{"id":38798,"date":"2024-01-09T11:19:19","date_gmt":"2024-01-09T04:19:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38798"},"modified":"2024-10-10T14:54:21","modified_gmt":"2024-10-10T07:54:21","slug":"4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/","title":{"rendered":"4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?"},"content":{"rendered":"

C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?<\/span><\/h4>\n
(VNN) – Vi\u1ec7c gi\u1ea3m t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng t\u1eeb 15% xu\u1ed1ng 10% v\u00e0 gi\u1ea3m t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1eeb 25% xu\u1ed1ng 15% v\u1eabn \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u \u00fd ki\u1ebfn \u0111a chi\u1ec1u.<\/span><\/h5>\n
\u0110\u1ec1 xu\u1ea5t m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c vay qu\u00e1 10% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

T\u1ea1i M\u1ee5c 1 v\u00e0 M\u1ee5c 2, \u0110i\u1ec1u 136 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) s\u1eeda \u0111\u1ed5i v\u1ec1 Gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng quy \u0111\u1ecbnh: \u201c1. T\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 10% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i\u2026 ; t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i\u2026\u201d.<\/p>\n

Theo gi\u1ea3i tr\u00ecnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng m\u1ed9t kh\u00e1ch h\u00e0ng, m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1ea1i TCTD l\u00e0 k\u1ebf th\u1eeba quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD n\u0103m 2010. \u0110i\u1ec1u n\u00e0y h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau gi\u1ea3m r\u1ee7i ro t\u1eadp trung t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c TCTD v\u00e0 \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 t\u1edbi nhi\u1ec1u kh\u00e1ch h\u00e0ng, bao g\u1ed3m c\u1ea3 nh\u1eefng kh\u00e1ch h\u00e0ng nh\u1ecf l\u1ebb, gia t\u0103ng vi\u1ec7c ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c DN, kh\u00e1ch h\u00e0ng, h\u1ea1n ch\u1ebf vi\u1ec7c ch\u1ec9 t\u1eadp trung v\u1ed1n t\u00edn d\u1ee5ng cho c\u00e1c kh\u00e1ch h\u00e0ng, nh\u00f3m kh\u00e1ch h\u00e0ng l\u1edbn.<\/p>\n

NHNN cho bi\u1ebft: C\u00e1c gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng hi\u1ec7n nay \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean c\u01a1 s\u1edf t\u00ednh to\u00e1n v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD t\u1eeb n\u0103m 2010. T\u1eeb n\u0103m 2010 \u0111\u1ebfn nay v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a c\u00e1c TCTD \u0111\u00e3 t\u0103ng \u0111\u00e1ng k\u1ec3 (kh\u1ed1i TCTD nh\u00e0 n\u01b0\u1edbc t\u0103ng t\u1eeb 6 \u0111\u1ebfn 10 l\u1ea7n, kh\u1ed1i NHTMCP t\u0103ng kho\u1ea3ng t\u1eeb 3 \u0111\u1ebfn 10 l\u1ea7n, kh\u1ed1i TCTD n\u01b0\u1edbc ngo\u00e0i\/chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u0103ng t\u1eeb 2 \u0111\u1ebfn 8 l\u1ea7n).<\/p>\n

\"C\u00f3<\/p>\n

H\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau gi\u1ea3m r\u1ee7i ro t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. \u1ea2nh: Ho\u00e0ng H\u00e0<\/h5>\n

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>cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft. Gi\u1ea3 s\u1eed b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ea7n nhi\u1ec1u v\u1ed1n th\u00ec huy \u0111\u1ed9ng tr\u00e1i phi\u1ebfu, c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, c\u1ee7a \u0111\u1ed1i t\u00e1c, ch\u1ee9 sao l\u1ea1i t\u1eadp trung vay ng\u00e2n h\u00e0ng. \u0110\u00e2y c\u0169ng l\u00e0 \u0111i\u1ec1u nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi t\u1eadp trung v\u1ed1n cho 1 kh\u00e1ch h\u00e0ng l\u1edbn.<\/em><\/p>\n

\u201cNg\u00e0y x\u01b0a quy m\u00f4 c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n nh\u1ecf, n\u1ebfu gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng l\u00e0 10% th\u00ec qu\u00e1 th\u1ea5p, qu\u00e1 \u00edt. Gi\u1edd quy m\u00f4 v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng t\u0103ng l\u00ean h\u00e0ng ch\u1ee5c l\u1ea7n th\u00ec m\u1ee9c 10% n\u00e0y l\u00e0 h\u1ee3p l\u00fd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 an to\u00e0n cho h\u1ec7 th\u1ed1ng, tr\u00e1nh r\u1ee7i ro khi t\u1eadp trung cho vay m\u1ed9t kh\u00e1ch h\u00e0ng\u201d, \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

Th\u1ea3o lu\u1eadn t\u1ea1i h\u1ed9i tr\u01b0\u1eddng v\u1ec1 d\u1ef1 \u00e1n Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng chi\u1ec1u 23\/11\/2023, \u0111\u1ea1i bi\u1ec3u Nguy\u1ec5n Th\u1ecb Vi\u1ec7t Nga, \u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i t\u1ec9nh H\u1ea3i D\u01b0\u01a1ng c\u0169ng n\u00eau v\u1ea5n \u0111\u1ec1, th\u1eddi gian qua, c\u00e1c TCTD c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng t\u1eadp trung cho vay qu\u00e1 l\u1edbn v\u00e0o m\u1ed9t s\u1ed1 \u00edt kh\u00e1ch h\u00e0ng, ho\u1eb7c c\u0169ng c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng cho vay doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ho\u1eb7c mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d.<\/p>\n

Do v\u1eady, \u0111\u1ea1i bi\u1ec3u cho r\u1eb1ng, c\u1ea7n s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng, gi\u1ea3m m\u1ee9c d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u1eadp trung v\u1ed1n t\u00edn d\u1ee5ng cho m\u1ed9t kh\u00e1ch h\u00e0ng hay nh\u00f3m kh\u00e1ch h\u00e0ng l\u1edbn. Tuy nhi\u00ean, vi\u1ec7c quy \u0111\u1ecbnh gi\u1ea3m ngay gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng xu\u1ed1ng 10% v\u00e0 15% so v\u1edbi gi\u1edbi h\u1ea1n hi\u1ec7n t\u1ea1i l\u00e0 15% v\u00e0 20% c\u0169ng s\u1ebd g\u00e2y t\u00e1c \u0111\u1ed9ng \u0111\u1ed9t ng\u1ed9t \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, khi\u1ebfn c\u00e1c TCTD g\u1eb7p kh\u00f3 kh\u0103n.<\/p>\n

Nhi\u1ec1u bi\u1ec7n ph\u00e1p \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro cho ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

H\u1ed3i th\u00e1ng 6, khi th\u1ea9m tra n\u1ed9i dung n\u00e0y, \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb c\u00e2n nh\u1eafc vi\u1ec7c s\u1eeda \u0111\u1ed5i c\u00e1c gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n

B\u1edfi v\u00ec theo \u1ee6y ban Kinh t\u1ebf, vi\u1ec7c gi\u1ea3m t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng s\u1ebd t\u00e1c \u0111\u1ed9ng ngay \u0111\u1ebfn ngu\u1ed3n v\u1ed1n cung \u1ee9ng cho n\u1ec1n kinh t\u1ebf, nh\u1ea5t l\u00e0 trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p ch\u01b0a th\u1ef1c s\u1ef1 l\u00e0 k\u00eanh huy \u0111\u1ed9ng v\u1ed1n \u1ed5n \u0111\u1ecbnh cho n\u1ec1n kinh t\u1ebf v\u00e0 c\u00f2n nhi\u1ec1u r\u1ee7i ro.<\/p>\n

C\u01a1 quan n\u00e0y c\u0169ng lo ng\u1ea1i vi\u1ec7c m\u1edf r\u1ed9ng \u0111\u1ecbnh ngh\u0129a v\u1ec1 ng\u01b0\u1eddi c\u00f3 li\u00ean quan \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c thu h\u1eb9p t\u1ed5ng m\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5p cho m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan s\u1ebd g\u00e2y t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i k\u00e9p cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng. B\u00ean c\u1ea1nh \u0111\u00f3, tr\u01b0\u1eddng h\u1ee3p vay h\u1ee3p v\u1ed1n ho\u1eb7c b\u00e1o c\u00e1o Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 s\u1ebd m\u1ea5t th\u00eam nhi\u1ec1u th\u1eddi gian, th\u1ee7 t\u1ee5c h\u01a1n do gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng thu h\u1eb9p h\u01a1n so v\u1edbi lu\u1eadt hi\u1ec7n h\u00e0nh.<\/p>\n

C\u00e1c d\u1ef1 \u00e1n l\u1edbn c\u1ea7n ngu\u1ed3n v\u1ed1n kh\u1ed5ng l\u1ed3 \u0111\u1ec3 tri\u1ec3n khai. (\u1ea2nh: Ho\u00e0ng H\u00e0)<\/h6>\n

\u201cTh\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf \u0111\u1ec1u quy \u0111\u1ecbnh \u1edf m\u1ee9c t\u1ef7 l\u1ec7 cao h\u01a1n (kho\u1ea3ng 25%) so v\u1edbi quy \u0111\u1ecbnh t\u1ea1i d\u1ef1 th\u1ea3o lu\u1eadt\u201d, \u1ee6y ban Kinh t\u1ebf n\u00eau quan \u0111i\u1ec3m.<\/p>\n

\u201cNg\u00e0y x\u01b0a c\u00e1c d\u1ef1 \u00e1n \u0111\u1ec1u c\u00f3 quy m\u00f4 nh\u1ecf n\u00ean kh\u00f4ng c\u1ea7n vay v\u1ed1n ng\u00e2n h\u00e0ng nhi\u1ec1u, gi\u1edd to\u00e0n nh\u1eefng d\u1ef1 \u00e1n h\u00e0ng ch\u1ee5c ngh\u00ecn, tr\u0103m ngh\u00ecn t\u1ef7 th\u00ec vi\u1ec7c gi\u1ea3m m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng n\u00e0y s\u1ebd khi\u1ebfn c\u00e1c d\u1ef1 \u00e1n \u0111\u00f3i v\u1ed1n\u201d, \u0111\u1ea1i di\u1ec7n m\u1ed9t DN lo l\u1eafng.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf \u0110inh Tu\u1ea5n Minh, Gi\u00e1m \u0111\u1ed1c nghi\u00ean c\u1ee9u Trung t\u00e2m nghi\u00ean c\u1ee9u gi\u1ea3i ph\u00e1p th\u1ecb tr\u01b0\u1eddng cho c\u00e1c v\u1ea5n \u0111\u1ec1 kinh t\u1ebf x\u00e3 h\u1ed9i, b\u0103n kho\u0103n: \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 s\u1ebd \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a doanh nghi\u1ec7p. Kh\u00f4ng r\u00f5 NHNN \u0111\u00e3 c\u00f3 b\u00e1o c\u00e1o \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng \u0111\u1ec1 xu\u1ea5t n\u00e0y nh\u01b0 th\u1ebf n\u00e0o, \u0111\u00e3 n\u1eafm \u0111\u01b0\u1ee3c s\u1ed1 li\u1ec7u t\u1ed5ng th\u1ec3 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb t\u00e1c \u0111\u1ed9ng c\u1ee7a quy \u0111\u1ecbnh m\u1edbi n\u00e0y hay ch\u01b0a? V\u1edbi nh\u1eefng DN \u0111\u00e3 vay v\u01b0\u1ee3t m\u1ee9c, th\u00ec h\u1ecd c\u00f3 s\u1eafp x\u1ebfp \u0111\u01b0\u1ee3c t\u00e0i ch\u00ednh \u0111\u1ec3 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh m\u1edbi n\u00e0y m\u00e0 kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p hay kh\u00f4ng. H\u1ecd c\u00f3 t\u00ecm \u0111\u01b0\u1ee3c k\u00eanh t\u00edn d\u1ee5ng kh\u00e1c \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho vi\u1ec7c b\u1ecb gi\u1ea3m c\u1ea5p v\u1ed1n hay kh\u00f4ng.<\/p>\n

Chia s\u1ebb v\u1edbi PV.VietNamNet, Ths Tr\u1ea7n Minh Ph\u00e1p, C\u00f4ng ty Lu\u1eadt TNHH Passio Lawyers, cho r\u1eb1ng: Khi nghi\u00ean c\u1ee9u t\u00e0i li\u1ec7u thuy\u1ebft minh \u0111\u00ednh k\u00e8m d\u1ef1 th\u1ea3o, \u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh t\u1ec9 l\u1ec7 n\u00e0y l\u00e0 nh\u1eb1m h\u1ea1n ch\u1ebf vi\u1ec7c t\u1eadp trung ngu\u1ed3n v\u1ed1n c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t ho\u1eb7c m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng duy nh\u1ea5t, t\u1eeb \u0111\u00f3 s\u1ebd ph\u00e2n t\u00e1n \u0111\u01b0\u1ee3c r\u1ee7i ro.<\/p>\n

Song, theo \u00f4ng, vi\u1ec7c h\u1ea1n ch\u1ebf t\u1ef7 l\u1ec7 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t kh\u00e1ch h\u00e0ng n\u00e0y s\u1ebd l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n cho c\u00e1c d\u1ef1 \u00e1n c\u00f3 nhu c\u1ea7u v\u1ed1n l\u1edbn. DN s\u1ebd kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n l\u1edbn, c\u00e1c d\u1ef1 \u00e1n tr\u1ecdng \u0111i\u1ec3m trong giai \u0111o\u1ea1n ph\u1ee5c h\u1ed3i, ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf. Khi \u0111\u00f3 th\u00ec \u201ccon \u0111\u01b0\u1eddng\u201d c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn ho\u00e0n h\u1ea3o.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho m\u1ed9t kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n l\u00e0 \u0111i\u1ec1u ho\u00e0n to\u00e0n kh\u00f4ng d\u1ec5 d\u00e0ng b\u1edfi l\u1ebd ch\u00ednh s\u00e1ch c\u1ea5p t\u00edn d\u1ee5ng, kh\u1ea9u v\u1ecb r\u1ee7i ro gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 kh\u00e1c nhau v\u00e0 \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng th\u00ec kh\u00e1ch h\u00e0ng ch\u1eafc ch\u1eafn ph\u1ea3i tr\u1ea3i qua nhi\u1ec1u tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c c\u0169ng nh\u01b0 ph\u1ea3i \u0111\u00e1p \u1ee9ng r\u1ea5t nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n.<\/p>\n

Ch\u1eb3ng h\u1ea1n nh\u01b0 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u1ed3ng \u00fd c\u1ea5p v\u1ed1n v\u00ec \u0111\u00e1nh gi\u00e1 d\u1ef1 \u00e1n \u0111\u00f3 l\u00e0 t\u1ed1t, r\u1ee7i ro th\u1ea5p, nh\u01b0ng ng\u00e2n h\u00e0ng kh\u00e1c l\u1ea1i n\u00f3i kh\u00f4ng v\u00ec kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a h\u1ecd kh\u00e1c. Kh\u00e1ch h\u00e0ng c\u1ea7n ngu\u1ed3n v\u1ed1n l\u1edbn khi \u0111\u00f3 s\u1ebd b\u1ecb t\u1eafc.<\/p>\n

Vi\u1ec7c gi\u1ea3m t\u1ec9 l\u1ec7 gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed3ng th\u1eddi s\u1ebd k\u00e9o theo m\u1ed9t l\u01b0\u1ee3ng v\u1ed1n s\u1ebd b\u1ecb c\u1eaft gi\u1ea3m tr\u00ean th\u1ecb tr\u01b0\u1eddng, trong b\u1ed1i c\u1ea3nh c\u00e1c doanh nghi\u1ec7p v\u1ed1n \u0111\u00e3 g\u1eb7p kh\u00f3 kh\u0103n do \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19 v\u00e0 vi\u1ec7c suy tho\u00e1i kinh t\u1ebf to\u00e0n c\u1ea7u, nay s\u1ebd l\u1ea1i c\u00e0ng kh\u00f3 kh\u0103n h\u01a1n v\u00ec kh\u00f4ng \u0111\u1ee7 v\u1ed1n \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n

\u0110\u1ec3 ph\u00e2n t\u00e1n v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c ng\u00e2n h\u00e0ng, \u00f4ng Ph\u00e1p n\u00eau quan \u0111i\u1ec3m: Thay v\u00ec gi\u1ea3m t\u1ef7 l\u1ec7 c\u1ea5p t\u00edn d\u1ee5ng th\u00ec xem x\u00e9t theo h\u01b0\u1edbng quy \u0111\u1ecbnh ch\u1eb7t h\u01a1n v\u1ec1 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng so v\u1edbi hi\u1ec7n nay. Khi m\u1ed9t d\u1ef1 \u00e1n t\u1ed1t, \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p ngu\u1ed3n v\u1ed1n t\u01b0\u01a1ng x\u1ee9ng.<\/p>\n

V\u00e0 khi t\u1eadp trung c\u1ea5p v\u1ed1n v\u00e0o m\u1ed9t d\u1ef1 \u00e1n t\u1ed1t s\u1ebd \u0111\u1ea3m b\u1ea3o h\u01a1n l\u00e0 c\u1ea5p v\u1ed1n d\u00e0n tr\u1ea3i cho nhi\u1ec1u d\u1ef1 \u00e1n v\u1edbi \u0111\u1ed9 r\u1ee7i ro cao, vi\u1ec7c n\u00e0y \u0111\u1ea3m b\u1ea3o m\u1ee5c \u0111\u00edch ban \u0111\u1ea7u m\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd h\u01b0\u1edbng \u0111\u1ebfn – Ths Tr\u1ea7n Minh Ph\u00e1p g\u00f3p \u00fd.<\/p>\n

L\u01b0\u01a1ng B\u1eb1ng<\/strong><\/p>\n

—————<\/p>\n

Vietnamnet (Kinh doanh) ng\u00e0y 09-01-20024:<\/em><\/strong><\/p>\n

https:\/\/vietnamnet.vn\/co-nen-giam-du-no-cap-tin-dung-cho-mot-khach-hang-2237066.html<\/a> <\/em><\/p>\n

(144\/1.568)<\/em>","protected":false},"excerpt":{"rendered":"

C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng? (VNN) – Vi\u1ec7c gi\u1ea3m t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng t\u1eeb 15% xu\u1ed1ng 10% v\u00e0 gi\u1ea3m t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1eeb 25% xu\u1ed1ng 15% v\u1eabn \u0111ang […]<\/p>\n","protected":false},"author":2,"featured_media":38799,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-38798","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.\" \/>\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\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/\" \/>\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=\"2024-01-09T04:19:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-10T07:54:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\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=\"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\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?\",\"datePublished\":\"2024-01-09T04:19:19+00:00\",\"dateModified\":\"2024-10-10T07:54:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/\"},\"wordCount\":2425,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/ngan-hang-210.jpg\",\"keywords\":[\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/\",\"name\":\"[:vi]4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/ngan-hang-210.jpg\",\"datePublished\":\"2024-01-09T04:19:19+00:00\",\"dateModified\":\"2024-10-10T07:54:21+00:00\",\"description\":\"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/ngan-hang-210.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/ngan-hang-210.jpg\",\"width\":1500,\"height\":1000,\"caption\":\"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?\"}]},{\"@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]4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","description":"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.","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\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","og_description":"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.","og_url":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2024-01-09T04:19:19+00:00","article_modified_time":"2024-10-10T07:54:21+00:00","og_image":[{"width":1500,"height":1000,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.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":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/"},"author":{"name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e"},"headline":"4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?","datePublished":"2024-01-09T04:19:19+00:00","dateModified":"2024-10-10T07:54:21+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/"},"wordCount":2425,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.jpg","keywords":["Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/","url":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/","name":"[:vi]4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.jpg","datePublished":"2024-01-09T04:19:19+00:00","dateModified":"2024-10-10T07:54:21+00:00","description":"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? LS\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, G\u0110 C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u00fang, l\u00e0 c\u1ea7n thi\u1ebft.","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/01\/ngan-hang-210.jpg","width":1500,"height":1000,"caption":"C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/4-223-co-nen-giam-du-no-cap-tin-dung-cho-moi-khach-hang\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"4.223. C\u00f3 n\u00ean gi\u1ea3m d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed7i kh\u00e1ch h\u00e0ng?"}]},{"@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\/38798","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=38798"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/38798\/revisions"}],"predecessor-version":[{"id":42384,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/38798\/revisions\/42384"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/38799"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=38798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=38798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=38798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}