{"id":39071,"date":"2024-02-26T07:30:19","date_gmt":"2024-02-26T00:30:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39071"},"modified":"2024-10-08T16:28:16","modified_gmt":"2024-10-08T09:28:16","slug":"4-244-lung-tung-thuc-hien-cong-khai-lai-suat-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-244-lung-tung-thuc-hien-cong-khai-lai-suat-cho-vay\/","title":{"rendered":"4.244. L\u00fang t\u00fang th\u1ef1c hi\u1ec7n c\u00f4ng khai l\u00e3i su\u1ea5t cho vay"},"content":{"rendered":"<h4><span style=\"color: #723918;\">L\u00fang t\u00fang th\u1ef1c hi\u1ec7n c\u00f4ng khai l\u00e3i su\u1ea5t cho vay<\/span><\/h4>\n<h5><strong>(\u0110T) &#8211;\u00a0Tr\u01b0\u1edbc y\u00eau c\u1ea7u c\u00f4ng khai l\u00e3i su\u1ea5t cho vay, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ng\u00e2n h\u00e0ng k\u00eau kh\u00f3 th\u1ef1c hi\u1ec7n, c\u00f3 th\u1ec3 b\u1ecb kh\u00e1ch h\u00e0ng ph\u1ea3n \u1ee9ng v\u00e0 c\u1ea7n h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3. Trong khi \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) kh\u1eb3ng \u0111\u1ecbnh \u201c\u0111\u00f3 l\u00e0 ch\u1ec9 \u0111\u1ea1o \u0111\u00fang \u0111\u1eafn\u201d nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng c\u00f3 l\u00e3i su\u1ea5t cho vay th\u1ea5p.<\/strong><\/h5>\n<table style=\"height: 125px;\" width=\"775\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-39072 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/02\/Picture1-24-450x310.png\" alt=\"c\u00f4ng khai l\u00e3i su\u1ea5t cho vay\" width=\"450\" height=\"310\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/02\/Picture1-24-450x310.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/02\/Picture1-24-768x528.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/02\/Picture1-24.png 820w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f4ng b\u1ed1 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi b\u00ecnh qu\u00e2n v\u00e0 cho vay b\u00ecnh qu\u00e2n. \u1ea2nh: Song L\u00ea<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>T\u1ea1i C\u00f4ng v\u0103n 527\/TB-VPCP ng\u00e0y 18\/12\/2023 th\u00f4ng b\u00e1o k\u1ebft lu\u1eadn c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 t\u1ea1i H\u1ed9i ngh\u1ecb gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n v\u1ec1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho s\u1ea3n xu\u1ea5t, kinh doanh, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng v\u00e0 \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u NHNN ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) nghi\u00ean c\u1ee9u vi\u1ec7c c\u00f4ng b\u1ed1 c\u00f4ng khai l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n c\u1ee7a t\u1eebng TCTD v\u00e0 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n ti\u1ec1n g\u1eedi v\u00e0 cho vay.<\/p>\n<h5>Th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, \u0111\u1ea7u th\u00e1ng 2\/2024, NHNN c\u00f3 c\u00f4ng v\u0103n y\u00eau c\u1ea7u c\u00e1c TCTD b\u00e1o c\u00e1o t\u00ecnh h\u00ecnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n, ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 cho vay b\u00ecnh qu\u00e2n.<\/h5>\n<p>Chia s\u1ebb v\u1ec1 kh\u00f3 kh\u0103n khi th\u1ef1c hi\u1ec7n y\u00eau c\u1ea7u n\u00e0y, \u00f4ng Nguy\u1ec5n H\u01b0ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TPBank cho bi\u1ebft, l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh b\u1edfi nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 quy m\u00f4 kh\u00e1ch h\u00e0ng, l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng, l\u1ee3i \u00edch kh\u00e1ch h\u00e0ng, t\u00ednh ch\u1ea5t r\u1ee7i ro c\u1ee7a kho\u1ea3n vay, h\u00ecnh th\u1ee9c vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ho\u1eb7c kh\u00f4ng\u2026 B\u00ean c\u1ea1nh \u0111\u00f3, l\u00e3i su\u1ea5t c\u00f2n thay \u0111\u1ed5i theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i, kh\u00e1ch h\u00e0ng chi\u1ebfn l\u01b0\u1ee3c, theo t\u1eebng ph\u00e2n kh\u00fac, th\u1eddi h\u1ea1n. Do \u0111\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00f4ng b\u1ed1 nh\u01b0ng ch\u1ec9 l\u00e0 m\u1ee9c chung chung, c\u00f2n t\u00f9y kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3.<\/p>\n<p>\u00d4ng Tr\u1ea7n Long, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng BIDV cho r\u1eb1ng, vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin l\u00e3i su\u1ea5t cho vay v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n l\u00e0 ph\u00f9 h\u1ee3p nh\u01b0ng v\u1edbi kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c c\u1ea7n c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1ch th\u1ee9c v\u00e0 \u0111\u1ecbnh k\u1ef3 c\u00f4ng b\u1ed1 th\u00f4ng tin n\u00e0y.<\/p>\n<p>\u00d4ng Ph\u1ea1m Nh\u01b0 \u00c1nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i (MB) cho bi\u1ebft \u0111\u00e3 s\u1eb5n s\u00e0ng h\u1ec7 th\u1ed1ng t\u00ednh to\u00e1n v\u00e0 d\u1eef li\u1ec7u \u0111\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin theo ch\u1ec9 \u0111\u1ea1o. Tuy nhi\u00ean, NHNN c\u1ea7n c\u00f3 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft \u0111\u1ec3 c\u00e1c TCTD th\u1ef1c hi\u1ec7n th\u1ed1ng nh\u1ea5t. Trong \u0111\u00f3, m\u1ee9c l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n c\u00f4ng b\u1ed1 n\u00ean t\u00e1ch theo k\u1ef3 h\u1ea1n, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ec3 ph\u00f9 h\u1ee3p th\u1ef1c t\u1ebf tri\u1ec3n khai t\u1ea1i c\u00e1c TCTD v\u00e0 y\u00eau c\u1ea7u c\u1ee7a NHNN.<\/p>\n<h6><\/h6>\n<p>\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng B\u01b0u \u0111i\u1ec7n Li\u00ean Vi\u1ec7t (LPBank) b\u00e0y t\u1ecf lo ng\u1ea1i v\u1ec1 s\u1ef1 ph\u1ea3n \u1ee9ng c\u1ee7a kh\u00e1ch h\u00e0ng khi l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, \u0111\u1eb7c bi\u1ec7t c\u00e1c kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n. Theo \u0111\u00f3, th\u1eddi gian qua ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u1ea3m l\u00e3i su\u1ea5t 1,5% &#8211; 2%, c\u00f3 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c gi\u1ea3m t\u1edbi 3%. Do \u0111\u00f3, n\u1ebfu c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n c\u1ee7a c\u1ea3 ng\u00e2n h\u00e0ng th\u00ec c\u00e1c kh\u00e1ch h\u00e0ng vay c\u0169 s\u1ebd ph\u1ea3n \u1ee9ng, ti\u1ebfp t\u1ee5c \u0111\u00f2i gi\u1ea3m l\u00e3i su\u1ea5t m\u00e0 h\u1ecd \u0111ang tr\u1ea3.<\/p>\n<p>C\u00e1c \u00fd ki\u1ebfn t\u1eeb ng\u00e2n h\u00e0ng cho th\u1ea5y, y\u00eau c\u1ea7u v\u1ec1 vi\u1ec7c c\u00f4ng khai l\u00e3i su\u1ea5t cho vay v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c hi\u1ec3u th\u1ed1ng nh\u1ea5t v\u00e0 c\u00f2n l\u00fang t\u00fang trong th\u1ef1c thi. Trong khi \u0111\u00f3, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN \u0110\u00e0o Minh T\u00fa n\u00eau r\u00f5 quan \u0111i\u1ec3m, vi\u1ec7c c\u00f4ng khai l\u00e3i su\u1ea5t cho vay l\u00e0 ch\u1ec9 \u0111\u1ea1o \u0111\u00fang \u0111\u1eafn c\u1ee7a l\u00e3nh \u0111\u1ea1o Ch\u00ednh ph\u1ee7 v\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n. L\u00e3i su\u1ea5t c\u00f4ng khai l\u00e0 l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n, kh\u00f4ng ph\u1ea3i l\u00e3i su\u1ea5t cho vay v\u1edbi t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1eebng doanh nghi\u1ec7p hay t\u1eebng lo\u1ea1i h\u00ecnh.<\/p>\n<table width=\"566\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<h5>M\u1ee9c l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n c\u00f4ng b\u1ed1 n\u00ean t\u00e1ch theo k\u1ef3 h\u1ea1n, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ec3 ph\u00f9 h\u1ee3p th\u1ef1c t\u1ebf tri\u1ec3n khai t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u1ea2nh: Song L\u00ea<\/h5>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00d4ng Ph\u1ea1m Ch\u00ed Quang, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 thu\u1ed9c NHNN cho bi\u1ebft, th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, l\u00e3nh \u0111\u1ea1o NHNN \u0111\u00e3 c\u00f3 ch\u1ec9 th\u1ecb v\u1ec1 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 n\u0103m 2024, trong \u0111\u00f3 c\u00f3 ch\u1ec9 \u0111\u1ea1o c\u00e1c TCTD c\u00f4ng b\u1ed1 c\u00f4ng khai v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n c\u1ee7a t\u1eebng TCTD c\u0169ng nh\u01b0 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 cho vay b\u00ecnh qu\u00e2n tr\u00ean website c\u1ee7a t\u1eebng TCTD.<\/p>\n<p><em>Nhi\u1ec1u n\u0103m c\u00f4ng t\u00e1c trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><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>\u00a0cho r\u1eb1ng, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ea7n s\u1ef1 nh\u1ea5t qu\u00e1n th\u1ef1c hi\u1ec7n trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u00ean vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb nhi\u1ec1u n\u0103m nay. Trong khi \u0111\u00f3, l\u00e3i su\u1ea5t cho vay l\u00e0 c\u00e2u chuy\u1ec7n th\u1ecb tr\u01b0\u1eddng gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 v\u00e0 th\u1eddi \u0111i\u1ec3m.<\/em><\/p>\n<p><em>\u201cC\u00f9ng m\u1ed9t kh\u00e1ch h\u00e0ng\/d\u1ef1 \u00e1n m\u00e0 l\u00e3i su\u1ea5t c\u1ee7a h\u00f4m tr\u01b0\u1edbc v\u00e0 h\u00f4m sau c\u00f3 th\u1ec3 kh\u00f4ng gi\u1ed1ng nhau. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay l\u00e0 x\u1ebfp lo\u1ea1i kh\u00e1ch h\u00e0ng, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, t\u00ednh ch\u1ea5t r\u1ee7i ro. Do \u0111\u00f3, vi\u1ec7c c\u00f4ng khai l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t kh\u00f3 kh\u0103n \u0111\u00e1ng k\u1ec3 cho ng\u00e0nh ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng \u0111\u1ed1i ph\u00f3 trong th\u1ef1c hi\u1ec7n\u201d, \u00f4ng \u0110\u1ee9c chia s\u1ebb.<\/em><\/p>\n<h6><\/h6>\n<p>C\u00f9ng quan \u0111i\u1ec3m, \u00f4ng \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 v\u00e0 x\u00e3 h\u1ed9i (MASSEI) cho r\u1eb1ng, l\u00e3i su\u1ea5t cho vay ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 v\u00e0 mang t\u00ednh ch\u1ea5t th\u1ecfa thu\u1eadn, n\u00ean vi\u1ec7c c\u00f4ng khai m\u1ed9t con s\u1ed1 nh\u1ea5t \u0111\u1ecbnh th\u00ec h\u1ea7u nh\u01b0 kh\u00f4ng kh\u1ea3 thi, c\u00f2n c\u00f4ng khai m\u1ee9c l\u00e3i su\u1ea5t trong m\u1ed9t kho\u1ea3ng bi\u00ean \u0111\u1ed9 th\u00ec kh\u00f4ng c\u00f3 \u00fd ngh\u0129a nhi\u1ec1u.<\/p>\n<p>\u0110\u1ec3 thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t khi ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, theo \u00f4ng Minh, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00f4ng khai v\u1ec1 quy tr\u00ecnh t\u00ednh to\u00e1n l\u00e3i su\u1ea5t cho vay. Ch\u1eb3ng h\u1ea1n, ng\u00e2n h\u00e0ng \u0111\u01b0a ra m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t tham chi\u1ebfu theo s\u1ed1 ti\u1ec1n vay v\u00e0 th\u1eddi h\u1ea1n. C\u00f2n \u0111\u1ec3 t\u00ednh to\u00e1n ra m\u1ee9c l\u00e3i su\u1ea5t vay th\u1ef1c t\u1ebf, c\u1ea7n c\u00f3 c\u00e1c th\u00f4ng tin kh\u00e1c v\u1ec1 l\u0129nh v\u1ef1c kinh doanh, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 \u201cc\u1ed9ng, tr\u1eeb\u201d so v\u1edbi l\u00e3i su\u1ea5t tham chi\u1ebfu.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ea5u th\u1ea7u (T\u00e0i ch\u00ednh) 26-02-2024:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/baodauthau.vn\/lung-tung-thuc-hien-cong-khai-lai-suat-cho-vay-post150371.html\"><em>https:\/\/baodauthau.vn\/lung-tung-thuc-hien-cong-khai-lai-suat-cho-vay-post150371.html<\/em><\/a><\/p>\n<p><em>(<\/em><em>158\/1.129<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>L\u00fang t\u00fang th\u1ef1c hi\u1ec7n c\u00f4ng khai l\u00e3i su\u1ea5t cho vay (\u0110T) &#8211;\u00a0Tr\u01b0\u1edbc y\u00eau c\u1ea7u c\u00f4ng khai l\u00e3i su\u1ea5t cho vay, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ng\u00e2n h\u00e0ng k\u00eau kh\u00f3 th\u1ef1c hi\u1ec7n, c\u00f3 th\u1ec3 b\u1ecb kh\u00e1ch h\u00e0ng ph\u1ea3n \u1ee9ng v\u00e0 c\u1ea7n h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3. Trong khi \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) kh\u1eb3ng \u0111\u1ecbnh \u201c\u0111\u00f3 l\u00e0 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":39072,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-39071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.244. 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