{"id":39194,"date":"2024-03-18T07:12:46","date_gmt":"2024-03-18T00:12:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39194"},"modified":"2024-10-04T15:55:25","modified_gmt":"2024-10-04T08:55:25","slug":"4-258-ma-tran-lai-phi-the-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-258-ma-tran-lai-phi-the-tin-dung\/","title":{"rendered":"4.258. Ma tr\u1eadn l\u00e3i, ph\u00ed th\u1ebb t\u00edn d\u1ee5ng"},"content":{"rendered":"

Ma tr\u1eadn l\u00e3i, ph\u00ed th\u1ebb t\u00edn d\u1ee5ng<\/span><\/h4>\n
(TN) – C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u00e1p d\u1ee5ng h\u00e0ng lo\u1ea1t ph\u00ed khi kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, \u0111\u1eb7c bi\u1ec7t th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf c\u00f2n c\u00f3 th\u00eam l\u00e3i su\u1ea5t cao ng\u1ea5t, v\u1edbi ma tr\u1eadn c\u00e1ch t\u00ednh, c\u00f3 th\u1ec3 \u0111\u1ea9y nhi\u1ec1u ng\u01b0\u1eddi “b\u1ed7ng d\u01b0ng th\u00e0nh con n\u1ee3”.<\/h5>\n
C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p<\/h5>\n

V\u1ee5 vi\u1ec7c n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8,5 tri\u1ec7u \u0111\u1ed3ng c\u1ee7a \u00f4ng P.H.A t\u1ea1i Eximbank, sau 11 n\u0103m l\u00ean h\u01a1n 8,8 t\u1ec9 \u0111\u1ed3ng g\u00e2y x\u00f4n xao nh\u1eefng ng\u00e0y qua kh\u00f4ng ch\u1ec9 khi\u1ebfn ng\u01b0\u1eddi \u0111ang s\u1eed d\u1ee5ng th\u1ebb gi\u1eadt m\u00ecnh m\u00e0 c\u1ea3 gi\u1edbi t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng (NH) c\u0169ng b\u1ecb s\u1ed1c. PV\u00a0Thanh Ni\u00ean<\/em>\u00a0\u0111\u00e3 li\u00ean h\u1ec7 ph\u00eda\u00a0Eximbank\u00a0\u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00f4ng tin v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t (LS) nh\u01b0 th\u1ebf n\u00e0o nh\u01b0ng nhi\u1ec1u ng\u00e0y tr\u00f4i qua v\u1eabn ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n h\u1ed3i. \u0110\u1ec3 gi\u1ea3i b\u00e0i to\u00e1n t\u00ednh l\u00e3i n\u00e0y, c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u c\u00e1ch t\u00ednh m\u00f4 ph\u1ecfng, gi\u1ea3 \u0111\u1ecbnh. Chuy\u00ean gia t\u00e0i ch\u00ednh \u0110inh Th\u1ebf Hi\u1ec3n \u0111\u00e3 th\u1eed t\u00ednh l\u00e3i s\u1ed1 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8,5 tri\u1ec7u \u0111\u1ed3ng n\u00f3i tr\u00ean v\u00e0 nh\u1eadn x\u00e9t l\u00e0 “nh\u01b0 ma tr\u1eadn”.<\/p>\n

\"Ma<\/p>\n

C\u1ea9n th\u1eadn v\u1edbi ma tr\u1eadn ph\u00ed v\u00e0 l\u00e3i \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf<\/h6>\n

Nh\u1eadt Th\u1ecbnh<\/p>\n

V\u1edbi s\u1ed1 n\u1ee3 8,5 tri\u1ec7u \u0111\u1ed3ng, LS vay gi\u1ea3 \u0111\u1ecbnh 33%\/n\u0103m (theo bi\u1ec3u ph\u00ed c\u00f4ng b\u1ed1 c\u1ee7a ch\u00ednh Eximbank), l\u00e3i ph\u1ea1t tr\u1ea3 tr\u1ec5 h\u1ea1n 5%\/th\u00e1ng (t\u1ee9c theo n\u0103m l\u00e0 60%), s\u1ed1 ti\u1ec1n n\u1ee3 v\u00e0 l\u00e3i trong 11 n\u0103m s\u1ebd l\u00ean h\u01a1n 11,76 t\u1ec9 \u0111\u1ed3ng, b\u00ecnh qu\u00e2n l\u00e3i m\u1ed7i n\u0103m l\u00e0 93% (xem b\u1ea3ng 1). Trong tr\u01b0\u1eddng h\u1ee3p ra con s\u1ed1 8,8 t\u1ec9 \u0111\u1ed3ng, b\u00ecnh qu\u00e2n l\u00e3i m\u1ed7i n\u0103m l\u00e0 88% (b\u1ea3ng 2). Trong tr\u01b0\u1eddng h\u1ee3p v\u1eeba t\u00ednh l\u00e3i vay v\u1eeba t\u00ednh l\u00e3i ph\u1ea1t t\u00ednh theo t\u1eebng th\u00e1ng th\u00ec s\u1ed1 ti\u1ec1n l\u00ean g\u1ea7n 63 t\u1ec9 \u0111\u1ed3ng (b\u1ea3ng 3). Theo TS \u0110inh Th\u1ebf Hi\u1ec3n, m\u1ed7i NH c\u00f3 c\u00e1ch t\u00ednh quy \u0111\u1ecbnh chi ti\u1ebft kh\u00e1c nhau nh\u01b0ng n\u00f3i chung l\u00e3i nh\u1eadp v\u1ed1n theo th\u00e1ng kinh kh\u1ee7ng h\u01a1n theo n\u0103m. Do v\u1eady ng\u01b0\u1eddi \u0111i vay ti\u00eau d\u00f9ng c\u1ea7n h\u1ecfi xem l\u00e3i theo n\u0103m hay theo th\u00e1ng? \u0110\u1ed1i v\u1edbi l\u00e3i k\u00e9p, nh\u1eefng n\u0103m \u0111\u1ea7u ch\u01b0a th\u1ea5y nhi\u1ec1u nh\u01b0ng t\u1eeb n\u0103m th\u1ee9 8 tr\u1edf \u0111i s\u1ebd t\u0103ng r\u1ea5t nhanh.<\/p>\n

L\u00e0 ng\u01b0\u1eddi ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – NH, \u00f4ng Hu\u1ef3nh Trung Minh th\u1eed t\u00ednh to\u00e1n con s\u1ed1 n\u00e0y v\u1edbi gi\u1ea3 \u0111\u1ecbnh LS th\u1ebb t\u00edn d\u1ee5ng t\u1eeb 24%\/n\u0103m nh\u01b0ng l\u00e0m sao c\u0169ng kh\u00f4ng ra \u0111\u01b0\u1ee3c con s\u1ed1 8,8 t\u1ec9 \u0111\u1ed3ng. “C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng r\u1ea5t ph\u1ee9c t\u1ea1p, c\u00e1c NH \u00e1p d\u1ee5ng ph\u01b0\u01a1ng tr\u00ecnh t\u00ednh l\u00e3i tr\u00ean h\u1ec7 th\u1ed1ng. \u1ede \u0111\u00e2y, ngo\u00e0i LS th\u1ebb t\u00edn d\u1ee5ng c\u00f2n c\u00f3 ph\u00ed c\u00e1c lo\u1ea1i. N\u1ebfu n\u1ee3 ph\u00ed c\u0169ng s\u1ebd ph\u00e1t sinh th\u00eam l\u00e3i ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec n\u1ee3 g\u1ed1c. Ch\u1eb3ng h\u1ea1n ph\u00ed ph\u1ea1t tr\u1ec5 h\u1ea1n, m\u1ed7i NH s\u1ebd c\u00f3 quy \u0111\u1ecbnh m\u1ee9c c\u1ee5 th\u1ec3 v\u00e0i tr\u0103m ng\u00e0n m\u1ed7i th\u00e1ng. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00f2n ph\u1ea3i xem ph\u00ed ph\u1ea1t c\u00f3 t\u0103ng l\u00ean qua c\u00e1c th\u00e1ng hay kh\u00f4ng v\u00e0 sinh l\u00e3i nh\u01b0 th\u1ebf n\u00e0o n\u1eefa”, \u00f4ng Minh n\u00f3i.<\/p>\n

Ch\u00ednh v\u00ec s\u1ef1 ph\u1ee9c t\u1ea1p trong c\u00e1ch t\u00ednh l\u00e3i, ph\u00ed \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng m\u00e0 m\u1ed9t s\u1ed1 NH nh\u01b0 HSBC, Techcombank\u2026 \u0111\u1ec1u cung c\u1ea5p v\u00ed d\u1ee5 c\u1ee5 th\u1ec3. Techcombank \u0111\u01b0a ra v\u00ed d\u1ee5 t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n nh\u01b0 sau: kh\u00e1ch n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 9 tri\u1ec7u \u0111\u1ed3ng, kho\u1ea3n thanh to\u00e1n t\u1ed1i thi\u1ec3u l\u00e0 5%, t\u1ee9c 450.000 \u0111\u1ed3ng. Ch\u1ee7 th\u1ebb tr\u1ec5 h\u1ea1n thanh to\u00e1n 45 ng\u00e0y (t\u1ee9c trong giai \u0111o\u1ea1n 1 tr\u1ec5 h\u1ea1n trong v\u00f2ng 60 – 70 ng\u00e0y), s\u1ed1 ti\u1ec1n l\u00e3i, ph\u00ed ph\u1ea1t l\u00e0 682.945 \u0111\u1ed3ng. N\u1ebfu kho\u1ea3n n\u1ee3 tr\u1ec5 h\u1ea1n h\u01a1n 60 – 70 ng\u00e0y, ti\u1ec1n l\u00e3i v\u00e0 ph\u00ed ph\u1ea1t s\u1ebd l\u00ean 1,238 tri\u1ec7u \u0111\u1ed3ng. Ch\u00ednh v\u00ec v\u1eady, c\u00e1c NH \u0111\u01b0a ra c\u1ea3nh b\u00e1o ch\u1ee7 th\u1ebb c\u00e1c v\u1ea5n \u0111\u1ec1 s\u1ebd g\u1eb7p ph\u1ea3i khi n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng qu\u00e1 h\u1ea1n. \u0110\u00f3 l\u00e0 ch\u1ecbu ph\u00ed ph\u1ea1t v\u00e0 LS cao, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 uy t\u00edn t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 khi th\u00f4ng tin l\u00ean h\u1ec7 th\u1ed1ng Trung t\u00e2m th\u00f4ng tin t\u00edn d\u1ee5ng Qu\u1ed1c gia (CIC) th\u00ec s\u1ebd kh\u00f3 ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay kh\u00e1c…<\/p>\n

Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh con n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng khi kh\u00f4ng \u0111\u1ec3 \u00fd thanh to\u00e1n c\u00e1c lo\u1ea1i ph\u00ed, l\u00e3i<\/h5>\n

Ng\u1ecdc D\u01b0\u01a1ng<\/p>\n

H\u00e0ng lo\u1ea1t ch\u1ee7 th\u1ebb th\u00e0nh con n\u1ee3 b\u1ea5t \u0111\u1eafc d\u0129<\/h5>\n

Ngay sau v\u1ee5 kh\u00e1ch h\u00e0ng n\u1ee3 t\u1eeb 8,5 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i Eximbank sau 11 n\u0103m l\u00ean 8,8 t\u1ec9 \u0111\u1ed3ng, nhi\u1ec1u kh\u00e1ch h\u00e0ng gi\u1eadt m\u00ecnh v\u00e0 ki\u1ec3m tra l\u1ea1i th\u00f4ng tin v\u1edbi NH th\u00ec “t\u00e1 h\u1ecfa” khi bi\u1ebft m\u00ecnh c\u0169ng l\u00e0 con n\u1ee3 nhi\u1ec1u n\u0103m qua. \u0110\u01a1n c\u1eed tr\u01b0\u1eddng h\u1ee3p anh Duy Ph\u01b0\u01a1ng (TP.HCM) ng\u00e0y 15.3 v\u1eeba qua v\u1ed9i g\u1ecdi l\u00ean t\u1ed5ng \u0111\u00e0i Eximbank ki\u1ec3m tra th\u00ec \u0111\u01b0\u1ee3c b\u00e1o l\u00e0 \u0111ang n\u1ee3 ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n h\u01a1n 1,6 tri\u1ec7u \u0111\u1ed3ng. Theo gi\u1ea3i th\u00edch, n\u1ebfu s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n d\u01b0\u1edbi 300.000 \u0111\u1ed3ng th\u00ec s\u1ebd b\u1ecb tr\u1eeb 11.000 \u0111\u1ed3ng\/th\u00e1ng. Kho\u1ea3n ph\u00ed n\u00e0y \u0111\u01b0\u1ee3c tr\u1eeb \u0111\u1ec1u t\u1eeb 2015 t\u1edbi gi\u1edd. \u0110\u00e2y l\u00e0 s\u1ed1 t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c m\u1edf giai \u0111o\u1ea1n 2012-2015 khi anh Ph\u01b0\u01a1ng c\u00f2n l\u00e0m \u1edf c\u00f4ng ty c\u0169 v\u00e0 nh\u1eadn l\u01b0\u01a1ng qua Eximbank nh\u01b0ng sau \u0111\u00f3 chuy\u1ec3n c\u00f4ng ty th\u00ec kh\u00f4ng s\u1eed d\u1ee5ng n\u1eefa. Sau Eximbank, anh ti\u1ebfp t\u1ee5c g\u1ecdi \u0111i\u1ec7n qua t\u1ed5ng \u0111\u00e0i \u1edf c\u00e1c NH t\u1eebng m\u1edf t\u00e0i kho\u1ea3n t\u1eeb n\u0103m 2008 t\u1edbi gi\u1edd \u0111\u1ec3 ki\u1ec3m tra th\u00ec k\u1ebft qu\u1ea3 c\u00f3 th\u00eam n\u1ee3 t\u1ea1i NH \u0110\u00f4ng \u00c1 600.000 \u0111\u1ed3ng l\u00e0 ph\u00ed th\u01b0\u1eddng ni\u00ean th\u1ebb t\u1eeb n\u0103m 2012. \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n \u0111\u00e3 m\u1edf t\u1eeb l\u00fac c\u00f2n sinh vi\u00ean. C\u00f2n c\u00e1c NH Techcombank v\u00e0\u00a0HDBank\u00a0\u0111\u00e3 h\u1ee7y t\u00e0i kho\u1ea3n c\u1ee7a anh sau v\u00e0i n\u0103m kh\u00f4ng ph\u00e1t sinh giao d\u1ecbch; T\u1ea1i ACB v\u1eabn c\u00f2n t\u00e0i kho\u1ea3n nh\u01b0ng kh\u00f4ng n\u1ee3 (v\u00ec ch\u00ednh s\u00e1ch l\u00fac m\u1edf l\u00e0 \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed th\u01b0\u1eddng ni\u00ean).<\/p>\n

Sau chia s\u1ebb c\u1ee7a anh Duy Ph\u01b0\u01a1ng, nhi\u1ec1u ng\u01b0\u1eddi quen v\u00e0 \u0111\u1ed3ng nghi\u1ec7p t\u1eebng l\u00e0m c\u00f4ng ty c\u0169 c\u1ee7a anh c\u00f3 nh\u1eadn l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n Eximbank c\u0169ng v\u00e0o cho bi\u1ebft \u0111\u00e3 ki\u1ec3m tra l\u1ea1i th\u00f4ng tin v\u00e0 \u0111a s\u1ed1 \u0111\u1ec1u m\u1eafc n\u1ee3 NH d\u00f9 t\u00e0i kho\u1ea3n kh\u00f4ng s\u1eed d\u1ee5ng, v\u1edbi m\u1ee9c ph\u1ed5 bi\u1ebfn t\u1eeb 2 – 3 tri\u1ec7u \u0111\u1ed3ng. \u0110\u00e1ng n\u00f3i, anh Duy Ph\u01b0\u01a1ng v\u00e0 nhi\u1ec1u \u0111\u1ed3ng nghi\u1ec7p c\u0169 \u0111\u1ec1u kh\u1eb3ng \u0111\u1ecbnh ch\u01b0a bao gi\u1edd nh\u1eadn th\u00f4ng b\u00e1o t\u1eeb NH v\u1ec1 vi\u1ec7c thu ph\u00ed hay \u0111ang n\u1ee3\u2026 d\u00f9 h\u1eb1ng n\u0103m \u0111\u1ec1u c\u00f3 tin nh\u1eafn ch\u00fac m\u1eebng sinh nh\u1eadt.<\/p>\n

“C\u00e1c kho\u1ea3n n\u1ee3 n\u00e0y l\u00e0 ph\u00ed th\u01b0\u1eddng ni\u00ean th\u1ebb hay ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n v\u00e0 hi\u1ec7n t\u1ea1i kh\u00f4ng b\u1ecb t\u00ednh n\u1ee3 x\u1ea5u, kh\u00e1c n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng. T\u00f4i \u0111\u00e3 t\u1eebng t\u1ef1 ki\u1ec3m tra tr\u00ean h\u1ec7 th\u1ed1ng CIC c\u00e1ch \u0111\u00e2y v\u00e0i th\u00e1ng th\u00ec \u0111i\u1ec3m v\u1eabn t\u1ed1t n\u00ean kh\u00f4ng nh\u1edb t\u1edbi vi\u1ec7c r\u00e0 so\u00e1t c\u00e1c t\u00e0i kho\u1ea3n NH. C\u00e1c t\u00e0i kho\u1ea3n kh\u00f4ng s\u1eed d\u1ee5ng m\u1ed9t th\u1eddi gian th\u00ec NH \u0111\u1ec1u t\u1ea1m kh\u00f3a t\u00e0i kho\u1ea3n, kh\u00f3a th\u1ebb, ng\u1eebng giao d\u1ecbch nh\u01b0ng c\u00f3 NH v\u1eabn tr\u1eeb ph\u00ed \u0111\u1ec1u \u0111\u1ec1u n\u00ean c\u1ee9 \u0111\u1ec3 \u0111\u00f3 kh\u00f4ng \u0111\u00f3ng th\u00ec s\u1ed1 n\u1ee3 s\u1ebd t\u0103ng. Tu\u1ea7n n\u00e0y m\u00ecnh s\u1ebd \u0111i tr\u1ea3 v\u00e0 l\u00e0m th\u1ee7 t\u1ee5c kh\u00f3a h\u1ebft c\u00e1c t\u00e0i kho\u1ea3n. Nh\u01b0 v\u1eady, t\u1ed5ng thi\u1ec7t h\u1ea1i cho \u0111\u1ee3t r\u00e0 so\u00e1t n\u00e0y l\u00e0 h\u01a1n 2,2 tri\u1ec7u \u0111\u1ed3ng, k\u00e8m th\u00eam m\u1ea5y ch\u1ee5c ngh\u00ecn ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i. Ai kh\u00f4ng x\u00e0i t\u00e0i kho\u1ea3n n\u00e0o n\u1eefa th\u00ec \u0111i ki\u1ec3m tra l\u1ea1i lu\u00f4n nh\u00e9, b\u1ea5t k\u1ef3 NH n\u00e0o, ch\u1ee9 kh\u00f4ng l\u1ea1i c\u00f3 phi\u1ec1n h\u00e0 g\u00ec sau n\u00e0y th\u00ec m\u1ec7t l\u1eafm v\u00ec c\u00e1c kho\u1ea3n n\u1ee3 treo tr\u00ean \u0111\u1ea7u”, anh Duy Ph\u01b0\u01a1ng khuy\u1ebfn c\u00e1o.<\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00f3 Eximbank, nhi\u1ec1u ng\u01b0\u1eddi g\u1eb7p c\u1ea3nh t\u01b0\u01a1ng t\u1ef1 khi tr\u1edf th\u00e0nh con n\u1ee3 c\u1ee7a m\u1ed9t s\u1ed1 NH kh\u00e1c. Ch\u1eb3ng h\u1ea1n, ch\u1ecb Phan L\u00ea cho hay sau khi ki\u1ec3m tra \u1edf m\u1ed9t NH kh\u00e1c v\u00ec \u0111\u00e3 t\u1eebng m\u1edf t\u00e0i kho\u1ea3n th\u00ec \u0111\u01b0\u1ee3c b\u00e1o n\u1ee3 h\u01a1n 2,4 tri\u1ec7u \u0111\u1ed3ng (t\u1eeb n\u0103m 2018 \u0111\u1ebfn nay). \u0110\u00e2y l\u00e0 n\u1ee3 g\u1ed3m ph\u00ed duy tr\u00ec th\u1ebb t\u00edn d\u1ee5ng, ph\u00ed SMS th\u00f4ng b\u00e1o bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n\u2026<\/p>\n

Nh\u01b0 v\u1eady kh\u00f4ng ch\u1ec9 b\u1ecb n\u1ee3 ti\u1ec1n s\u1eed d\u1ee5ng trong th\u1ebb t\u00edn d\u1ee5ng m\u00e0 n\u1ebfu \u0111\u00e3 m\u1edf th\u1ebb hay t\u00e0i kho\u1ea3n th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh con n\u1ee3 c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng.<\/p>\n

Kh\u00f4ng s\u1eed d\u1ee5ng c\u0169ng nguy c\u01a1 th\u00e0nh con n\u1ee3<\/h5>\n

Ngo\u00e0i vi\u1ec7c kh\u00f4ng s\u1eed d\u1ee5ng th\u1ebb, kh\u00f4ng s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n nh\u01b0ng v\u1eabn tr\u1edf th\u00e0nh con n\u1ee3, nhi\u1ec1u kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 NH c\u0169ng s\u1ebd r\u01a1i v\u00e0o “ma tr\u1eadn” ph\u00ed v\u00e0 l\u00e3i khi kh\u00f4ng \u0111\u1ec3 \u00fd v\u00e0 c\u0169ng c\u00f3 th\u1ec3 t\u1eeb n\u1ee3 \u00edt th\u00e0nh n\u1ee3 nhi\u1ec1u. Trong \u0111\u00f3, nhi\u1ec1u nh\u1ea5t l\u00e0 bi\u1ec3u ph\u00ed \u00e1p d\u1ee5ng cho th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf. Ch\u1eb3ng h\u1ea1n, Eximbank c\u00f4ng b\u1ed1 bi\u1ec3u ph\u00ed ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf h\u1ea1ng th\u1ebb chu\u1ea9n (v\u00e0ng) c\u00f3 g\u1ea7n 20 lo\u1ea1i ph\u00ed nh\u01b0 ph\u00ed ph\u00e1t h\u00e0nh, ph\u00ed th\u01b0\u1eddng ni\u00ean, ph\u00ed thay th\u1ebf th\u1ebb theo y\u00eau c\u1ea7u, ph\u00ed khi\u1ebfu n\u1ea1i, ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t 4% (t\u1ed1i thi\u1ec3u 100.000 \u0111\u1ed3ng), ph\u00ed x\u00e1c nh\u1eadn s\u1eed d\u1ee5ng th\u1ebb, ph\u00ed sao k\u00ea, ph\u00ed ch\u1ea5m d\u1ee9t s\u1eed d\u1ee5ng th\u1ebb; ph\u00ed tr\u1ec5 h\u1ea1n 5% s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u; ph\u00ed s\u1eed d\u1ee5ng v\u01b0\u1ee3t h\u1ea1n m\u1ee9c 15%, ph\u00ed t\u00e0i ch\u00ednh (l\u00e3i vay) 33%\/n\u0103m\u2026 T\u01b0\u01a1ng t\u1ef1, Vietcombank c\u00f4ng b\u1ed1 c\u00f3 \u0111\u1ebfn 21 lo\u1ea1i ph\u00ed v\u00e0 LS \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf. Trong \u0111\u00f3 l\u00e3i su\u1ea5t th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a Vietcombank th\u1ea5p h\u01a1n khi \u1edf m\u1ee9c 17 – 18%\/n\u0103m t\u00f9y h\u1ea1n th\u1ebb\u2026<\/p>\n

Hay\u00a0th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba\u00a0c\u1ee7a c\u00e1c NH hi\u1ec7n nay c\u0169ng c\u00f5ng kh\u00e1 nhi\u1ec1u lo\u1ea1i ph\u00ed nh\u01b0 ph\u00ed ph\u00e1t h\u00e0nh thay th\u1ebf th\u1ebb theo y\u00eau c\u1ea7u, ph\u00ed c\u1ea5p l\u1ea1i s\u1ed1 PIN, ph\u00ed khi\u1ebfu n\u1ea1i (t\u00f9y NH, t\u1eeb 33.000 – 50.000 \u0111\u1ed3ng\/giao d\u1ecbch); ph\u00ed d\u1ecbch v\u1ee5 ATM nh\u01b0 r\u00fat ti\u1ec1n m\u1eb7t, chuy\u1ec3n kho\u1ea3n, truy v\u1ea5n s\u1ed1 d\u01b0, in sao k\u00ea\u2026<\/p>\n

Ngay c\u1ea3 v\u1edbi t\u00e0i kho\u1ea3n th\u00f4ng th\u01b0\u1eddng, c\u00e1c NH c\u0169ng s\u1ebd \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 lo\u1ea1i ph\u00ed nh\u01b0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed khi c\u00f3 giao d\u1ecbch kh\u00e1c g\u1ed3m x\u00e1c nh\u1eadn s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, sao k\u00ea t\u00e0i kho\u1ea3n thanh to\u00e1n, phong t\u1ecfa t\u00e0i kho\u1ea3n t\u1ea1m th\u1eddi\u2026 Ngo\u00e0i ra, tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd th\u00f4ng b\u00e1o bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n (SMS Banking) th\u00ec h\u1eb1ng th\u00e1ng c\u00f2n ph\u1ea3i \u0111\u00f3ng ti\u1ec1n t\u1eeb 10.000 \u0111\u1ed3ng – 100.000 \u0111\u1ed3ng t\u00f9y NH.<\/p>\n

TS Nguy\u1ec5n H\u1eefu Hu\u00e2n (Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM) k\u1ec3 v\u1ec1 tr\u1ea3i nghi\u1ec7m kh\u00f4ng m\u1ea5y vui khi s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng Citibank. Trong m\u1ed9t l\u1ea7n mua c\u00e0 ph\u00ea Starbucks, c\u1eeda h\u00e0ng l\u00fac n\u00e0y ch\u1ea1y ch\u01b0\u01a1ng tr\u00ecnh qu\u1eb9t th\u1ebb Citibank th\u00ec ly nh\u1ecf \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean ly c\u1ee1 trung n\u00ean \u00f4ng \u0111\u00e3 s\u1eed d\u1ee5ng v\u00e0 ph\u00e1t sinh d\u01b0 n\u1ee3 v\u00e0i ch\u1ee5c ng\u00e0n. M\u1eb7c d\u00f9 \u0111\u01b0\u1ee3c nh\u1eafc l\u1ecbch thanh to\u00e1n nh\u01b0ng s\u1ed1 ti\u1ec1n nh\u1ecf n\u00ean \u00f4ng qu\u00ean m\u1ea5t. H\u1eadu qu\u1ea3 l\u00e0 sau \u0111\u00f3 ch\u1ec9 ri\u00eang ph\u00ed tr\u1ea3 ch\u1eadm ph\u1ea3i tr\u1ea3 l\u00ean \u0111\u1ebfn 300.000 \u0111\u1ed3ng, ch\u01b0a k\u1ec3 n\u1ee3 g\u1ed1c v\u00e0i ch\u1ee5c ng\u00e0n \u0111\u1ed3ng v\u00e0 ti\u1ec1n l\u00e3i. Do \u00edt s\u1eed d\u1ee5ng th\u1ebb n\u00e0y n\u00ean d\u1ec5 b\u1ecb qu\u00ean v\u00e0 ch\u1ec9 \u0111\u1ebfn khi NH th\u00f4ng b\u00e1o ph\u00ed th\u01b0\u1eddng ni\u00ean 1,2 tri\u1ec7u \u0111\u1ed3ng th\u00ec \u00f4ng m\u1edbi quy\u1ebft \u0111\u1ecbnh \u0111\u00f3ng th\u1ebb.<\/p>\n

TS Nguy\u1ec5n H\u1eefu Hu\u00e2n chia s\u1ebb: Nhi\u1ec1u NH hay ch\u1ea1y ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i ph\u00ed th\u01b0\u1eddng ni\u00ean trong n\u0103m \u0111\u1ea7u ph\u00e1t h\u00e0nh th\u1ebb n\u00ean nhi\u1ec1u ng\u01b0\u1eddi m\u1edf th\u1ebb xong m\u00e0 kh\u00f4ng d\u00f9ng. Qua n\u0103m th\u1ee9 hai, th\u1ebb ph\u00e1t sinh ph\u00ed th\u01b0\u1eddng ni\u00ean. \u0110i\u1ec1u v\u00f4 l\u00fd \u1edf \u0111\u00e2y m\u00e0 \u0111a s\u1ed1 c\u00e1c NH hi\u1ec7n nay \u0111ang th\u1ef1c hi\u1ec7n \u0111\u00f3 l\u00e0 ph\u00ed th\u01b0\u1eddng ni\u00ean n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng th\u00ec b\u1ecb ghi nh\u1eadn n\u1ee3. \u00d4ng \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng ph\u00ed th\u01b0\u1eddng ni\u00ean \u0111\u1ec3 duy tr\u00ec s\u1eed d\u1ee5ng th\u1ebb th\u00ec NH c\u00f3 th\u1ec3 c\u1eaft d\u1ecbch v\u1ee5, ch\u1ee9 sao l\u1ea1i t\u00ednh l\u00e3i ph\u00ed n\u00e0y? V\u00ec th\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) n\u00ean c\u00f3 quy \u0111\u1ecbnh v\u1ec1 nh\u1eefng kho\u1ea3n ph\u00ed \u0111\u1ed1i v\u1edbi th\u1ebb n\u00f3i chung v\u00e0 th\u1ebb t\u00edn d\u1ee5ng n\u00f3i ri\u00eang.<\/p>\n

“Hi\u1ec7n nay c\u00e1c NH ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng c\u1ea5p h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng kh\u00e1 cao, c\u00f3 n\u01a1i g\u1ea5p 8 l\u1ea7n l\u01b0\u01a1ng, l\u01b0\u01a1ng 10 tri\u1ec7u \u0111\u1ed3ng c\u00f3 khi h\u1ea1n m\u1ee9c l\u00ean 80 tri\u1ec7u \u0111\u1ed3ng. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u00f4ng qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c chi ti\u00eau s\u1ebd r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n th\u1ebb t\u00edn d\u1ee5ng, m\u00e0 LS th\u1ebb t\u00edn d\u1ee5ng l\u00fac n\u00e0o c\u0169ng cao, c\u00f3 n\u01a1i l\u00ean \u0111\u1ebfn 30%\/n\u0103m. Ch\u01b0a k\u1ec3, ch\u1ee7 th\u1ebb m\u00e0 r\u00fat ti\u1ec1n m\u1eb7t th\u00ec ngay l\u1eadp t\u1ee9c b\u1ecb t\u00ednh ph\u00ed 4% tr\u00ean s\u1ed1 ti\u1ec1n r\u00fat. N\u1ebfu c\u1ed9ng c\u1ea3 l\u00e3i v\u00e0 ph\u00ed r\u00fat ti\u1ec1n th\u00ec r\u1ea5t cao”, \u00f4ng Hu\u00e2n l\u01b0u \u00fd.<\/p>\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>, ph\u00e2n t\u00edch: Theo b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, LS vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c. Khi c\u1ed9ng th\u00eam LS qu\u00e1 h\u1ea1n th\u00ec c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 30%\/n\u0103m. C\u00f2n theo b\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1, tr\u01b0\u1eddng h\u1ee3p cho vay v\u1edbi l\u00e3i su\u1ea5t tr\u00ean 100% th\u00ec ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng.<\/em><\/p>\n

Tuy nhi\u00ean, m\u1ee9c tr\u1ea7n LS cho vay 20% kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u00e0nh NH. Theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1125 c\u1ee7a NHNN n\u0103m 2023, c\u00e1c NH ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn LS kh\u00f4ng qu\u00e1 4%\/n\u0103m khi cho vay 5 l\u0129nh v\u1ef1c \u01b0u ti\u00ean\u2026 Nh\u01b0 v\u1eady LS cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi b\u1ea5t k\u1ef3 con s\u1ed1 n\u00e0o v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 NH c\u00f3 th\u1ec3 cho vay v\u1edbi LS 100%, thu l\u00e3i qu\u00e1 h\u1ea1n 150%\/n\u0103m v\u00e0 \u0111\u1eb7c bi\u1ec7t t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c ra con s\u1ed1 r\u1ea5t l\u1edbn. Vi\u1ec7c kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu LS, l\u00e3i ph\u1ea1t, v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed nh\u01b0 th\u1ebf n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay hay s\u1eed d\u1ee5ng th\u1ebb. Tuy nhi\u00ean nhi\u1ec1u khi kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc, ho\u1eb7c \u0111\u1ecdc c\u0169ng kh\u00f4ng hi\u1ec3u. Do \u0111\u00f3 c\u1ea7n xem l\u1ea1i c\u00e1c quy \u0111\u1ecbnh li\u00ean quan, trong \u0111\u00f3 c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i ch\u1eadm tr\u1ea3 n\u1ee3, l\u00e3i ph\u1ea1t tr\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n c\u0169ng nh\u01b0 vi\u1ec7c nh\u1eadp g\u1ed1c v\u00e0 l\u00e3i khi kh\u00e1ch h\u00e0ng ch\u1eadm tr\u1ea3 n\u1ee3\u2026 \u0110\u1eb7c bi\u1ec7t, NHNN c\u1ea7n xem x\u00e9t \u00e1p tr\u1ea7n LS cho vay chung \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ecdi th\u00e0nh ph\u1ea7n kinh t\u1ebf m\u00e0 kh\u00f4ng n\u00ean \u0111\u1ec3 c\u00e1c NH t\u1ef1 quy\u1ebft \u0111\u1ecbnh.\u00a0<\/em><\/p>\n

C\u1ea7n c\u00f3 quy \u0111\u1ecbnh chung v\u1ec1 t\u00ednh l\u00e3i th\u1ebb t\u00edn d\u1ee5ng<\/h5>\n

C\u00e1ch t\u00ednh l\u00e3i vay c\u1ee7a NH hi\u1ec7n nay t\u00ednh l\u00e3i k\u00e9p, \u0111\u00f3 l\u00e0 l\u00e3i ch\u1ed3ng l\u00e3i. L\u00e3i \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y hay theo th\u00e1ng hay theo n\u0103m r\u1ed3i t\u1eeb \u0111\u00f3 sinh s\u00f4i \u0111\u1ebb ra l\u00e3i. Kh\u00e1ch h\u00e0ng c\u1ea7n n\u1eafm quy \u0111\u1ecbnh n\u00e0y \u0111\u1ec3 c\u00f3 k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n. \u0110\u1eebng \u0111\u1ec3 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con, l\u00e3i con \u0111\u1ebb l\u00e3i ch\u00e1u, l\u00e3i ch\u1eaft. Th\u1ebb t\u00edn d\u1ee5ng theo ki\u1ec3u cho vay tr\u01b0\u1edbc tr\u1ea3 sau v\u00e0 kh\u00f4ng c\u00f3 th\u1ebf ch\u1ea5p (theo h\u00ecnh th\u1ee9c cho vay t\u00edn ch\u1ea5p) n\u00ean l\u00e3i nh\u00ecn v\u00e0o kho\u1ea3ng 20 – 30%\/n\u0103m, c\u1ee9 t\u01b0\u1edfng kh\u00f4ng cao nh\u01b0ng ph\u01b0\u01a1ng th\u1ee9c t\u00ednh kh\u00e1 ph\u1ee9c t\u1ea1p s\u1ebd n\u1ea3y sinh l\u00e3i kh\u1ee7ng. V\u1edbi m\u1ed7i NH \u0111\u01b0a ra c\u00e1ch t\u00ednh l\u00e3i, ph\u00ed kh\u00e1c nhau c\u0169ng s\u1ebd g\u00e2y tranh c\u00e3i, kh\u00f4ng bi\u1ebft \u0111\u00e2u l\u00e0 \u0111\u00fang, \u0111\u00e2u l\u00e0 sai. Do \u0111\u00f3, NHNN c\u0169ng n\u00ean \u0111\u01b0a ra quy \u0111\u1ecbnh chung v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

Chuy\u00ean gia t\u00e0i ch\u00ednh\u00a0Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/strong><\/em><\/h5>\n

\u0110\u1ec3 thu h\u00fat ng\u01b0\u1eddi s\u1eed d\u1ee5ng, c\u00e1c NH th\u01b0\u1eddng ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng k\u00e8m r\u1ea5t nhi\u1ec1u ch\u00ednh s\u00e1ch h\u1ea5p d\u1eabn. Tuy nhi\u00ean, LS \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c vay n\u00e0y bao gi\u1edd c\u0169ng cao h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 LS qu\u00e1 h\u1ea1n b\u1edfi NH ph\u1ea3i d\u1ef1 ph\u00f2ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro h\u01a1n. Ch\u01b0a k\u1ec3 LS qu\u00e1 h\u1ea1n thay v\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam t\u1ed1i \u0111a 10% nh\u01b0 quy \u0111\u1ecbnh chung, th\u00ec l\u1ea1i b\u1eb1ng 150% LS trong h\u1ea1n. N\u1ebfu kh\u00f4ng may ph\u00e1t sinh nh\u1eefng r\u1eafc r\u1ed1i, tranh ch\u1ea5p, k\u1ec3 c\u1ea3 khi kh\u00f4ng d\u00f9ng th\u1ebb m\u00e0 v\u1eabn b\u1ecb ghi n\u1ee3, th\u00ec ph\u1ea3i nhanh ch\u00f3ng x\u1eed l\u00fd. N\u1ebfu kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c v\u1edbi NH th\u00ec ph\u1ea3i kh\u1edfi ki\u1ec7n ho\u1eb7c tr\u00ecnh b\u00e1o cho c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft, ch\u1ee9 kh\u00f4ng n\u00ean th\u1edd \u01a1, b\u1ecf m\u1eb7c. Th\u00eam n\u1eefa, c\u0169ng c\u1ea7n l\u01b0u \u00fd, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c s\u1ebd r\u01a1i v\u00e0o danh s\u00e1ch “\u0111en”, c\u00f3 n\u1ee3 x\u1ea5u, s\u1ebd b\u1ecb l\u01b0u v\u1ebft, m\u1ea5t uy t\u00edn, m\u1ea5t \u0111i\u1ec3m t\u00edn d\u1ee5ng, kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng. Qua v\u1ee5 vi\u1ec7c kh\u00e1ch h\u00e0ng t\u1ea1i Eximbank, c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n ph\u1ea3i xem x\u00e9t v\u00e0 \u0111\u00e3 \u0111\u1ebfn l\u00fac ph\u1ea3i s\u1eeda \u0111\u1ed5i lu\u1eadt, \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t quy \u0111\u1ecbnh v\u1ec1 LS cho vay n\u00f3i chung \u0111\u1ed1i v\u1edbi m\u1ecdi th\u00e0nh ph\u1ea7n kinh t\u1ebf, cao th\u00ec c\u00f9ng cao, th\u1ea5p th\u00ec c\u00f9ng th\u1ea5p, theo l\u1ebd c\u00f4ng b\u1eb1ng, b\u00ecnh \u0111\u1eb3ng, h\u1ee3p l\u00fd, h\u1ee3p t\u00ecnh.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/span><\/a><\/em><\/p>\n

 <\/p>\n

Mai<\/strong> Ph\u01b0\u01a1ng \u2013 Thanh Xu\u00e2n<\/strong><\/p>\n

—————<\/p>\n

Than<\/em><\/strong>h ni\u00ean (Ng\u00e2n h\u00e0ng) 18-4-2024:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/ma-tran-lai-phi-the-tin-dung-185240317225153811.htm<\/a><\/em><\/p>\n

(521\/2.768<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Ma tr\u1eadn l\u00e3i, ph\u00ed th\u1ebb t\u00edn d\u1ee5ng (TN) – C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u00e1p d\u1ee5ng h\u00e0ng lo\u1ea1t ph\u00ed khi kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, \u0111\u1eb7c bi\u1ec7t th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf c\u00f2n c\u00f3 th\u00eam l\u00e3i su\u1ea5t cao ng\u1ea5t, v\u1edbi ma tr\u1eadn c\u00e1ch t\u00ednh, c\u00f3 th\u1ec3 \u0111\u1ea9y nhi\u1ec1u ng\u01b0\u1eddi “b\u1ed7ng d\u01b0ng th\u00e0nh con n\u1ee3”. C\u00f4ng […]<\/p>\n","protected":false},"author":2,"featured_media":39195,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[50,36],"class_list":["post-39194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.258. 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