{"id":39983,"date":"2024-07-04T06:00:45","date_gmt":"2024-07-03T23:00:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39983"},"modified":"2024-10-01T11:05:32","modified_gmt":"2024-10-01T04:05:32","slug":"424-binh-luan-ve-quy-dinh-phap-ly-de-bao-ve-khach-hang-su-dung-dich-vu-ngan-hang-va-cac-khuyen-cao-cua-luat-su-doi-voi-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/424-binh-luan-ve-quy-dinh-phap-ly-de-bao-ve-khach-hang-su-dung-dich-vu-ngan-hang-va-cac-khuyen-cao-cua-luat-su-doi-voi-khach-hang\/","title":{"rendered":"424. B\u00ecnh lu\u1eadn v\u1ec1 \u201cQuy \u0111\u1ecbnh ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c khuy\u1ebfn c\u00e1o c\u1ee7a Lu\u1eadt s\u01b0 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d"},"content":{"rendered":"

B\u00ecnh lu\u1eadn v\u1ec1 \u201cQuy \u0111\u1ecbnh ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c khuy\u1ebfn c\u00e1o c\u1ee7a Lu\u1eadt s\u01b0 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d<\/span><\/h4>\n
(ANVI<\/a><\/span>) – Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o Gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ed5 ch\u1ee9c ng\u00e0y 04-7-2024 t\u1ea1i 25 L\u00fd Th\u01b0\u1eddng Ki\u1ec7t, H\u00e0 N\u1ed9i.<\/em><\/strong><\/h5>\n
1. <\/span>C\u01a1 s\u1edf ph\u00e1p l\u00fd:<\/h5>\n
C\u01a1 s\u1edf ph\u00e1p l\u00fd n\u00e0o b\u1eaft bu\u1ed9c ph\u1ea3i x\u00e1c th\u1ef1c sinh tr\u1eafc m\u1eb7t b\u1eb1ng khu\u00f4n m\u1eb7t \u0111\u1ec3 giao d\u1ecbch online tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng?<\/em><\/h5>\n

1.1. Li\u00ean quan \u0111\u1ebfn vi\u1ec7c tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p an to\u00e0n, b\u1ea3o m\u1eadt trong thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n th\u1ebb ng\u00e2n h\u00e0ng t\u1eeb ng\u00e0y 01-7-2024, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN, \u0111\u1eb7t ra y\u00eau c\u1ea7u nh\u1eadn d\u1ea1ng sinh tr\u1eafc h\u1ecdc c\u1ee7a kh\u00e1ch h\u00e0ng (nh\u01b0 khu\u00f4n m\u1eb7t, t\u0129nh m\u1ea1ch ng\u00f3n tay ho\u1eb7c b\u00e0n tay, v\u00e2n tay, m\u1ed1ng m\u1eaft, gi\u1ecdng n\u00f3i) \u0111\u1ec3 x\u00e1c th\u1ef1c giao d\u1ecbch, tu\u1ef3 theo giao d\u1ecbch \u0111\u01b0\u1ee3c ph\u00e2n th\u00e0nh 04 lo\u1ea1i A, B, C v\u00e0 D, d\u1ef1a theo gi\u00e1 tr\u1ecb giao d\u1ecbch. Trong \u0111\u00f3 c\u00f3 vi\u1ec7c chuy\u1ec3n ti\u1ec1n tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng trong 01 l\u1ea7n ho\u1eb7c tr\u00ean 20 tri\u1ec7u \u0111\u1ed3ng trong m\u1ed9t ng\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc. C\u00e1c ng\u00e2n h\u00e0ng m\u1edbi tri\u1ec3n khai sinh tr\u1eafc h\u1ecdc khu\u00f4n m\u1eb7t.<\/p>\n

1.2. Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN ng\u00e0y 18-12-2023 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cgi\u1ea3i ph\u00e1p an to\u00e0n, b\u1ea3o m\u1eadt trong thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n th\u1ebb ng\u00e2n h\u00e0ng\u201d. Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt duy nh\u1ea5t l\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 35\/2016\/TT-NHNN ng\u00e0y 29-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh an to\u00e0n, b\u1ea3o m\u1eadt cho vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u00ean Internet\u201d (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 35\/2018\/TT-NHNN ng\u00e0y 24-12-2018).<\/p>\n

<\/h6>\n

1.3. Tuy nhi\u00ean, th\u1ef1c ch\u1ea5t c\u00f2n nhi\u1ec1u quy \u0111\u1ecbnh l\u00e0m c\u01a1 s\u1edf v\u00e0 li\u00ean quan nh\u01b0:<\/p>\n

– \u0110i\u1ec1u 140 v\u1ec1 \u201cY\u00eau c\u1ea7u b\u1ea3o \u0111\u1ea3m an to\u00e0n giao d\u1ecbch \u0111i\u1ec7n t\u1eed trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2024):<\/p>\n

\u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt giao d\u1ecbch \u0111i\u1ec7n t\u1eed trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch \u0111i\u1ec7n t\u1eed<\/em>\u201d.<\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 69\/2024\/N\u0110-CP ng\u00e0y 25-6-2024 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh v\u1ec1 \u0111\u1ecbnh danh v\u00e0 x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed\u201d;<\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 52\/2024\/N\u0110-CP ng\u00e0y 15-5-2024 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d;<\/p>\n

– Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19-8-2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 02\/2019\/TT-NHNN ng\u00e0y 28-02-2019 v\u00e0 s\u1ed1 16\/2020\/TT-NHNN ng\u00e0y 04-12-2020).<\/p>\n

1.4. V\u00ec quy \u0111\u1ecbnh x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc \u0111\u1ec3 giao d\u1ecbch chuy\u1ec3n ti\u1ec1n online tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, n\u00ean ch\u01b0a ph\u1ea3i l\u00e0 b\u1eaft bu\u1ed9c, m\u00e0 l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn v\u00e0 tho\u1ea3 thu\u1eadn v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5.<\/p>\n

1.5. \u0110\u1ea7u ti\u00ean ch\u1ec9 c\u1ea7n b\u1ea3o v\u1ec7 02 l\u1edbp, sau \u0111\u00f3 l\u00e0 ph\u1ea3i b\u1ea3o v\u1ec7 02 l\u1edbp l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi 100% giao d\u1ecbch, nay l\u00e0 b\u1ea3o v\u1ec7 l\u1edbp th\u1ee9 03, ch\u1ec9 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi kho\u1ea3ng 11% t\u1ed5ng s\u1ed1 giao d\u1ecbch.<\/p>\n

2. Nhu c\u1ea7u x\u00e1c th\u1ef1c:<\/h5>\n

Ng\u01b0\u1eddi ch\u1ec9 c\u00f3 d\u01b0\u1edbi 10 tri\u1ec7u trong t\u00e0i kho\u1ea3n hay ng\u01b0\u1eddi kh\u00f4ng c\u00f3 nhu c\u1ea7u chuy\u1ec3n tr\u00ean 10 tri\u1ec7u\/l\u1ea7n ho\u1eb7c 20 tri\u1ec7u\/ng\u00e0y, th\u00ec c\u00f3 c\u1ea7n x\u00e1c th\u1ef1c kh\u00f4ng?<\/em><\/p>\n

2.1. \u0110\u01b0\u01a1ng nhi\u00ean l\u00e0 v\u1ec1 y\u00eau c\u1ea7u giao d\u1ecbch th\u00ec kh\u00f4ng b\u1eaft bu\u1ed9c. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ch\u1ec9 c\u00e2n nh\u1eafc gi\u1eefa ti\u1ec7n \u00edch v\u00e0 r\u1ee7i ro, ch\u1ee9 kh\u00f4ng b\u1ecb x\u1eed l\u00fd khi kh\u00f4ng x\u00e1c th\u1ef1c. Kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n kh\u00f4ng mu\u1ed1n x\u00e1c th\u1ef1c th\u00ec v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ebfn ng\u00e2n h\u00e0ng giao d\u1ecbch nh\u01b0 c\u0169.<\/p>\n

2.2. Nh\u01b0ng v\u1ec1 s\u1ef1 an to\u00e0n, b\u1ea3o m\u1eadt th\u00ec r\u1ea5t c\u1ea7n, v\u00ec x\u00e1c th\u1ef1c kh\u00f4ng ph\u1ea3i ch\u1ec9 \u0111\u1ec3 ch\u1ee7 t\u00e0i kho\u1ea3n chuy\u1ec3n ti\u1ec1n \u0111i an to\u00e0n, m\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 \u0111\u1ec3 ng\u01b0\u1eddi kh\u00e1c, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o, kh\u00f4ng chuy\u1ec3n \u0111\u01b0\u1ee3c ti\u1ec1n trong t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh. Kh\u00f4ng x\u00e1c th\u1ef1c, th\u00ec t\u1ed9i ph\u1ea1m chi\u1ebfm \u0111o\u1ea1t quy\u1ec1n \u0111i\u1ec1u khi\u1ec3n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng chuy\u1ec3n ti\u1ec1n t\u1ef1 \u0111\u1ed9ng m\u1ed7i l\u1ea7n d\u01b0\u1edbi 500 tri\u1ec7u ngay l\u1eadp t\u1ee9c v\u00e0 kh\u00f4ng c\u00f3 gi\u1edbi h\u1ea1n nh\u01b0 \u0111\u00e3 x\u1ea3y ra qu\u00e1 nhi\u1ec1u trong th\u1eddi gian qua.<\/p>\n

3. H\u1ea1n ch\u1ebf \u1ee7y quy\u1ec1n:<\/h5>\n

Nh\u01b0 v\u1eady vi\u1ec7c x\u00e1c th\u1ef1c khu\u00f4n m\u1eb7t c\u00f3 h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n kh\u00f4ng khi kh\u00f4ng th\u1ec3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c giao d\u1ecbch \u0111\u01b0\u1ee3c? <\/em><\/p>\n

3.1. Giao d\u1ecbch v\u1edbi s\u1ed1 ti\u1ec1n tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng, b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c online r\u1ee7i ro cao v\u00e0 c\u1ea7n \u0111\u1ed9 an to\u00e0n cao, th\u00ec ph\u1ea3i do ch\u00ednh ch\u1ee7 t\u00e0i kho\u1ea3n th\u1ef1c hi\u1ec7n b\u1eb1ng nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t m\u00ecnh.<\/p>\n

3.2. N\u1ebfu mu\u1ed1n u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c th\u00ec v\u1eabn kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf, nh\u01b0ng ch\u1ec9 giao d\u1ecbch tr\u1ef1c ti\u1ebfp t\u1ea1i ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 \u0111i\u1ec1u ho\u00e0n to\u00e0n h\u1ee3p l\u00fd.<\/p>\n

4. Khuy\u1ebfn c\u00e1o kh\u00e1ch h\u00e0ng:<\/strong><\/h5>\n

4.1. Giao d\u1ecbch d\u01b0\u1edbi 10 tri\u1ec7u c\u0169ng n\u00ean t\u1ef1 nguy\u1ec7n \u0111\u1ec1 ngh\u1ecb ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng ch\u1ebf \u0111\u1ed9 x\u00e1c th\u1ef1c khu\u00f4n m\u1eb7t. T\u1ea5t nhi\u00ean vi\u1ec7c n\u00e0y c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ec3 tr\u00e1nh nguy c\u01a1 m\u1ea5t 10 – 20 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y.<\/p>\n

4.2. Kh\u00f4ng v\u00f4 t\u00ecnh hay c\u1ed1 \u00fd t\u1ea1o ra thu\u00ea bao r\u00e1c, t\u00e0i kho\u1ea3n t\u00e0i kh\u1ed1ng v\u00e0 t\u00e0i kho\u1ea3n m\u1ea1ng \u1ea3o \u0111\u1ec3 t\u1ed9i ph\u1ea1m l\u1ee3i d\u1ee5ng.<\/p>\n

4.3. V\u1eabn ph\u1ea3i b\u1ea3o m\u1eadt th\u00f4ng tin, m\u1eadt kh\u1ea9u \u0111i\u1ec7n tho\u1ea1i v\u00e0 m\u1eadt kh\u1ea9u giao d\u1ecbch.<\/p>\n

4.4. H\u1ebft s\u1ee9c c\u1ea3nh gi\u00e1c ph\u00f2ng tr\u00e1nh tr\u01b0\u1edbc c\u00e1c h\u00e0nh vi l\u1eeba \u0111\u1ea3o, trong \u0111\u00f3 r\u1ea5t c\u1ea7n ph\u1ea3i theo d\u00f5i, c\u1eadp nh\u1eadt k\u1ecbp th\u1eddi nh\u1eefng th\u1ee7 \u0111o\u1ea1n ph\u1ea1m t\u1ed9i m\u1edbi.<\/p>\n

4.5. Li\u00ean h\u1ec7 k\u1ecbp th\u1eddi v\u1edbi ng\u00e2n h\u00e0ng h\u01b0\u1edbng d\u1eabn, ng\u0103n ch\u1eb7n, x\u1eed l\u00fd s\u1ef1 c\u1ed1 ngay sau khi ph\u00e1t hi\u1ec7n d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng.<\/p>\n

4.6. T\u00f3m l\u1ea1i, vi\u1ec7c x\u00e1c th\u1ef1c ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n 1 l\u1ea7n v\u00e0 ch\u1ec9 mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n, an to\u00e0n h\u01a1n, ch\u1ee9 kh\u00f4ng h\u1ec1 c\u00f3 r\u1ee7i ro h\u01a1n. V\u00e0 v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t, x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc, th\u00eam l\u1edbp b\u1ea3o v\u1ec7 th\u1ee9 3, kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ec3 an to\u00e0n cho vi\u1ec7c chuy\u1ec3n ti\u1ec1n, m\u00e0 l\u00e0 b\u1ea3o v\u1ec7 an to\u00e0n t\u00e0i kho\u1ea3n, ng\u0103n ch\u1eb7n t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao v\u00e0 ph\u00f2ng ng\u1eeba ng\u01b0\u1eddi kh\u00e1c chuy\u1ec3n, r\u00fat chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n trong t\u00e0i kho\u1ea3n.\/.<\/strong><\/h4>\n

—————–<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a><\/span><\/em><\/p>\n

Gi\u00e1m \u0111\u1ed1c <\/span>C\u00f4ng ty Lu\u1eadt<\/a> <\/span>ANVI<\/a><\/span><\/strong>, <\/em>Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/em><\/p>\n

(1.084\/1.084)<\/em>","protected":false},"excerpt":{"rendered":"

B\u00ecnh lu\u1eadn v\u1ec1 \u201cQuy \u0111\u1ecbnh ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c khuy\u1ebfn c\u00e1o c\u1ee7a Lu\u1eadt s\u01b0 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d (ANVI) – Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o Gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ed5 ch\u1ee9c […]<\/p>\n","protected":false},"author":2,"featured_media":40051,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[36,43],"class_list":["post-39983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media","tag-luat-su-ngan-hang","tag-luat-su-thuong-mai-dien-tu"],"acf":[],"yoast_head":"\n424. 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