{"id":44771,"date":"2024-12-05T16:23:57","date_gmt":"2024-12-05T09:23:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=44771"},"modified":"2024-12-06T08:33:44","modified_gmt":"2024-12-06T01:33:44","slug":"3-927-tang-tinh-tuan-thu-va-minh-bach-de-ngua-rui-ro-so-huu-cheo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-927-tang-tinh-tuan-thu-va-minh-bach-de-ngua-rui-ro-so-huu-cheo\/","title":{"rendered":"3.927. T\u0103ng t\u00ednh tu\u00e2n th\u1ee7 v\u00e0 minh b\u1ea1ch \u0111\u1ec3 ng\u1eeba r\u1ee7i ro s\u1edf h\u1eefu ch\u00e9o."},"content":{"rendered":"

T\u0103ng t\u00ednh tu\u00e2n th\u1ee7 v\u00e0 minh b\u1ea1ch \u0111\u1ec3 ng\u1eeba r\u1ee7i ro s\u1edf h\u1eefu ch\u00e9o<\/strong><\/span><\/h4>\n
(TBNH) – \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a nhi\u1ec1u chuy\u00ean gia t\u1ea1i H\u1ed9i th\u1ea3o \u201cX\u00e2y d\u1ef1ng c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng \u1edf Vi\u1ec7t Nam\u201d di\u1ec5n ra ng\u00e0y 5\/12, do T\u1ea1p ch\u00ed \u0111i\u1ec7n t\u1eed VietTimes ph\u1ed1i h\u1ee3p v\u1edbi H\u1ed9i Truy\u1ec1n th\u00f4ng s\u1ed1 Vi\u1ec7t Nam t\u1ed5 ch\u1ee9c.<\/h5>\n
\"tu\u00e2n

Ch\u01b0a c\u00f3 b\u1ed9 lu\u1eadt n\u00e0o t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay t\u1ed1t nh\u01b0 Lu\u1eadt C\u00e1c TCTD l\u1ea7n n\u00e0y, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 s\u1edf h\u1eefu ch\u00e9o<\/p><\/div>\n

Khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n<\/h5>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 s\u1edf h\u1eefu ch\u00e9o, chia s\u1ebb t\u1ea1i H\u1ed9i th\u1ea3o, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em>\u00a0cho bi\u1ebft, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 2010 \u0111\u00e3 \u0111\u01b0a ra m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh h\u1ea1n ch\u1ebf s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o v\u00e0 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n s\u1edf h\u1eefu v\u1ed1n \u0111i\u1ec1u l\u1ec7. Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 c\u00f3 t\u00e1c d\u1ee5ng trong vi\u1ec7c h\u1ea1n ch\u1ebf v\u00e0 x\u1eed l\u00fd nh\u1eefng xung \u0111\u1ed9t l\u1ee3i \u00edch thi\u1ec3u s\u1ed1 v\u1edbi l\u1ee3i \u00edch c\u1ee7a TCTD, h\u1ea1n ch\u1ebf r\u1ee7i ro, thao t\u00fang, chi ph\u1ed1i ng\u00e2n h\u00e0ng. Tuy v\u1eady, tr\u01b0\u1edbc th\u1ef1c t\u1ebf kh\u00e1ch quan, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) \u0111\u00e3 ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 quy\u1ebft li\u1ec7t tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p ng\u0103n ng\u1eeba, x\u1eed l\u00fd s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh, s\u1edf h\u1eefu ch\u00e9o, cho vay, \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh.<\/em><\/p>\n

<\/h6>\n

G\u1ea7n \u0111\u00e2y nh\u1ea5t, Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 \u0111\u00e3 s\u1eeda \u0111\u1ed5i b\u1ed5 sung m\u1ed9t lo\u1ea1t c\u00e1c quy \u0111\u1ecbnh gi\u00fap t\u0103ng c\u01b0\u1eddng ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng \u0111\u1ea7u t\u01b0 ch\u00e9o, s\u1edf h\u1eefu ch\u00e9o v\u00e0 s\u1edf h\u1eefu c\u00f3 t\u00ednh ch\u1ea5t thao t\u00fang, chi ph\u1ed1i trong c\u00e1c TCTD. \u0110i c\u00f9ng v\u1edbi \u0111\u00f3, NHNN \u0111\u00e3 ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 li\u00ean quan nh\u01b0 Th\u00f4ng t\u01b0 16\/2024\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u00e2y d\u1ef1ng v\u00e0 th\u1ef1c hi\u1ec7n l\u1ed9 tr\u00ecnh tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD, c\u00f4ng ty con c\u1ee7a TCTD; Th\u00f4ng t\u01b0 25\/2024\/TT-NHNN quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1 v\u00e0 th\u1ee7 t\u1ee5c ch\u1ea5p thu\u1eadn vi\u1ec7c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD nh\u1eb1m g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf s\u1edf h\u1eefu ch\u00e9o, s\u1edf h\u1eefu c\u00f3 t\u00ednh ch\u1ea5t chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD, ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng. V\u00e0 g\u1ea7n \u0111\u00e2y nh\u1ea5t, NHNN \u0111\u00e3 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh vi\u1ec7c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 c\u1ed5 \u0111\u00f4ng, c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t t\u1ef7 l\u1ec7 cho ph\u00e9p ph\u1ea3i x\u00e2y d\u1ef1ng v\u00e0 th\u1ef1c hi\u1ec7n l\u1ed9 tr\u00ecnh tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c TCTD.<\/p>\n

“T\u1ef1u chung l\u1ea1i, ch\u00fang t\u00f4i \u0111\u00e1nh gi\u00e1 cao nh\u1eefng quy \u0111\u1ecbnh si\u1ebft ch\u1eb7t gi\u1edbi h\u1ea1n s\u1edf h\u1eefu v\u00e0 t\u00edn d\u1ee5ng trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt g\u1ea7n \u0111\u00e2y”, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/em>\u00a0<\/em><\/strong>kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

T\u1eeb kinh nghi\u1ec7m gi\u1ea3ng d\u1ea1y \u0111\u1ea1i h\u1ecdc trong 43 n\u0103m, PGS.TS. \u0110\u00e0o V\u0103n H\u00f9ng, nguy\u00ean Gi\u00e1m \u0111\u1ed1c H\u1ecdc vi\u1ec7n Ch\u00ednh s\u00e1ch v\u00e0 Ph\u00e1t tri\u1ec3n c\u0169ng \u0111\u00e1nh gi\u00e1, ch\u01b0a c\u00f3 b\u1ed9 lu\u1eadt n\u00e0o t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay t\u1ed1t nh\u01b0 Lu\u1eadt C\u00e1c TCTD l\u1ea7n n\u00e0y, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 s\u1edf h\u1eefu ch\u00e9o. Tuy nhi\u00ean, b\u1ed9 lu\u1eadt n\u00e0y ch\u1ec9 l\u00e0 quy t\u1eafc, con s\u1ed1. V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 \u1edf s\u1ef1 tu\u00e2n th\u1ee7 l\u1ea1i n\u1eb1m trong b\u1ed9 lu\u1eadt kh\u00e1c. N\u1ebfu ch\u1ec9 c\u00f3 duy nh\u1ea5t b\u1ed9 lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng th\u00ec ch\u01b0a \u0111\u1ee7 m\u00e0 c\u1ea7n \u0111\u1ed3ng b\u1ed9 v\u1edbi c\u00e1c lu\u1eadt kh\u00e1c \u0111\u1ec3 c\u00f3 ch\u1ebf t\u00e0i cho c\u00e1c h\u00e0nh vi vi ph\u1ea1m.<\/p>\n

\"tu\u00e2n

To\u00e0n c\u1ea3nh H\u1ed9i th\u1ea3o<\/p><\/div>\n

M\u1ea5u ch\u1ed1t l\u00e0 tu\u00e2n th\u1ee7 v\u00e0 gi\u00e1m s\u00e1t th\u1ef1c thi<\/strong><\/h5>\n

“Lu\u1eadt ch\u1eb7t hay l\u1ecfng th\u00ec \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t v\u1eabn l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng, c\u1ed5 \u0111\u00f4ng v\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i t\u1ef1 m\u00ecnh t\u00f4n tr\u1ecdng c\u00e1c nguy\u00ean t\u1eafc, chu\u1ea9n m\u1ef1c, \u0111\u1ec1 cao vi\u1ec7c tu\u00e2n th\u1ee7. \u0110\u1ed3ng th\u1eddi, c\u00f4ng t\u00e1c thanh tra, gi\u00e1m s\u00e1t ph\u1ea3i \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng, th\u1eadt s\u1ef1 nghi\u00eam t\u00fac, k\u1ecbp th\u1eddi th\u00ec m\u1edbi b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 v\u00e0 hi\u1ec7u l\u1ef1c c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng”,<\/em> Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/em>\u00a0<\/em><\/strong>kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

Kh\u1eb3ng \u0111\u1ecbnh m\u1ea5u ch\u1ed1t c\u1ee7a m\u1ecdi m\u1ea5u ch\u1ed1t v\u1eabn n\u1eb1m \u1edf kh\u00e2u gi\u00e1m s\u00e1t th\u1ef1c thi lu\u1eadt, \u00f4ng \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t thay v\u00ec c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu 01% m\u1edbi ph\u1ea3i c\u00f4ng khai th\u00ec danh s\u00e1ch to\u00e0n b\u1ed9 c\u1ed5 \u0111\u00f4ng c\u1ea7n \u0111\u01b0\u1ee3c c\u00f4ng khai; thay v\u00ec ch\u1ec9 kh\u00e1ch h\u00e0ng c\u00f3 d\u01b0 n\u1ee3 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng m\u1edbi c\u00f4ng b\u1ed1 th\u00ec to\u00e0n b\u1ed9 danh s\u00e1ch kh\u00e1ch h\u00e0ng vay v\u1ed1n \u0111\u1ec1u ph\u1ea3i c\u00f4ng b\u1ed1 tr\u00ean website ng\u00e2n h\u00e0ng. Ch\u1ec9 c\u00f3 c\u00f4ng khai minh b\u1ea1ch th\u00ec m\u1edbi c\u00f3 gi\u00e1m s\u00e1t th\u1ef1c s\u1ef1.<\/em><\/p>\n

<\/h6>\n

\u0110\u1ec3 t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch, \u00f4ng Nguy\u1ec5n V\u0103n H\u1ea3o, Ph\u00f3 ch\u1ee7 t\u1ecbch H\u1ed9i Truy\u1ec1n th\u00f4ng s\u1ed1 Vi\u1ec7t Nam nh\u1ea5n m\u1ea1nh \u0111\u1ebfn s\u1ef1 minh b\u1ea1ch trong qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng. Qu\u1ea3n tr\u1ecb r\u1ee7i ro mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 minh b\u1ea1ch ph\u1ea3i c\u00f3 2 \u0111i\u1ec1u ki\u1ec7n. Th\u1ee9 nh\u1ea5t, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan ph\u1ea3i tu\u00e2n th\u1ee7. Th\u1ee9 hai, ph\u1ea3i c\u00f3 s\u1ef1 ch\u00ednh tr\u1ef1c v\u00e0 c\u00e1i \u0111\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a nh\u1eefng ng\u01b0\u1eddi \u0111ang kinh doanh \u1edf ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng H\u00f9ng cho r\u1eb1ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n t\u1ea1i \u0111\u00e3 c\u00f3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n quan tr\u1ecdng v\u1ec1 s\u1edf h\u1eefu ch\u00e9o, tuy nhi\u00ean c\u1ea7n tri\u1ec3n khai nghi\u00eam t\u00fac \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 minh b\u1ea1ch trong h\u1ec7 th\u1ed1ng. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111i c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u1ee7ng c\u1ed1 ni\u1ec1m tin c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Theo \u00f4ng H\u00f9ng, b\u1ea5t k\u1ef3 ch\u00ednh s\u00e1ch n\u00e0o c\u0169ng c\u1ea7n mang l\u1ea1i l\u1ee3i \u00edch cho doanh nghi\u1ec7p v\u00e0 kh\u1ea3 thi trong th\u1ef1c hi\u1ec7n. N\u1ebfu kh\u00f4ng, c\u00e1c doanh nghi\u1ec7p s\u1ebd t\u00ecm c\u00e1ch \u201cl\u00e1ch\u201d ch\u00ednh s\u00e1ch \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau, t\u1ea1o ra r\u1ee7i ro ti\u1ec1m \u1ea9n. C\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh c\u1ea7n t\u1eadp trung ph\u00e1t tri\u1ec3n to\u00e0n di\u1ec7n c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m, v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu m\u00e0 c\u00f2n gi\u1ea3m thi\u1ec3u r\u1ee7i ro h\u1ec7 th\u1ed1ng.<\/p>\n

\u00d4ng H\u00f9ng ki\u1ebfn ngh\u1ecb, m\u1ed9t b\u1ed9 lu\u1eadt ri\u00eang l\u1ebb kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft to\u00e0n b\u1ed9 v\u1ea5n \u0111\u1ec1. Vi\u1ec7c \u0111\u1ed3ng b\u1ed9 c\u00e1c lu\u1eadt li\u00ean quan s\u1ebd gi\u00fap t\u1ea1o m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd v\u1eefng ch\u1eafc, h\u1ed7 tr\u1ee3 cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh.<\/p>\n

V\u1edbi nh\u1eefng b\u01b0\u1edbc ti\u1ebfn trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t, Vi\u1ec7t Nam \u0111ang t\u1eebng b\u01b0\u1edbc x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng v\u00e0 hi\u1ec7u qu\u1ea3. Tuy nhi\u00ean, th\u00e0nh c\u00f4ng kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf vi\u1ec7c ban h\u00e0nh lu\u1eadt m\u00e0 c\u00f2n \u1edf s\u1ef1 tu\u00e2n th\u1ee7 v\u00e0 ph\u1ed1i h\u1ee3p \u0111\u1ed3ng b\u1ed9 gi\u1eefa c\u00e1c b\u00ean li\u00ean quan. \u201cV\u1edbi t\u1ea7m nh\u00ecn \u0111\u00fang \u0111\u1eafn v\u00e0 c\u00e1c ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p, c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh Vi\u1ec7t Nam c\u00f3 th\u1ec3 v\u01b0\u01a1n xa, kh\u00f4ng ch\u1ec9 trong khu v\u1ef1c m\u00e0 c\u00f2n tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf\u201d, PGS.TS. \u0110\u00e0o V\u0103n H\u00f9ng nh\u1ea5n m\u1ea1nh.<\/p>\n

H.Giang<\/strong><\/h5>\n

————-<\/em><\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (G\u00f3c nh\u00ecn) ng\u00e0y 05-12-2024:<\/em><\/strong><\/p>\n

https:\/\/thoibaonganhang.vn\/tang-tinh-tuan-thu-va-minh-bach-de-ngua-rui-ro-so-huu-cheo-158461.html<\/a><\/em><\/p>\n

(353\/1.163)<\/em>","protected":false},"excerpt":{"rendered":"

T\u0103ng t\u00ednh tu\u00e2n th\u1ee7 v\u00e0 minh b\u1ea1ch \u0111\u1ec3 ng\u1eeba r\u1ee7i ro s\u1edf h\u1eefu ch\u00e9o (TBNH) – \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a nhi\u1ec1u chuy\u00ean gia t\u1ea1i H\u1ed9i th\u1ea3o \u201cX\u00e2y d\u1ef1ng c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng \u1edf Vi\u1ec7t Nam\u201d di\u1ec5n ra ng\u00e0y 5\/12, do T\u1ea1p ch\u00ed \u0111i\u1ec7n t\u1eed VietTimes ph\u1ed1i h\u1ee3p v\u1edbi H\u1ed9i […]<\/p>\n","protected":false},"author":2,"featured_media":44772,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-44771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.927. 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