{"id":48544,"date":"2025-08-20T22:47:06","date_gmt":"2025-08-20T15:47:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=48544"},"modified":"2025-09-25T12:10:48","modified_gmt":"2025-09-25T05:10:48","slug":"449-binh-luan-ve-quan-ly-va-phat-trien-fintech","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/448-binh-luan-ve-quan-ly-va-phat-trien-fintech\/","title":{"rendered":"448. B\u00ecnh lu\u1eadn v\u1ec1 qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n Fintech."},"content":{"rendered":"<h4><span style=\"color: #723918;\"><strong>B\u00ecnh lu\u1eadn v\u1ec1 qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n Fintech.<\/strong><\/span><\/h4>\n<h5>(Th\u1ea3o lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o Khoa h\u1ecdc qu\u1ed1c t\u1ebf \u201cQu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n Fintech: Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf &amp; h\u00e0m \u00fd \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam\u201d &#8211; Do Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc \u0110\u1ea1i Nam (DNU) t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 19-8-202)5.<\/h5>\n<h5><strong>1. \u0110\u1ecbnh h\u01b0\u1edbng Fintech:<\/strong><\/h5>\n<h6>1.1. Kh\u00e1 nhanh &amp; kh\u00e1 ch\u1eadm:<\/h6>\n<p>Nhanh, l\u00e0 th\u1ef1c t\u1ebf \u0111\u00e3 xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam kh\u00e1 s\u1edbm &amp; ph\u00e1t tri\u1ec3n r\u1ea5t nhanh: Cho vay ngang h\u00e0ng (P2P Lending), Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, tr\u01b0\u1edbc g\u1ecdi l\u00e0 ti\u1ec1n \u1ea3o, t\u1eeb h\u01a1n ch\u1ee5c n\u0103m tr\u01b0\u1edbc. Vi\u1ec7n Fintech c\u1ee7a Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc \u0110\u1ea1i nam \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1eeb 2021 c\u0169ng kh\u00e1 s\u1edbm.<\/p>\n<p>Ch\u1eadm l\u00e0, ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt th\u00ec kh\u00e1 ch\u1eadm. Kh\u00e1c v\u1edbi Sinhapore, \u0110\u00e0i Loan v\u00e0 nhi\u1ec1u n\u01b0\u1edbc kh\u00e1c, c\u00e1i g\u00ec kh\u00f4ng c\u1ea5m th\u00ec c\u1ee9 l\u00e0m, th\u1ef1c t\u1ebf Vi\u1ec7t Nam c\u00e1i g\u00ec kh\u00f4ng c\u1ea5m nh\u01b0ng c\u0169ng kh\u00f4ng n\u00f3i r\u00f5 l\u00e0 cho th\u00ec c\u0169ng \u0111\u01b0\u1ee3c coi nh\u01b0 l\u00e0 c\u1ea5m.<\/p>\n<p>T\u1eeb 7- 10 n\u0103m tr\u01b0\u1edbc \u0111\u00e3 c\u00f3 nhi\u1ec1u v\u0103n b\u1ea3n c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng, b\u1ed9 ng\u00e0nh \u0111\u1ec1 c\u1eadp v\u00e0 th\u00fac gi\u1ee5c, nh\u01b0ng g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 ti\u1ebfn tri\u1ec3n g\u00ec. Ngo\u1ea1i tr\u1eeb c\u00e1c trung gian thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00ed \u0111i\u1ec3m r\u1ea5t th\u00e0nh c\u00f4ng Cho vay ngang h\u00e0ng, Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 g\u1ea7n \u0111\u00e2y m\u1edbi b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c x\u1eed l\u00fd.<\/p>\n<p>\u0110\u00e1ng ti\u1ebfc, \u0111\u1ec1 t\u00e0i khoa h\u1ecdc c\u1ea5p b\u1ed9 t\u1ea1i B\u1ed9 T\u01b0 ph\u00e1p n\u0103m 2018 \u0111\u00e3 \u0111i k\u1ebft k\u1ebft lu\u1eadn khoa h\u1ecdc ph\u00e1p l\u00fd quan tr\u1ecdng: Ti\u1ec1n \u1ea3o kh\u00f4ng ph\u1ea3i t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 (t\u00f4i theo ph\u00eda thi\u1ec3u s\u1ed1 kh\u1eb3ng \u0111\u1ecbnh n\u00f3 l\u00e0 t\u00e0i s\u1ea3n, m\u00e0 c\u1ee5 th\u1ec3 l\u00e0 quy\u1ec1n t\u00e0i s\u1ea3n), n\u00ean t\u1eafc t\u1ef5 &amp; ch\u1ea5m h\u1ebft ph\u00e1p l\u00fd. H\u00f4m nay c\u0169ng thi\u1ebfu \u0111\u1ea1i di\u1ec7n B\u1ed9 T\u01b0 ph\u00e1p &amp; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (ch\u1ec9 c\u00f3 Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng), l\u00e0 nh\u1eefng \u0111\u1ea7u m\u1ed1i quan tr\u1ecdng trong x\u00e2y d\u1ef1ng ph\u00e1p lu\u1eadt &amp; tri\u1ec3n khai fintech.<\/p>\n<p>Nhi\u1ec1u n\u0103m qua, nh\u1eadn th\u1ee9c x\u00e3 h\u1ed9i nghi\u00eang v\u1ec1 ph\u00eda ti\u1ec1n \u1ea3o l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p. Bao nhi\u00eau n\u0103m qua t\u00f4i c\u1ee9 ph\u1ea3i gi\u1ea3i th\u00edch m\u1ecfi m\u1ed3m, \u0111\u1ea7u t\u01b0, kinh doanh ti\u1ec1n \u1ea3o l\u00e0 r\u1ea5t r\u1ee7i ro, n\u1eb1m ngo\u00e0i v\u00f2ng ph\u00e1p lu\u1eadt, nh\u01b0ng kh\u00f4ng h\u1ec1 b\u1ea5t h\u1ee3p ph\u00e1p, ngo\u1ea1i tr\u1eeb duy nh\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n.<\/p>\n<p>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025 v\u1ec1 th\u1eed nghi\u1ec7m fintech ch\u1eadm g\u1ea7n 5 n\u0103m &amp; khi ban h\u00e0nh th\u00ec kh\u00e1 h\u1eb9p, kh\u00e1 r\u1ee5t r\u00e8, d\u00f9 ch\u1ec9 l\u00e0 th\u00ed \u0111i\u1ec3m.\u00a0 T\u00f4i \u0111\u00e3 nhi\u1ec1u l\u1ea7n nghe n\u00f3i ch\u1ed1t r\u1ed3i, \u0111\u1eb7t tr\u00ean b\u00e0n c\u1ee7a Th\u1ee7 t\u01b0\u1edbng \u0111\u1ec3 k\u00fd r\u1ed3i, nh\u01b0ng l\u1ea1i b\u1ecb g\u00e1c l\u1ea1i v\u00ec thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd. Nh\u01b0ng t\u00f4i cho r\u1eb1ng c\u00e1i ch\u00ednh l\u00e0 kh\u00f4ng m\u1ea1nh d\u1ea1n v\u1edbi c\u00e1i m\u1edbi &amp; lo s\u1ee3 r\u1ee7i ro. Trong khi th\u1ef1c t\u1ebf c\u00e0ng s\u1ee3, c\u00e0ng ch\u1eadm th \u00ec c\u00e0ng thi\u1ec7t h\u1ea1i &amp; l\u1ea1i c\u00e0ng nhi\u1ec1u r\u1ee7i ro.<\/p>\n<h6>1.2. Ch\u00ednh s\u00e1ch v\u00e0 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt:<\/h6>\n<p>\u0110\u1ebfn nay \u0111\u00e3 c\u00f3 \u0111\u1ee7 b\u1ed9 Ngh\u1ecb quy\u1ebft c\u1ee7a \u0110\u1ea3ng, Ngh\u1ecb quy\u1ebft &amp; Lu\u1eadt c\u1ee7a Qu\u1ed1c h\u1ed9i, Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 theo h\u01b0\u1edbng t\u00edch c\u1ef1c &amp; th\u1eadn tr\u1ecdng nh\u1eb1m t\u1eebng b\u01b0\u1edbc ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd cho l\u0129nh v\u1ef1c Fintech, v\u1edbi m\u1ee5c ti\u00eau v\u1eeba th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o, v\u1eeba b\u1ea3o \u0111\u1ea3m an to\u00e0n, \u1ed5n \u0111\u1ecbnh cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh &amp; b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<h6>1.3. Nh\u1eefng \u0111\u1ecbnh h\u01b0\u1edbng ch\u00ednh:<\/h6>\n<p>+ X\u00e2y d\u1ef1ng C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (Sandbox) h\u1ee3p t\u00e1c gi\u1eefa Fintech &amp; ng\u00e2n h\u00e0ng.<\/p>\n<p>+ Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP v\u1eeba c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01-7-2025 (ch\u01b0a \u0111\u1ea7y 2 th\u00e1ng) ch\u1ec9 t\u1eadp trung v\u00e0o cho vay ngang h\u00e0ng (P2P Lending), ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng &amp; chia s\u1ebb d\u1eef li\u1ec7u qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf (Open API).<\/p>\n<p>+ Th\u1eed nghi\u1ec7m s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi trong m\u1ed9t ph\u1ea1m vi gi\u1edbi h\u1ea1n, d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>+ Tuy nhi\u00ean c\u00f2n qu\u00e1 r\u1ee5t r\u00e8 &amp; thi\u1ebfu c\u1ee5 th\u1ec3. C\u00f2n ch\u1edd h\u01b0\u1edbng d\u1eabn.<\/p>\n<h6>1.4.\u00a0\u0110i\u1ec3m kh\u00e1 \u0111\u1ed9t ph\u00e1 l\u00e0:<\/h6>\n<p>+ Lu\u1eadt C\u00f4ng nghi\u1ec7p c\u00f4ng ngh\u1ec7 s\u1ed1 2025 (sang n\u0103m 2026 m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c).<\/p>\n<p>+ Ho\u1ea1t \u0111\u1ed9ng fintech trong Trung t\u00e2m t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf s\u1eafp t\u1edbi.<\/p>\n<h6>1.5. M\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c:<\/h6>\n<p>+ B\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n.<\/p>\n<p>+ Ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1.<\/p>\n<p>+ Ph\u00f2ng, ch\u1ed1ng gian l\u1eadn, l\u1eeba \u0111\u1ea3o c\u00f4ng ngh\u1ec7 cao, nh\u1ea5t l\u00e0 tr\u00ean m\u1ea1ng.<\/p>\n<p>+ Th\u00e1ch th\u1ee9c l\u1edbn l\u00e0 lo ng\u1ea1i r\u1ee7i ro, lo s\u1ee3 tr\u00e1ch nhi\u1ec7m. May m\u00e0 \u0111i\u1ec1u n\u00e0y \u0111ang \u0111\u01b0\u1ee3c c\u1edfi tr\u00f3i.<\/p>\n<p>+ Tuy nhi\u00ean c\u00e1i kh\u00f3 th\u00ec v\u1eabn c\u00f2n \u0111\u00f3, v\u1eabn l\u00e0 kh\u00f4ng hi\u1ec3u r\u00f5 th\u00ec r\u1ea5t kh\u00f3 qu\u1ea3n.<\/p>\n<h5><strong>2. Nguy\u00ean t\u1eafc c\u00e2n b\u1eb1ng gi\u1eefa th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o &amp; b\u1ea3o \u0111\u1ea3m an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh:<\/strong><\/h5>\n<p>2.1.\u00a0 Kh\u00f4ng c\u00f2n c\u00e1ch n\u00e0o kh\u00e1c l\u00e0 vi\u1ec7c ph\u1ea3i \u0111\u00e1nh \u0111\u1ed5i, ph\u1ea3i ch\u1ea5p nh\u1eadn l\u0129nh v\u1ef1c m\u1edbi c\u01a1 h\u1ed9i l\u1edbn, r\u1ee7i ro cao. V\u00ec ch\u00fang ta \u0111\u00e3 kh\u00e1 ch\u1eadm n\u00ean c\u1ea7n c\u00e2n l\u1ee3i h\u1ea1i, nh\u01b0ng bu\u1ed9c ph\u1ea3i l\u00e0m nhanh.<\/p>\n<p>2.2. Quy \u0111\u1ecbnh &amp; gi\u00e1m s\u00e1t ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro m\u00e0 m\u1ed9t d\u1ecbch v\u1ee5, s\u1ea3n ph\u1ea9m hay m\u00f4 h\u00ecnh kinh doanh Fintech mang l\u1ea1i.<\/p>\n<p>2.3. C\u00e1c d\u1ecbch v\u1ee5 Fintech c\u00f3 r\u1ee7i ro cao \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng ho\u1eb7c h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh (nh\u01b0 cho vay ngang h\u00e0ng, ti\u1ec1n m\u00e3 h\u00f3a) s\u1ebd ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 v\u1ed1n, qu\u1ea3n tr\u1ecb, v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<p>2.4. Ng\u01b0\u1ee3c l\u1ea1i, c\u00e1c d\u1ecbch v\u1ee5 \u00edt r\u1ee7i ro h\u01a1n (nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, thanh to\u00e1n QR code) c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh linh ho\u1ea1t, \u0111\u01a1n gi\u1ea3n h\u01a1n.<\/p>\n<p>2.5. T\u1eadp trung v\u00e0o ch\u1ee9c n\u0103ng, thay v\u00ec lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p. Kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng, kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn \u0111\u01b0\u1ee3c l\u00e0m m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng nh\u01b0 cho vay, trung gian thanh to\u00e1n.<\/p>\n<h5><strong>3. Tranh ch\u1ea5p ph\u1ed5 bi\u1ebfn:<\/strong><\/h5>\n<p>3.1. Cho vay ngang h\u00e0ng: L\u00e3i su\u1ea5t, ph\u00ed d\u1ecbch v\u1ee5, v\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3.<\/p>\n<p>3.2. Tranh ch\u1ea5p v\u1ec1 v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 thanh to\u00e1n di \u0111\u1ed9ng: Giao d\u1ecbch kh\u00f4ng th\u00e0nh c\u00f4ng, l\u1ed7i h\u1ec7 th\u1ed1ng, b\u1ecb m\u1ea5t ti\u1ec1n, l\u1ed9 th\u00f4ng tin t\u00e0i kho\u1ea3n, v\u00e0 c\u00e1c v\u1ee5 l\u1eeba \u0111\u1ea3o qua v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n<p>3.3. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn ti\u1ec1n m\u00e3 h\u00f3a v\u00e0 t\u00e0i s\u1ea3n s\u1ed1: \u0110\u1ea7u t\u01b0, mua b\u00e1n, m\u1ea5t v\u00e0 l\u1eeba \u0111\u1ea3o .<\/p>\n<p>3.4. Tranh ch\u1ea5p v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0: R\u00f2 r\u1ec9, s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch, ho\u1eb7c b\u1ecb \u0111\u00e1nh c\u1eafp.<\/p>\n<p>3.5. T\u00f2a \u00e1n s\u1ebd kh\u00f3 kh\u0103n trong vi\u1ec7c \u00e1p d\u1ee5ng lu\u1eadt v\u00e0 \u0111\u01b0a ra ph\u00e1n quy\u1ebft.<\/p>\n<p>3.6. Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i s\u1eb5n s\u00e0ng, v\u00ec c\u00f3 \u0111\u1ee7 chuy\u00ean gia v\u00e0 do c\u00e1c b\u00ean l\u1ef1a ch\u1ecdn. V\u00ed d\u1ee5, c\u00e1c b\u00ean ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u00e0ng ch\u1ee5c chuy\u00ean gia, gi\u00e1o s\u01b0, ti\u1ebfn s\u0129 am hi\u1ec3u v\u1ec1 fintech \u0111ang ng\u1ed3i trong h\u1ed9i tr\u01b0\u1eddng n\u00e0y \u0111\u1ec3 l\u00e0m Tr\u1ecdng t\u00e0i bi\u00ean gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.<\/p>\n<h5><strong><em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">Lu\u1eadt s\u01b0\u00a0<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <span style=\"color: #723918;\"><a style=\"color: #723918;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/span>, <\/em><\/strong><strong><em>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong><\/h5>\n<p><em>(1.157)<\/em><em>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/em>","protected":false},"excerpt":{"rendered":"<p>B\u00ecnh lu\u1eadn v\u1ec1 qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n Fintech. (Th\u1ea3o lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o Khoa h\u1ecdc qu\u1ed1c t\u1ebf \u201cQu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n Fintech: Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf &amp; h\u00e0m \u00fd \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam\u201d &#8211; Do Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc \u0110\u1ea1i Nam (DNU) t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 19-8-202)5. 1. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":48903,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[43],"class_list":["post-48544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media","tag-luat-su-thuong-mai-dien-tu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>448. 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