{"id":4919,"date":"2013-03-06T23:46:41","date_gmt":"2013-03-06T16:46:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4919"},"modified":"2024-11-04T16:05:02","modified_gmt":"2024-11-04T09:05:02","slug":"156-bo-luat-dan-su-va-su-loi-thoi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/","title":{"rendered":"156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi."},"content":{"rendered":"

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.<\/span><\/h4>\n
(TBNH) – \u0110\u1eddi s\u1ed1ng c\u1ee7a m\u1ecdi DN v\u00e0 ng\u01b0\u1eddi d\u00e2n ch\u1ecbu t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn tr\u01b0\u1edbc c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 (BLDS). Tuy nhi\u00ean, hi\u1ec7n nay nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai, kh\u00f4ng \u00edt h\u1ee3p \u0111\u1ed3ng kinh doanh r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng r\u1ee7i ro v\u00ec b\u1ecb v\u00f4 hi\u1ec7u.<\/strong><\/h5>\n
\u201cL\u1ed7i th\u1eddi\u201d ch\u1ed1ng l\u1ea1i th\u1ef1c t\u1ebf<\/strong><\/h5>\n

S\u1ef1 \u201cl\u1ed7i th\u1eddi\u201d c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh \u201cn\u1ea1n nh\u00e2n\u201d ph\u1ea1m lu\u1eadt. \u0110\u01a1n c\u1eed nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay, n\u1ebfu c\u1ee9 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a BLDS (c\u00e1c \u0111i\u1ec1u 305, 404, 576, 709), th\u00ec l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a trong h\u01a1n 2 n\u0103m qua ch\u1ec9 l\u00e0 13,5%\/n\u0103m, c\u00f2n th\u1ea5p h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng trong m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m l\u00e0 14%\/n\u0103m.<\/p>\n

Th\u1ef1c t\u1ebf h\u1ea7u h\u1ebft vi\u1ec7c cho vay \u0111\u1ec1u v\u01b0\u1ee3t xa tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y. \u0110\u00e2y l\u00e0 nh\u1eefng quy \u0111\u1ecbnh tr\u00e1i kho\u00e1y, ch\u1ed1ng l\u1ea1i th\u1ef1c t\u1ebf cu\u1ed9c s\u1ed1ng, cho n\u00ean c\u0169ng b\u1ecb vi ph\u1ea1m m\u1ed9t c\u00e1ch ph\u1ed5 bi\u1ebfn nh\u1ea5t, ngang nhi\u00ean nh\u1ea5t. \u0110\u1ed1i v\u1edbi giao d\u1ecbch vay m\u01b0\u1ee3n ngo\u00e0i ng\u00e0nh Ng\u00e2n h\u00e0ng, th\u00ec gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t c\u1ee7a BLDS c\u00f2n vi\u1ec3n v\u00f4ng h\u01a1n nhi\u1ec1u.<\/p>\n

\"B\u1ed9

Lu\u1eadt ph\u00e1p kh\u00f4ng r\u00f5 r\u00e0ng \u0111\u00e3 g\u00e2y ra h\u00e0ng lo\u1ea1t v\u1ee5 tranh ch\u1ea5p gi\u1eefa ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ea1i c\u00e1c khu chung c\u01b0<\/p><\/div>\n

Hay h\u00e0ng lo\u1ea1t c\u00e1c v\u1ee5 tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn nh\u00e0 chung c\u01b0 x\u1ea3y ra g\u1ea7n \u0111\u00e2y, \u201cth\u1ee7 ph\u1ea1m\u201d c\u0169ng ch\u00ednh l\u00e0 do BLDS kh\u00f4ng th\u1eadt r\u00f5, cho n\u00ean \u0111\u00e3 t\u1ea1o ra cu\u1ed9c chi\u1ebfn ph\u00e1p l\u00fd dai d\u1eb3ng b\u1ea5t ph\u00e2n th\u1eafng b\u1ea1i, g\u00e2y b\u1ea5t l\u1ee3i cho ng\u01b0\u1eddi mua nh\u00e0, \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, b\u00ean y\u1ebfu th\u1ebf.<\/p>\n

Lu\u1eadt kh\u00f4ng r\u00f5 g\u00e2y ra r\u1ee7i ro ph\u00e1p l\u00fd<\/strong><\/h5>\n

Ph\u00e1p lu\u1eadt \u0111\u1ecbnh ra nguy\u00ean t\u1eafc t\u00e0i s\u1ea3n c\u1ee7a v\u1ee3 ch\u1ed3ng c\u00f3 trong th\u1eddi k\u1ef3 h\u00f4n nh\u00e2n l\u00e0 s\u1edf h\u1eefu chung, nh\u01b0ng l\u1ea1i thi\u1ebfu c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 th\u1ee7 t\u1ee5c, c\u00e1ch th\u1ee9c c\u1ea7n thi\u1ebft \u0111\u1ec3 ki\u1ec3m so\u00e1t vi\u1ec7c \u0111\u00f3, d\u1eabn \u0111\u1ebfn giao d\u1ecbch d\u00e2n s\u1ef1 tr\u00ean th\u1ef1c t\u1ebf v\u1ec1 t\u00e0i s\u1ea3n li\u00ean quan v\u1ee3 ch\u1ed3ng g\u1eb7p nhi\u1ec1u r\u1eafc r\u1ed1i, r\u1ee7i ro ph\u00e1p l\u00fd.<\/p>\n\n\n\n
BLDS kh\u00f4ng \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c t\u00ednh th\u1ed1ng nh\u1ea5t \u0111\u1ed1i v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng tranh ch\u1ea5p kh\u00f4ng \u0111\u00e1ng c\u00f3 ho\u1eb7c c\u00e1ch \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt kh\u00f4ng nh\u1ea5t qu\u00e1n, khi\u1ebfn cho nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.<\/em><\/p>\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, BLDS \u0111\u01b0a ra nh\u1eefng c\u0103n c\u1ee9 c\u1ea3m t\u00ednh, kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng d\u1ea5u hi\u1ec7u c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd?<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u1ed5 phi\u1ebfu, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c, th\u1ebb ti\u1ebft ki\u1ec7m, v\u00e0ng, ti\u1ec1n g\u1eedi,\u2026 l\u00e0 t\u00e0i s\u1ea3n chung c\u1ee7a v\u1ee3 ch\u1ed3ng, nh\u01b0ng l\u1ea1i ch\u1ec9 c\u1ea7n m\u1ed9t ng\u01b0\u1eddi \u0111\u1ecbnh \u0111o\u1ea1t. \u0110i\u1ec1u n\u00e0y c\u0169ng d\u1eabn \u0111\u1ebfn nguy c\u01a1 v\u00f4 hi\u1ec7u c\u00e1c giao d\u1ecbch k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

BLDS c\u0169ng quy \u0111\u1ecbnh \u201cH\u1ee3p \u0111\u1ed3ng kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 vi ph\u1ea1m v\u1ec1 h\u00ecnh th\u1ee9c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.\u201d T\u1ee9c l\u00e0, B\u1ed9 lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u n\u1ebfu nh\u01b0 vi ph\u1ea1m v\u1ec1 h\u00ecnh th\u1ee9c, nh\u01b0ng v\u00ec quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng, cho n\u00ean tr\u00ean th\u1ef1c t\u1ebf r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 b\u1ecb To\u00e0 \u00e1n tuy\u00ean v\u00f4 hi\u1ec7u ch\u1ec9 v\u00ec vi ph\u1ea1m v\u1ec1 h\u00ecnh th\u1ee9c.<\/p>\n

Nh\u1eefng b\u1ea5t c\u1eadp c\u00f2n t\u1ed3n t\u1ea1i kh\u00f4ng \u00edt trong BLDS, v\u00f4 t\u00ecnh \u0111\u00e3 ti\u1ebfp tay cho nh\u1eefng k\u1ebb giao d\u1ecbch l\u1eadt l\u1ecdng, b\u1ed9i \u01b0\u1edbc, th\u1eadm ch\u00ed ph\u1ea1m t\u1ed9i, b\u1eb1ng quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t, nh\u01b0ng l\u1ea1i v\u00f4 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p. B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ea7u h\u1ebft \u0111\u1ec1u hi\u1ec3u nh\u1ea7m l\u1eabn, \u0111\u00e3 d\u1eabn \u0111\u1ebfn tuy\u00ean m\u1ecdi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t n\u1ebfu kh\u00f4ng c\u00f4ng ch\u1ee9ng ho\u1eb7c kh\u00f4ng \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p th\u00ec \u0111\u1ec1u l\u00e0 v\u00f4 hi\u1ec7u, d\u00f9 kh\u00f4ng h\u1ec1 c\u00f3 li\u00ean quan \u0111\u1ebfn b\u00ean th\u1ee9 ba.<\/p>\n

Lu\u1eadt b\u1ea5t c\u1eadp, l\u00e0m \u0111\u00fang th\u00e0nh sai<\/strong><\/h5>\n

\u0110\u1eb7c bi\u1ec7t BLDS \u0111\u00e3 g\u00e2y ra kh\u00f4ng \u00edt r\u1ee7i ro ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u1ebf \u0111\u1ecbnh giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, th\u1ebf ch\u1ea5p nh\u00e0 \u1edf v\u00e0 \u0111\u1ea5t \u0111ai c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n, vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c: H\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch r\u1ea5t ph\u1ed5 bi\u1ebfn v\u00e0 h\u1ee3p ph\u00e1p, h\u1ee3p l\u00fd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf \u0111ang x\u1ea3y ra m\u00e2u thu\u1eabn v\u00e0 nguy c\u01a1 r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i do vi\u1ec7c hi\u1ec3u sai nh\u1eefng quy \u0111\u1ecbnh thi\u1ebfu r\u00f5 r\u00e0ng trong BLDS.<\/p>\n

Do v\u1eady, BLDS c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i t\u1ed5ng th\u1ec3 v\u00e0 c\u01a1 b\u1ea3n, v\u00ec \u0111\u00e3 b\u1ed9c l\u1ed9 qu\u00e1 nhi\u1ec1u h\u1ea1n ch\u1ebf, b\u1ea5t c\u1eadp, \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng kinh doanh v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n\n\n\n
BLDS \u0111ang ch\u1ed3ng ch\u00e9o, m\u00e2u thu\u1eabn v\u00e0 xung \u0111\u1ed9t v\u1edbi b\u1ed9 lu\u1eadt v\u00e0 ph\u00e1p lu\u1eadt kh\u00e1c nh\u01b0 ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i, Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt C\u00f4ng ch\u1ee9ng, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u1edbi Lu\u1eadt Nh\u00e0 \u1edf, Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3, Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

N\u1ebfu ti\u1ebfp t\u1ee5c r\u00e0 so\u00e1t th\u00ec c\u00f3 th\u1ec3 th\u1ea5y c\u00f2n nhi\u1ec1u xung \u0111\u1ed9t n\u1eefa gi\u1eefa Lu\u1eadt D\u00e2n s\u1ef1 v\u1edbi c\u00e1c lu\u1eadt c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c d\u00e2n s\u1ef1 nh\u01b0 v\u0103n h\u00f3a, gi\u00e1o d\u1ee5c, y t\u1ebf, khoa h\u1ecdc c\u00f4ng ngh\u1ec7, t\u00e0i ch\u00ednh, th\u1ec3 thao, du l\u1ecbch, th\u00f4ng tin – truy\u1ec1n th\u00f4ng… k\u1ec3 c\u1ea3 l\u0129nh v\u1ef1c h\u00ecnh s\u1ef1, h\u00e0nh ch\u00ednh v\u00e0 t\u1ed5 ch\u1ee9c b\u1ed9 m\u00e1y nh\u00e0 n\u01b0\u1edbc, c\u00e1c quan h\u1ec7 t\u1ed1 t\u1ee5ng, quan h\u1ec7 \u0111\u1ea7u t\u01b0 v\u00e0 h\u1ee3p t\u00e1c qu\u1ed1c t\u1ebf.<\/em><\/p>\n

PGS., TS Lu\u1eadt gia Chu H\u1ed3ng Thanh<\/strong> – Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

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>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

——<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng 06-3-2013:<\/em><\/strong><\/p>\n

http:\/\/www.thoibaonganhang.vn\/tin-tuc\/1-bo-luat-dan-su-va-su-loi-thoi-7361.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. (TBNH) – \u0110\u1eddi s\u1ed1ng c\u1ee7a m\u1ecdi DN v\u00e0 ng\u01b0\u1eddi d\u00e2n ch\u1ecbu t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn tr\u01b0\u1edbc c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 (BLDS). Tuy nhi\u00ean, hi\u1ec7n nay nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o […]<\/p>\n","protected":false},"author":7,"featured_media":4920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2013-03-06T16:46:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-04T09:05:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png\" \/>\n\t<meta property=\"og:image:width\" content=\"439\" \/>\n\t<meta property=\"og:image:height\" content=\"202\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.\",\"datePublished\":\"2013-03-06T16:46:41+00:00\",\"dateModified\":\"2024-11-04T09:05:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/\"},\"wordCount\":1592,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-30-at-23.51.17.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 D\u00e2n s\u1ef1\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"B\u00e0i vi\u1ebft\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/\",\"name\":\"[:vi]156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-30-at-23.51.17.png\",\"datePublished\":\"2013-03-06T16:46:41+00:00\",\"dateModified\":\"2024-11-04T09:05:02+00:00\",\"description\":\"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-30-at-23.51.17.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-30-at-23.51.17.png\",\"width\":439,\"height\":202,\"caption\":\"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/156-bo-luat-dan-su-va-su-loi-thoi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\",\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\"},\"sameAs\":[\"http:\\\/\\\/hangtt\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/hangtt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.[:] - ANVI Law Firm","description":"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.[:] - ANVI Law Firm","og_description":"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...","og_url":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2013-03-06T16:46:41+00:00","article_modified_time":"2024-11-04T09:05:02+00:00","og_image":[{"width":439,"height":202,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png","type":"image\/png"}],"author":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"6 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/"},"author":{"name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c"},"headline":"156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.","datePublished":"2013-03-06T16:46:41+00:00","dateModified":"2024-11-04T09:05:02+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/"},"wordCount":1592,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png","keywords":["Lu\u1eadt s\u01b0 D\u00e2n s\u1ef1","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["B\u00e0i vi\u1ebft","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/","url":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/","name":"[:vi]156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi.[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png","datePublished":"2013-03-06T16:46:41+00:00","dateModified":"2024-11-04T09:05:02+00:00","description":"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi. Nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y \u0111ang khi\u1ebfn c\u00e1c NHTM kh\u00f4ng \u00edt l\u1ea7n r\u01a1i v\u00e0o c\u1ea3nh kh\u00f4ng bi\u1ebft l\u00e0m \u0111\u00fang hay sai...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-30-at-23.51.17.png","width":439,"height":202,"caption":"B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi."},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/156-bo-luat-dan-su-va-su-loi-thoi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"156. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 s\u1ef1 l\u1ed7i th\u1eddi."}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c","name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thu H\u1eb1ng"},"sameAs":["http:\/\/hangtt"],"url":"https:\/\/anvilaw.com\/vi\/author\/hangtt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=4919"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4919\/revisions"}],"predecessor-version":[{"id":43312,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4919\/revisions\/43312"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/4920"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=4919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=4919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=4919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}