{"id":4937,"date":"2011-11-06T00:19:06","date_gmt":"2011-11-05T17:19:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4937"},"modified":"2024-11-04T17:08:27","modified_gmt":"2024-11-04T10:08:27","slug":"148a-lai-suat-20-la-cao-hay-thap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/148a-lai-suat-20-la-cao-hay-thap\/","title":{"rendered":"148A. L\u00e3i su\u1ea5t 20% l\u00e0 cao hay th\u1ea5p?"},"content":{"rendered":"<h4><span style=\"color: #723918;\">L\u00e3i su\u1ea5t 20% l\u00e0 cao hay th\u1ea5p?<\/span><\/h4>\n<h5><strong>(ANVI) &#8211; Kh\u00f4ng k\u1ec3 m\u1ed9t s\u1ed1 hi\u1ec7n t\u01b0\u1ee3ng ngo\u1ea1i l\u1ec7, nh\u00ecn chung l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111ang ti\u1ebfn \u0111\u1ebfn m\u1ed1c 20% v\u00e0 l\u00e3i su\u1ea5t cho vay th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u00e3 b\u1ecf xa m\u1ed1c \u0111\u00f3. T\u1ea1i sao l\u00e3i su\u1ea5t cao v\u00e0 v\u00ec \u0111\u00e2u ch\u01b0a h\u1ea1 \u0111\u01b0\u1ee3c nh\u1eefng con s\u1ed1 ng\u1ea5t ng\u01b0\u1edfng \u0111\u00f3? Th\u00eam m\u1ed9t g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, m\u1ed9t chuy\u00ean gia ng\u00e2n h\u00e0ng.<\/strong><\/h5>\n<p>L\u1ea1m ph\u00e1t 5 th\u00e1ng \u0111\u1ea7u n\u0103m \u0111\u00e3 tr\u00ean 12%, nh\u01b0ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111\u1ed3ng Vi\u1ec7t Nam v\u1eabn gi\u1eef \u1edf m\u1ee9c tr\u1ea7n 14%\/n\u0103m v\u00e0 \u0111ang \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 cho g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c k\u1ef3 h\u1ea1n. C\u1ea3 ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u1ec1u bi\u1ebft, l\u00e3i su\u1ea5t th\u1eadt kh\u00f4ng ph\u1ea3i nh\u01b0 v\u1eady, m\u00e0 \u0111\u00e3 l\u00ean t\u1edbi 17 &#8211; 18%, th\u1eadm ch\u00ed l\u00e0 22 &#8211; 23%. Nh\u01b0 v\u1eady, \u201cc\u01a1n s\u00f3ng\u201d l\u00e3i su\u1ea5t c\u00f2n l\u00e2u m\u1edbi cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) tr\u1edf v\u1ec1 m\u1ed1c gi\u1edbi cho ph\u00e9p. T\u1ea5t nhi\u00ean, ng\u01b0\u1eddi ta ph\u1ea3i d\u00f9ng tr\u0103m ph\u01b0\u01a1ng, v\u1ea1n k\u1ebf, ngh\u00ecn m\u01b0u \u0111\u1ec3 tho\u00e1t kh\u1ecfi c\u00e1i ng\u01b0\u1ee1ng \u201csinh t\u1eed\u201d \u1ea5y. Trong l\u00fac ng\u01b0\u1eddi vay ti\u1ec1n than tr\u1eddi, k\u00eau \u0111\u1ea5t v\u00ec l\u00e3i cao, th\u00ec ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u1eabn \u0111ang nu\u00f4i hy v\u1ecdng s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn l\u00e3i cao h\u01a1n n\u1eefa trong t\u01b0\u01a1ng lai. Trong t\u00ecnh c\u1ea3nh \u0111\u00f3, ng\u00e2n h\u00e0ng \u0111ang b\u1ecb gi\u1eb1ng x\u00e9 gi\u1eefa hai b\u00ean, v\u1eeba lo l\u00f4i k\u00e9o \u0111\u01b0\u1ee3c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u1edbi m\u1ee9c l\u00e3i ni\u00eam y\u1ebft qu\u00e1 th\u1ea5p, v\u1eeba lo gi\u1eef \u0111\u01b0\u1ee3c ng\u01b0\u1eddi vay v\u1edbi m\u1ee9c l\u00e3i qu\u00e1 cao. Ng\u00e2n h\u00e0ng c\u00f2n lo ng\u1ea1i \u0111\u1ed1i ph\u00f3 v\u1edbi ch\u00ednh m\u00ecnh, \u0111\u00f3 l\u00e0 vi\u1ec7c ch\u1ebf bi\u1ebfn s\u1ed5 s\u00e1ch sao cho sai m\u00e0 ph\u1ea3i \u0111\u00fang, l\u00e0 vi\u1ec7c l\u00e0m sao \u0111\u1ec3 c\u00e1n b\u1ed9 kh\u00f4ng l\u1ee3i d\u1ee5ng t\u00ecnh th\u1ebf hai gi\u00e1 m\u00e0 ki\u1ebfm ch\u00e1c. B\u1edfi kh\u00e1ch h\u00e0ng n\u00e0o bi\u1ebft th\u00ec m\u1eb7c c\u1ea3 th\u00eam m\u1ed9t v\u00e0i % l\u00e3i su\u1ea5t (kh\u00f4ng th\u1ec3 hi\u1ec7n tr\u00ean s\u1ed5 s\u00e1ch) tu\u1ef3 theo s\u1ed1 ti\u1ec1n v\u00e0 k\u1ef3 h\u1ea1n g\u1eedi, c\u00f2n ng\u01b0\u1eddi kh\u00f4ng bi\u1ebft th\u00ec v\u1eabn ch\u1ec9 h\u01b0\u1edfng \u0111\u00fang 14% theo c\u00f4ng b\u1ed1.<\/p>\n<p>L\u1ea1m ph\u00e1t n\u0103m nay \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o l\u1ea1c quan nh\u1ea5t c\u0169ng ph\u1ea3i tr\u00ean 15%, th\u00ec l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee9 \u00e2m th\u1ea7m ti\u1ebfn t\u1edbi 20% l\u00e0 ho\u00e0n to\u00e0n c\u00f3 l\u00fd. C\u00e1c chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng, mu\u1ed1n gi\u1ea3m l\u1ea1m ph\u00e1t, th\u00ec v\u1ec1 nguy\u00ean l\u00fd, ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, \u00edt nh\u1ea5t l\u00e0 cao h\u01a1n k\u1ef3 v\u1ecdng l\u1ea1m ph\u00e1t, t\u1ee9c g\u1ea7n v\u1edbi t\u1ef7 l\u1ec7 20%. Trong qu\u00e1 kh\u1ee9, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 x\u1ea3y ra nhi\u1ec1u l\u1ea7n, v\u00ed d\u1ee5 tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng n\u0103m 1991 l\u00e0 42%\/n\u0103m, \u0111\u1eb7c bi\u1ec7t n\u0103m 1989 l\u00ean t\u1edbi 144%. \u0110\u01b0\u01a1ng nhi\u00ean l\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao th\u00ec cho vay c\u0169ng cao, ch\u1eb3ng h\u1ea1n n\u0103m 1991 l\u00e0 72%\/n\u0103m, c\u00f2n n\u0103m 1987 \u0111\u00e3 l\u00ean \u0111\u1ebfn 119%\/n\u0103m. Khi \u0111\u00f3, ch\u1ec9 doanh nghi\u1ec7p (DN) n\u00e0o l\u00e0m \u0103n th\u1eadt hi\u1ec7u qu\u1ea3, m\u1edbi ti\u1ebfp t\u1ee5c vay v\u1ed1n, c\u00f2n kh\u00f4ng th\u00ec bu\u1ed9c ph\u1ea3i t\u1ea1m th\u1eddi d\u1eebng l\u1ea1i. \u0110\u00f3 l\u00e0 quy lu\u1eadt t\u1ea5t y\u1ebfu c\u1ee7a c\u1ea1nh tranh, c\u1ee7a quy lu\u1eadt cung c\u1ea7u trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. N\u1ebfu \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 \u0111i\u1ec1u ch\u1ec9nh v\u00e0 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t, n\u00f3 s\u1ebd l\u00ean \u201ch\u1ebft c\u1ee1\u201d theo k\u1ef3 v\u1ecdng l\u1ea1m ph\u00e1t, r\u1ed3i s\u1ebd nhanh ch\u00f3ng quay v\u1ec1 quanh \u0111\u00fang ch\u1ed7 c\u1ee7a n\u00f3. C\u00f2n n\u1ebfu c\u1ee9 \u201c\u0111\u00e8 n\u00e9n\u201d n\u00f3, kh\u00f4ng \u0111\u1ec3 n\u00f3 \u201cth\u1edf\u201d theo cu\u1ed9c s\u1ed1ng, th\u00ec ch\u1eb3ng bi\u1ebft n\u00f3 s\u1ebd b\u00f9ng nh\u00f9ng \u0111\u1ebfn bao gi\u1edd n\u1eefa. C\u00e1i g\u00ec thu\u1ed9c v\u1ec1 quy lu\u1eadt t\u1ea5t y\u1ebfu m\u00e0 c\u1ee9 b\u1ecb ng\u0103n c\u1ea5m, th\u00ec n\u00f3 \u201cl\u00e1ch\u201d theo con \u0111\u01b0\u1eddng ri\u00eang, kh\u00f3 kh\u0103n h\u01a1n, t\u00f9 m\u00f9 h\u01a1n, kh\u00f3 v\u1ec1 \u0111\u00edch h\u01a1n. L\u1ee5t v\u00ec m\u01b0a to \u00e0o xu\u1ed1ng, n\u01b0\u1edbc s\u1ebd r\u00fat nhanh, c\u00f2n l\u1ee5t v\u00ec m\u01b0a d\u1ea7m th\u00ec \u0111\u00e2u c\u00f2n ch\u1ed7 cho n\u01b0\u1edbc r\u00fat.<\/p>\n<p>Vi\u1ec7c DN ph\u00e0n n\u00e0n r\u1eb1ng l\u00e3i su\u1ea5t cao, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh, th\u1eadm ch\u00ed \u0111\u1ee9ng b\u00ean b\u1edd v\u1ef1c ph\u00e1 s\u1ea3n l\u00e0 \u0111\u00fang. Nh\u01b0ng kh\u00f4ng ch\u1ec9 DN ch\u1ebft, c\u00f2n ng\u00e2n h\u00e0ng l\u1ee3i, m\u00e0 ch\u00ednh ng\u00e2n h\u00e0ng c\u0169ng ch\u1ebft \u0111\u00fang \u1edf ch\u1ed7 l\u00e3i su\u1ea5t cao \u1ea5y. Mua \u201ch\u00e0ng\u201d gi\u00e1 th\u1ea5p, b\u00e1n ch\u1ea1y, gi\u00e1 \u201cm\u1ec1m\u201d, quay v\u00f2ng nhanh, d\u1ec5 thu h\u1ed3i v\u1ed1n ch\u1ea3 h\u01a1n mua cao, b\u00e1n \u00ec \u1ea1ch, gi\u00e1 c\u1eaft c\u1ed5, \u1ee9 \u0111\u1ecdng v\u1ed1n, n\u1ee3 kh\u00ea \u0111\u1ecdng \u01b0?<\/p>\n<p>C\u00f2n vi\u1ec7c cho r\u1eb1ng, DN vay c\u1ee7a ng\u00e2n h\u00e0ng tr\u00ean 20% n\u00ean ph\u1ea3i c\u00f3 l\u00e3i t\u1ed1i thi\u1ec3u 30% m\u1edbi s\u1ed1ng \u0111\u01b0\u1ee3c th\u00ec l\u1ea1i kh\u00f4ng h\u1eb3n nh\u01b0 v\u1eady. DN ch\u1ebft l\u00e0 do m\u1ecdi th\u1ee9 \u201cnu\u00f4i d\u01b0\u1ee1ng\u201d n\u00f3 \u0111\u1ec1u \u0111\u1eaft, trong \u0111\u00f3 c\u00f3 m\u1ed9t ph\u1ea7n l\u00e0 l\u00e3i vay. Gi\u00e1 v\u1ed1n vay ch\u1ec9 chi\u1ebfm kho\u1ea3ng 20% tr\u1edf xu\u1ed1ng trong t\u1ed5ng chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a DN. Nh\u01b0 v\u1eady, n\u1ebfu v\u1ed1n \u0111\u1eaft h\u01a1n 1,5 l\u1ea7n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, th\u00ec chi ph\u00ed v\u1ed1n vay c\u0169ng ch\u1ec9 t\u0103ng l\u00ean v\u00e0i ph\u1ea7n tr\u0103m, ch\u1ee9 \u0111\u00e2u c\u00f3 ph\u1ea3i \u0111\u1ed9i l\u00ean 50% chi ph\u00ed. DN c\u00f3 r\u1ea5t nhi\u1ec1u chi ph\u00ed \u0111\u1ea7u v\u00e0o nh\u01b0: Nh\u00e0 x\u01b0\u1edfng, m\u00e1y m\u00f3c thi\u1ebft b\u1ecb, nguy\u00ean v\u1eadt li\u1ec7u, x\u0103ng d\u1ea7u, \u0111i\u1ec7n n\u01b0\u1edbc, nh\u00e2n c\u00f4ng, thu\u1ebf, l\u1ec7 ph\u00ed,\u2026 Ch\u1ec9 DN n\u00e0o c\u00f3 chi ph\u00ed l\u00e3i vay chi\u1ebfm ph\u1ea7n l\u1edbn chi ph\u00ed \u0111\u1ea7u v\u00e0o th\u00ec m\u1edbi ch\u1ebft v\u00ec l\u00e3i su\u1ea5t cao. N\u1ebfu s\u1ed1ng d\u1ef1a ho\u00e0n to\u00e0n v\u00e0o v\u1ed1n vay, kh\u00f4ng c\u00f3 ngu\u1ed3n t\u00e0i s\u1ea3n v\u00e0 ngu\u1ed3n v\u1ed1n kh\u00e1c, th\u00ec chuy\u1ec7n \u0111\u00f3ng c\u1eeda tr\u01b0\u1edbc \u201cc\u01a1n s\u00f3ng th\u1ea7n\u201d l\u00e3i su\u1ea5t l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean.<\/p>\n<p>N\u1ebfu l\u00e0m bao nhi\u00eau l\u00e3i ch\u1ec9 \u0111\u1ec3 nu\u00f4i ng\u00e2n h\u00e0ng, th\u00ec c\u00f3 g\u00ec \u201coan \u1ee9c\u201d kh\u00f4ng? \u0110\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 ngh\u1ecbch l\u00fd v\u00e0 c\u0169ng kh\u00f4ng ph\u1ea3i l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc khi nu\u00f4i \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng th\u00ec DN \u0111\u00e3 ph\u1ea3i nu\u00f4i \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean, nu\u00f4i \u0111\u01b0\u1ee3c nh\u00e0 cung c\u1ea5p, nh\u00e0 ph\u00e2n ph\u1ed1i v\u00e0 n\u00f3i chung l\u00e0 nu\u00f4i \u0111\u01b0\u1ee3c doanh nghi\u1ec7p. C\u00f2n ng\u00e2n h\u00e0ng c\u0169ng quay tr\u1edf l\u1ea1i nu\u00f4i DN, nu\u00f4i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, trong \u0111\u00f3 c\u0169ng c\u00f3 nhi\u1ec1u DN g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng h\u01b0\u1edfng l\u00e3i cao. DN v\u00e0 ng\u00e2n h\u00e0ng nh\u01b0 hai c\u01a1 th\u1ec3 c\u1ed9ng sinh, s\u1ed1ng d\u1ef1a v\u00e0o nhau, b\u00ean n\u00e0y ch\u1ebft th\u00ec b\u00ean kia c\u0169ng kh\u00f3 s\u1ed1ng. N\u1ebfu DN ch\u1ebft tr\u01b0\u1edbc, th\u00ec r\u1ed3i \u0111\u1ebfn l\u01b0\u1ee3t ng\u00e2n h\u00e0ng s\u1ebd ch\u1ebft sau, ch\u1ee9 \u0111\u1eebng mong ng\u00e2n h\u00e0ng c\u00f9ng ch\u1ebft. N\u1ebfu c\u1ea3 hai c\u00f9ng ch\u1ebft th\u00ec s\u1ebd l\u00e0 m\u1ed9t \u0111\u1ea1i ho\u1ea1, s\u1ebd kh\u00f3 mong \u0111\u1ebfn ng\u00e0y h\u1ed3i sinh.<\/p>\n<p>V\u00e0 DN l\u1edbn hay nh\u1ecf c\u0169ng s\u1ebd ch\u1ecbu \u1ea3nh h\u01b0\u1edfng nh\u01b0 nhau tr\u01b0\u1edbc vi\u1ec7c l\u00e3i su\u1ea5t cao, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 ch\u1ebft DN nh\u1ecf. DN n\u00e0o vay nhi\u1ec1u th\u00ec kh\u00f3 kh\u0103n nhi\u1ec1u h\u01a1n. Tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u h\u1ebft DN l\u1edbn \u0111\u1ec1u \u0111i vay, trong khi \u0111\u00f3 c\u00f3 nhi\u1ec1u DN v\u1eeba v\u00e0 nh\u1ecf h\u1ea7u nh\u01b0 kh\u00f4ng ph\u1ea3i \u0111i vay, m\u00e0 ch\u1ec9 kinh doanh, s\u1ea3n xu\u1ea5t trong quy m\u00f4 v\u1ed1n c\u1ee7a m\u00ecnh. Ho\u1eb7c n\u1ebfu ch\u1ec9 ph\u1ee5 thu\u1ed9c \u00edt v\u00e0o v\u1ed1n vay ng\u00e2n h\u00e0ng, th\u00ec l\u00e3i su\u1ea5t t\u0103ng 50%, h\u1ecd c\u0169ng ch\u1ec9 thu h\u1eb9p s\u1ea3n xu\u1ea5t 15-20 % ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u00f3ng c\u1eeda. L\u1ea1m ph\u00e1t t\u0103ng cao th\u00ec t\u1ea5t c\u1ea3 \u0111\u1ec1u ph\u1ea3i co l\u1ea1i, t\u1eeb ng\u01b0\u1eddi d\u00e2n, DN cho \u0111\u1ebfn ng\u00e2n h\u00e0ng, ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec ng\u01b0\u1eddi \u0111i vay v\u1ed1n.<\/p>\n<p>V\u00ec v\u1eady, n\u1ebfu mu\u1ed1n c\u1ee9u DN b\u1eb1ng c\u00e1ch kh\u1ed1ng ch\u1ebf c\u1ea3 tr\u1ea7n l\u00e3i su\u1ea5t cho vay th\u00ec c\u0169ng ch\u1eb3ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u00e0i to\u00e1n l\u00e3i su\u1ea5t m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t, m\u00e0 ch\u1ec9 l\u00e0m r\u1eafc r\u1ed1i th\u00eam v\u1ea5n \u0111\u1ec1. Nh\u1eefng ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady, n\u1ebfu c\u00f3, s\u1ebd g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, tr\u01b0\u1edbc h\u1ebft cho ng\u00e0nh Ng\u00e2n h\u00e0ng, sau l\u00e0 m\u00e9o m\u00f3 c\u1ea3 th\u1ecb tr\u01b0\u1eddng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf.<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong>","protected":false},"excerpt":{"rendered":"<p>L\u00e3i su\u1ea5t 20% l\u00e0 cao hay th\u1ea5p? (ANVI) &#8211; Kh\u00f4ng k\u1ec3 m\u1ed9t s\u1ed1 hi\u1ec7n t\u01b0\u1ee3ng ngo\u1ea1i l\u1ec7, nh\u00ecn chung l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111ang ti\u1ebfn \u0111\u1ebfn m\u1ed1c 20% v\u00e0 l\u00e3i su\u1ea5t cho vay th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u00e3 b\u1ecf xa m\u1ed1c \u0111\u00f3. T\u1ea1i sao l\u00e3i su\u1ea5t cao v\u00e0 v\u00ec \u0111\u00e2u ch\u01b0a h\u1ea1 \u0111\u01b0\u1ee3c nh\u1eefng con s\u1ed1 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4938,"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-4937","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>148A. L\u00e3i su\u1ea5t 20% l\u00e0 cao hay th\u1ea5p? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"L\u00e3i su\u1ea5t 20% l\u00e0 cao hay th\u1ea5p? 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