{"id":5584,"date":"1998-07-07T15:13:16","date_gmt":"1998-07-07T08:13:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5584"},"modified":"2022-02-07T15:18:17","modified_gmt":"2022-02-07T08:18:17","slug":"40-mot-so-van-de-ve-he-thong-nhtm","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/40-mot-so-van-de-ve-he-thong-nhtm\/","title":{"rendered":"44. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 h\u1ec7 th\u1ed1ng NHTM."},"content":{"rendered":"(ANVI) – V\u1ec1 v\u1ea5n \u0111\u1ec1 th\u1ee9 5 c\u1ee7a VEN n\u00eau ra: “Quan \u0111i\u1ec3m, nh\u1eadn \u0111\u1ecbnh g\u00ec v\u1ec1 h\u1ec7 th\u1ed1ng NHVN hi\u1ec7n nay, theo \u00f4ng c\u00f3 n\u00ean th\u00eam m\u1ed9t s\u1ed1 NH n\u1eefa hay kh\u00f4ng. H\u1ec7 th\u1ed1ng NHVN \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a nh\u00e2n d\u00e2n hay ch\u01b0a? Theo \u00f4ng ch\u00ednh ph\u1ee7 c\u1ea7n c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p, ch\u00ednh s\u00e1ch g\u00ec \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c NHTM c\u1ee7a VN?”<\/em><\/strong><\/p>\n

Quan \u0111i\u1ec3m:<\/strong><\/p>\n

*<\/strong> H\u1ec7 th\u1ed1ng NHTM hi\u1ec7n nay c\u00f3 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng qu\u00e1 nh\u1ecf b\u00e9, manh m\u00fan; s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 \u00edt v\u00e0 \u0111\u01a1n \u0111i\u1ec7u; tr\u00ecnh \u0111\u1ed9 qu\u1ea3n l\u00fd c\u00f2n kh\u00e1 l\u1ea1c h\u1eadu, kh\u00f4ng ph\u00f9 h\u1ee3p; ch\u1ea5t l\u01b0\u1ee3ng kinh doanh th\u1ea5p k\u00e9m.<\/p>\n

*<\/strong> Trong \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf x\u00e3 h\u1ed9i nh\u01b0 hi\u1ec7n nay, kh\u00f4ng n\u00ean th\u00e0nh l\u1eadp th\u00eam c\u00e1c NHTM (tr\u1eeb NH ch\u00ednh s\u00e1ch) v\u00e0 ch\u1ec9 n\u00ean duy tr\u00ec kho\u1ea3ng 30-40 NHTM. Vi\u1ec7c 4 NH TMQD hi\u1ec7n nay c\u1ea1nh tranh nhau g\u1ea7n nh\u01b0 tr\u00ean c\u00f9ng m\u1ed9t \u0111\u1ecba b\u00e0n, c\u00f9ng t\u00ednh ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd.<\/p>\n

*<\/strong> H\u1ec7 th\u1ed1ng NHTM m\u1edbi ch\u1ec9 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n nhu c\u1ea7u vay v\u00e0 g\u1eedi ti\u1ec1n, c\u00f2n h\u1ea7u nh\u01b0 ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c nhu c\u1ea7u kh\u00e1c c\u1ee7a nh\u00e2n d\u00e2n. Hay n\u00f3i \u0111\u00fang h\u01a1n, c\u00e1c d\u1ecbch v\u1ee5 NH c\u00f2n l\u00e0 cao c\u1ea5p, xa l\u1ea1 v\u00e0 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi \u0111\u00f4ng \u0111\u1ea3o d\u00e2n ch\u00fang. M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ed1t l\u00f5i l\u00e0 thu nh\u1eadp d\u00e2n c\u01b0 qu\u00e1 th\u1ea5p, n\u00ean ch\u01b0a ph\u00e1t sinh nhu c\u1ea7u d\u1ecbch v\u1ee5 NH.<\/p>\n

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* Nh\u00e0 n\u01b0\u1edbc c\u1ea7n t\u1ea1o ra c\u00e1c c\u01a1 ch\u1ebf \u0111\u1ed3ng b\u1ed9 v\u00e0 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd an to\u00e0n cho t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NH:<\/strong><\/p>\n

– C\u1ea7n th\u1ef1c hi\u1ec7n ngay c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 h\u00ecnh th\u00e0nh ra c\u00e1c NH l\u1edbn, \u0111a n\u0103ng th\u00f4ng qua vi\u1ec7c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 ho\u1eb7c s\u00e1p nh\u1eadp.<\/p>\n

– Kh\u00f4ng cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c phi NH huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t b\u1eb1ng ho\u1eb7c cao h\u01a1n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a NHTM, t\u1ea1o ra s\u1ef1 c\u1ea1nh tranh b\u1ea5t b\u00ecnh \u0111\u1eb3ng;<\/p>\n

– T\u1ea1o ra s\u1ef1 b\u00ecnh \u0111\u1eb3ng gi\u1eefa NH trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc v\u1ec1: Thu\u1ebf l\u1ee3i t\u1ee9c, t\u1ec9 l\u1ec7 cho vay, cho ph\u00e9p tr\u00edch l\u1eadp Qu\u1ef9 b\u00f9 \u0111\u1eafp r\u1ee7i ro t\u1eeb chi ph\u00ed v\u00e0 x\u1eed l\u00fd n\u1ee3 qu\u00e1 h\u1ea1n nh\u01b0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf;<\/p>\n

– \u0110\u01a1n gi\u1ea3n ho\u00e1 vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1. Hi\u1ec7n nay, t\u1eeb khi \u0111\u01b0a ra to\u00e0 (kinh t\u1ebf c\u0169ng nh\u01b0 d\u00e2n s\u1ef1) \u0111\u1ebfn khi x\u00e9t x\u1eed 2 c\u1ea5p xong, m\u1ea5t kho\u1ea3ng 1 n\u0103m v\u00e0 \u0111\u1ebfn khi ph\u00e1t m\u1ea1i xong ph\u1ea3i m\u1ea5t kho\u1ea3ng 1 n\u0103m n\u1eefa;<\/p>\n

– X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n ch\u00ednh s\u00e1ch \u0111\u1ed3ng b\u1ed9, t\u1eadp trung, nh\u1ea5t qu\u00e1n v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng NH, tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00f3 t\u1edbi 3-400 v\u0103n b\u1ea3n c\u00f9ng \u0111i\u1ec1u ch\u1ec9nh nh\u01b0 hi\u1ec7n nay. Theo NHNN, \u0111\u1ec3 th\u1ef1c hi\u1ec7n 2 Lu\u1eadt NH v\u00e0o 1-10 n\u0103m nay, ph\u1ea3i x\u00e2y d\u1ef1ng t\u1edbi 55 ngh\u1ecb \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh, ch\u1ec9 th\u1ecb v\u00e0 th\u00f4ng t\u01b0. Nh\u01b0 v\u1eady l\u00e0 qu\u00e1 nhi\u1ec1u v\u00e0 ch\u1ec9 sau 1-2 n\u0103m n\u1eefa, s\u1ebd l\u1ea1i d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng qu\u00e1 t\u1ea3i v\u0103n b\u1ea3n.<\/p>\n

– \u0110\u1eb7c bi\u1ec7t, c\u1ea7n x\u00e2y d\u1ef1ng c\u00e1c \u0111\u1ecbnh ch\u1ebf NH \u0111\u1ed9c l\u1eadp v\u00e0 \u0111\u1eb7c th\u00f9 so v\u1edbi c\u00e1c \u0111\u1ecbnh ch\u1ebf \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p.<\/p>\n

Vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a NHTM theo nguy\u00ean t\u1eafc (\u0111i\u1ec1u ki\u1ec7n) c\u00f3 b\u1ea3o \u0111\u1ea3m, c\u00f2n h\u1ea7u h\u1ebft c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1 v\u00e0 kinh t\u1ebf kh\u00e1c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n t\u1ef1 do. V\u00ec v\u1eady, c\u1ea7n c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh linh ho\u1ea1t, th\u00edch \u1ee9ng cho NH, ch\u1ee9 kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng gi\u1ed1ng nh\u01b0 quy \u0111\u1ecbnh chung. \u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 \u0111\u1ebfn vi\u1ec7c c\u00f9ng l\u00e0 th\u1ebf ch\u1ea5p, nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, th\u00ec th\u1ef1c hi\u1ec7n theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1996, \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, th\u00ec v\u1eabn theo quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p l\u1ec7nh h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989. Trong khi \u0111\u00f3, t\u00ednh ch\u1ea5t cho vay c\u1ee7a NH l\u00e0 theo c\u1ea3 H\u0110KT v\u00e0 H\u0110DS, nh\u01b0ng l\u1ea1i ho\u00e0n to\u00e0n ch\u1ec9 th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh th\u1ebf ch\u1ea5p c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Trong th\u1eddi gian qua, d\u01b0\u1eddng nh\u01b0 c\u00e1c c\u01a1 quan h\u00e0nh ph\u00e1p, l\u1eadp ph\u00e1p v\u00e0 t\u01b0 ph\u00e1p \u0111\u1ec1u cho r\u1eb1ng \u0111\u1ecba v\u1ecb ph\u00e1p l\u00fd c\u1ee7a NH gi\u1ed1ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p c\u00f9ng lo\u1ea1i kh\u00e1c. \u0110i\u1ec1u \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n kh\u00e1 r\u00f5 trong n\u1ed9i dung c\u1ee7a Lu\u1eadt c\u00e1c TCTD v\u00e0 m\u1ed9t s\u1ed1 d\u1ef1 th\u1ea3o v\u0103n b\u1ea3n c\u1ee7a Ch\u00ednh ph\u1ee7, B\u1ed9 T\u00e0i ch\u00ednh,…<\/p>\n

Theo Lu\u1eadt c\u00e1c TCTD, th\u00ec c\u00e1c NHCP ph\u1ea3i tu\u00e2n theo Lu\u1eadt C\u00f4ng ty, NHQD ph\u1ea3i tu\u00e2n theo Lu\u1eadt DNNN, c\u00f2n QTD ph\u1ea3i tu\u00e2n theo Lu\u1eadt HTX. T\u1ee9c l\u00e0 nhi\u1ec1u quy \u0111\u1ecbnh v\u1ec1 NH s\u1ebd \u0111\u01b0\u1ee3c vi\u1ec7n d\u1eabn t\u1eeb c\u00e1c quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt v\u1ec1 doanh nghi\u1ec7p kh\u00e1c. Nh\u01b0 v\u1eady, \u0111\u01b0\u01a1ng nhi\u00ean NH s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea1o ra m\u1ed9t lo\u1ea1i h\u00ecnh \u0111\u1eb7c th\u00f9, m\u1ed9t t\u01b0 c\u00e1ch \u0111\u1eb7c bi\u1ec7t, m\u1ed9t v\u1ecb tr\u00ed \u0111\u1ed9c l\u1eadp b\u1ea3o \u0111\u1ea3m thu\u1eadn l\u1ee3i c\u1ea7n thi\u1ebft cho ho\u1ea1t \u0111\u1ed9ng kinh doanh ti\u1ec1n t\u1ec7.<\/p>\n

Ch\u1eafc ch\u1eafn nhi\u1ec1u quy \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn Lu\u1eadt NH s\u1ebd b\u1ecb ch\u1ed3ng ch\u00e9o, tr\u00f9ng l\u1eb7p v\u00e0 vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u00fang trong th\u1eddi gian t\u1edbi s\u1ebd g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc; nh\u1ea5t l\u00e0 trong m\u1ed9t v\u00e0i n\u0103m \u0111\u1ea7u, nhi\u1ec1u v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Lu\u1eadt c\u00e1c TCTD ch\u01b0a k\u1ecbp ban h\u00e0nh v\u00e0 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp t\u1edbi.<\/p>\n

N\u1ebfu NH \u0111\u01b0\u1ee3c coi l\u00e0 lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p c\u00f9ng t\u00ednh ch\u1ea5t, th\u00ec ch\u1ec9 c\u1ea7n c\u00f3 c\u00e1c ph\u00e1p l\u1ec7nh, ngh\u1ecb \u0111\u1ecbnh v\u00e0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt kh\u00e1c h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng 3 lu\u1eadt DNNN, Cty v\u00e0 HTX \u0111\u1ed1i v\u1edbi c\u00e1c NHQD, NHCP v\u00e0 QTD, ch\u1ee9 ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n \u0111\u1ebfn m\u1ed9t Lu\u1eadt ri\u00eang v\u1ec1 c\u00e1c TCTD.<\/p>\n

C\u00f3 m\u1ed9t th\u1ef1c t\u1ebf r\u1ea5t sinh \u0111\u1ed9ng \u0111\u00e3 b\u1ecb l\u00e3ng qu\u00ean. \u0110\u00f3 l\u00e0 vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ea1o lu\u1eadt ho\u00e0n to\u00e0n ri\u00eang bi\u1ec7t cho c\u00e1c doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. C\u00e1c doanh nghi\u1ec7p \u0111\u00f3 l\u00e0 lo\u1ea1i h\u00ecnh c\u00f4ng ty TNHH, nh\u01b0ng kh\u00f4ng ph\u1ea3i tu\u00e2n theo b\u1ea5t c\u1ee9 m\u1ed9t quy \u0111\u1ecbnh n\u00e0o c\u1ee7a Lu\u1eadt C\u00f4ng ty hi\u1ec7n h\u00e0nh.<\/p>\n

C\u00f3 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1 quan tr\u1ecdng khi c\u00e1c NHTM th\u1ef1c hi\u1ec7n Lu\u1eadt c\u00e1c TCTD s\u1eafp t\u1edbi. \u0110\u00f3 l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p 4 Lu\u1eadt v\u1ec1 doanh nghi\u1ec7p (v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh) kh\u00e1c nhau th\u00ec th\u1ef1c hi\u1ec7n theo v\u0103n b\u1ea3n n\u00e0o? \u01afu ti\u00ean c\u00e1c v\u0103n b\u1ea3n chuy\u00ean ng\u00e0nh NH hay \u01b0u ti\u00ean c\u00e1c v\u0103n b\u1ea3n chung?<\/p>\n

C\u00e1c NHTM v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt r\u1ea5t kh\u00f3 t\u00ecm th\u1ea5y m\u1ed9t quan \u0111i\u1ec3m chung trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 tr\u00ean.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, s\u1eafp t\u1edbi Lu\u1eadt DNNN v\u00e0 Lu\u1eadt C\u00f4ng ty s\u1ebd \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i. V\u1eady th\u00ec, nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n, nhi\u1ec1u v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o ho\u1eb7c s\u1ebd \u0111\u01b0\u1ee3c vi\u1ec7n d\u1eabn th\u00e0nh nh\u1eefng quy \u0111\u1ecbnh m\u1edbi trong 55 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt c\u00e1c TCTD s\u1ebd ngay l\u1eadp t\u1ee9c tr\u1edf th\u00e0nh m\u00e2u thu\u1eabn v\u00e0 l\u1ea1c h\u1eadu. C\u00f2n n\u1ebfu 55 v\u0103n b\u1ea3n tr\u00ean quy \u0111\u1ecbnh theo h\u01b0\u1edbng m\u1edbi th\u00ec s\u1ebd tr\u00e1i Lu\u1eadt DNNN v\u00e0 Lu\u1eadt C\u00f4ng ty hi\u1ec7n h\u00e0nh m\u00e0 c\u0169ng ch\u01b0a ch\u1eafc \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c Lu\u1eadt m\u1edbi.<\/p>\n

V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb c\u1ea7n kh\u1ea9n tr\u01b0\u01a1ng nghi\u00ean c\u1ee9u vi\u1ec7c s\u1eeda \u0111\u1ed5i Lu\u1eadt c\u00e1c TCTD \u0111\u1ec3 t\u1ea1o ra m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd chu\u1ea9n m\u1ef1c b\u1ea3o \u0111\u1ea3m cho c\u00e1c NHTM.<\/p>\n

(L\u00e0m vi\u1ec7c v\u1edbi VN Economic News ng\u00e0y 3-7-98)<\/p>\n

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B\u00e0i \u0111\u01b0\u1ee3c l\u01b0u \u1edf \u0111\u00e2y:<\/em><\/strong><\/p>\n

\u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, t\u1ea7ng 2, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em>HN<\/em><\/p>\n

FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n

Web: www.anvilaw.com<\/em><\/p>\n

\u0110T: 090.345.9070<\/em><\/p>\n

 <\/p>\n

 <\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(ANVI) – V\u1ec1 v\u1ea5n \u0111\u1ec1 th\u1ee9 5 c\u1ee7a VEN n\u00eau ra: “Quan \u0111i\u1ec3m, nh\u1eadn \u0111\u1ecbnh g\u00ec v\u1ec1 h\u1ec7 th\u1ed1ng NHVN hi\u1ec7n nay, theo \u00f4ng c\u00f3 n\u00ean th\u00eam m\u1ed9t s\u1ed1 NH n\u1eefa hay kh\u00f4ng. H\u1ec7 th\u1ed1ng NHVN \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a nh\u00e2n d\u00e2n hay ch\u01b0a? Theo \u00f4ng ch\u00ednh ph\u1ee7 c\u1ea7n c\u00f3 c\u00e1c bi\u1ec7n […]<\/p>\n","protected":false},"author":7,"featured_media":5585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n44. 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