{"id":5937,"date":"2012-07-18T14:39:44","date_gmt":"2012-07-18T07:39:44","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5937"},"modified":"2022-02-09T14:42:28","modified_gmt":"2022-02-09T07:42:28","slug":"159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung\/","title":{"rendered":"159. Ph\u00ed d\u1ecbch v\u1ee5 ATM &#8211; &#8220;K\u1ebb m\u00f3c t\u00fai&#8221; ng\u01b0\u1eddi ti\u00eau d\u00f9ng."},"content":{"rendered":"<strong><em>(ANVI) &#8211; H\u1ed9i th\u1ea3o \u201cNh\u00ecn l\u1ea1i m\u1ed9t n\u0103m Lu\u1eadt B\u1ea3o v\u1ec7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 18-7-2012<\/em><\/strong><\/p>\n<p><strong><em>quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 hi\u1ec7u l\u1ef1c\u201d<\/em><\/strong><\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><em>G\u1ea7n nh\u01b0 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, \u0111\u1ec1u \u0111ang l\u00e0 nh\u1eefng ch\u1ee7 \u0111\u1ec1 n\u00f3ng b\u1ecfng: D\u01b0 n\u1ee3, l\u00e3i su\u1ea5t, n\u1ee3 x\u1ea5u, ngo\u1ea1i t\u1ec7, v\u00e0ng, s\u00e1p nh\u1eadp, ph\u00ed ATM,&#8230; V\u00e0 song \u00a0h\u00e0nh v\u1edbi n\u00f3 l\u00e0 n\u1ed7i b\u0103n kho\u0103n, lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 n\u00f3i chung v\u00e0 v\u1ec1 th\u1ebb ATM n\u00f3i ri\u00eang. \u00a0<\/em><\/p>\n<ol>\n<li><strong>Th\u1ebb ATM, d\u1ecbch v\u1ee5 d\u00e0nh cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi <\/strong><\/li>\n<\/ol>\n<p>Trong qu\u00e1 tr\u00ecnh g\u00f3p \u00fd x\u00e2y d\u1ef1ng Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, t\u00f4i \u0111\u00e3 vi\u1ebft v\u00e0 tr\u00ecnh b\u00e0y b\u00e0i tham lu\u1eadn \u201cB\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng\u201d t\u1ea1i H\u1ed9i th\u1ea3o Qu\u1ed1c t\u1ebf B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng: T\u1eeb hai g\u00f3c nh\u00ecn \u00c1 &#8211; \u00c2u, do Nh\u00e0 Ph\u00e1p lu\u1eadt Vi\u1ec7t &#8211; Ph\u00e1p v\u00e0 B\u1ed9 C\u00f4ng th\u01b0\u01a1ng \u0111\u1ed3ng t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i trong hai ng\u00e0y 27 v\u00e0 28-9-2010.<\/p>\n<p>V\u1edbi 22 trang c\u1ee7a b\u00e0i tham lu\u1eadn n\u00f3i tr\u00ean, t\u00f4i \u0111\u00e3 n\u00eau ra m\u1ed9t lo\u1ea1t v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp, ch\u01b0a r\u00f5 r\u00e0ng, ch\u01b0a b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u1ec1 c\u00e1c n\u1ed9i dung sau:<\/p>\n<ul>\n<li><a name=\"_Toc271297763\"><\/a><a name=\"_Toc271297765\"><\/a><a name=\"_Toc271535661\"><\/a> B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n khi r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n, trong \u0111\u00f3 c\u00f3 2 v\u1ea5n \u0111\u1ec1 sau:<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ch\u1ec9 \u0111\u01b0\u1ee3c r\u00fat tr\u01b0\u1edbc h\u1ea1n n\u1ebfu \u0111\u00e3 c\u00f3 tho\u1ea3 thu\u1eadn v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 ph\u1ea3i th\u00f4ng b\u00e1o tr\u01b0\u1edbc m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh theo quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t trong hai \u0111i\u1ec1u ki\u1ec7n n\u00e0y, th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c \u0111\u01b0\u1ee3c r\u00fat nh\u01b0ng ph\u1ea3i tr\u1ea3 ph\u00ed r\u00fat tr\u01b0\u1edbc h\u1ea1n (t\u1ee9c l\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng nh\u1eefng kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i m\u00e0 c\u00f2n b\u1ecb m\u1ea5t \u0111i m\u1ed9t ph\u1ea7n ti\u1ec1n g\u1ed1c);<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n r\u00fat tr\u01b0\u1edbc h\u1ea1n n\u1ebfu \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u1ea3 hai \u0111i\u1ec1u ki\u1ec7n n\u00f3i tr\u00ean, th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t \u201ct\u1ed1i \u0111a b\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n th\u1ea5p nh\u1ea5t\u201d c\u1ee7a ng\u00e2n h\u00e0ng (t\u1ee9c l\u00e0, g\u1eedi 12 th\u00e1ng, n\u1ebfu r\u00fat ti\u1ec1n v\u00e0o th\u00e1ng th\u1ee9 11, th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n).<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi th\u1eeba k\u1ebf c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p \u0111\u1eb7t m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu tr\u01b0\u1edbc h\u00e0nh vi gian l\u1eadn c\u1ee7a CBNV ng\u00e2n h\u00e0ng ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi kh\u00e1c;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi;<\/li>\n<li><a name=\"_Toc271535662\"><\/a> B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi vay v\u1ed1n ti\u00eau d\u00f9ng, trong \u0111\u00f3 c\u00f3 vi\u1ec7c \u0111\u1ec3 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n ti\u00eau d\u00f9ng;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi vay v\u1ed1n \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t ti\u1ec1n vay trong h\u1ea1n, l\u00e3i su\u1ea5t tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t ti\u1ec1n vay qu\u00e1 h\u1ea1n;<\/li>\n<li><a name=\"_Toc271297768\"><\/a><a name=\"_Toc271535663\"><\/a> B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 giao d\u1ecbch ti\u1ec1n m\u1eb7t;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 th\u1ebb ATM;<\/li>\n<li><a name=\"_Toc271297769\"><\/a> B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi mua ngo\u1ea1i t\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng;<\/li>\n<li>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u1ec1 b\u00ed m\u1eadt th\u00f4ng tin ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi v\u00e0 th\u00f4ng tin giao d\u1ecbch.<\/li>\n<\/ul>\n<p>Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010 g\u1ea7n nh\u01b0 ch\u01b0a \u0111\u1ea3 \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111\u1ebfn nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00f3i tr\u00ean.<\/p>\n<p>N\u1ebfu nh\u01b0 trong b\u00e0i tham lu\u1eadn tr\u00ean, t\u00f4i \u0111\u00e3 \u0111\u1ee9ng h\u1eb3n v\u1ec1 ph\u00eda ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u201ct\u1ea5n c\u00f4ng\u201d ng\u00e2n h\u00e0ng v\u00e0 ph\u00e1p lu\u1eadt v\u1ec1 l\u0129nh v\u1ef1c n\u00e0y, th\u00ec trong b\u00e0i tham lu\u1eadn n\u00e0y, l\u00e0 m\u1ed9t g\u00f3c nh\u00ecn ng\u01b0\u1ee3c l\u1ea1i v\u00e0 quan \u0111i\u1ec3m kh\u00e1c. V\u00e0 c\u0169ng ch\u1ec9 b\u00e0n \u0111\u1ebfn m\u1ed9t n\u1ed9i dung li\u00ean quan \u0111\u1ebfn Ph\u00ed d\u1ecbch v\u1ee5 th\u1ebb ATM.<\/p>\n<ol start=\"2\">\n<li><strong>S\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 cao c\u1ea5p, tr\u1ea3 ti\u1ec1n b\u00ecnh d\u00e2n<\/strong><\/li>\n<\/ol>\n<p>Th\u1ebb ATM, c\u1ee5 th\u1ec3 l\u00e0 th\u1ebb ghi n\u1ee3, l\u00e0 m\u1ed9t lo\u1ea1i th\u1ebb ng\u00e2n h\u00e0ng \u0111\u01a1n gi\u1ea3n nh\u1ea5t, ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u00e0 c\u0169ng g\u00e2y ra nhi\u1ec1u tranh c\u00e3i b\u1ee9c x\u00fac nh\u1ea5t trong x\u00e3 h\u1ed9i hi\u1ec7n nay. \u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i th\u1ebb m\u00e0 kh\u00e1ch h\u00e0ng chi \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh \u0111\u00e3 c\u00f3 trong t\u00e0i kho\u1ea3n. Ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u201c\u0103n b\u1eabm\u201d t\u1eeb ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i tr\u1ea3 l\u00e3i theo l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng kh\u00e1c.<\/p>\n<p>\u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng chi\u1ebfc th\u1ebb ATM \u0111\u01a1n gi\u1ea3n cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i chi r\u1ea5t nhi\u1ec1u ti\u1ec1n cho h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 l\u00e0 m\u00e1y vi t\u00ednh, ph\u1ea7n m\u1ec1m, m\u00e1y ATM, tr\u1ea1m ATM, kho k\u00e9t \u0111\u1ef1ng ti\u1ec1n, xe ch\u1edf ti\u1ec1n, nh\u00e2n vi\u00ean c\u00e1c kh\u00e2u,\u2026 v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ed3n t\u00edch m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n r\u1ea5t l\u1edbn (\u00edt th\u00ec v\u00e0i tr\u0103m, nhi\u1ec1u th\u00ec v\u00e0i t\u1ef7 \u0111\u1ed3ng \u201ct\u00fac tr\u1ef1c\u201d trong m\u1ed7i ATM). Ng\u00e2n h\u00e0ng chi ti\u1ec1n t\u1ef7, \u0111\u1ec3 nh\u1eb7t nh\u1ea1nh l\u1ea1i t\u1eebng tr\u0103m \u0111\u1ed3ng, ngh\u00ecn \u0111\u1ed3ng, v\u00ec v\u1eady, \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 ph\u1ea3i thu ph\u00ed. V\u00e0 c\u00e1ch thu ph\u00ed v\u0103n minh, h\u1ee3p l\u00fd, c\u00f4ng b\u1eb1ng nh\u1ea5t l\u00e0 \u201c\u0111\u1ebb\u201d ra nhi\u1ec1u lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn th\u1ebb ATM, \u0111\u1ec3 ai d\u00f9ng \u0111\u1ebfn \u0111\u00e2u th\u00ec tr\u1ea3 \u0111\u1ebfn \u0111\u00f3, d\u00f9ng nhi\u1ec1u tr\u1ea3 nhi\u1ec1u, d\u00f9ng \u00edt tr\u1ea3 \u00edt, \u0111\u00f3 l\u00e0:<\/p>\n<ul>\n<li>Ph\u00ed ph\u00e1t h\u00e0nh th\u1ebb (trong \u0111\u00f3 c\u00f3 vi\u1ec7c l\u00e0m th\u1ebb nhanh ho\u1eb7c ch\u1eadm);<\/li>\n<li>Ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i ATM (trong c\u00f9ng ho\u1eb7c kh\u00e1c h\u1ec7 th\u1ed1ng);<\/li>\n<li>Ph\u00ed chuy\u1ec3n ti\u1ec1n qua ATM (trong c\u00f9ng ho\u1eb7c kh\u00e1c h\u1ec7 th\u1ed1ng);<\/li>\n<li>Ph\u00ed truy v\u1ea5n s\u1ed1 d\u01b0 th\u1ebb;<\/li>\n<li>Ph\u00ed sao k\u00ea t\u00e0i kho\u1ea3n th\u1ebb;<\/li>\n<li>Ph\u00ed d\u1ecbch v\u1ee5 SMS (nh\u1eafn tin th\u00f4ng b\u00e1o t\u1ee9c th\u1eddi bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 t\u1edbi \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng);<\/li>\n<li>Ph\u00ed c\u1ea5p l\u1ea1i m\u00e3 PIN (do ch\u1ee7 th\u1ebb qu\u00ean PIN ho\u1eb7c b\u1ecb kh\u00f3a th\u1ebb t\u1ea1i m\u00e1y ATM);<\/li>\n<li>Ph\u00ed c\u1ea5p l\u1ea1i th\u1ebb ATM (do m\u1ea5t, h\u1ecfng th\u1ebb); v.v&#8230;<\/li>\n<\/ul>\n<p>Ph\u00e1t h\u00e0nh, c\u1ea5p th\u1ebb, c\u1ea5p m\u00e3, r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n, truy v\u1ea5n, sao k\u00ea, nh\u1eafn tin,\u2026 \u0111\u1ec1u l\u00e0 \u0111\u1ec1u l\u00e0 d\u1ecbch v\u1ee5, \u0111\u1ec1u t\u1ed1n ti\u1ec1n, \u0111\u1ec1u ph\u1ea3i m\u1ea5t chi ph\u00ed. V\u1eady s\u1eed d\u1ee5ng th\u1ebb \u0111\u1ec3 r\u00fat ti\u1ec1n hay s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c li\u00ean quan \u0111\u1ebfn th\u1ebb, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i tr\u1ea3 ph\u00ed, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 khuy\u1ebfn m\u1ea1i, mi\u1ec5n ph\u00ed. Vi\u1ec7c n\u00e0y c\u0169ng gi\u1ed1ng ph\u1ea3i tr\u1ea3 th\u00eam ti\u1ec1n kh\u0103n \u0103n sau khi \u0111\u00e3 tr\u1ea3 ti\u1ec1n th\u1ee9c \u0103n v\u00e0 ti\u1ec1n ph\u1ee5c v\u1ee5 cho nh\u00e0 h\u00e0ng. Th\u1ef1c t\u1ebf th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u01b0\u1ee3c mi\u1ec5n m\u1ed9t s\u1ed1 lo\u1ea1i ph\u00ed trong nhi\u1ec1u n\u0103m nay, \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i ATM n\u1ed9i m\u1ea1ng (r\u00fat trong c\u00f9ng h\u1ec7 th\u1ed1ng).<\/p>\n<p>Quan h\u1ec7 g\u1ed1c gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng trong giao d\u1ecbch th\u1ebb, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n h\u01b0\u1edfng l\u00e3i su\u1ea5t nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n kh\u00e1c. C\u00f2n ng\u00e2n h\u00e0ng th\u00ec c\u00f3 ngh\u0129a v\u1ee5 gi\u1eef ti\u1ec1n v\u00e0 tr\u1ea3 l\u00e3i \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u1eadn d\u1ee5ng ngu\u1ed3n v\u1ed1n \u0111\u00f3 \u0111\u01b0a v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh. Ng\u00e2n h\u00e0ng &#8220;\u0103n&#8221; \u1edf ch\u1ed7 giao d\u1ecbch v\u1edbi quy m\u00f4 l\u1edbn, c\u00f3 nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ed3ng th\u1eddi k\u1ebft h\u1ee3p th\u1ef1c hi\u1ec7n nhi\u1ec1u nghi\u1ec7p v\u1ee5 \u0111\u1ec3 sinh l\u1eddi. Th\u1eed so s\u00e1nh d\u1ecbch v\u1ee5 \u201cgi\u1eef ti\u1ec1n\u201d v\u1edbi ngay d\u1ecbch v\u1ee5 \u201cgi\u1eef v\u00e0ng\u201d c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng th\u00ec th\u1ea5y r\u00f5. N\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n b\u1eb1ng v\u00e0ng \u0111\u1ec3 \u0111\u01b0a v\u00e0o kinh doanh (do quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc), th\u00ec ngay l\u1eadp t\u1ee9c, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i tr\u1ea3 ph\u00ed g\u1eedi v\u00e0ng cho ng\u00e2n h\u00e0ng, nh\u01b0 \u0111\u00e3 quy \u0111\u1ecbnh v\u00e0 s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n tri\u1ec7t \u0111\u1ec3 trong th\u1eddi gian s\u1eafp t\u1edbi. N\u1ebfu ch\u1ec9 x\u00e9t ri\u00eang m\u1ed1i quan h\u1ec7 g\u1eedi ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n th\u1ebb gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng nh\u01b0 c\u00e1c lo\u1ea1i d\u1ecbch v\u1ee5 kh\u00e1c, th\u00ec r\u00f5 r\u00e0ng l\u00e0 ng\u00e2n h\u00e0ng l\u1ed7 to, v\u00ec nh\u1eadn c\u1ee7a m\u1ed7i kh\u00e1ch h\u00e0ng 10 \u0111\u1ed3ng, s\u1ebd lu\u00f4n ph\u1ea3i s\u1eb5n s\u00e0ng c\u00f3 \u0111\u1ee7 10 \u0111\u1ed3ng cho kh\u00e1ch h\u00e0ng \u1ea5y r\u00fat l\u1ea1i v\u00e0o b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, \u1edf b\u1ea5t k\u1ef3 tr\u1ee5 s\u1edf giao d\u1ecbch n\u00e0o v\u00e0 t\u1ea1i b\u1ea5t k\u1ef3 c\u00e2y ATM n\u00e0o (g\u1ea7n nh\u01b0 24\/24 gi\u1edd).<\/p>\n<p>Nh\u01b0 v\u1eady, thu c\u00e1c lo\u1ea1i ph\u00ed ATM l\u00e0 t\u1ea5t y\u1ebfu, l\u00e0 h\u1ee3p l\u00fd v\u00e0 b\u00ecnh th\u01b0\u1eddng. V\u1ea5n \u0111\u1ec1 ch\u1ec9 l\u00e0 c\u00e1ch th\u1ee9c thu v\u00e0 m\u1ee9c thu th\u1ebf n\u00e0o m\u00e0 th\u00f4i.<\/p>\n<ol start=\"3\">\n<li><strong>Thu ph\u00ed th\u1ebf n\u00e0o cho ph\u1ea3i \u0111\u1ea1o? <\/strong><\/li>\n<\/ol>\n<p>N\u1ebfu th\u1ecb tr\u01b0\u1eddng th\u1ebb ATM c\u00f2n \u0111\u1ed9c quy\u1ec1n, thi\u1ebfu c\u1ea1nh tranh, c\u1ea7u l\u1edbn h\u01a1n cung, th\u00ec vi\u1ec7c thu ph\u00ed v\u00e0 t\u0103ng ph\u00ed c\u1ea7n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd, c\u1ea7n kh\u1ed1ng ch\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Tuy nhi\u00ean, th\u1ecb tr\u01b0\u1eddng th\u1ebb ATM hi\u1ec7n nay l\u00e0 ho\u00e0n to\u00e0n c\u1ea1nh tranh t\u1ef1 do, s\u00f2ng ph\u1eb3ng, cung lu\u00f4n l\u1edbn h\u01a1n c\u1ea7u, ng\u00e2n h\u00e0ng lu\u00f4n ph\u1ea3i \u201cgi\u00e0nh gi\u1eadt\u201d kh\u00e1ch h\u00e0ng. Th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i ho\u00e0n h\u1ea3o, m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng b\u1ecf ph\u00ed hay gi\u1ea3m ph\u00ed xu\u1ed1ng, th\u00ec \u0111i\u1ec1u \u0111\u00f3 \u0111\u00e3 ch\u1ee9ng t\u1ecf r\u1eb1ng, m\u1ee9c ph\u00ed nh\u01b0 th\u1ebf l\u00e0 s\u1ef1 h\u00ecnh th\u00e0nh h\u1ee3p l\u00fd v\u00e0 t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u00e0 n\u1ebfu m\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng t\u0103ng ph\u00ed hay thu th\u00eam ph\u00ed m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c khong t\u1eadn d\u1ee5ng c\u01a1 h\u1ed9i \u0111\u1ec3 l\u00f4i k\u00e9o kh\u00e1ch h\u00e0ng v\u1ec1 m\u00ecnh, m\u00e0 l\u1ea1i c\u0169ng h\u01b0\u1edfng \u1ee9ng t\u0103ng theo, th\u00ec \u0111i\u1ec1u \u0111\u00f3 c\u00e0ng ch\u1ee9ng minh r\u00f5, xu th\u1ebf th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 \u0111\u1ebfn l\u00fac kh\u00f4ng c\u00f2n ch\u1ea5p nh\u1eadn s\u1ef1 mi\u1ec5n ph\u00ed ho\u1eb7c duy tr\u00ec m\u1ee9c ph\u00ed th\u1ea5p nh\u01b0 tr\u01b0\u1edbc. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 \u0111\u00fang v\u00e0 h\u00e3y \u0111\u1ec3 cho th\u1ecb tr\u01b0\u1eddng \u0111i\u1ec1u ch\u1ec9nh. \u0110\u1eebng l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng nh\u01b0 c\u00e2u chuy\u1ec7n l\u00e3i su\u1ea5t cho vay. L\u00e3i su\u1ea5t c\u0169ng ho\u00e0n to\u00e0n c\u1ea1nh tranh, th\u00ec cao hay th\u1ea5p, ch\u1ee7 y\u1ebfu l\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh, ch\u1ee9 kh\u00f4ng ph\u1ea3i do c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u00e1p \u0111\u1eb7t ch\u1ee7 quan. Th\u1ecb tr\u01b0\u1eddng x\u1ea5u \u0111\u1ee7 th\u1ee9, x\u1ea5u tr\u01b0\u1eddng k\u1ef3, x\u1ea5u ti\u1ec1m \u1ea9n, th\u00ec sao c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1t\u00a0? N\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u00e1p \u0111\u1eb7t \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cho vay cao ng\u01b0\u1ee3c v\u1edbi th\u1ecb tr\u01b0\u1eddng, th\u00ec ch\u1eafc ch\u1eafn h\u1ecd \u0111\u00e3 \u00e1p \u0111\u1eb7t lu\u00f4n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng th\u1ea5p \u0111\u1ec3 ki\u1ebfm l\u1eddi, ch\u1ee9 \u0111\u00e3 ch\u1eb3ng x\u1ea3y ra ngh\u1ecbch l\u00fd k\u00e9o d\u00e0i l\u00e0, c\u00e1c ng\u00e2n h\u00e0ng c\u1ee9 t\u00ecm tr\u0103m m\u01b0u, ng\u00e0n k\u1ebf, v\u1ea1n ph\u01b0\u01a1ng \u0111\u1ec3 huy \u0111\u1ed9ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, t\u1ef1 m\u00ecnh vi ph\u1ea1m, m\u1ea5t ti\u1ec1n tr\u01b0\u1edbc bao nhi\u00eau s\u1ef1 hi\u1ec3m nguy. Ch\u1ec9 c\u00f3 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p \u0111\u1eb7t v\u00e0 k\u1ebft qu\u1ea3 th\u00ec c\u0169ng l\u00e0 gi\u00e1n ti\u1ebfp do th\u1ecb tr\u01b0\u1eddng mang l\u1ea1i, ch\u1ee9 ch\u01b0a bao gi\u1edd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t c\u00e1ch tr\u1ef1c ti\u1ebfp.<\/p>\n<p>M\u1ee9c ph\u00ed sao k\u00ea hay r\u00fat ti\u1ec1n m\u1eb7t trong c\u00f9ng m\u1ed9t h\u1ec7 th\u1ed1ng, n\u1ebfu ch\u1ec9 thu kho\u1ea3ng 1.000 \u0111\u1ed3ng\/giao d\u1ecbch, th\u00ec l\u00e0 m\u1ee9c kh\u00f4ng \u0111\u00e1ng k\u1ec3, v\u00ec 1.000 \u0111\u1ed3ng b\u00e2y gi\u1edd g\u1ea7n nh\u01b0 kh\u00f4ng mua n\u1ed5i c\u00e1i g\u00ec. M\u1eb7t kh\u00e1c kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn \u0111\u1ebfn \u0111i\u1ec3m giao d\u1ecbch tr\u1ef1c ti\u1ebfp c\u1ee7a ng\u00e2n h\u00e0ng r\u00fat ti\u1ec1n mi\u1ec5n ph\u00ed. C\u00f2n n\u1ebfu r\u00fat ti\u1ec1n kh\u00e1c h\u1ec7 th\u1ed1ng hay chuy\u1ec3n kho\u1ea3n m\u00e0 thu kho\u1ea3ng 3.000 \u0111\u1ed3ng\/giao d\u1ecbch ho\u1eb7c 5-6.000 \u0111\u1ed3ng, th\u00ec c\u0169ng ch\u1ec9 b\u1eb1ng m\u1ed9t l\u01b0\u1ee3t g\u1eedi xe m\u00e1y, \u00f4 t\u00f4. N\u1ebfu thu nhi\u1ec1u h\u01a1n th\u00ec ch\u1ec9 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i giao d\u1ecbch \u0111\u1eb7c bi\u1ec7t v\u00e0 c\u0169ng l\u00e0 h\u1ee3p l\u00fd.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 tr\u1edf th\u00e0nh n\u1eb7ng n\u1ec1 ch\u1ee7 y\u1ebfu l\u00e0 do t\u00e2m l\u00fd s\u1eed d\u1ee5ng mi\u1ec5n ph\u00ed l\u00e2u nay, ki\u1ec3u nh\u01b0 ng\u01b0\u1eddi Mi\u1ec1n B\u1eafc quen \u0111\u01b0\u1ee3c h\u01b0\u1edfng d\u1ecbch v\u1ee5 mi\u1ec5n ph\u00ed tr\u00f4ng xe khi \u0103n u\u1ed1ng \u1edf nh\u00e0 h\u00e0ng, th\u00ec s\u1ebd c\u1ea3m th\u1ea5y kh\u00f3 ch\u1ecbu khi ph\u1ea3i thanh to\u00e1n ti\u1ec1n g\u1eedi xe \u1edf c\u00e1c nh\u00e0 h\u00e0ng Mi\u1ec1n Nam. T\u00e2m l\u00fd \u0111\u00e3 t\u1ea1o ra c\u1ea3m gi\u00e1c thi\u1ebfu c\u00f4ng b\u1eb1ng ki\u1ec3u nh\u01b0, chuy\u1ec3n ti\u1ec1n khi giao d\u1ecbch t\u1ea1i qu\u1ea7y ph\u1ea3i m\u1ea5t ph\u00ed th\u00ec \u0111\u1ed3ng t\u00ecnh, nh\u01b0ng l\u1ea1i ph\u1ea3n \u0111\u1ed1i khi chuy\u1ec3n ti\u1ec1n qua ATM kh\u00f4ng \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed.<\/p>\n<p>R\u1ed3i, v\u1ea5n \u0111\u1ec1 l\u00e0 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng thu lo\u1ea1i ph\u00ed m\u1edbi v\u00e0 t\u0103ng ph\u00ed c\u0169 v\u00e0o th\u1eddi \u0111i\u1ec3m r\u1ea5t kh\u00f3 kh\u0103n, l\u1ea1i v\u1eeba b\u1ecb s\u1ed1c b\u1edfi c\u00fa t\u0103ng gi\u00e1 \u0111i\u1ec7n, n\u01b0\u1edbc,\u2026 v\u1eeba xong. Vi\u1ec7c thu ph\u00ed kh\u00f4ng g\u1eb7p th\u1eddi n\u00e0y, ph\u1ea7n l\u1edbn l\u00e0 l\u1ed7i c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, \u0111\u00e3 ng\u0103n c\u1ea3n v\u00e0 tr\u00ec ho\u00e3n th\u1eddi \u0111i\u1ec3m cho ph\u00e9p thu ph\u00ed ATM qu\u00e1 l\u00e2u. V\u00e0 v\u1ea5n \u0111\u1ec1 c\u00f2n l\u00e0 \u1edf ch\u1ed7, kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y b\u1ecb thu ph\u00ed b\u1ea5t ng\u1edd b\u1edfi quy\u1ebft \u0111\u1ecbnh \u0111\u01a1n ph\u01b0\u01a1ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p>N\u1ebfu c\u1ee9 theo nguy\u00ean t\u1eafc c\u1ee9ng, coi h\u1ee3p \u0111\u1ed3ng cung \u1ee9ng d\u1ecbch v\u1ee5 th\u1ebb c\u0169ng nh\u01b0 c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, th\u01b0\u01a1ng m\u1ea1i kh\u00e1c, th\u00ec khi thay \u0111\u1ed5i b\u1ea5t k\u1ef3 m\u1ed9t n\u1ed9i dung n\u00e0o trong h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd, nh\u01b0 ph\u00ed r\u00fat ti\u1ec1n, ph\u00ed chuy\u1ec3n ti\u1ec1n,\u2026 hai b\u00ean \u0111\u1ec1u s\u1ebd ph\u1ea3i \u201cng\u1ed3i\u201d l\u1ea1i v\u1edbi nhau \u0111\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng, ng\u00e3 ng\u0169, r\u1ed3i th\u1ec3 hi\u1ec7n k\u00e9t qu\u1ea3 \u0111\u00f3 b\u1eb1ng gi\u1ea5y tr\u1eafng, m\u1ef1c \u0111en v\u00e0 d\u1ea5u \u0111\u1ecf. Nh\u01b0 th\u1ebf c\u00f3 c\u1ea7n thi\u1ebft v\u00e0 c\u00f3 n\u00ean kh\u00f4ng? T\u00f4i cho r\u1eb1ng, th\u1ef1c s\u1ef1 l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng n\u00ean\u00a0!<\/p>\n<p>\u0110i\u1ec1u ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi c\u1ea3 ph\u00e1p l\u00fd, kinh t\u1ebf l\u1eabn th\u1ef1c t\u1ebf l\u00e0, khi b\u1eaft \u0111\u1ea7u d\u00f9ng th\u1ebb, th\u00ec kh\u00e1ch h\u00e0ng c\u00f3 to\u00e0n quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng g\u1eadt ho\u1eb7c l\u1eafc \u0111\u1ea7u tr\u01b0\u1edbc h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 th\u1ebb do ng\u00e2n h\u00e0ng \u0111\u01b0a ra. N\u1ebfu \u0111\u00e3 g\u1eadt \u0111\u1ea7u, th\u00ec c\u0169ng c\u00f3 ngh\u0129a l\u00e0 \u0111\u00e3 ch\u1ea5p nh\u1eadn v\u00f4 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i ph\u00ed c\u0169ng m\u1ee9c ph\u00ed, nh\u01b0 c\u00e1ch th\u1ee9c c\u00f4ng b\u1ed1 ph\u00ed. V\u00ec v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, vi\u1ec7c \u0111\u00f3 \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c l\u01b0\u1eddng tr\u01b0\u1edbc v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cung \u1ee9ng d\u1ecbch v\u1ee5 th\u1ebb. Tr\u01b0\u1edbc khi thu, \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng l\u00e0m theo \u0111\u00fang tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1eb1ng c\u00e1ch ni\u00eam y\u1ebft c\u00f4ng khai bi\u1ec3u ph\u00ed \u1edf t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec3m giao d\u1ecbch v\u00e0 th\u00f4ng b\u00e1o tr\u00ean trang web. V\u1ec1 m\u1eb7t kinh t\u1ebf, n\u1ebfu c\u1ee9 ph\u1ea3i tay \u0111\u00f4i gi\u1ea5y tr\u1eafng, m\u1ef1c \u0111en, th\u00ec s\u1ebd t\u1ed1n k\u00e9m ti\u1ec1n b\u1ea1c, l\u00e3ng ph\u00ed th\u1eddi gian m\u00e0 ch\u1eb3ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec \u0111\u00e1ng k\u1ec3, v\u00ec m\u1ed7i ng\u00e2n h\u00e0ng, \u00edt th\u00ec c\u0169ng c\u00f3 h\u00e0ng v\u1ea1n kh\u00e1ch h\u00e0ng, nhi\u1ec1u th\u00ec c\u00f3 t\u1edbi h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng d\u00f9ng th\u1ebb. Ng\u00e2n h\u00e0ng \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 g\u1ecdi t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng \u0111\u1ebfn k\u00fd, hay g\u1eedi t\u1eebng v\u0103n b\u1ea3n cho kh\u00e1ch h\u00e0ng xin x\u00e1c nh\u1eadn, r\u1ed3i ph\u00e2n lo\u1ea1i, x\u1eed l\u00fd k\u1ebft qu\u1ea3 \u0111\u00f3. Nh\u01b0ng l\u00e0m nh\u01b0 v\u1eady, th\u00ec kh\u00e1c n\u00e0o tri\u1ec3n khai m\u1ed9t lo\u1ea1i d\u1ecbch v\u1ee5 giao d\u1ecbch hi\u1ec7n \u0111\u1ea1i, ti\u1ec7n l\u1ee3i, c\u00f4ng ngh\u1ec7 cao, b\u1eb1ng c\u00e1ch l\u00e0m th\u1ee7 c\u00f4ng, b\u1ea5t ti\u1ec7n, c\u00f4ng ngh\u1ec7 th\u00f4 s\u01a1. V\u00e0 quan tr\u1ecdng nh\u1ea5t l\u00e0 to\u00e0n b\u1ed9 ph\u00ed t\u1ed5n cho nh\u1eefng vi\u1ec7c \u1ea5y, \u0111\u01b0\u01a1ng nhi\u00ean s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam v\u00e0o chi ph\u00ed cho kh\u00e1ch h\u00e0ng.<\/p>\n<p>V\u00ec v\u1eady, lo\u1ea1i ph\u00ed, m\u1ee9c ph\u00ed v\u00e0 c\u00e1ch th\u1ee9c thu ph\u00ed ATM c\u1ee7a c\u00e1c ng\u00e2n trong th\u1eddi gian v\u1eeba qua, tuy ch\u01b0a ph\u1ea3i l\u00e0 t\u1ed1t nh\u1ea5t, nh\u01b0ng l\u00e0 vi\u1ec7c b\u00ecnh th\u01b0\u1eddng, l\u00e0 \u0111i\u1ec1u t\u01b0\u01a1ng \u0111\u1ed1i h\u1ee3p l\u00fd v\u00e0 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n<ol start=\"4\">\n<li><strong>Ph\u00e1p lu\u1eadt v\u00e0 ng\u00e2n h\u00e0ng n\u00ean l\u00e0m g\u00ec? <\/strong><\/li>\n<\/ol>\n<p>Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010 g\u1ea7n nh\u01b0 ch\u01b0a \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, do c\u00f3 qu\u00e1 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1eb7c th\u00f9. V\u00ec v\u1eady, c\u1ea7n thi\u1ebft ph\u1ea3i xem x\u00e9t x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng.<\/p>\n<p>Ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 ATM c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf bu\u1ed9c \u0111\u0103ng k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng m\u1eabu cung \u1ee9ng d\u1ecbch v\u1ee5 th\u1ebb. \u0110\u00f3 l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng theo m\u1eabu 100%, nh\u01b0ng l\u1ea1i kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd, v\u00ec quy \u0111\u1ecbnh s\u01a1 h\u1edf \u0111\u1ebfn m\u1ee9c ng\u1edb ng\u1ea9n c\u1ee7a Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p>Nh\u01b0ng ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ATM, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng n\u00ean quy \u0111\u1ecbnh theo c\u00e1ch, ph\u1ea3i \u0111\u01b0\u1ee3c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p hay t\u1ec7 h\u01a1n l\u00e0 \u1ea5n \u0111\u1ecbnh lu\u00f4n m\u1ee9c ph\u00ed. C\u0169ng kh\u00f4ng n\u00ean \u0111i theo h\u01b0\u1edbng b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c thu ph\u00ed, t\u0103ng ph\u00ed khi \u0111\u00e3 tho\u1ea3 thu\u1eadn tay \u0111\u00f4i, c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng, chi ti\u1ebft v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng. Ph\u1ea3i b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, nh\u01b0ng n\u1ebfu b\u1ea3o v\u1ec7 theo c\u00e1ch \u0111\u00f3 th\u00ec ph\u1ea3n l\u1ea1i quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng, l\u00e0 phi kinh t\u1ebf, phi th\u1ef1c t\u1ebf v\u00e0 kh\u00f4ng mang l\u1ea1i hi\u1ec7u qu\u1ea3 t\u1ed1t cho c\u00e1c b\u00ean.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 l\u00e0 ph\u00e1p lu\u1eadt ph\u1ea3i t\u1ea1o ra cho \u0111\u01b0\u1ee3c c\u01a1 ch\u1ebf th\u1ef1c s\u1ef1 c\u1ea1nh tranh t\u1ed1t nh\u1ea5t, l\u00e0nh m\u1ea1nh nh\u1ea5t, trong \u0111\u00f3 c\u00f3 c\u1ea1nh tranh v\u1ec1 ph\u00ed d\u1ecbch v\u1ee5, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e2u chuy\u1ec7n v\u1edbi m\u1ea1ng \u0111i\u1ec7n tho\u1ea1i. Ph\u1ea3i l\u00e0m cho c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f4ng li\u00ean k\u1ebft v\u1edbi nhau t\u0103ng ph\u00ed, l\u00e0m cho c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea5n \u0111\u1ea5u gi\u1eef ph\u00ed \u1ed5n \u0111\u1ecbnh v\u00e0 gi\u1ea3m ph\u00ed n\u1ebfu c\u00f3 th\u1ec3, thay v\u00ec t\u0103ng ph\u00ed. Nh\u01b0ng n\u1ebfu bu\u1ed9c ph\u1ea3i t\u0103ng ph\u00ed, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 h\u1ee3p l\u00fd c\u1ee7a th\u1ecb tr\u01b0\u1eddng, th\u00ec l\u1ea1i kh\u00f4ng th\u1ec3 v\u00e0 kh\u00f4ng n\u00ean ng\u0103n c\u1ea5m. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng nh\u01b0 \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay. Ph\u1ea3i x\u00e2y \u0111\u01b0\u1ee3c c\u01a1 ch\u1ebf, sao cho c\u00f9ng m\u1ed9t th\u1eddi \u0111i\u1ec3m, ng\u01b0\u1eddi n\u00e0y kh\u00f4ng d\u00e1m t\u0103ng gi\u00e1, v\u00ec s\u1ee3 c\u00f3 k\u1ebb kh\u00e1c s\u1ebd s\u1eb5n s\u00e0ng h\u1ea1 gi\u00e1.<\/p>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n v\u00e0 kh\u00f4ng n\u00ean cho hay kh\u00f4ng cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i thu ph\u00ed ATM, c\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n x\u1eed ph\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng tu\u00e2n l\u1ec7nh ng\u1eebng thu ph\u00ed. V\u00ec nh\u1eefng h\u00e0nh vi n\u00e0y ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a c\u1ee7a ph\u00e1p lu\u1eadt (m\u00e0 quy \u0111\u1ecbnh th\u00ec kh\u00f4ng c\u00f3), ch\u1ee9 kh\u00f4ng th\u1ec3 c\u1ee9 ph\u00e1t ng\u00f4n v\u00e0 h\u00e0nh \u0111\u1ed9ng theo c\u1ea3m t\u00ednh, theo d\u01b0 lu\u1eadn. L\u00e0m tr\u00e1i v\u1edbi C\u00f4ng v\u0103n c\u1ee7a NHNN m\u00e0 kh\u00f4ng tr\u00e1i ph\u00e1p lu\u1eadt, th\u00ec NHNN ch\u1ec9 c\u00f3 quy\u1ec1n ghi s\u1ed5 \u0111en, ch\u1ee9 kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh ph\u1ea1m lu\u1eadt \u0111\u1ec3 x\u1eed ph\u1ea1t vi\u1ec7c l\u00e0m kh\u00f4ng sai lu\u1eadt.<\/p>\n<p>V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, n\u00ean c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed trong vi\u1ec7c thu ph\u00ed ATM, nh\u1ea5t l\u00e0 ph\u00ed r\u00fat ti\u1ec1n n\u1ed9i m\u1ea1ng. M\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p r\u1ea5t c\u1ea7n xem x\u00e9t, \u0111\u00f3 l\u00e0 ph\u00e2n lo\u1ea1i giao d\u1ecbch: T\u1eeb ch\u1ed7 kh\u00f4ng thu ph\u00ed, th\u00ec n\u00ean b\u1eaft \u0111\u1ea7u thu t\u1eeb t\u1eeb, \u1edf m\u1ee9c th\u1ea5p v\u00e0 thu \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p. Ch\u1eb3ng h\u1ea1n, r\u00fat t\u1eeb 1 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean, th\u00ec thu m\u1ed9t v\u00e0i ngh\u00ecn \u0111\u1ed3ng. R\u00fat d\u01b0\u1edbi 1 tri\u1ec7u \u0111\u1ed3ng, th\u00ec mi\u1ec5n ph\u00ed. Ng\u01b0\u1eddi \u0111\u00e3 r\u00fat ti\u1ec1n tri\u1ec7u, th\u00ec kh\u00f4ng bao gi\u1edd \u0111\u1eafn \u0111o v\u1edbi m\u1ee9c ph\u00ed m\u1ed9t v\u00e0i ng\u00e0n. C\u00f2n nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 thu nh\u1eadp th\u1ea5p (nh\u01b0 h\u01b0u tr\u00ed, sinh vi\u00ean, ng\u01b0\u1eddi ngh\u00e8o,\u2026) ho\u1eb7c k\u1ec3 c\u1ea3 ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u ti\u1ec1n, nh\u01b0ng r\u00fat \u00edt \u0111\u1ec3 l\u00e1ch ph\u00ed, th\u00ec c\u1ea7n \u01b0u \u0111\u00e3i v\u1edbi s\u1ef1 kh\u00f3 kh\u0103n th\u1eadt s\u1ef1 ho\u1eb7c ch\u00e2m ch\u01b0\u1edbc v\u1edbi c\u00e1ch t\u00ednh to\u00e1n chi ly c\u1ee7a h\u1ecd. Ng\u00e2n h\u00e0ng \u0111\u00e2u c\u00f3 b\u0103n kho\u0103n g\u00ec v\u1edbi vi\u1ec7c ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng tr\u1ef1c ti\u1ebfp r\u00fat ti\u1ec1n mi\u1ec5n ph\u00ed t\u1ea1i qu\u1ea7y giao d\u1ecbch t\u1eeb x\u01b0a \u0111\u1ebfn nay. Ph\u00ed truy v\u1ea5n, sao k\u00ea, nh\u1eafn tin,\u2026 th\u00ec lu\u00f4n ph\u1ea3i th\u1ea5p h\u01a1n ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t, v\u00ec l\u1ee3i \u00edch c\u00f3 \u0111\u01b0\u1ee3c v\u00e0 chi ph\u00ed ph\u1ea3i b\u1ecf ra c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y r\u00f5 r\u00e0ng l\u00e0 kh\u00e1c nhau.<\/p>\n<p>Nh\u01b0 v\u1eady, vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1edbi kh\u00f4ng thi\u1ec7t h\u1ea1i cho ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. V\u00e0 b\u00e0i tham lu\u1eadn n\u00e0y, tuy kh\u00f4ng b\u00eanh v\u1ef1c quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, nh\u01b0ng c\u0169ng kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn r\u1eb1ng, quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ebb ATM ch\u01b0a \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 m\u1ed9t c\u00e1ch \u0111\u00fang \u0111\u1eafn, c\u1ea7n thi\u1ebft v\u00e0 kh\u00e1ch quan.<\/p>\n<p>Ph\u00ed d\u1ecbch v\u1ee5 ATM \u0111\u00fang l\u00e0 \u201ck\u1ebb m\u00f3c t\u00fai\u201d ng\u01b0\u1eddi ti\u00eau d\u00f9ng, nh\u01b0ng \u201ck\u1ebb m\u00f3c t\u00fai\u201d \u1ea5y kh\u00f4ng ph\u1ea1m lu\u1eadt, kh\u00f4ng h\u1ec1 l\u00e0 k\u1ebb x\u1ea5u v\u00e0 kh\u00f4ng \u0111\u00e1ng b\u1ecb l\u00ean \u00e1n!<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>\u0110\u1ecba ch\u1ec9 li\u00ean h\u1ec7:<\/em><\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><em>\u0110C:\u00a0<\/em><em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em><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><em>HN<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><em>E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><em>\u0110T: 090.345.9070<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u0110i\u1ec1u 16 v\u1ec1 \u201cR\u00fat ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc h\u1ea1n\u201d, Quy ch\u1ebf Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN ng\u00e0y 13-9-2004 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN; \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 47\/2006\/Q\u0110-NHNN ng\u00e0y 25-9-2006 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 04\/2011\/TT-NHNN ng\u00e0y 10-3-2011.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; H\u1ed9i th\u1ea3o \u201cNh\u00ecn l\u1ea1i m\u1ed9t n\u0103m Lu\u1eadt B\u1ea3o v\u1ec7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 18-7-2012 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 hi\u1ec7u l\u1ef1c\u201d \u00a0 G\u1ea7n nh\u01b0 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, \u0111\u1ec1u \u0111ang l\u00e0 nh\u1eefng ch\u1ee7 \u0111\u1ec1 n\u00f3ng b\u1ecfng: D\u01b0 n\u1ee3, l\u00e3i su\u1ea5t, n\u1ee3 x\u1ea5u, ngo\u1ea1i t\u1ec7, v\u00e0ng, s\u00e1p nh\u1eadp, ph\u00ed ATM,&#8230; V\u00e0 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5938,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>159. Ph\u00ed d\u1ecbch v\u1ee5 ATM - &quot;K\u1ebb m\u00f3c t\u00fai&quot; ng\u01b0\u1eddi ti\u00eau d\u00f9ng.  - ANVI Law Firm<\/title>\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\/en\/159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]159. Ph\u00ed d\u1ecbch v\u1ee5 ATM - &quot;K\u1ebb m\u00f3c t\u00fai&quot; ng\u01b0\u1eddi ti\u00eau d\u00f9ng. [:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; H\u1ed9i th\u1ea3o \u201cNh\u00ecn l\u1ea1i m\u1ed9t n\u0103m Lu\u1eadt B\u1ea3o v\u1ec7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 18-7-2012 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 hi\u1ec7u l\u1ef1c\u201d \u00a0 G\u1ea7n nh\u01b0 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, \u0111\u1ec1u \u0111ang l\u00e0 nh\u1eefng ch\u1ee7 \u0111\u1ec1 n\u00f3ng b\u1ecfng: D\u01b0 n\u1ee3, l\u00e3i su\u1ea5t, n\u1ee3 x\u1ea5u, ngo\u1ea1i t\u1ec7, v\u00e0ng, s\u00e1p nh\u1eadp, ph\u00ed ATM,&#8230; V\u00e0 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung\/\" \/>\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=\"2012-07-18T07:39:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-09T07:42:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/download-4-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"259\" \/>\n\t<meta property=\"og:image:height\" content=\"194\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"26 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/159-phi-dich-vu-atm-ke-moc-tui-nguoi-tieu-dung\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"159. 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