{"id":8259,"date":"2021-01-05T14:15:36","date_gmt":"2021-01-05T07:15:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8259"},"modified":"2022-02-24T09:20:57","modified_gmt":"2022-02-24T02:20:57","slug":"2-675-vay-cam-co-so-tiet-kiem-dong-mo-hay-bat-den-xanh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-675-vay-cam-co-so-tiet-kiem-dong-mo-hay-bat-den-xanh\/","title":{"rendered":"2.675. Vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u00f3ng, m\u1edf hay ‘b\u1eadt \u0111\u00e8n xanh’?"},"content":{"rendered":"

(SG\u0110T) – D\u00f9 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 t\u1eebng khuy\u1ebfn c\u00e1o, song h\u00ecnh th\u1ee9c vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m v\u1eabn r\u1ea5t ph\u1ed5 bi\u1ebfn, th\u1eadm ch\u00ed c\u00f2n t\u0103ng m\u1ea1nh trong th\u1eddi gian g\u1ea7n \u0111\u00e2y do t\u00e1c \u0111\u1ed9ng b\u1edfi d\u1ecbch Covid-19 v\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) c\u0169ng mu\u1ed1n \u201cch\u1ea1y \u0111ua th\u00e0nh t\u00edch\u201d v\u00e0o th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m trong b\u1ed1i c\u1ea3nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng suy gi\u1ea3m.<\/h4>\n

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Vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u00f3ng, m\u1edf hay ‘b\u1eadt \u0111\u00e8n xanh’?<\/em><\/p>\n

Vay d\u1ec5 d\u00e0ng r\u1ee7i ro c\u0169ng d\u1ec5 \u0111\u1ebfn<\/strong><\/p>\n

Ch\u1ec9 c\u1ea7n l\u00ean Google g\u00f5 c\u1ee5m t\u1eeb \u201ccho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m\u201d, s\u1ebd hi\u1ec7n l\u00ean danh s\u00e1ch h\u00e0ng lo\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng gi\u1edbi thi\u1ec7u, qu\u1ea3ng c\u00e1o v\u1ec1 h\u00ecnh th\u1ee9c cho vay th\u1ebf ch\u1ea5p b\u1eb1ng ch\u00ednh s\u1ed5 ti\u1ebft ki\u1ec7m, v\u1edbi h\u1ea1n m\u1ee9c l\u00ean \u0111\u1ebfn 95% th\u1eadm ch\u00ed 100% gi\u00e1 tr\u1ecb s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f9ng v\u1edbi th\u1ee7 t\u1ee5c nhanh g\u1ecdn, \u0111\u01a1n gi\u1ea3n.<\/p>\n

\u0110i\u1ec1u n\u00e0y c\u0169ng c\u00f3 ngh\u0129a, n\u1ebfu s\u1ed5 ti\u1ebft ki\u1ec7m c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng l\u00e0 ch\u1ee5c t\u1ef7 \u0111\u1ed3ng, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay th\u1ebf ch\u1ea5p b\u1eb1ng s\u1ed5 c\u0169ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng g\u1ea7n s\u1ed1 \u0111\u00f3 m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i r\u00fat ti\u1ec1n t\u1eeb s\u1ed5 ti\u1ebft ki\u1ec7m. Kh\u00f4ng ch\u1ec9 v\u1eady, v\u1edbi h\u00ecnh th\u1ee9c cho vay n\u00e0y, th\u1ee7 t\u1ee5c r\u1ea5t \u0111\u01a1n gi\u1ea3n v\u00e0 NH c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n ngay l\u1eadp t\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n h\u1ecfi nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng, ho\u1eb7c ng\u01b0\u1eddi vay kh\u00f4ng c\u1ea7n k\u00ea khai b\u1ea5t k\u1ef3 \u0111i\u1ec1u g\u00ec v\u1ec1 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng.<\/p>\n

Th\u1ef1c t\u1ebf, nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m, sau \u0111\u00f3 c\u1ea7n ti\u1ec1n x\u1eed l\u00fd g\u1ea5p c\u00f4ng vi\u1ec7c, nh\u01b0ng n\u1ebfu r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n th\u00ec theo quy \u0111\u1ecbnh s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p. Do \u0111\u00f3 nhi\u1ec1u ng\u01b0\u1eddi ch\u1ecdn vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t vay cao h\u01a1n l\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n tr\u00ean s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng k\u1ef3 h\u1ea1n vay ng\u1eafn h\u01a1n.<\/p>\n

V\u1edbi c\u00e1ch l\u00e0m n\u00e0y, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i. \u1ede chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, NH cho vay c\u0169ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i khi l\u00e3i su\u1ea5t cho vay th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m \u1edf m\u1ee9c t\u1eeb 3-4%.<\/p>\n

Nh\u01b0ng kh\u00f4ng ph\u1ea3i khi n\u00e0o h\u00ecnh th\u1ee9c vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng l\u00e0 c\u00e2u chuy\u1ec7n \u201cwin-win\u201d cho c\u1ea3 hai b\u00ean. N\u0103m 2014, v\u1ee5 \u00e1n NHTMCP X\u00e2y d\u1ef1ng Vi\u1ec7t Nam (VNCB) \u0111\u00e3 l\u00e0m r\u00fang \u0111\u1ed9ng gi\u1edbi t\u00e0i ch\u00ednh – NH. V\u1ee5 \u00e1n \u0111\u00e3 khi\u1ebfn cho v\u1ecb ch\u1ee7 t\u1ecbch H\u0110QT c\u00f9ng nhi\u1ec1u l\u00e3nh \u0111\u1ea1o kh\u00e1c c\u1ee7a NH n\u00e0y d\u00ednh v\u00e0o v\u00f2ng lao l\u00fd v\u00e0 s\u1ef1 ph\u1ee9c t\u1ea1p k\u00e9o d\u00e0i \u0111\u1ebfn t\u1eadn m\u1ea5y n\u0103m sau \u0111\u00f3.<\/p>\n

M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn cho VNCB g\u1eb7p s\u1ef1 c\u1ed1 n\u00f3i tr\u00ean ch\u00ednh l\u00e0 c\u00e1ch l\u00e0m bi\u1ebfn t\u01b0\u1edbng vi\u1ec7c cho vay c\u1ea7m c\u1ed1 b\u1eb1ng ti\u1ec1n g\u1eedi. Trong v\u1ee5 \u00e1n, v\u1ecb ch\u1ee7 t\u1ecbch H\u0110QT NH n\u00e0y \u0111\u00e3 c\u1ea7m c\u1ed1 m\u1ed9t s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi l\u1edbn c\u1ee7a VNCB t\u1ea1i c\u00e1c NH kh\u00e1c, b\u1ea3o l\u00e3nh cho c\u00e1c kho\u1ea3n vay c\u1ee7a c\u00e1c c\u00f4ng ty n\u1eb1m trong li\u00ean minh c\u1ee7a m\u00ecnh (T\u1eadp \u0111o\u00e0n Thi\u00ean Thanh).<\/p>\n

Khi \u0111\u1ebfn h\u1ea1n, c\u00e1c c\u00f4ng ty con n\u00e0y kh\u00f4ng c\u00f3 ti\u1ec1n tr\u1ea3, NH thu n\u1ee3 b\u1eb1ng s\u1ed1 ti\u1ec1n c\u1ea7m c\u1ed1, d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i cho ch\u00ednh VNCB. C\u00e1o tr\u1ea1ng trong v\u1ee5 \u00e1n th\u1ec3 hi\u1ec7n r\u00f5 vi\u1ec7c th\u1ea9m \u0111\u1ecbnh c\u00e1c kho\u1ea3n vay tr\u00ean c\u1ee7a c\u00e1c NH \u0111\u1ec1u thi\u1ebfu tr\u00e1ch nhi\u1ec7m, \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t th\u1ea7n t\u1ed1c, qu\u1ea3n l\u00fd sau vay l\u1ecfng l\u1ebbo, \u0111\u1ec3 ng\u01b0\u1eddi \u0111i vay s\u1eed d\u1ee5ng v\u1ed1n sai m\u1ee5c \u0111\u00edch.<\/p>\n

Cho \u0111\u1ebfn t\u1eadn phi\u00ean x\u00e9t x\u1eed ph\u00fac th\u1ea9m, t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a kho\u1ea3n vay v\u00e0 s\u1ed1 ph\u1eadn c\u1ee7a kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1 v\u1eabn l\u00e0 s\u1ef1 tranh c\u00e3i k\u1ecbch li\u1ec7t gi\u1eefa c\u00e1c b\u00ean.<\/p>\n

Nh\u01b0ng kh\u00f4ng ri\u00eang g\u00ec T\u1eadp \u0111o\u00e0n Thi\u00ean Thanh n\u00f3i tr\u00ean, nhi\u1ec1u doanh nghi\u1ec7p (DN) c\u0169ng \u0111\u00e3 v\u00e0 \u0111ang s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c vay c\u1ea7m c\u1ed1 qua t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u201cl\u00e1ch\u201d lu\u1eadt. Gi\u1ea3 s\u1eed m\u1ed9t DN \u0111ang c\u00f3 nhu c\u1ea7u vay v\u1ed1n c\u1ee7a NH kho\u1ea3ng\u00a0 1 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u0110\u1ec3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t kho\u1ea3n vay n\u00e0y, h\u1ecd s\u1ebd ph\u1ea3i tr\u1ea3i qua r\u1ea5t nhi\u1ec1u b\u01b0\u1edbc trong quy tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng. Nh\u01b0ng h\u1ecd g\u1ea7n nh\u01b0 bi\u1ebft ch\u1eafc m\u00ecnh kh\u00f4ng ph\u1ea3i \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ec3 NH ch\u1ea5p thu\u1eadn kho\u1ea3n vay do kh\u00f4ng th\u1ec3 cung c\u1ea5p \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd nh\u01b0 NH y\u00eau c\u1ea7u do\u00a0 ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u00f4ng t\u1ed1t, ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 kh\u00f4ng t\u1ed1t\u2026<\/p>\n

Tr\u01b0\u1edbc t\u00ecnh th\u1ebf tr\u00ean, DN\u00a0 n\u00e0y thu\u00ea m\u1ed9t d\u1ecbch v\u1ee5 ho\u1eb7c m\u1ed9t ai \u0111\u00f3 m\u1edf s\u1ed5 ti\u1ebft ki\u1ec7m v\u1edbi kho\u1ea3n ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng 1 t\u1ef7 \u0111\u1ed3ng. Sau th\u1eddi gian ng\u1eafn, ng\u01b0\u1eddi thu\u00ea, d\u1ecbch v\u1ee5 thu\u00ea ti\u1ebfn h\u00e0nh l\u00e0m th\u1ee7 t\u1ee5c c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.<\/p>\n

V\u1edbi c\u00e1ch n\u00e0y, DN\u00a0 v\u1eeba \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t vay th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi \u0111i vay t\u00edn d\u1ee5ng \u0111en, \u0111\u1ed3ng th\u1eddi kh\u00f4ng ph\u1ea3i ch\u1ee9ng minh b\u1ea5t c\u1ee9 th\u1ee7 t\u1ee5c n\u00e0o trong to\u00e0n b\u1ed9 quy tr\u00ecnh ki\u1ec3m duy\u1ec7t kh\u1eaft khe khi ph\u00ea duy\u1ec7t kho\u1ea3n vay c\u1ee7a NH.<\/p>\n

T\u0103ng tr\u01b0\u1edfng \u1ea3o<\/strong><\/p>\n\n\n\n
C\u00f3 l\u1ebd \u0111\u00e3 \u0111\u1ebfn l\u00fac thay v\u00ec khuy\u1ebfn c\u00e1o, NHNN c\u1ea7n m\u1ea1nh tay v\u1edbi c\u00e1c h\u00e0nh vi c\u1ed1 \u00fd l\u1ee3i d\u1ee5ng vi\u1ec7c cho vay c\u1ea7m c\u1ed1 \u0111\u1ec3 bi\u1ebfn t\u01b0\u1edbng, l\u00e0m sai l\u1ec7ch c\u00e1c ch\u1ec9 s\u1ed1. \u0110\u00e2y c\u0169ng l\u00e0 c\u00e1ch \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho h\u1ec7 th\u1ed1ng NH.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u201cL\u1ed7 h\u1ed5ng\u201d c\u1ee7a h\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN nh\u1eadn ra v\u00e0 khuy\u1ebfn c\u00e1o. Song c\u00f3 v\u1ebb nh\u01b0 sau 1 n\u0103m tr\u00f4i qua, khuy\u1ebfn c\u00e1o tr\u00ean c\u1ee7a NHNN v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 NH quan t\u00e2m \u0111\u00fang m\u1ee9c.<\/p>\n

Th\u1ef1c t\u1ebf, kh\u00e1ch h\u00e0ng khi c\u00f3 nhu c\u1ea7u v\u1ed1n m\u00e0 s\u1ed5 ti\u1ebft ki\u1ec7m ch\u01b0a \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n c\u0169ng ch\u1ecdn ph\u01b0\u01a1ng \u00e1n c\u1ea7m c\u1ed1 s\u1ed5 \u0111\u1ec3 vay l\u1ea1i. C\u00e1c NH th\u00ec s\u1eb5n s\u00e0ng cho vay b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m b\u1edfi kh\u00f4ng c\u1ea7n ph\u1ea3i ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n qu\u00e1 kh\u1eaft khe nh\u01b0 h\u00ecnh th\u1ee9c vay c\u1ea7m c\u1ed1 b\u1eb1ng c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, khi NHNN \u0111\u01b0a ra l\u1ed9 tr\u00ecnh ti\u1ebfp t\u1ee5c gi\u1ea3m v\u1ed1n ng\u1eafn h\u1ea1n, thay v\u00e0o \u0111\u00f3 l\u00e0 cho vay trung – d\u00e0i h\u1ea1n, c\u00e1c NH l\u1ea1i c\u00e0ng khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m d\u00e0i ng\u00e0y v\u00e0 kh\u00f4ng t\u1eeb ch\u1ed1i vi\u1ec7c vay l\u1ea1i c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c k\u00edch th\u00edch khi nh\u1eadn \u0111\u01b0\u1ee3c xung l\u1ef1c t\u1eeb t\u00e1c \u0111\u1ed9ng b\u1edfi d\u1ecbch Covid-19 v\u00e0 do c\u00e1c NHTM c\u0169ng mu\u1ed1n \u201cch\u1ea1y \u0111ua th\u00e0nh t\u00edch\u201d v\u00e0o th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m trong b\u1ed1i c\u1ea3nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m nay tr\u00ean \u0111\u00e0 suy gi\u1ea3m m\u1ea1nh.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi \u0110TTC v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, cho bi\u1ebft hi\u1ec7n nay nhi\u1ec1u NH l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 th\u1eddi \u0111i\u1ec3m chu\u1ea9n b\u1ecb ch\u1ed1t s\u1ed1 li\u1ec7u. H\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt NH \u00e1p d\u1ee5ng, nh\u1ea5t l\u00e0 t\u1eeb khi NHNN giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p cho t\u1eebng NH v\u00e0 trong b\u1ed1i c\u1ea3nh t\u00edn d\u1ee5ng n\u0103m 2020 suy gi\u1ea3m do \u1ea3nh h\u01b0\u1edfng t\u1eeb d\u1ecbch Covid-19.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 khi NHNN giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, \u0111\u1ebfn cu\u1ed1i n\u0103m ch\u01b0a \u0111\u00e1p \u1ee9ng, th\u00ec NHTM c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng v\u00e0i \u201cv\u00f2ng vay-g\u1eedi\u201d c\u00f3 th\u1ec3 t\u0103ng v\u00e0i ph\u1ea7n tr\u0103m t\u00edn d\u1ee5ng t\u1eeb \u0111\u00f3 l\u00e0m n\u1ec1n \u0111\u1ec3 sang n\u0103m t\u1edbi \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau cao h\u01a1n. Ch\u1ec9 c\u1ea7n \u201cl\u00e1ch\u201d t\u1ea1o m\u1ed9t v\u00f2ng g\u1eedi ti\u1ebft ki\u1ec7m – c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m vay ti\u1ec1n, r\u1ed3i sau \u0111\u00f3 l\u1ea1i g\u1eedi ti\u1ec1n – vay ti\u1ec1n s\u1ebd khi\u1ebfn cho h\u1ec7 s\u1ed1 ti\u1ec1n g\u1eedi, ti\u1ec1n vay t\u0103ng theo c\u1ea5p s\u1ed1 nh\u00e2n l\u00ean nhi\u1ec1u l\u1ea7n, d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 \u1ea3o, ch\u1ec9 ti\u00eau kh\u1ed1ng.<\/p>\n

L\u01b0u Thu\u1ef7<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<\/em><\/p>\n

S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 (T\u00e0i ch\u00ednh) 05-01-2021:<\/em><\/p>\n

https:\/\/saigondautu.com.vn\/tai-chinh\/vay-cam-co-so-tiet-kiem-dong-mo-hay-bat-den-xanh-87136.html<\/em><\/a><\/p>\n

(90\/1.280)<\/em>","protected":false},"excerpt":{"rendered":"

(SG\u0110T) – D\u00f9 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 t\u1eebng khuy\u1ebfn c\u00e1o, song h\u00ecnh th\u1ee9c vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m v\u1eabn r\u1ea5t ph\u1ed5 bi\u1ebfn, th\u1eadm ch\u00ed c\u00f2n t\u0103ng m\u1ea1nh trong th\u1eddi gian g\u1ea7n \u0111\u00e2y do t\u00e1c \u0111\u1ed9ng b\u1edfi d\u1ecbch Covid-19 v\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) c\u0169ng mu\u1ed1n \u201cch\u1ea1y \u0111ua th\u00e0nh […]<\/p>\n","protected":false},"author":1,"featured_media":8260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-8259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.675. 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