{"id":11870,"date":"2018-07-16T14:11:18","date_gmt":"2018-07-16T07:11:18","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=11870"},"modified":"2021-02-07T07:15:15","modified_gmt":"2021-02-07T00:15:15","slug":"vay-tien-ngan-hang-khong-co-kha-nang-chi-tra-co-phai-ngoi-tu-khong","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/vay-tien-ngan-hang-khong-co-kha-nang-chi-tra-co-phai-ngoi-tu-khong\/","title":{"rendered":"Vay ti\u1ec1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u00f3 ph\u1ea3i ng\u1ed3i t\u00f9 kh\u00f4ng?"},"content":{"rendered":"\n

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Vay ti\u1ec1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u00f3 ph\u1ea3i ng\u1ed3i t\u00f9 kh\u00f4ng? ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m nh\u01b0 th\u1ebf n\u00e0o?<\/p>\n

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Ch\u00e0o c\u00f4ng ty lu\u1eadt, t\u00f4i xin h\u1ecfi: T\u00f4i Vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch kinh doanh nh\u01b0ng nh\u01b0ng b\u1ecb v\u1ee1 n\u1ee3 v\u00e0 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n th\u00ec t\u00f4i ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m nh\u01b0 th\u1ebf n\u00e0o?
C\u1ee5 th\u1ec3: T\u00f4i c\u00f3 vay c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n l\u00e0 4,4 t\u1ef7 \u0111\u1ed3ng, c\u00f3 th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf nh\u00e0 \u0111\u1ea5t, th\u1eddi h\u1ea1n tr\u1ea3 trong 24 th\u00e1ng, chia th\u00e0nh 6 l\u1ea7n tr\u1ea3. Tuy nhi\u00ean, hi\u1ec7n t\u1ea1i do c\u00f4ng vi\u1ec7c l\u00e0m \u0103n c\u1ee7a t\u00f4i g\u1eb7p kh\u00f3 kh\u0103n, n\u00ean t\u00f4i ch\u01b0a tr\u1ea3 h\u1ebft \u0111\u01b0\u1ee3c ti\u1ec1n cho ng\u00e2n h\u00e0ng. T\u1ed9i \u0111\u00e3 chi tr\u1ea3 s\u1ed1 ti\u1ec1n g\u1ed1c l\u00e0 2 t\u1ef7, h\u00f4n nay t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea5y tri\u1ec7u t\u1eadp l\u00e0m vi\u1ec7c c\u1ee7a c\u01a1 qua c\u00f4ng an v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng kh\u1edfi t\u1ed1 t\u00f4i. T\u00f4i kh\u00f4ng bi\u1ebft tr\u01b0\u1eddng h\u1ee3p n\u00e0y t\u00f4i c\u00f3 ph\u1ea3i ng\u1ed3i t\u00f9 kh\u00f4ng? Xin c\u1ea3m \u01a1n!<\/p>\n

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T\u01b0 v\u1ea5n: C\u0103n c\u1ee9 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 463 B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n: H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean cho vay giao t\u00e0i s\u1ea3n cho b\u00ean vay; khi \u0111\u1ebfn h\u1ea1n tr\u1ea3, b\u00ean vay ph\u1ea3i ho\u00e0n tr\u1ea3 cho b\u00ean cho vay t\u00e0i s\u1ea3n c\u00f9ng lo\u1ea1i theo \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.
\u0110i\u1ec1u 466 B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean vay:<\/p>\n

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\u201c\u0110i\u1ec1u 466. Ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay<\/em><\/strong>
1. B\u00ean vay t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n th\u00ec ph\u1ea3i tr\u1ea3 \u0111\u1ee7 ti\u1ec1n khi \u0111\u1ebfn h\u1ea1n; n\u1ebfu t\u00e0i s\u1ea3n l\u00e0 v\u1eadt th\u00ec ph\u1ea3i tr\u1ea3 v\u1eadt c\u00f9ng lo\u1ea1i \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.
2. Tr\u01b0\u1eddng h\u1ee3p b\u00ean vay kh\u00f4ng th\u1ec3 tr\u1ea3 v\u1eadt th\u00ec c\u00f3 th\u1ec3 tr\u1ea3 b\u1eb1ng ti\u1ec1n theo tr\u1ecb gi\u00e1 c\u1ee7a v\u1eadt \u0111\u00e3 vay t\u1ea1i \u0111\u1ecba \u0111i\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean cho vay \u0111\u1ed3ng \u00fd.
3. \u0110\u1ecba \u0111i\u1ec3m tr\u1ea3 n\u1ee3 l\u00e0 n\u01a1i c\u01b0 tr\u00fa ho\u1eb7c n\u01a1i \u0111\u1eb7t tr\u1ee5 s\u1edf c\u1ee7a b\u00ean cho vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.
4. Tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n l\u00e3i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.
5. Tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i nh\u01b0 sau:
a) L\u00e3i tr\u00ean n\u1ee3 g\u1ed1c theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay m\u00e0 \u0111\u1ebfn h\u1ea1n ch\u01b0a tr\u1ea3; tr\u01b0\u1eddng h\u1ee3p ch\u1eadm tr\u1ea3 th\u00ec c\u00f2n ph\u1ea3i tr\u1ea3 l\u00e3i theo m\u1ee9c l\u00e3i su\u1ea5t quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y;
b) L\u00e3i tr\u00ean n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n ch\u01b0a tr\u1ea3 b\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.\u201d<\/em><\/p>\n

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C\u0103n c\u1ee9 v\u00e0o c\u00e1c quy \u0111\u1ecbnh tr\u00ean c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec b\u1ea1n c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i (n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn) cho ng\u00e2n h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p qu\u00e1 th\u1eddi h\u1ea1n vay m\u00e0 b\u1ea1n kh\u00f4ng ch\u1ecbu tr\u1ea3, th\u00ec ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u c\u01a1 quan c\u00f4ng an ho\u1eb7c t\u00f2a \u00e1n nh\u00e2n d\u00e2n c\u00f3 th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng y\u00eau c\u1ea7u b\u1ea1n tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n vay. Tr\u01b0\u1eddng h\u01a1p b\u1ea1n kh\u00f4ng c\u00f3 \u0111\u1ee7 t\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay n\u00e0y, th\u00ec c\u01a1 quan t\u00f2a \u00e1n, thi h\u00e0nh \u00e1n s\u1ebd ti\u1ebfn h\u00e0nh c\u01b0\u1ee1ng ch\u1ebf t\u00e0i s\u1ea3n, phong t\u1ecfa, \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n\u2026 c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

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Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p b\u1ea1n ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ec3 chi tr\u1ea3 cho ng\u00e2n h\u00e0ng do c\u00f4ng vi\u1ec7c l\u00e0m \u0103n c\u1ee7a m\u00ecnh \u0111ang g\u1eb7p kh\u00f3 kh\u0103n, b\u1ea1n c\u00f3 th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n vi\u1ec7c b\u1ecf tr\u1ed1n th\u00ec b\u1ea1n kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1. C\u00f2n tr\u01b0\u1eddng h\u1ee3p c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3, nh\u01b0ng d\u00f9ng h\u00e0nh vi gian d\u1ed1i \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 th\u00ec b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 s\u1ebd b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 theo \u0111i\u1ec1u 175 c\u1ee7a B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 n\u0103m 2015 v\u1ec1 t\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n nh\u01b0 sau:<\/p>\n

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\u201c<\/em>\u0110i\u1ec1u 175. T\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n<\/em><\/strong>
1. Ng\u01b0\u1eddi n\u00e0o th\u1ef1c hi\u1ec7n m\u1ed9t trong c\u00e1c h\u00e0nh vi sau \u0111\u00e2y chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c tr\u1ecb gi\u00e1 t\u1eeb 4.000.000 \u0111\u1ed3ng \u0111\u1ebfn d\u01b0\u1edbi 50.000.000 \u0111\u1ed3ng ho\u1eb7c d\u01b0\u1edbi 4.000.000 \u0111\u1ed3ng nh\u01b0ng \u0111\u00e3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n ho\u1eb7c \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 t\u1ed9i n\u00e0y ho\u1eb7c v\u1ec1 m\u1ed9t trong c\u00e1c t\u1ed9i quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec1u 168, 169, 170, 171, 172, 173, 174 v\u00e0 290 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n t\u00edch m\u00e0 c\u00f2n vi ph\u1ea1m ho\u1eb7c t\u00e0i s\u1ea3n l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n ki\u1ebfm s\u1ed1ng ch\u00ednh c\u1ee7a ng\u01b0\u1eddi b\u1ecb h\u1ea1i v\u00e0 gia \u0111\u00ecnh h\u1ecd, th\u00ec b\u1ecb ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 03 n\u0103m ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 06 th\u00e1ng \u0111\u1ebfn 03 n\u0103m:
a) Vay, m\u01b0\u1ee3n, thu\u00ea t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c ho\u1eb7c nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c b\u1eb1ng h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng r\u1ed3i d\u00f9ng th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i ho\u1eb7c b\u1ecf tr\u1ed1n \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n \u0111\u00f3 ho\u1eb7c \u0111\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n m\u1eb7c d\u00f9 c\u00f3 \u0111i\u1ec1u ki\u1ec7n, kh\u1ea3 n\u0103ng nh\u01b0ng c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3;
b) Vay, m\u01b0\u1ee3n, thu\u00ea t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c ho\u1eb7c nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c b\u1eb1ng h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0111\u00e3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u00f3 v\u00e0o m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n.
2. Ph\u1ea1m t\u1ed9i thu\u1ed9c m\u1ed9t trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau \u0111\u00e2y, th\u00ec b\u1ecb ph\u1ea1t t\u00f9 t\u1eeb 02 n\u0103m \u0111\u1ebfn 07 n\u0103m:
a) C\u00f3 t\u1ed5 ch\u1ee9c;
b) C\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean nghi\u1ec7p;
c) Chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n tr\u1ecb gi\u00e1 t\u1eeb 50.000.000 \u0111\u1ed3ng \u0111\u1ebfn d\u01b0\u1edbi 200.000.000 \u0111\u1ed3ng;
d) L\u1ee3i d\u1ee5ng ch\u1ee9c v\u1ee5, quy\u1ec1n h\u1ea1n ho\u1eb7c l\u1ee3i d\u1ee5ng danh ngh\u0129a c\u01a1 quan, t\u1ed5 ch\u1ee9c;
\u0111) D\u00f9ng th\u1ee7 \u0111o\u1ea1n x\u1ea3o quy\u1ec7t;
e) G\u00e2y \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i;
g) T\u00e1i ph\u1ea1m nguy hi\u1ec3m.
3. Ph\u1ea1m t\u1ed9i chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n tr\u1ecb gi\u00e1 t\u1eeb 200.000.000 \u0111\u1ed3ng \u0111\u1ebfn d\u01b0\u1edbi 500.000.000 \u0111\u1ed3ng, th\u00ec b\u1ecb ph\u1ea1t t\u00f9 t\u1eeb 05 n\u0103m \u0111\u1ebfn 12 n\u0103m.
4. Ph\u1ea1m t\u1ed9i chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n tr\u1ecb gi\u00e1 500.000.000 \u0111\u1ed3ng tr\u1edf l\u00ean, th\u00ec b\u1ecb ph\u1ea1t t\u00f9 t\u1eeb 12 n\u0103m \u0111\u1ebfn 20 n\u0103m.
5. Ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i c\u00f2n c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 10.000.000 \u0111\u1ed3ng \u0111\u1ebfn 100.000.000 \u0111\u1ed3ng, c\u1ea5m \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5, c\u1ea5m h\u00e0nh ngh\u1ec1 ho\u1eb7c l\u00e0m c\u00f4ng vi\u1ec7c nh\u1ea5t \u0111\u1ecbnh t\u1eeb 01 n\u0103m \u0111\u1ebfn 05 n\u0103m ho\u1eb7c t\u1ecbch thu m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n.\u201d<\/em><\/p>\n

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Theo nh\u01b0 th\u00f4ng tin m\u00e0 b\u1ea1n cung c\u1ea5p, th\u00ec b\u1ea1n ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 kho\u1ea3n vay cho ng\u00e2n h\u00e0ng l\u00e0 do c\u00f4ng vi\u1ec7c l\u00e0m \u0103n kh\u00f3 kh\u0103n, thua l\u1ed7, kh\u00f4ng ph\u1ea3i do b\u1ea1n gian d\u1ed1i, c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3, v\u1eady tr\u01b0\u1eddng h\u1ee3p n\u00e0y b\u1ea1n kh\u00f4ng ph\u1ea3i ng\u1ed3i t\u00f9, kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1.<\/p>\n

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\u00bb T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n

\u00bb Lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i trong v\u1ee5 \u00e1n d\u00e2n s\u1ef1<\/a><\/p>\n

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Vay ti\u1ec1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u00f3 ph\u1ea3i ng\u1ed3i t\u00f9 kh\u00f4ng? ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m nh\u01b0 th\u1ebf n\u00e0o? Ch\u00e0o c\u00f4ng ty lu\u1eadt, t\u00f4i xin h\u1ecfi: T\u00f4i Vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch kinh doanh nh\u01b0ng nh\u01b0ng b\u1ecb v\u1ee1 n\u1ee3 v\u00e0 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n th\u00ec t\u00f4i […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/11870"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=11870"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/11870\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=11870"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=11870"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=11870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}