{"id":12686,"date":"2018-01-06T16:23:03","date_gmt":"2018-01-06T09:23:03","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=12686"},"modified":"2019-08-19T05:35:44","modified_gmt":"2019-08-18T22:35:44","slug":"quy-dinh-phap-luat-ve-vay-tin-chap-ngan-hang","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/quy-dinh-phap-luat-ve-vay-tin-chap-ngan-hang\/","title":{"rendered":"Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 Vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng"},"content":{"rendered":"\n

Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng. Hi\u1ec7n nay, ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn ch\u1ea5p \u0111ang di\u1ec5n ra ph\u1ed5 bi\u1ebfn. R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay t\u00edn ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a n\u1eafm ch\u1eafc \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 vay t\u00edn ch\u1ea5p. Do v\u1eady vay t\u00edn ch\u1ea5p l\u00e0 g\u00ec?<\/p>\n

1. Vay t\u00edn ch\u1ea5p l\u00e0 g\u00ec?<\/strong><\/p>\n

Vay t\u00edn ch\u1ea5p\u00a0l\u00e0 h\u00ecnh th\u1ee9c cho vay kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Theo \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd d\u1ef1a d\u1ef1a tr\u00ean uy t\u00edn c\u00e1 nh\u00e2n v\u00e0 \u0111\u01a1n v\u1ecb c\u00f4ng t\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 xem x\u00e9t c\u00f3 cho vay kh\u00f4ng.<\/p>\n

2. \u0110\u1eb7c \u0111i\u1ec3m vay t\u00edn ch\u1ea5p<\/strong><\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p c\u00f3 m\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m sau:<\/strong><\/p>\n

Vay t\u00edn ch\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c trong giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a m\u1ed1i quan h\u1ec7 gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay. \u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 t\u00edn nhi\u1ec7m, quan h\u1ec7 vay \u2013 cho vay ph\u1ea3i tr\u1ea3i qua m\u1ed9t th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

Th\u1ebf ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh cho\u00a0vay tr\u1ea3 g\u00f3p\u00a0t\u00edn ch\u1ea5p\u00a0thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi cho vay. B\u1edfi l\u1ebd, khi v\u00e0 ch\u1ec9 khi ng\u01b0\u1eddi cho vay c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ed9 tin c\u1eady r\u1ea5t cao \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay m\u1edbi c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh cho vay t\u00edn ch\u1ea5p.<\/p>\n

Ng\u01b0\u1eddi vay (c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p) \u0111\u00f3ng m\u1ed9t vai tr\u00f2 to l\u1edbn trong qu\u00e1 tr\u00ecnh t\u1ea1o ra s\u1ef1 t\u00edn nhi\u1ec7m \u0111\u1ec3 c\u00f3 th\u1ec3 vay t\u00edn ch\u1ea5p. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ch\u00ednh ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00f3 hi\u1ec7u qu\u1ea3 v\u00e0 s\u1ef1 minh b\u1ea1ch c\u1ee7a doanh nghi\u1ec7p l\u1ea1i l\u00e0 nh\u00e2n t\u1ed1 quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh cho vay t\u00edn ch\u1ea5p.<\/p>\n

S\u1ef1 t\u00edn nhi\u1ec7m (\u201ct\u00e0i s\u1ea3n\u201d \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay) l\u1ea1i l\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh, kh\u00f4ng th\u1ec3 \u0111em \u0111\u1ea5u gi\u00e1 \u0111\u1ec3 thu h\u1ed3i v\u1ed1n cho vay. V\u00ec v\u1eady, quy\u1ebft \u0111\u1ecbnh cho vay t\u00edn ch\u1ea5p c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n \u0111\u1eb7c bi\u1ec7t c\u1ea9n tr\u1ecdng.<\/p>\n

3. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 vay t\u00edn ch\u1ea5p<\/strong><\/p>\n

\u2013 Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/strong><\/p>\n

C\u0103n c\u1ee9 theo \u0110i\u1ec1u 476\u00a0B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2005\u00a0quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t nh\u01b0 sau:<\/p>\n

\u0110i\u1ec1u 476. L\u00e3i su\u1ea5t<\/strong><\/p>\n

1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

2. Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ho\u1eb7c c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.<\/p>\n

Theo \u0111\u00f3, m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo\u00a0Quy\u1ebft \u0111\u1ecbnh 2868\/Q\u0110-NHNN\u00a0c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, k\u1ec3 t\u1eeb ng\u00e0y 01 th\u00e1ng 12 n\u0103m 2010, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9%\/n\u0103m.<\/p>\n

Nh\u01b0 v\u1eady l\u00e3i su\u1ea5t cho vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1: 9% x 1,5 = 13,5%\/n\u0103m.<\/p>\n

\u2013 Quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c vay t\u00edn ch\u1ea5p:
<\/strong>H\u00ecnh th\u1ee9c vay t\u00edn ch\u1ea5p \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u 372, \u0110i\u1ec1u 373 \u2013 B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 2005. C\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n

\u0110i\u1ec1u 372. B\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p c\u1ee7a t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i<\/strong><\/p>\n

T\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i t\u1ea1i c\u01a1 s\u1edf c\u00f3 th\u1ec3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p cho c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh, l\u00e0m d\u1ecbch v\u1ee5 theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

\u0110i\u1ec1u 373. H\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p<\/strong><\/p>\n

Vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh v\u0103n b\u1ea3n c\u00f3 ghi r\u00f5 s\u1ed1 ti\u1ec1n vay, m\u1ee5c \u0111\u00edch vay, th\u1eddi h\u1ea1n vay, l\u00e3i su\u1ea5t, quy\u1ec1n, ngh\u0129a v\u1ee5 v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi vay, ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay v\u00e0 t\u1ed5 ch\u1ee9c b\u1ea3o \u0111\u1ea3m.<\/p>\n

\u2013 Quy \u0111\u1ecbnh x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh:<\/strong><\/p>\n

X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh khi vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt khi vay t\u00edn ch\u1ea5p<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 15\u00a0Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP\u00a0th\u00ec c\u00f3 c\u00e1c m\u1ee9c x\u1eed ph\u1ea1t t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c h\u00e0nh vi sau:<\/p>\n

1. Ph\u1ea1t ti\u1ec1n t\u1eeb\u00a010.000.000 \u0111\u1ed3ng \u0111\u1ebfn 15.000.000 \u0111\u1ed3ng<\/strong><\/em>\u00a0\u0111\u1ed1i v\u1edbi m\u1ed9t trong c\u00e1c h\u00e0nh vi vi ph\u1ea1m sau \u0111\u00e2y:
a) L\u01b0u gi\u1eef h\u1ed3 s\u01a1 c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;
b) Ph\u00e1t h\u00e0nh cam k\u1ebft b\u1ea3o l\u00e3nh kh\u00f4ng theo m\u1eabu do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i thi\u1ebft k\u1ebf.<\/p>\n

2. Ph\u1ea1t ti\u1ec1n t\u1eeb\u00a015.000.000 \u0111\u1ed3ng \u0111\u1ebfn 20.000.000 \u0111\u1ed3ng<\/strong><\/em>\u00a0\u0111\u1ed1i v\u1edbi h\u00e0nh vi kh\u00f4ng ki\u1ec3m tra, gi\u00e1m s\u00e1t s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

3. Ph\u1ea1t ti\u1ec1n t\u1eeb\u00a020.000.000 \u0111\u1ed3ng \u0111\u1ebfn 30.000.000 \u0111\u1ed3ng<\/strong><\/em>\u00a0\u0111\u1ed1i v\u1edbi m\u1ed9t trong c\u00e1c h\u00e0nh vi vi ph\u1ea1m sau \u0111\u00e2y:
a) L\u1eadp h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u1ee7 c\u00e1c n\u1ed9i dung theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;
b) Mi\u1ec5n, gi\u1ea3m l\u00e3i su\u1ea5t c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;
c) C\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;
d) \u00c1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

4. Ph\u1ea1t ti\u1ec1n t\u1eeb\u00a030.000.000 \u0111\u1ed3ng \u0111\u1ebfn 60.000.000 \u0111\u1ed3ng<\/strong><\/em>\u00a0\u0111\u1ed1i v\u1edbi m\u1ed9t trong c\u00e1c h\u00e0nh vi vi ph\u1ea1m sau \u0111\u00e2y:<\/p>\n

a) C\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng ho\u1eb7c th\u1ecfa thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n;
b) Thu kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00e1c lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng;
c) \u00c9p kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng ti\u1ec1n vay g\u1eedi l\u1ea1i ch\u00ednh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

5. Ph\u1ea1t ti\u1ec1n t\u1eeb\u00a080.000.000 \u0111\u1ed3ng \u0111\u1ebfn 150.000.000 \u0111\u1ed3ng<\/strong><\/em>\u00a0\u0111\u1ed1i v\u1edbi m\u1ed9t trong c\u00e1c h\u00e0nh vi vi ph\u1ea1m sau \u0111\u00e2y:
a) C\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;
b) C\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 1 \u0110i\u1ec1u 127\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;
c) Vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng t\u1ea1i Kho\u1ea3n 3 \u0110i\u1ec1u 127 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;
d) Vay v\u1ed1n th\u00f4ng qua kh\u00e1ch h\u00e0ng vay;
\u0111) K\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh, cam k\u1ebft b\u1ea3o l\u00e3nh kh\u00f4ng \u0111\u00fang th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Theo \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 c\u00e1c h\u00e0nh vi tr\u00ean th\u00ec s\u1ebd b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1edbi m\u1ee9c t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

theo thebank.vn<\/em><\/p>\n

\u00bb Vay ti\u1ec1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3<\/a><\/p>\n

\u00bb T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng. Hi\u1ec7n nay, ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn ch\u1ea5p \u0111ang di\u1ec5n ra ph\u1ed5 bi\u1ebfn. R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay t\u00edn ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a n\u1eafm ch\u1eafc \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 […]<\/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\/12686"}],"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=12686"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/12686\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=12686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=12686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=12686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}