{"id":4443,"date":"2016-02-01T12:34:06","date_gmt":"2016-02-01T19:34:06","guid":{"rendered":"https:\/\/luatsubaoho.com\/?p=4443"},"modified":"2018-08-14T10:06:55","modified_gmt":"2018-08-14T03:06:55","slug":"can-trong-mac-bay-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/can-trong-mac-bay-vay-tieu-dung\/","title":{"rendered":"C\u1ea9n tr\u1ecdng m\u1eafc b\u1eaby vay ti\u00eau d\u00f9ng"},"content":{"rendered":"\n

M\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3nh b\u00e1o nhi\u1ec1u l\u1ea7n song kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n v\u1eabn b\u1ecb \u201cm\u1eafc b\u1eaby\u201d khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng tr\u1ea3 g\u00f3p. Nh\u1eefng \u0111i\u1ec1u kho\u1ea3n b\u1ea5t l\u1ee3i c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng \u0111\u00e3 d\u1eabn \u0111\u1ebfn khi\u1ebfu n\u1ea1i trong l\u0129nh v\u1ef1c n\u00e0y gia t\u0103ng.<\/p>\n

M\u1eadp m\u1edd th\u00f4ng tin<\/strong><\/p>\n

L\u00e0 m\u1ed9t ng\u01b0\u1eddi ph\u1ea3i vay ti\u00eau d\u00f9ng nh\u01b0ng khi th\u1ea5y h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u1ed5n, anh Nguy\u1ec5n M\u1ea1nh Q. (Nam T\u1eeb Li\u00eam, TP H\u00e0 N\u1ed9i) \u0111\u00e3 g\u1eedi \u0111\u01a1n khi\u1ebfu n\u1ea1i \u0111\u1ebfn c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. Anh Nguy\u1ec5n M\u1ea1nh Q. cho bi\u1ebft: \u201cT\u00f4i \u0111\u1ebfn C\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n X. \u0111\u1ec3 vay ti\u1ec1n mua s\u1eafm m\u1ed9t s\u1ed1 thi\u1ebft b\u1ecb cho nh\u00e0 m\u1edbi, chu\u1ea9n b\u1ecb \u0111\u00f3n T\u1ebft. Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n r\u1ea5t nhanh sau \u0111\u00f3 b\u1ea3o t\u00f4i k\u00fd h\u1ee3p \u0111\u1ed3ng s\u1eb5n c\u00f3. H\u1ecd n\u00f3i nhi\u1ec1u ng\u01b0\u1eddi c\u0169ng \u0111\u00e3 k\u00fd vay nh\u01b0 v\u1eady n\u00ean t\u00f4i c\u00f3 th\u1ec3 y\u00ean t\u00e2m. Do ch\u1ee7 quan n\u00ean t\u00f4i k\u00fd lu\u00f4n, tuy nhi\u00ean khi c\u00f3 th\u1eddi gian \u0111\u1ecdc k\u1ef9, t\u00f4i th\u1ea5y l\u00e3i su\u1ea5t kh\u00f4ng h\u1ec1 th\u1ea5p nh\u01b0 t\u1edd r\u01a1i hay gi\u1edbi thi\u1ec7u, th\u00eam v\u00e0o \u0111\u00f3 c\u00e2u t\u1eeb c\u1ee7a h\u1ee3p \u0111\u1ed3ng r\u1ea5t m\u1eadp m\u1edd\u201d.<\/p>\n

Anh Nguy\u1ec5n M\u1ea1nh Q. ch\u1ec9 l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt tr\u01b0\u1eddng h\u1ee3p c\u00f3 khi\u1ebfu n\u1ea1i v\u1ec1 ho\u1ea1t \u0111\u1ed9ng vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng tr\u1ea3 g\u00f3p trong th\u1eddi gian g\u1ea7n \u0111\u00e2y. Theo \u0111\u1ea1i di\u1ec7n c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd C\u1ea1nh tranh, B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng, tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i nhi\u1ec1u nh\u1ea5t n\u0103m v\u1eeba qua. C\u00e1c h\u00e0nh vi c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu l\u00e0: nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u00f3 d\u1ea5u hi\u1ec7u cung c\u1ea5p th\u00f4ng tin g\u00e2y nh\u1ea7m l\u1eabn cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. V\u00ed d\u1ee5: m\u1eddi ch\u00e0o k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, c\u00f3 th\u1ec3 thanh l\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea5t c\u1ee9 th\u1eddi \u0111i\u1ec3m n\u00e0o hay th\u1ee7 t\u1ee5c thanh l\u00fd \u0111\u01a1n gi\u1ea3n.<\/p>\n

Khi k\u00fd k\u1ebft, nh\u00e2n vi\u00ean th\u01b0\u1eddng gi\u1ea3i th\u00edch qua loa, kh\u00f4ng giao h\u1ee3p \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp m\u00e0 g\u1eedi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd qua \u0111\u01b0\u1eddng b\u01b0u \u0111i\u1ec7n v\u1edbi th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t cao h\u01a1n, th\u01b0\u1eddng t\u1eeb 5-6%\/th\u00e1ng thay v\u00ec 1-2% nh\u01b0 gi\u1edbi thi\u1ec7u. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f2n c\u00f3 t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng ch\u1ecbu cung c\u1ea5p h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00ecm hi\u1ec3u tr\u01b0\u1edbc khi k\u00fd v\u00e0 l\u01b0u gi\u1eef sau khi k\u00fd. N\u1ebfu x\u1ea3y ra tranh ch\u1ea5p th\u00ec ng\u01b0\u1eddi vay l\u1ea1i kh\u00f3 li\u00ean l\u1ea1c v\u1edbi b\u00ean cho vay, c\u1ed1 t\u00ecnh k\u00e9o d\u00e0i th\u1eddi gian gi\u1ea3i quy\u1ebft hay th\u1ee7 t\u1ee5c l\u00f2ng v\u00f2ng g\u00e2y t\u1ed1n k\u00e9m, b\u1ee9c x\u00fac cho ng\u01b0\u1eddi vay. Ch\u01b0a k\u1ec3, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi vay c\u00f2n b\u1ecb qu\u1ea5y r\u1ed1i, d\u1ecda d\u1eabm, \u201ckh\u1ee7ng b\u1ed1\u201d \u0111i\u1ec7n tho\u1ea1i\u2026<\/p>\n

C\u1ea9n tr\u1ecdng \u201cl\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con\u201d<\/strong><\/p>\n

\u0110\u1ea1i di\u1ec7n C\u1ee5c Qu\u1ea3n l\u00fd C\u1ea1nh tranh, B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng cho r\u1eb1ng, \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro khi vay ti\u00eau d\u00f9ng, tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n l\u01b0u \u00fd 5 n\u1ed9i dung th\u00f4ng tin, g\u1ed3m: l\u00e3i su\u1ea5t; c\u00e1c kho\u1ea3n ph\u00ed; l\u00e3i ph\u1ea1t; th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3; thanh l\u00fd h\u1ee3p \u0111\u1ed3ng ho\u1eb7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng. \u201cTr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ch\u1ec9 c\u00f3 l\u00e3i su\u1ea5t cho vay cao , m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 c\u00e1c kho\u1ea3n ph\u00ed, chi ph\u00ed, \u0111\u01b0\u1ee3c t\u00ednh g\u1ed9p v\u00e0o kho\u1ea3n ti\u1ec1n ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 \u0111\u1ecbnh k\u1ef3. Tuy nhi\u00ean, ng\u01b0\u1eddi vay th\u01b0\u1eddng \u00edt \u0111\u01b0\u1ee3c cung c\u1ea5p th\u00f4ng tin v\u1ec1 c\u00e1c kho\u1ea3n ph\u00ed n\u00e0y. Ch\u00fang t\u00f4i c\u0169ng th\u1ea5y nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p m\u1ee9c ph\u1ea1t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng r\u1ea5t cao v\u00e0 ch\u1eb7t ch\u1ebd nh\u01b0ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n th\u01b0\u1eddng l\u1edd \u0111i n\u1ed9i dung n\u00e0y, d\u1eabn \u0111\u1ebfn thi\u1ec7t th\u00f2i cho ng\u01b0\u1eddi vay\u201d, \u0111\u1ea1i di\u1ec7n C\u1ee5c Qu\u1ea3n l\u00fd C\u1ea1nh tranh cho hay. Ngo\u00e0i ra, c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u00e0y tr\u1ea3 n\u1ee3 tr\u00f9ng v\u1edbi ng\u00e0y ngh\u1ec9, ng\u00e0y l\u1ec5, h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng khi\u1ebfn ng\u01b0\u1eddi vay b\u1ecb ph\u1ea1t v\u00ec tr\u1ea3 ch\u1eadm.<\/p>\n

\u0110\u1ea1i di\u1ec7n c\u1ee7a H\u1ed9i Ti\u00eau chu\u1ea9n v\u00e0 B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Vi\u1ec7t Nam (VINASTAS) khuy\u1ebfn ngh\u1ecb ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c vay n\u00e0y c\u1ea7n \u0111\u1ea3m b\u1ea3o thu nh\u1eadp \u1ed5n \u0111\u1ecbnh, \u00edt nh\u1ea5t l\u00e0 trong th\u1eddi gian vay \u0111\u1ec3 tr\u00e1nh b\u1ecb ph\u1ea1t hay b\u1ecb d\u1ecda d\u1eabm. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n l\u1ef1a ch\u1ecdn c\u00e1c t\u1ed5 ch\u1ee9c cho vay uy t\u00edn, t\u00ecm hi\u1ec3u k\u1ef9 th\u00f4ng tin qua c\u00e1c website, tham kh\u1ea3o h\u00ecnh th\u1ee9c vay v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 thu\u1eadn l\u1ee3i nh\u1ea5t cho c\u00f4ng vi\u1ec7c m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu c\u00e1c r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng c\u00f3. \u201cTrong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ti\u00eau d\u00f9ng k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, th\u00ec nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng l\u00e0m c\u0103n c\u1ee9 \u0111\u1ed1i chi\u1ebfu, so s\u00e1nh n\u1ebfu x\u1ea3y ra tranh ch\u1ea5p\u201d, \u0111\u1ea1i di\u1ec7n VINASTAS n\u00f3i.<\/p>\n

\"C\u1ea9n<\/p>\n

C\u1ea7n \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng khi vay ti\u00eau d\u00f9ng<\/strong><\/p>\n

T\u00e2m l\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111i vay th\u01b0\u1eddng ch\u1ec9 ch\u00fa tr\u1ecdng v\u00e0o vi\u1ec7c vay \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n m\u00ecnh c\u1ea7n n\u00ean th\u01b0\u1eddng b\u1ecf qua ho\u1eb7c kh\u00f4ng ch\u00fa \u00fd t\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n, \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, ch\u1ec9 \u0111\u1ebfn khi x\u1ea3y ra tranh ch\u1ea5p h\u1ecd m\u1edbi nh\u1eadn ra th\u00ec \u0111\u00e3 qu\u00e1 mu\u1ed9n. M\u1eb7t kh\u00e1c, kh\u00f4ng \u00edt ng\u01b0\u1eddi ti\u00eau d\u00f9ng sau khi th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng m\u1ed9t th\u1eddi gian th\u00ec c\u00f3 nhu c\u1ea7u thanh l\u00fd tr\u01b0\u1edbc th\u1eddi h\u1ea1n.<\/p>\n

Tuy nhi\u00ean, do trong h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y n\u00ean \u0111\u00e0nh\u2026ch\u1ecbu. \u0110\u1ec3 tr\u00e1nh r\u1ee7i ro, tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n xem x\u00e9t k\u1ef9 v\u1ec1 l\u00e3i su\u1ea5t vay v\u00e0 y\u00eau c\u1ea7u ghi r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t tr\u00ean h\u1ee3p \u0111\u1ed3ng, th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3, n\u1eafm r\u00f5 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ph\u00ed tr\u1ea3 ch\u1eadm khi ch\u01b0a k\u1ecbp thanh to\u00e1n n\u1ee3 \u0111\u00fang h\u1ea1n, nh\u1eefng h\u00e0nh vi c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t, m\u1ee9c ph\u1ea1t, c\u00e1ch th\u1ee9c t\u00ednh l\u00e3i ph\u1ea1t\u2026<\/p>\n

H\u1ea7u h\u1ebft c\u00e1c \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t th\u1ea5p ho\u1eb7c l\u00e3i su\u1ea5t 0% ch\u1ec9 \u00e1p d\u1ee5ng trong th\u1eddi gian ng\u1eafn, sau \u0111\u00f3 l\u00e3i su\u1ea5t s\u1ebd t\u0103ng v\u1ecdt. V\u00ec v\u1eady, \u0111\u1ec3 tr\u00e1nh g\u1eb7p kh\u00f3 kh\u0103n trong kh\u1ea3 n\u0103ng chi tr\u1ea3 sau n\u00e0y, ng\u01b0\u1eddi vay ch\u1ec9 n\u00ean t\u00ecm \u0111\u1ebfn vay ti\u00eau d\u00f9ng khi nhu c\u1ea7u v\u1ec1 t\u00e0i ch\u00ednh ch\u1ec9 b\u1ecb thi\u1ebfu h\u1ee5t m\u1ed9t ph\u1ea7n nh\u1ecf, c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 sau th\u1eddi gian ng\u1eafn. M\u1ed9t \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd n\u1eefa l\u00e0, ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng, h\u00f3a \u0111\u01a1n, t\u00e0i li\u1ec7u ch\u1ee9ng minh ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ea9n th\u1eadn. Khi ph\u00e1t sinh tranh ch\u1ea5p, b\u00ean vay c\u00f3 quy\u1ec1n khi\u1ebfu n\u1ea1i t\u1ea1i c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 gi\u1ea3i quy\u1ebft.
\nLu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ecb Thu<\/strong> (\u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u00e0 N\u1ed9i)<\/p>\n

C\u1ea7n h\u1ec7 th\u1ed1ng t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng cho ng\u01b0\u1eddi d\u00e2n<\/strong><\/p>\n

Tr\u00ean th\u1ebf gi\u1edbi, m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 \u1edf Vi\u1ec7t Nam, t\u1ee9c l\u00e0 hi\u1ec7n t\u1ea1i ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 \u0111\u1ee7 ti\u1ec1n, ph\u1ea3i d\u00f9ng n\u0103ng l\u1ef1c ki\u1ebfm ti\u1ec1n, s\u1ee9c s\u1ea3n xu\u1ea5t trong t\u01b0\u01a1ng lai \u0111\u1ec3 \u0111i vay \u2013 \u0111\u00f3 l\u00e0 tr\u1ea3 g\u00f3p. Ch\u1eb3ng h\u1ea1n nh\u01b0 \u1edf M\u1ef9, chi ti\u00eau gia \u0111\u00ecnh, c\u00e1 nh\u00e2n \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong GDP c\u1ee7a M\u1ef9 nh\u1edd t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam c\u0169ng theo xu h\u01b0\u1edbng n\u00e0y. Tuy nhi\u00ean, lu\u1eadt l\u1ec7 c\u1ee7a Vi\u1ec7t Nam nh\u00ecn b\u1ec1 ngo\u00e0i ch\u1eb7t ch\u1ebd nh\u01b0ng thi h\u00e0nh lu\u1eadt l\u1ea1i l\u1ecfng l\u1ebbo. C\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ki\u1ec3m so\u00e1t n\u1ed5i \u201ct\u00edn d\u1ee5ng \u0111en\u201d n\u00ean vi\u1ec7c vay ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1 cho t\u1ed5 ch\u1ee9c l\u1ee3i d\u1ee5ng.<\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ea7n \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch nh\u01b0ng kh\u00f4ng khuy\u1ebfn kh\u00edch c\u00e1c bi\u1ebfn t\u01b0\u1edbng c\u1ee7a n\u00f3, ch\u1eb3ng h\u1ea1n nh\u01b0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. C\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng ph\u1ea3i v\u00e0o cu\u1ed9c m\u1ea1nh m\u1ebd h\u01a1n, ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p \u0111\u1ec3 x\u1eed l\u00fd nh\u1eefng tr\u01b0\u1eddng h\u1ee3p tr\u1ee5c l\u1ee3i b\u1ea5t ch\u00ednh. C\u00e1c c\u01a1 quan, t\u1ed5 ch\u1ee9c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 c\u1ea3nh b\u00e1o ng\u01b0\u1eddi d\u00e2n v\u1ec1 nh\u1eefng th\u1ee7 thu\u1eadt m\u00e0 ng\u01b0\u1eddi d\u00e2n \u00edt bi\u1ebft \u0111\u1ebfn nh\u01b0: ph\u1ea3i \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd; Th\u1ee7 thu\u1eadt b\u1ecf tr\u1ed1ng l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng, k\u00fd xong m\u1edbi \u0111i\u1ec1n l\u00e3i su\u1ea5t; C\u00e1ch tr\u1ea3 n\u1ee3 v\u00e0 l\u00e3i ph\u1ea1t.<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng quan t\u00e2m l\u00e3i ph\u1ea1t m\u00e0 l\u00e3i ph\u1ea1t l\u1ea1i l\u00e0 c\u00e1i b\u1eaby. C\u00f3 th\u1ec3 l\u00e3i su\u1ea5t ban \u0111\u1ea7u r\u1ea5t th\u1ea5p nh\u01b0ng ch\u1ec9 c\u1ea7n 1 ng\u00e0y tr\u1ea3 ch\u1eadm th\u00ec l\u00e3i ph\u1ea1t \u0111\u00e3 kinh kh\u1ee7ng. Theo t\u00f4i, Vi\u1ec7t Nam c\u1ea7n c\u00f3 h\u1ec7 th\u1ed1ng t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng cho ng\u01b0\u1eddi d\u00e2n. Theo \u0111\u00f3, m\u1ed7i ng\u01b0\u1eddi d\u00e2n c\u00f3 1 h\u1ec7 th\u1ed1ng t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng, thu th\u1eadp, l\u01b0u tr\u1eef th\u00f4ng tin m\u1ed7i ng\u01b0\u1eddi n\u1ee3 ng\u00e2n h\u00e0ng bao nhi\u00eau, tr\u1ea3 n\u1ee3 th\u1ebf n\u00e0o, s\u1ed1 ch\u1ee9ng minh nh\u00e2n d\u00e2n ra sao\u2026<\/p>\n

T\u1eeb \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 cho vay nhanh ch\u00f3ng. Ng\u01b0\u1eddi d\u00e2n c\u0169ng bi\u1ebft \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh x\u1ea5u hay t\u1ed1t \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh. Vi\u1ec7c tri\u1ec3n khai h\u1ec7 th\u1ed1ng n\u00e0y kh\u00f4ng d\u1ec5, nh\u01b0ng ch\u00fang ta ph\u1ea3i b\u1eaft \u0111\u1ea7u v\u00ec kh\u00f4ng th\u1ec3 ch\u1ea7n ch\u1eeb \u0111\u01b0\u1ee3c n\u1eefa.
\n\u00d4ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu (Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng)<\/em><\/p>\n

theo baomoi.com<\/em><\/p>\n

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

M\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3nh b\u00e1o nhi\u1ec1u l\u1ea7n song kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n v\u1eabn b\u1ecb \u201cm\u1eafc b\u1eaby\u201d khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng tr\u1ea3 g\u00f3p. Nh\u1eefng \u0111i\u1ec1u kho\u1ea3n b\u1ea5t l\u1ee3i c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng \u0111\u00e3 d\u1eabn \u0111\u1ebfn khi\u1ebfu n\u1ea1i trong l\u0129nh v\u1ef1c n\u00e0y gia t\u0103ng. M\u1eadp m\u1edd th\u00f4ng tin L\u00e0 m\u1ed9t […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/4443"}],"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=4443"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/4443\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=4443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=4443"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=4443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}