{"id":6244899,"date":"2021-10-28T07:52:42","date_gmt":"2021-10-28T07:52:42","guid":{"rendered":"https:\/\/yp.vn\/?p=6244899"},"modified":"2021-10-28T15:07:29","modified_gmt":"2021-10-28T08:07:29","slug":"ngan-hang-chinh-sach-xa-hoi-la-gi-muc-lai-suat-cua-ngan-hang-chinh-sach-xa-hoi","status":"publish","type":"post","link":"https:\/\/yp.com.vn\/ngan-hang-chinh-sach-xa-hoi-la-gi-muc-lai-suat-cua-ngan-hang-chinh-sach-xa-hoi\/","title":{"rendered":"Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i l\u00e0 g\u00ec ? M\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch<\/a> x\u00e3 h\u1ed9i \u0111\u00e3 \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb n\u0103m 2002, nh\u01b0ng m\u1ee5c \u0111\u00edch ho\u1ea1t \u0111\u1ed9ng v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5. Th\u00f4ng qua b\u00e0i vi\u1ebft n\u00e0y C\u00f4ng ty Lu\u1eadt Minh Khu\u00ea hi v\u1ecdng s\u1ebd cung c\u1ea5p th\u00eam ki\u1ebfn th\u1ee9c cho qu\u00fd b\u1ea1n \u0111\u1ecdc.<\/strong><\/p><\/blockquote>\n

1. Kh\u00e1i ni\u1ec7m ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch ?<\/h2>\n

Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch tr\u01b0\u1edbc \u0111\u00e2y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o, \u0111\u1eb7t trong Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 525\/Q\u0110-TTg ng\u00e0y 31\/8\/1995 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7; l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng thu\u1ed9c s\u1edf h\u1eefu nh\u00e0 n\u01b0\u1edbc, ho\u1ea1t \u0111\u1ed9ng trong ph\u1ea1m vi c\u1ea3 n\u01b0\u1edbc, c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7, c\u00f3 t\u00e0i s\u1ea3n, c\u00f3 b\u1ea3ng c\u00e2n \u0111\u1ed1i, c\u00f3 con d\u1ea5u; tr\u1ee5 s\u1edf ch\u00ednh \u0111\u1eb7t t\u1ea1i H\u00e0 N\u1ed9i. V\u1ed1n \u0111i\u1ec1u l\u1ec7 ban \u0111\u1ea7u l\u00e0 5 ng\u00e0n t\u1ec9 \u0111\u1ed3ng, \u0111\u01b0\u1ee3c c\u1ea5p b\u1ed5 sung ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng t\u1eebng th\u1eddi k\u00ec.<\/p>\n

Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o c\u00f3 ch\u1ee9c n\u0103ng khai th\u00e1c c\u00e1c ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n trong n\u01b0\u1edbc v\u00e0 ngo\u00e0i n\u01b0\u1edbc, ti\u1ebfp nh\u1eadn c\u00e1c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng c\u1ee7a Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c ngu\u1ed3n v\u1ed1n kh\u00e1c \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p \u0111\u1ec3 l\u1eadp qu\u1ef9 cho ng\u01b0\u1eddi ngh\u00e8o vay, th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o. Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o v\u00ec m\u1ee5c ti\u00eau x\u00f3a \u0111\u00f3i, gi\u1ea3m ngh\u00e8o, kh\u00f4ng v\u00ec m\u1ee5c \u0111\u00edch l\u1ee3i nhu\u1eadn, th\u1ef1c hi\u1ec7n b\u1ea3o to\u00e0n v\u1ed1n ban \u0111\u1ea7u, ph\u00e1t tri\u1ec3n v\u1ed1n, b\u00f9 \u0111\u1eafp chi ph\u00ed. Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o th\u1ef1c hi\u1ec7n cho vay tr\u1ef1c ti\u1ebfp \u0111\u1ed1i v\u1edbi h\u1ed9 ngh\u00e8o c\u00f3 s\u1ee9c lao \u0111\u1ed9ng nh\u01b0ng thi\u1ebfu v\u1ed1n, \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t, kh\u00f4ng ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, c\u00f3 ho\u00e0n tr\u1ea3 v\u1ed1n vay v\u00e0 theo l\u00e3i su\u1ea5t quy \u0111\u1ecbnh.<\/p>\n

Ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o \u0111\u01b0\u1ee3c x\u00e9t mi\u1ec5n gi\u1ea3m thu\u1ebf doanh thu (thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng) v\u00e0 thu\u1ebf l\u1ee3i t\u1ee9c (thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p), \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o. C\u00e1c r\u1ee7i ro b\u1ea5t kh\u1ea3 kh\u00e1ng trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp b\u1eb1ng qu\u1ef9 b\u00f9 \u0111\u1eafp r\u1ee7i ro theo quy ch\u1ebf t\u00e0i ch\u00ednh c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n

T\u1ea1i Ngh\u1ecb quy\u1ebft s\u1ed1 05-NQ\/HNTW, ng\u00e0y 10\/6\/1993 H\u1ed9i ngh\u1ecb l\u1ea7n th\u1ee9 n\u0103m Ban ch\u1ea5p h\u00e0nh Trung \u01b0\u01a1ng \u0110\u1ea3ng kh\u00f3a VII, v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c \u0111\u1ed5i m\u1edbi v\u00e0 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i n\u00f4ng th\u00f4n, \u0110\u1ea3ng ta ch\u1ee7 tr\u01b0\u01a1ng c\u00f3 ch\u1ebf \u0111\u1ed9 t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i \u0111\u1ed1i v\u1edbi h\u1ed9 ngh\u00e8o, h\u1ed9 ch\u00ednh s\u00e1ch, v\u00f9ng ngh\u00e8o, v\u00f9ng d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1, v\u00f9ng cao, v\u00f9ng c\u0103n c\u1ee9 c\u00e1ch m\u1ea1ng; m\u1edf r\u1ed9ng h\u00ecnh th\u1ee9c cho vay th\u00f4ng qua t\u00edn ch\u1ea5p \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ed9 ngh\u00e8o\u2026<\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n c\u00f3 hi\u1ec7u qu\u1ea3 Ngh\u1ecb quy\u1ebft c\u1ee7a \u0110\u1ea3ng v\u00e0 Chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 x\u00f3a \u0111\u00f3i gi\u1ea3m ngh\u00e8o, th\u00e1ng 3 n\u0103m 1995, Ch\u00ednh ph\u1ee7 \u0111\u00e3 th\u00e0nh l\u1eadp Qu\u1ef9 cho vay \u01b0u \u0111\u00e3i h\u1ed9 ngh\u00e8o v\u1edbi s\u1ed1 v\u1ed1n ban \u0111\u1ea7u l\u00e0 400 t\u1ef7 \u0111\u1ed3ng, do Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n, Ng\u00e2n h\u00e0ng Ngo\u1ea1i th\u01b0\u01a1ng v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng g\u00f3p. Qu\u1ef9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho vay h\u1ed9 ngh\u00e8o thi\u1ebfu v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, m\u1ee9c cho vay 500.000 \u0111\u1ed3ng\/h\u1ed9, ng\u01b0\u1eddi vay kh\u00f4ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay.Ng\u00e0y 31\/8\/1995, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 525\/Q\u0110-TTg v\u1ec1 vi\u1ec7c th\u00e0nh l\u1eadp Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o, \u0111\u1eb7t trong Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n Vi\u1ec7t Nam (NHNo&PTNT Vi\u1ec7t Nam), ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng v\u00ec m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn, \u0111\u1ec3 cung c\u1ea5p ngu\u1ed3n v\u1ed1n \u01b0u \u0111\u00e3i cho h\u1ed9 ngh\u00e8o thi\u1ebfu v\u1ed1n s\u1ea3n xu\u1ea5t.V\u1edbi m\u00f4 h\u00ecnh t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 t\u1eeb Trung \u01b0\u01a1ng \u0111\u1ebfn \u0111\u1ecba ph\u01b0\u01a1ng tr\u00ean c\u01a1 s\u1edf t\u1eadn d\u1ee5ng b\u1ed9 m\u00e1y v\u00e0 m\u00e0ng l\u01b0\u1edbi s\u1eb5n c\u00f3 c\u1ee7a NHNo&PTNT Vi\u1ec7t Nam, Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o \u0111\u00e3 thi\u1ebft l\u1eadp \u0111\u01b0\u1ee3c k\u00eanh t\u00edn d\u1ee5ng ri\u00eang \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho c\u00e1c h\u1ed9 ngh\u00e8o \u1edf Vi\u1ec7t Nam v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ee3p l\u00fd, gi\u00fap h\u1ed9 ngh\u00e8o c\u00f3 v\u1ed1n s\u1ea3n xu\u1ea5t, t\u1ea1o c\u00f4ng \u0103n vi\u1ec7c l\u00e0m, t\u0103ng thu nh\u1eadp, t\u1eebng b\u01b0\u1edbc l\u00e0m quen v\u1edbi n\u1ec1n s\u1ea3n xu\u1ea5t h\u00e0ng ho\u00e1 v\u00e0 c\u00f3 \u0111i\u1ec1u ki\u1ec7n tho\u00e1t kh\u1ecfi \u0111\u00f3i ngh\u00e8o.<\/p>\n

Tuy nhi\u00ean, t\u1eeb b\u1ed9 ph\u1eadn qu\u1ea3n tr\u1ecb \u0111\u1ebfn b\u1ed9 ph\u1eadn \u0111i\u1ec1u h\u00e0nh c\u1ee7a Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o \u0111\u1ec1u l\u00e0m vi\u1ec7c theo ch\u1ebf \u0111\u1ed9 ki\u00eam nhi\u1ec7m n\u00ean r\u1ea5t \u00edt th\u1eddi gian \u0111\u1ec3 nghi\u00ean c\u1ee9u nh\u1eefng v\u1ea5n \u0111\u1ec1 th\u1ef1c ti\u1ec5n, h\u1ea1n ch\u1ebf c\u00f4ng vi\u1ec7c nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t ch\u00ednh s\u00e1ch, c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh. M\u1ecdi ho\u1ea1t \u0111\u1ed9ng v\u1ec1 nghi\u00ean c\u1ee9u, \u0111\u1ec1 xu\u1ea5t c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch \u0111\u1ec1u giao cho ban \u0111i\u1ec1u h\u00e0nh nghi\u00ean c\u1ee9u so\u1ea1n th\u1ea3o trong khi ban \u0111i\u1ec1u h\u00e0nh \u0111ang thu\u1ed9c NHNo&PTNT Vi\u1ec7t Nam. Nh\u01b0 v\u1eady, kh\u00f4ng t\u00e1ch \u0111\u01b0\u1ee3c ch\u1ee9c n\u0103ng ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch v\u00e0 \u0111i\u1ec1u h\u00e0nh theo ch\u00ednh s\u00e1ch.H\u01a1n n\u1eefa, b\u00ean c\u1ea1nh Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o, ngu\u1ed3n v\u1ed1n t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c c\u00f2n \u0111\u01b0\u1ee3c giao cho nhi\u1ec1u c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc, h\u1ed9i \u0111o\u00e0n th\u1ec3 v\u00e0 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong><\/a> Nh\u00e0 n\u01b0\u1edbc c\u00f9ng th\u1ef1c hi\u1ec7n theo c\u00e1c k\u00eanh kh\u00e1c nhau, l\u00e0m cho ngu\u1ed3n l\u1ef1c c\u1ee7a Nh\u00e0 n\u01b0\u1edbc b\u1ecb ph\u00e2n t\u00e1n, ch\u1ed3ng ch\u00e9o, tr\u00f9ng l\u1eafp, th\u1eadm ch\u00ed c\u1ea3n tr\u1edf l\u1eabn nhau. B\u00ean c\u1ea1nh ngu\u1ed3n v\u1ed1n cho vay h\u1ed9 ngh\u00e8o \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o v\u00e0 NHNo&PTNT Vi\u1ec7t Nam th\u1ef1c hi\u1ec7n th\u00ec th\u1ef1c t\u1ebf c\u00f2n c\u00f3: ngu\u1ed3n v\u1ed1n cho vay gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m do Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd v\u00e0 cho vay; ngu\u1ed3n v\u1ed1n cho vay \u0111\u1ed1i v\u1edbi h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n do Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng th\u1ef1c hi\u1ec7n; ngu\u1ed3n v\u1ed1n cho vay \u01b0u \u0111\u00e3i c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 h\u1ed9 s\u1ea3n xu\u1ea5t, kinh doanh thu\u1ed9c h\u1ea3i \u0111\u1ea3o, thu\u1ed9c khu v\u1ef1c II, III mi\u1ec1n n\u00fai, c\u00e1c x\u00e3 \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n thu\u1ed9c Ch\u01b0\u01a1ng tr\u00ecnh 135 c\u1ee7a Ch\u00ednh ph\u1ee7\u2026Vi\u1ec7c h\u00ecnh th\u00e0nh c\u00e1c ngu\u1ed3n v\u1ed1n cho vay ch\u00ednh s\u00e1ch n\u1eb1m r\u1ea3i r\u00e1c \u1edf nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u1edbi c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd kh\u00e1c nhau \u0111\u00e3 g\u00e2y nhi\u1ec1u tr\u1edf ng\u1ea1i cho qu\u00e1 tr\u00ecnh ki\u1ec3m so\u00e1t c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, kh\u00f4ng t\u00e1ch b\u1ea1ch \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch v\u1edbi t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i. \u0110\u1ec3 tri\u1ec3n khai Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch; c\u00e1c ngh\u1ecb quy\u1ebft c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0110\u1ea3ng IX, ngh\u1ecb quy\u1ebft k\u1ef3 h\u1ecdp th\u1ee9 6 Qu\u1ed1c h\u1ed9i kho\u00e1 X v\u1ec1 vi\u1ec7c s\u1edbm ho\u00e0n thi\u1ec7n t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NHCSXH, t\u00e1ch t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i ra kh\u1ecfi t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i; \u0111\u1ed3ng th\u1eddi th\u1ef1c hi\u1ec7n cam k\u1ebft v\u1edbi Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB), Qu\u1ef9 ti\u1ec1n t\u1ec7 th\u1ebf gi\u1edbi (IMF) v\u1ec1 vi\u1ec7c th\u00e0nh l\u1eadp Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch; ng\u00e0y 04\/10\/2002, Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP v\u1ec1 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 k\u00fd Quy\u1ebft \u0111\u1ecbnh s\u1ed1 131\/2002\/Q\u0110-TTg v\u1ec1 vi\u1ec7c th\u00e0nh l\u1eadp NHCSXH tr\u00ean c\u01a1 s\u1edf t\u1ed5 ch\u1ee9c l\u1ea1i Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o, t\u00e1ch kh\u1ecfi NHNo&PTNT Vi\u1ec7t Nam.<\/p>\n

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2. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i Vi\u1ec7t Nam<\/strong><\/h2>\n

Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch<\/a> x\u00e3 h\u1ed9i Vi\u1ec7t Nam c\u00f3 h\u1ec7 th\u1ed1ng giao d\u1ecbch t\u1eeb trung \u01b0\u01a1ng \u0111\u1ebfn \u0111\u1ecba ph\u01b0\u01a1ng. C\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c g\u1ed3m: tr\u1ee5 s\u1edf ch\u00ednh \u0111\u1eb7t t\u1ea1i H\u00e0 N\u1ed9i, ch\u1ec9 nh\u00e1nh \u0111\u1eb7t t\u1ea1i c\u00e1c t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c trung \u01b0\u01a1ng. H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb g\u1ed3m c\u00f3 12 th\u00e0nh vi\u00ean, trong \u0111\u00f3 c\u00f3 9 th\u00e0nh vi\u00ean ki\u00eam nhi\u1ec7m, do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam l\u00e0m Ch\u1ee7 t\u1ecbch; 3 th\u00e0nh vi\u00ean chuy\u00ean tr\u00e1ch gi\u1eef ch\u1ee9c Ph\u00f3 Ch\u1ee7 t\u1ecbch th\u01b0\u1eddng tr\u1ef1c, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c, Tr\u01b0\u1edfng ban ki\u1ec3m so\u00e1t.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i kh\u00f4ng v\u00ec m\u1ee5c \u0111\u00edch l\u1ee3i nhu\u1eadn, \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng thanh to\u00e1n, t\u1ec8 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c b\u1eb1ng 0% (kh\u00f4ng ph\u1ea7n tr\u0103m), kh\u00f4ng ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n ph\u1ea3i n\u1ed9p ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc.<\/p>\n

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3. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch<\/h2>\n

– Cho vay h\u1ed9 ngh\u00e8o.<\/p>\n

– Cho vay h\u1ed9 c\u1eadn ngh\u00e8o.<\/p>\n

– Cho vay h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o.<\/p>\n

– Cho vay h\u1ecdc sinh, sinh vi\u00ean.<\/p>\n

– Cho vay \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch \u0111i lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

– Cho vay n\u01b0\u1edbc s\u1ea1ch v\u00e0 v\u1ec7 sinh m\u00f4i tr\u01b0\u1eddng n\u00f4ng th\u00f4n.<\/p>\n

– Cho vay s\u1ea3n xu\u1ea5t kinh doanh v\u00f9ng kh\u00f3 kh\u0103n.<\/p>\n

– Cho vay th\u01b0\u01a1ng nh\u00e2n v\u00f9ng kh\u00f3 kh\u0103n.<\/p>\n

– Cho vay mua nh\u00e0 tr\u1ea3 ch\u1eadm \u0111\u1ed3ng b\u1eb1ng s\u00f4ng C\u1eedu Long v\u00e0 T\u00e2y Nguy\u00ean.<\/p>\n

– Cho vay h\u1ed9 ngh\u00e8o l\u00e0m nh\u00e0 \u1edf.<\/p>\n

– Cho vay h\u1ed9 ngh\u00e8o l\u00e0m nh\u00e0 \u1edf tr\u00e1nh l\u0169.<\/p>\n

– Cho vay h\u1ed9 gia \u0111\u00ecnh c\u00f3 ng\u01b0\u1eddi HIV, sau cai nghi\u1ec7n.<\/p>\n

– Cho vay h\u1ed7 tr\u1ee3 \u0111\u1ea5t s\u1ea3n xu\u1ea5t, chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh ngh\u1ec1.<\/p>\n

– Cho vay h\u1ed7 tr\u1ee3 tr\u1ed3ng r\u1eebng, ph\u00e1t tri\u1ec3n ch\u0103n nu\u00f4i.<\/p>\n

– Cho vay h\u1ed9 d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n.<\/p>\n

– Cho vay h\u1ed9 h\u1ed9 d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 v\u00f9ng \u0111\u1ed3ng b\u1eb1ng s\u1ed1ng C\u1eedu Long.<\/p>\n

– Cho vay h\u1ed7 tr\u1ee3 \u0111\u1ea5t s\u1ea3n xu\u1ea5t, chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh ngh\u1ec1.<\/p>\n

– Cho vay xu\u1ea5t kh\u1ea9u lao \u0111\u1ed9ng t\u1ea1i huy\u1ec7n ngh\u00e8o.<\/p>\n

– C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh d\u1ef1 \u00e1n v\u1ed1n n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

4. M\u1eabu \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch<\/h2>\n

C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM<\/strong><\/p>\n

\u0110\u1ed9c l\u1eadp – T\u1ef1 do – H\u1ea1nh ph\u00fac
\n———————–<\/p>\n

 <\/p>\n

GI\u1ea4Y \u0110\u1ec0 NGH\u1eca VAY V\u1ed0N KI\u00caM PH\u01af\u01a0NG \u00c1N S\u1eec D\u1ee4NG V\u1ed0N VAY<\/strong><\/p>\n

K\u00ednh g\u1eedi:<\/strong>\u00a0Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i ………………..<\/p>\n

1. H\u1ecd t\u00ean ng\u01b0\u1eddi vay: ………………………………….. N\u0103m sinh: …………………………..<\/p>\n

– S\u1ed1 CMND:………………………, ng\u00e0y c\u1ea5p: ….\/….\/….., n\u01a1i c\u1ea5p: ………………………..<\/p>\n

– \u0110\u1ecba ch\u1ec9 c\u01b0 tr\u00fa: th\u00f4n ………………………….; x\u00e3 …………………. Huy\u1ec7n ……………….<\/p>\n

– L\u00e0 th\u00e0nh vi\u00ean T\u1ed5 TK&VV do \u00f4ng (b\u00e0) …………………….. l\u00e0m t\u1ed5 tr\u01b0\u1edfng.<\/p>\n

– Thu\u1ed9c t\u1ed5 ch\u1ee9c H\u1ed9i: ………………………………………………… qu\u1ea3n l\u00fd.<\/p>\n

2. H\u1ecd t\u00ean ng\u01b0\u1eddi th\u1eeba k\u1ebf: ………………………………… N\u0103m sinh …….. Quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi vay.<\/p>\n

Ch\u00fang t\u00f4i \u0111\u1ec1 ngh\u1ecb NHCSXH cho vay s\u1ed1 ti\u1ec1n: ………………….. \u0111\u1ed3ng<\/p>\n

(B\u1eb1ng ch\u1eef ……………………………………………………………………………………………)<\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n: ……………………………………………………………………….<\/p>\n

T\u1ed5ng nhu c\u1ea7u v\u1ed1n:………………………………………………….\u0111\u1ed3ng. Trong \u0111\u00f3:<\/p>\n

 <\/p>\n

+ V\u1ed1n t\u1ef1 c\u00f3 tham gia:……………………………………..\u0111\u1ed3ng.<\/p>\n

+ V\u1ed1n vay NHCSXH:…………………………………….\u0111\u1ed3ng \u0111\u1ec3 d\u00f9ng v\u00e0o vi\u1ec7c:<\/p>\n\n\n\n
\u0110\u1ed1i t\u01b0\u1ee3ng<\/p>\n

………………………………….<\/p>\n

………………………………….<\/p>\n

………………………………….<\/td>\n

S\u1ed1 l\u01b0\u1ee3ng<\/p>\n

…………………………….<\/p>\n

…………………………….<\/p>\n

…………………………….<\/td>\n

Th\u00e0nh ti\u1ec1n<\/p>\n

………………………………….<\/p>\n

………………………………….<\/p>\n

………………………………….<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

– Th\u1eddi h\u1ea1n xin vay: ……… th\u00e1ng; K\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3: …….. th\u00e1ng\/l\u1ea7n.<\/p>\n

– S\u1ed1 ti\u1ec1n tr\u1ea3 n\u1ee3: ……………\u0111\u1ed3ng\/l\u1ea7n. H\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng: Ng\u00e0y\u2026.\/…..\/……<\/p>\n

– L\u00e3i su\u1ea5t cho vay: …………..%\/th\u00e1ng, l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n:……………..% l\u00e3i su\u1ea5t khi cho vay.<\/p>\n

L\u00e3i ti\u1ec1n vay \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng, v\u00e0o ng\u00e0y ………………………………………<\/p>\n

Ch\u00fang t\u00f4i cam k\u1ebft: s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang h\u1ea1n. N\u1ebfu sai tr\u00e1i, t\u00f4i ho\u00e0n to\u00e0n ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n\n
<\/td>\n<\/td>\n……, ng\u00e0y…th\u00e1ng…n\u0103m….<\/em><\/td>\n<\/tr>\n
T\u1ed5 tr\u01b0\u1edfng<\/strong><\/p>\n

T\u1ed5 TK&VV<\/strong><\/p>\n

(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean)<\/em><\/td>\n

Ng\u01b0\u1eddi th\u1eeba k\u1ebf<\/strong><\/p>\n

(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean)<\/em><\/td>\n

Ng\u01b0\u1eddi vay<\/strong><\/p>\n

(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean ho\u1eb7c \u0111i\u1ec3m ch\u1ec9)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

PH\u00ca DUY\u1ec6T C\u1ee6A NG\u00c2N H\u00c0NG<\/strong><\/p>\n

1. S\u1ed1 ti\u1ec1n cho vay: ……………. \u0111\u1ed3ng (B\u1eb1ng ch\u1eef: ……………………………………………..)<\/p>\n

2. L\u00e3i su\u1ea5t: ……… %\/th\u00e1ng. L\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n: ………… % l\u00e3i su\u1ea5t khi cho vay.<\/p>\n

3. Th\u1eddi h\u1ea1n cho vay: …….. th\u00e1ng. H\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng: Ng\u00e0y\u2026..\/\u2026…\/\u2026\u2026\u2026<\/p>\n\n\n\n\n
<\/td>\n<\/td>\n………., ng\u00e0y…th\u00e1ng…n\u0103m….<\/em><\/td>\n<\/tr>\n
C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng<\/strong><\/p>\n

(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean)<\/em><\/td>\n

Tr\u01b0\u1edfng ph\u00f2ng<\/strong><\/p>\n

(T\u1ed5 tr\u01b0\u1edfng) TD<\/strong><\/p>\n

(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean)<\/em><\/td>\n

Gi\u00e1m \u0111\u1ed1c<\/strong><\/p>\n

(K\u00fd t\u00ean, \u0111\u00f3ng d\u1ea5u)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

5. L\u00e3i su\u1ea5t vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch ?<\/h2>\n

5.1 L\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o<\/h3>\n

Hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi ngh\u00e8o r\u1ea5t \u01b0u \u0111\u00e3i. Nh\u1eb1m gi\u00fap c\u00e1c h\u1ed9 ngh\u00e8o, h\u1ed9 c\u1eadn ngh\u00e8o, h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o hay HSSV kh\u00f3 kh\u0103n c\u00f3 \u0111i\u1ec1u ki\u1ec7n c\u1ea3i thi\u1ec7n cu\u1ed9c s\u1ed1ng, v\u01b0\u01a1n l\u00ean tho\u00e1t ngh\u00e8o, h\u1ecdc t\u1eadp t\u1ed1t g\u00f3p ph\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch c\u1ee7a \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc v\u1ec1 x\u00f3a \u0111\u00f3i, gi\u1ea3m ngh\u00e8o, t\u0103ng nh\u1eadn th\u1ee9c, \u0111\u1ea3m b\u1ea3o an sinh x\u00e3 h\u1ed9i\u2026<\/p>\n\n\n\n\n\n\n\n\n
\u0110\u1ed1i t\u01b0\u1ee3ng cho vay<\/strong><\/td>\nL\u00e3i su\u1ea5t cho vay<\/strong><\/td>\n<\/tr>\n
H\u1ed9 ngh\u00e8o<\/td>\n6,6%\/N\u0103m<\/td>\n<\/tr>\n
H\u1ed9 ngh\u00e8o t\u1ea1i 64 huy\u1ec7n ngh\u00e8o theo Ngh\u1ecb quy\u1ebft 30a n\u0103m 2008 c\u1ee7a Ch\u00ednh Ph\u1ee7<\/td>\n3,3%\/N\u0103m<\/td>\n<\/tr>\n
H\u1ed9 c\u1eadn ngh\u00e8o<\/td>\n7,92%\/N\u0103m<\/td>\n<\/tr>\n
H\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o<\/td>\n8,25%\/N\u0103m<\/td>\n<\/tr>\n
HSSV c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n<\/td>\n6,6%\/N\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

5.2 L\u00e3i su\u1ea5t vay d\u00e0nh cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ho\u00e0n c\u1ea3nh kh\u00e1c<\/h3>\n

B\u00ean c\u1ea1nh nh\u1eefng \u01b0u \u0111\u00e3i d\u00e0nh cho \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi ngh\u00e8o th\u00ec Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i c\u0169ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng mu\u1ed1n vay \u0111\u1ec3 gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m v\u00e0 \u0111i lao \u0111\u1ed9ng c\u00f3 th\u1eddi h\u1ea1n n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p. C\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u0110\u1ed1i t\u01b0\u1ee3ng cho vay<\/strong><\/td>\nL\u00e3i su\u1ea5t cho vay<\/strong><\/td>\n<\/tr>\n
C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ea7n vay v\u1ed1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m:<\/strong><\/td>\n<\/td>\n<\/tr>\n
Ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 \u0111ang sinh s\u1ed1ng t\u1ea1i v\u00f9ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n KT \u2013 XH \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n, ng\u01b0\u1eddi khuy\u1ebft t\u1eadt.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
H\u1ed9 gia \u0111\u00ecnh vay v\u1ed1n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 \u0111ang sinh s\u1ed1ng t\u1ea1i v\u00f9ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n KT \u2013 XH \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n, ng\u01b0\u1eddi khuy\u1ebft t\u1eadt.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
C\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh s\u1eed d\u1ee5ng t\u1eeb 30% t\u1ed5ng s\u1ed1 lao \u0111\u1ed9ng tr\u1edf l\u00ean l\u00e0 ng\u01b0\u1eddi khuy\u1ebft t\u1eadt.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
C\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh s\u1eed d\u1ee5ng 30% t\u1ed5ng s\u1ed1 lao \u0111\u1ed9ng tr\u1edf l\u00ean l\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
C\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh s\u1eed d\u1ee5ng 30% t\u1ed5ng s\u1ed1 lao \u0111\u1ed9ng tr\u1edf l\u00ean l\u00e0 ng\u01b0\u1eddi khuy\u1ebft t\u1eadt v\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c<\/td>\n6,6%\/n\u0103m<\/td>\n<\/tr>\n
C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111i lao \u0111\u1ed9ng c\u00f3 th\u1eddi h\u1ea1n \u1edf n\u01b0\u1edbc ngo\u00e0i:<\/td>\n<\/td>\n<\/tr>\n
Ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0 h\u1ed9 ngh\u00e8o v\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 thu\u1ed9c 64 huy\u1ec7n ngh\u00e8o theo Ngh\u1ecb quy\u1ebft 30a n\u0103m 2008 c\u1ee7a Ch\u00ednh Ph\u1ee7.<\/td>\n3,3%\/n\u0103m<\/td>\n<\/tr>\n
C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f2n l\u1ea1i thu\u1ed9c 64 huy\u1ec7n ngh\u00e8o theo Ngh\u1ecb quy\u1ebft 30a n\u0103m 2008 c\u1ee7a Ch\u00ednh Ph\u1ee7.<\/td>\n6,6%\/n\u0103m<\/td>\n<\/tr>\n
Cho vay xu\u1ea5t kh\u1ea9u lao \u0111\u1ed9ng<\/td>\n6,6%\/n\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ngu\u1ed3n: Lu\u1eadt Minh Khu\u00ea<\/strong>\u00a0(s\u01b0u t\u1ea7m & bi\u00ean t\u1eadp)<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i \u0111\u00e3 \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb n\u0103m 2002, nh\u01b0ng m\u1ee5c \u0111\u00edch ho\u1ea1t \u0111\u1ed9ng v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5. Th\u00f4ng qua b\u00e0i vi\u1ebft n\u00e0y C\u00f4ng ty Lu\u1eadt Minh Khu\u00ea hi v\u1ecdng s\u1ebd cung c\u1ea5p th\u00eam ki\u1ebfn th\u1ee9c cho qu\u00fd b\u1ea1n \u0111\u1ecdc. 1. Kh\u00e1i ni\u1ec7m ng\u00e2n h\u00e0ng… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":175,"featured_media":6244883,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2499],"tags":[],"class_list":["post-6244899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ngan-hang"],"acf":[],"_links":{"self":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/6244899","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/users\/175"}],"replies":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/comments?post=6244899"}],"version-history":[{"count":0,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/6244899\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media\/6244883"}],"wp:attachment":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media?parent=6244899"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/categories?post=6244899"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/tags?post=6244899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}