{"id":4156,"date":"2019-08-09T15:42:42","date_gmt":"2019-08-09T12:42:42","guid":{"rendered":"https:\/\/selectednews.info\/vi\/nam-2018-no-nuoc-ngoai-chiem-46-gdp\/"},"modified":"2019-08-09T15:42:43","modified_gmt":"2019-08-09T12:42:43","slug":"nam-2018-no-nuoc-ngoai-chiem-46-gdp","status":"publish","type":"post","link":"https:\/\/selectednews.info\/vi\/nam-2018-no-nuoc-ngoai-chiem-46-gdp\/","title":{"rendered":"N\u0103m 2018, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i chi\u1ebfm 46% GDP"},"content":{"rendered":"<p> [ad_1]<br \/>\n<\/p>\n<p>\nQuy m\u00f4 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia t\u0103ng nhanh, ch\u1ee7 y\u1ebfu l\u00e0 n\u1ee3 c\u1ee7a doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng theo h\u00ecnh th\u1ee9c t\u1ef1 vay t\u1ef1 tr\u1ea3.\t<\/p>\n<div id=\"\">\n<p class=\"Normal\">\nTh\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c Ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 n\u00eau t\u1ea1i cu\u1ed9c h\u1ecdp v\u1ec1 t\u00ecnh h\u00ecnh n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia giai \u0111o\u1ea1n 2011- 2018 v\u00e0 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2019, ng\u00e0y 9\/8.<\/p>\n<p class=\"Normal\">\nTheo Lu\u1eadt Qu\u1ea3n l\u00fd n\u1ee3 c\u00f4ng, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a qu\u1ed1c gia l\u00e0 t\u1ed5ng c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ch\u00ednh ph\u1ee7, n\u1ee3 vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh v\u00e0 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a doanh nghi\u1ec7p (DN), t\u1ed5 ch\u1ee9c kh\u00e1c vay theo ph\u01b0\u01a1ng th\u1ee9c t\u1ef1 vay, t\u1ef1 tr\u1ea3.<\/p>\n<p class=\"Normal\">\nTheo Th\u1ee9 tr\u01b0\u1edfng T\u00e0i ch\u00ednh Tr\u1ea7n Xu\u00e2n H\u00e0, cu\u1ed1i n\u0103m 2017, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a qu\u1ed1c gia so v\u1edbi GDP \u1edf m\u1ee9c 48,9%, s\u00e1t v\u1edbi ng\u01b0\u1ee1ng 50% \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i cho ph\u00e9p.\u00a0T\u1ef7 l\u1ec7 n\u1ee3 n\u00e0y gi\u1ea3m xu\u1ed1ng c\u00f2n 46% v\u00e0o m\u1ed9t n\u0103m sau \u0111\u00f3 (n\u0103m 2018), trong \u0111\u00f3 c\u01a1 c\u1ea5u n\u1ee3 \u0111\u1ec1u gi\u1ea3m. C\u1ee5 th\u1ec3, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ch\u00ednh ph\u1ee7 c\u00f2n 19,3% GDP, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh c\u00f2n 4,4% GDP, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i t\u1ef1 vay t\u1ef1 tr\u1ea3 c\u1ee7a doanh nghi\u1ec7p c\u00f2n 22,3% GDP.\u00a0<\/p>\n<p class=\"Normal\">\nT\u1ef7 l\u1ec7 tr\u1ea3 n\u1ee3 so v\u1edbi t\u1ed5ng kim ng\u1ea1ch xu\u1ea5t nh\u1eadp kh\u1ea9u h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 kho\u1ea3ng 25%, b\u1ea3o \u0111\u1ea3m c\u00e1c quy \u0111\u1ecbnh v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf.<\/p>\n<p class=\"Normal\">\nTuy nhi\u00ean, \u00f4ng H\u00e0 cho hay, x\u00e9t trong c\u1ea3\u00a0giai \u0111o\u1ea1n 2011-2017, ch\u1ec9 ti\u00eau n\u1ee3 n\u01b0\u1edbc ngo\u00e0i so v\u1edbi t\u1ed5ng s\u1ea3n ph\u1ea9m qu\u1ed1c n\u1ed9i (GDP) c\u00f3 xu h\u01b0\u1edbng t\u0103ng nhanh, b\u00ecnh qu\u00e2n t\u0103ng 16,7% m\u1ed9t n\u0103m, cao h\u01a1n t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng GDP theo gi\u00e1 hi\u1ec7n h\u00e0nh l\u00e0 13,0% m\u1ed9t n\u0103m trong c\u00f9ng giai \u0111o\u1ea1n.<\/p>\n<p class=\"Normal\">\nPh\u00e2n t\u00edch d\u1eef li\u1ec7u n\u00e0y, Ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 cho r\u1eb1ng, ch\u1ec9 ti\u00eau n\u00e0y d\u01b0\u1edbi m\u1ee9c tr\u1ea7n \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i cho ph\u00e9p l\u00e0 kh\u00f4ng qu\u00e1 50% v\u00e0 \u0111ang trong t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a Ch\u00ednh ph\u1ee7. Trong \u0111\u00f3, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ch\u00ednh ph\u1ee7 gi\u1ea3m m\u1ea1nh, t\u1ed1c \u0111\u1ed9 t\u0103ng n\u1ee3 th\u1ea5p.\u00a0C\u00f2n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh chi\u1ebfm t\u1ef7 tr\u1ecdng nh\u1ecf v\u00e0 xu h\u01b0\u1edbng gi\u1ea3m.\u00a0<\/p>\n<p class=\"Normal\">\n<span style=\"color:#696969;\"><strong>Song, quy m\u00f4 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia t\u0103ng nhanh, ch\u1ee7 y\u1ebfu l\u00e0 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u00edn d\u1ee5ng theo h\u00ecnh th\u1ee9c t\u1ef1 vay t\u1ef1 tr\u1ea3.\u00a0<\/strong><\/span>Hi\u1ec7n t\u1ef7 l\u1ec7 n\u1ee3 t\u1ef1 vay t\u1ef1 tr\u1ea3 chi\u1ebfm kho\u1ea3ng 48,4% t\u1ed5ng n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia so v\u1edbi t\u1ef7 l\u1ec7 25,6% n\u0103m 2011 v\u00e0 40,4% c\u1ee7a n\u0103m 2016.\u00a0<\/p>\n<table align=\"center\" border=\"0\" cellpadding=\"3\" cellspacing=\"0\" class=\"tplCaption\">\n<tbody>\n<tr>\n<td>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p class=\"Image\">\nPh\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 ch\u1ee7 tr\u00ec cu\u1ed9c h\u1ecdp v\u1ec1 t\u00ecnh h\u00ecnh n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, ng\u00e0y 9\/8. <em>\u1ea2nh: VGP<\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"Normal\">\nPh\u00f3 th\u1ee7 t\u01b0\u1edbng cho r\u1eb1ng vi\u1ec7c t\u0103ng nhanh n\u1ee3 n\u01b0\u1edbc ngo\u00e0i theo h\u00ecnh th\u1ee9c t\u1ef1 vay t\u1ef1 tr\u1ea3 ch\u1ee7 y\u1ebfu n\u1eb1m \u1edf kh\u1ed1i doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i (chi\u1ebfm 76% t\u1ed5ng l\u01b0\u1ee3ng n\u1ee3 c\u1ee7a doanh nghi\u1ec7p), t\u1eadp trung \u1edf m\u1ed9t s\u1ed1 doanh nghi\u1ec7p FDI c\u00f3 quy m\u00f4 l\u1edbn.<\/p>\n<p class=\"Normal\">\n&#8220;Vi\u1ec7c t\u0103ng n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia tuy \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u v\u1ed1n v\u00e0 huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c cho ph\u00e1t tri\u1ec3n kinh t\u1ebf- x\u00e3 h\u1ed9i v\u00e0 t\u0103ng tr\u01b0\u1edfng nh\u01b0ng c\u0169ng t\u00e1c \u0111\u1ed9ng t\u1edbi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a qu\u1ed1c gia&#8221;, Ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 cho bi\u1ebft.<\/p>\n<p class=\"Normal\">\n\u00d4ng \u0111\u1ec1 ngh\u1ecb\u00a0c\u00e1c b\u1ed9, ng\u00e0nh \u0111i\u1ec1u h\u00e0nh, qu\u1ea3n l\u00fd n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Qu\u1ea3n l\u00fd n\u1ee3 c\u00f4ng nh\u1eb1m b\u1ea3o \u0111\u1ea3m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n cho n\u1ec1n kinh t\u1ebf, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n t\u1ef1 th\u00e2n c\u1ee7a doanh nghi\u1ec7p. &#8220;C\u00e1c B\u1ed9 c\u1ea7n\u00a0ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt qu\u1ea3n l\u00fd n\u1ee3 t\u1ef1 vay t\u1ef1 tr\u1ea3 c\u1ee7a doanh nghi\u1ec7p, t\u1eadp trung gi\u00e1m s\u00e1t t\u1ed5ng n\u1ee3, c\u01a1 c\u1ea5u n\u1ee3 c\u1ee7a c\u00e1c khu v\u1ef1c v\u00e0 c\u00f3 t\u00ednh t\u1edbi r\u1ee7i ro \u0111\u1ed1i v\u1edbi t\u1eebng doanh nghi\u1ec7p, ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf&#8221;, \u00f4ng Hu\u1ec7 nh\u1ea5n m\u1ea1nh.<\/p>\n<p class=\"Normal\">\n<span style=\"color:#696969;\"><strong>V\u1ec1 l\u01b0\u1ee3ng ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p trong n\u1eeda \u0111\u1ea7u n\u0103m nay,<\/strong><\/span> Th\u1ee9 tr\u01b0\u1edfng Hu\u1ef3nh Quang H\u1ea3i cho bi\u1ebft,\u00a0t\u1ed5ng m\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p t\u0103ng g\u1ea7n 7,5% so v\u1edbi c\u00f9ng k\u1ef3, tr\u00ean 116.000 t\u1ef7 \u0111\u1ed3ng. Trong s\u1ed1 n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u00e1t h\u00e0nh 36.700 t\u1ef7, chi\u1ebfm 36%; doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u00ean 22.120 t\u1ef7 \u0111\u1ed3ng (19%), v\u00e0 3,5% c\u00f2n l\u1ea1i l\u00e0 l\u01b0\u1ee3ng ph\u00e1t h\u00e0nh c\u1ee7a c\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n, doanh nghi\u1ec7p kh\u00e1c.<\/p>\n<p class=\"Normal\">\n\u0110\u1ebfn h\u1ebft th\u00e1ng 6, \u00f4ng H\u1ea3i cho hay, quy m\u00f4 th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p c\u00f3 m\u1ee9c v\u1ed1n ho\u00e1 b\u1eb1ng 10,22% GDP, v\u01b0\u1ee3t m\u1ee5c ti\u00eau 7% GDP v\u00e0o n\u0103m 2020.<\/p>\n<p class=\"Normal\">\nHi\u1ec7n m\u1ee9c l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p b\u00ecnh qu\u00e2n l\u00e0 11% m\u1ed9t n\u0103m, cao h\u01a1n kho\u1ea3ng 0,5% m\u1ee9c vay ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<p class=\"Normal\">\n\u0110\u00e1nh gi\u00e1 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p l\u00e0 &#8220;k\u00eanh cung v\u1ed1n trung, d\u00e0i h\u1ea1n cho doanh nghi\u1ec7p, gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i&#8221;, song Ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 cho r\u1eb1ng,\u00a0n\u1ebfu kh\u00f4ng ki\u1ec3m so\u00e1t t\u1ed1t vi\u1ec7c ph\u00e1t h\u00e0nh lo\u1ea1i h\u00ecnh tr\u00e1i phi\u1ebfu n\u00e0y, v\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng qu\u00e1 cao (11% m\u1ed9t n\u0103m) s\u1ebd d\u1eabn t\u1edbi r\u1ee7i ro, \u1ea3nh h\u01b0\u1edfng th\u1ecb tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 c\u00e2n \u0111\u1ed1i v\u0129 m\u00f4.<\/p>\n<p class=\"Normal\">\n\u00d4ng d\u1eabn ch\u1ee9ng, m\u1ed9t s\u1ed1 \u0111\u1ee3t ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu c\u1ee7a doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00ean t\u1edbi 13-14% m\u1ed9t n\u0103m, th\u1eadm ch\u00ed 14-15%, cao h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Trong khi t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m, n\u00ean ti\u1ec1m \u1ea9n r\u1ee7i ro cho nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ee7 th\u00f4ng tin ph\u00e2n t\u00edch r\u1ee7i ro.\u00a0<\/p>\n<p class=\"Normal\">\n&#8220;70% doanh nghi\u1ec7p ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb ngu\u1ed3n h\u00ecnh th\u00e0nh tr\u00e1i phi\u1ebfu nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 b\u1edfi t\u1ed5 ch\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp v\u00e0 kh\u00f3 x\u00e1c minh c\u00e1c tranh ch\u1ea5p ph\u00e1p l\u00fd. Ch\u01b0a k\u1ec3 98% c\u00e1c \u0111\u1ee3t ph\u00e1t h\u00e0nh l\u00e0 ri\u00eang l\u1ebb&#8221;, \u00f4ng Hu\u1ec7 kh\u00e1i qu\u00e1t.\u00a0<\/p>\n<p class=\"Normal\">\nV\u00ec l\u1ebd \u0111\u00f3, Ph\u00f3 th\u1ee7 t\u01b0\u1edbng giao\u00a0B\u1ed9 T\u00e0i ch\u00ednh ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, ng\u00e0nh ho\u00e0n thi\u1ec7n d\u1ef1 th\u1ea3o Lu\u1eadt ch\u1ee9ng kho\u00e1n, trong \u0111\u00f3 r\u00e0 so\u00e1t quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ri\u00eang l\u1ebb theo h\u01b0\u1edbng ch\u1ec9 d\u00e0nh cho nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p c\u00f3 n\u0103ng l\u1ef1c ph\u00e2n t\u00edch t\u00e0i ch\u00ednh v\u00e0 kh\u1ea3 n\u0103ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro.<\/p>\n<p class=\"Normal\" style=\"text-align:right;\">\n<strong>Anh Minh<\/strong><\/p>\n<\/p><\/div>\n<p>[ad_2]<br \/>\n<br \/><a href=\"https:\/\/vnexpress.net\/kinh-doanh\/nam-2018-no-nuoc-ngoai-chiem-46-gdp-3965338.html\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[ad_1] Quy m\u00f4 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia t\u0103ng nhanh, ch\u1ee7 y\u1ebfu l\u00e0 n\u1ee3 c\u1ee7a doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng theo h\u00ecnh th\u1ee9c t\u1ef1 vay t\u1ef1 tr\u1ea3. Th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c Ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 n\u00eau t\u1ea1i cu\u1ed9c h\u1ecdp v\u1ec1 t\u00ecnh h\u00ecnh n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia giai \u0111o\u1ea1n 2011- 2018 v\u00e0 ph\u00e1t [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4157,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-kinh-doanh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>N\u0103m 2018, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i chi\u1ebfm 46% GDP - Selected News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/selectednews.info\/vi\/nam-2018-no-nuoc-ngoai-chiem-46-gdp\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"N\u0103m 2018, n\u1ee3 n\u01b0\u1edbc ngo\u00e0i chi\u1ebfm 46% GDP - Selected News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] Quy m\u00f4 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i qu\u1ed1c gia t\u0103ng nhanh, ch\u1ee7 y\u1ebfu l\u00e0 n\u1ee3 c\u1ee7a doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng theo h\u00ecnh th\u1ee9c t\u1ef1 vay t\u1ef1 tr\u1ea3. 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