{"id":21805,"date":"2023-12-06T02:55:53","date_gmt":"2023-12-06T02:55:53","guid":{"rendered":"https:\/\/masterskills.org\/blog\/ty-le-no-xau-la-gi-muc-dich-va-cach-tinh-ty-le-no-xau.html"},"modified":"2023-12-22T04:56:17","modified_gmt":"2023-12-21T21:56:17","slug":"ty-le-no-xau-la-gi-muc-dich-va-cach-tinh-ty-le-no-xau","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/ty-le-no-xau-la-gi-muc-dich-va-cach-tinh-ty-le-no-xau.html","title":{"rendered":"T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 g\u00ec? M\u1ee5c \u0111\u00edch v\u00e0 c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u"},"content":{"rendered":"
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T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 g\u00ec, v\u00ec sao c\u1ea7n bi\u1ebft t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u v\u00e0 l\u00e0m sao \u0111\u1ec3 t\u00ednh t\u1ec9 l\u1ec7 n\u00e0y?\u2026 T\u1ea5t c\u1ea3 s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p qua b\u00e0i vi\u1ebft sau.<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u\u00a0l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

N\u1ee3 x\u1ea5u trong ti\u1ebfng Anh l\u00e0 Non \u2013 Performing loan ratio \u0111\u01b0\u1ee3c vi\u1ebft t\u1eaft th\u00e0nh NPL, hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi b\u1eb1ng thu\u1eadt ng\u1eef ph\u1ed5 th\u00f4ng h\u01a1n l\u00e0 bad debt.\u00a0<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 thu\u1eadt ng\u1eef b\u1ea1n th\u01b0\u1eddng nghe th\u1ea5y khi l\u00e0m vi\u1ec7c ho\u1eb7c \u0111\u1ecdc c\u00e1c th\u00f4ng c\u00e1o b\u00e1o ch\u00ed v\u1ec1 ng\u00e0nh ng\u00e2n h\u00e0ng. Th\u1ef1c t\u1ebf l\u00e0 c\u1ee5m thu\u1eadt ng\u1eef n\u00e0y \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f3 \u0111\u00f2i, c\u00f3 th\u1eddi h\u1ea1n qu\u00e1 h\u1ea1n l\u1edbn v\u00e0 \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i. N\u00f3 ch\u00ednh l\u00e0 c\u00e1c kho\u1ea3n ng\u00e2n h\u00e0ng cho kh\u00e1ch h\u00e0ng vay nh\u01b0ng khi \u0111\u1ebfn h\u1ea1n thu h\u1ed3i, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u00f2i \u0111\u01b0\u1ee3c do kh\u00e1ch h\u00e0ng l\u00e0m \u0103n thua l\u1ed7, \u0111\u00f3ng c\u1eeda d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.\u00a0<\/p>\n

C\u00e1c th\u1eddi h\u1ea1n d\u00e0nh cho m\u1ed7i kho\u1ea3n n\u1ee3 kh\u00e1c nhau s\u1ebd kh\u00e1c nhau, tuy nhi\u00ean th\u1eddi h\u1ea1n th\u01b0\u1eddng g\u1eb7p d\u00e0nh cho c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n l\u00e0 90 \u2013 180 ng\u00e0y.\u00a0<\/p>\n

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N\u00f3i ng\u1eafn g\u1ecdn, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 kho\u1ea3n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i.<\/strong><\/em><\/p>\n<\/blockquote>\n

Bi\u1ebft t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u1ec3 l\u00e0m g\u00ec?<\/strong><\/span><\/h2>\n

M\u1ee5c \u0111\u00edch c\u1ee7a t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 g\u00ec v\u00e0 ai c\u1ea7n \u0111\u1ebfn con s\u1ed1 n\u00e0y? C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u00e0i ch\u00ednh th\u01b0\u1eddng s\u1eed d\u1ee5ng t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u1ec3 so s\u00e1nh ch\u1ea5t l\u01b0\u1ee3ng danh m\u1ee5c cho vay gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn th\u1ea5t b\u1ea1i c\u1ee7a ng\u00e2n h\u00e0ng. C\u00e1c nh\u00e0 kinh t\u1ebf ki\u1ec3m tra t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n b\u1ea5t \u1ed5n ti\u1ec1m \u1ea9n tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 c\u1ea7n bi\u1ebft t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u1ec3 ch\u1ecdn n\u01a1i \u0111\u1ea7u t\u01b0 ti\u00ean c\u1ee7a m\u00ecnh. H\u1ecd s\u1ebd xem c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 r\u1ee7i ro th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao.<\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u<\/strong><\/span><\/h2>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u = t\u1ed5ng n\u1ee3 x\u1ea5u\/t\u1ed5ng d\u01b0 n\u1ee3<\/p>\n

Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t nam c\u00f3 quy\u1ebft \u0111\u1ecbnh 492\/2005\/Q\u0110 \u2013 NHNN v\u00e0o ng\u00e0y 22 th\u00e1ng 4 n\u0103m 2005 v\u1ec1 c\u00e1c kho\u1ea3n d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u1eeb kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c chia lo\u1ea1i t\u1eeb nh\u00f3m 1 \u0111\u1ebfn nh\u00f3m 5 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi c\u00e1c lo\u1ea1i n\u1ee3:<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ee3 c\u1ea7n ch\u00fa \u00fd<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ee3 nghi ng\u1edd<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n<\/p>\n

Trong \u0111\u00f3 c\u00e1c kho\u1ea3n n\u1ee3 thu\u1ed9c nh\u00f3m t\u1eeb (3) \u0111\u1ebfn (5) \u0111\u01b0\u1ee3c coi l\u00e0 n\u1ee3 x\u1ea5u.<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u ph\u1ea3n \u00e1nh ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a danh m\u1ee5c cho vay m\u00e0 ng\u00e2n h\u00e0ng c\u00f3, s\u1ed1 l\u01b0\u1ee3ng \u0111\u1ed3ng n\u1ee3 x\u1ea5u tr\u00ean t\u1ed5ng s\u1ed1 100 \u0111\u1ed3ng cho vay.\u00a0<\/p>\n

Khi ng\u00e2n h\u00e0ng g\u1eb7p r\u1eafc r\u1ed1i ho\u1eb7c c\u00f3 v\u1ea5n \u0111\u1ec1 trong vi\u1ec7c qu\u1ea3n l\u00fd ch\u1ea5t l\u01b0\u1ee3ng c\u00e1c kho\u1ea3n vay t\u1eeb kh\u00e1ch th\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u00f3 t\u00ecnh tr\u1ea1ng t\u0103ng cao h\u01a1n trung b\u00ecnh trong ng\u00e0nh v\u00e0 c\u00f3 chi\u1ec1u h\u01b0\u1edbng t\u0103ng l\u00ean.\u00a0<\/p>\n

Khi t\u1ef7 l\u1ec7 n\u00e0y th\u1ea5p so v\u1edbi trung b\u00ecnh ng\u00e0nh v\u00e0 c\u00f3 chi\u1ec1u h\u01b0\u1edbng gi\u1ea3m t\u1ee9c l\u00e0 ng\u00e2n h\u00e0ng \u0111ang qu\u1ea3n l\u00fd t\u1ed1t c\u00e1c kho\u1ea3n vay t\u00edn d\u1ee5ng. Ho\u1eb7c c\u0169ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng d\u00f9ng ch\u00ednh s\u00e1ch x\u00f3a n\u1ee3, thay \u0111\u1ed5i c\u00e1c ph\u00e2n lo\u1ea1i c\u1ee7a kho\u1ea3n n\u1ee3.\u00a0<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam v\u1eabn trong kho\u1ea3ng 0,98% \u0111\u1ebfn g\u1ea7n 3% t\u1eeb th\u1ed1ng k\u1ebf c\u1ee7a m\u1ed9t trang web uy t\u00edn trong ng\u00e0nh ng\u00e2n h\u00e0ng.\u00a0<\/p>\n

Ph\u00e2n lo\u1ea1i n\u1ee3 x\u1ea5u<\/strong><\/span><\/h2>\n

N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n\u00a0<\/strong><\/span><\/h3>\n

L\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f2n trong h\u1ea1n thanh to\u00e1n v\u00e0 \u0111\u01b0\u1ee3c ch\u1ee7 n\u1ee3 \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 th\u1ec3 thu h\u1ed3i \u0111\u01b0\u1ee3c c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i \u0111\u00fang h\u1ea1n \u0111\u1ecbnh.<\/p>\n

C\u00f3 th\u1ec3 l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n d\u01b0\u1edbi 10 ng\u00e0y v\u00e0 \u0111\u01b0\u1ee3c ch\u1ee7 n\u1ee3 \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u01b0\u1ee3c c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i bao g\u1ed3m c\u1ea3 l\u00e3i qu\u00e1 h\u1ea1n.\u00a0<\/p>\n

N\u1ee3 c\u1ea7n ch\u00fa \u00fd<\/strong><\/span><\/h3>\n

L\u00e0 c\u00e1c kho\u1ea3n vay n\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 10 \u0111\u1ebfn 90 ng\u00e0y. Ho\u1eb7c c\u00e1c kho\u1ea3n n\u1ee3 c\u1ea7n ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u. Kho\u1ea3n n\u1ee3 n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i, tuy nhi\u00ean v\u1eabn c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 k\u00e9m.<\/p>\n

N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/span><\/h3>\n

Kho\u1ea3n n\u00e0y bao g\u1ed3m nh\u1eefng kho\u1ea3n vay qu\u00e1 h\u1ea1n t\u1eeb 91 \u0111\u1ebfn 180 ng\u00e0y; nh\u1eefng kho\u1ea3n n\u1ee3 \u0111\u00e3 gia h\u1ea1n l\u1ea7n \u0111\u1ea7u ti\u00ean; nh\u1eefng kho\u1ea3n \u0111\u00e3 mi\u1ec5n ho\u1eb7c gi\u1ea3m l\u00e3i; nh\u1eefng kho\u1ea3n vay m\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i khi \u0111\u1ebfn h\u1ea1n; nh\u1eefng kho\u1ea3n vay khi\u1ebfn ng\u00e2n h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ed5n th\u1ea5t.\u00a0<\/p>\n

N\u1ee3 nghi ng\u1edd<\/strong><\/span><\/h3>\n

Kho\u1ea3n n\u00e0y thu\u1ed9c nh\u00f3m n\u1ee3 m\u00e0 c\u00e1c kho\u1ea3n vay qu\u00e1 h\u1ea1n t\u1eeb 181 \u0111\u1ebfn 360 ng\u00e0y; nh\u1eefng kho\u1ea3n vay n\u00e0y \u0111\u00e3 n\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1 tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u m\u00e0 v\u1eabn ti\u1ebfp t\u1ee5c qu\u00e1 h\u1ea1n d\u01b0\u1edbi 90 ng\u00e0y; ho\u1eb7c nh\u1eefng kho\u1ea3n vay \u0111\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 2\u2026 v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng g\u00e2y t\u1ed5n th\u1ea5t cho ch\u1ee7 n\u1ee3 cao.\u00a0<\/p>\n

N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n<\/strong><\/span><\/h3>\n

\u0110\u00e2y l\u00e0 nh\u00f3m c\u00e1c kho\u1ea3n vay n\u1ee3 qu\u00e1 h\u1ea1n tr\u00ean 360 ng\u00e0y. \u0110\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 nhi\u1ec1u l\u1ea7n nh\u01b0ng v\u1eabn kh\u00f4ng th\u1ec3 thu h\u1ed3i n\u1ee3. Nh\u1eefng kho\u1ea3n vay kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng thu h\u1ed3i, g\u00e2y m\u1ea5t v\u1ed1n.\u00a0<\/p>\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c gia t\u0103ng t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u<\/strong><\/span><\/h3>\n

Khi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a ng\u00e2n h\u00e0ng gia t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. \u0110i\u1ec1u n\u00e0y \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn s\u1ef1 l\u01b0u th\u00f4ng d\u00f2ng v\u1ed1n v\u00e0o s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf.\u00a0<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u00e0ng cao th\u00ec nguy c\u01a1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn d\u00f2ng v\u1ed1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00e0ng to. \u0110\u00e2y l\u00e0 nguy\u00ean nh\u00e2n ch\u00ednh ki\u1ec1m ch\u1ebf s\u1ef1 l\u01b0u th\u00f4ng c\u1ee7a t\u00edn d\u1ee5ng trong n\u1ec1n kinh t\u1ebf.\u00a0<\/p>\n

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao l\u00e0 bi\u1ec3u hi\u1ec7n c\u1ee7a ch\u1ea5t l\u01b0\u1ee3ng cho vay thi\u1ebfu hi\u1ec7u qu\u1ea3. Ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u1ea1t k\u1ebft qu\u1ea3 th\u1ea5p, \u1ea3nh h\u01b0\u1edfng kh\u1ea3 n\u0103ng thanh kho\u1ea3n, gi\u1edbi h\u1ea1n s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng, h\u1ea1 th\u1ea5p n\u0103ng l\u1ef1c c\u1ea1nh tranh c\u1ee7a ng\u00e2n h\u00e0ng.\u00a0<\/p>\n

Ngo\u00e0i vi\u1ec7c \u0111\u00e1nh gi\u00e1 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng th\u00f4ng qua t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u00ec c\u0169ng c\u1ea7n xem x\u00e9t th\u1ef1c tr\u1ea1ng n\u1ec1n kinh t\u1ebf v\u00e0 ng\u01b0\u1eddi vay \u1edf nhi\u1ec1u ph\u01b0\u01a1ng di\u1ec7n tr\u00ean c\u01a1 s\u1edf kh\u00e1ch quan v\u00e0 ch\u1ee7 quan.<\/p>\n

N\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 \u0111i\u1ec1u m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i quan ng\u1ea1i nh\u1ea5t. N\u00f3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn ng\u00e2n h\u00e0ng tr\u00ean nhi\u1ec1u ph\u01b0\u01a1ng di\u1ec7n do \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang r\u1ea5t quan t\u00e2m \u0111\u1ebfn vi\u1ec7c ki\u1ec3m so\u00e1t t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3.<\/p>\n

Hi v\u1ecdng qua c\u00e1c th\u00f4ng tin chia s\u1ebb v\u1ec1 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 g\u00ec v\u00e0 nh\u1eefng \u0111i\u1ec1u li\u00ean quan s\u1ebd ph\u1ea7n n\u00e0o gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc c\u1ee7a b\u1ea1n v\u1ec1 kh\u00eda c\u1ea1nh n\u00e0y.<\/p>\n

H\u00e0 Ph\u01b0\u01a1ng<\/strong><\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u l\u00e0 g\u00ec, v\u00ec sao c\u1ea7n bi\u1ebft t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u v\u00e0 l\u00e0m sao \u0111\u1ec3 t\u00ednh t\u1ec9 l\u1ec7 n\u00e0y?\u2026 T\u1ea5t c\u1ea3 s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p qua b\u00e0i vi\u1ebft sau.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21805"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21805"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21805\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}