{"id":4928,"date":"2019-07-14T00:03:41","date_gmt":"2019-07-13T21:03:41","guid":{"rendered":"https:\/\/super-news.info\/vi\/giai-phap-nao-de-khong-dung-tien-mat\/"},"modified":"2019-07-14T00:03:42","modified_gmt":"2019-07-13T21:03:42","slug":"giai-phap-nao-de-khong-dung-tien-mat","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/giai-phap-nao-de-khong-dung-tien-mat\/","title":{"rendered":"Gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t?"},"content":{"rendered":"

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Th\u1ef1c t\u1ebf cho th\u1ea5y d\u00f9 ch\u1ee7 tr\u01b0\u01a1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t t\u1eeb nhi\u1ec1u n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay vi\u1ec7c tri\u1ec3n khai v\u1eabn c\u00f2n manh m\u00fan v\u00e0 n\u1ea3y sinh kh\u00f4ng \u00edt b\u1ea5t c\u1eadp.<\/p>\n

C\u1ea7n s\u1ef1 ti\u1ec7n l\u1ee3i<\/b><\/p>\n

Ng\u00e0y c\u00e0ng nhi\u1ec1u nh\u1eefng qu\u00e1n \u0103n, xe \u0111\u1ea9y b\u00e1n \u0111\u1ed3 \u0103n v\u1eb7t tr\u00ean v\u1ec9a h\u00e8 \u0111\u00e3 g\u1eafn c\u00e1c bi\u1ec3u t\u01b0\u1ee3ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Tuy nhi\u00ean, ch\u1ecb T\u1ed1 Nga (qu\u1eadn T\u00e2n B\u00ecnh, TP.HCM) cho r\u1eb1ng n\u00f3 v\u1eabn ch\u01b0a nhi\u1ec1u \u0111\u1ebfn m\u1ee9c ra ng\u00f5 l\u00e0 th\u1ea5y. V\u00ec v\u1eady, n\u1ebfu m\u1ed9t ng\u00e0y ra \u0111\u01b0\u1eddng m\u00e0 kh\u00f4ng mang theo ti\u1ec1n m\u1eb7t, ch\u1eafc ch\u1eafn ng\u01b0\u1eddi d\u00e2n s\u1ebd r\u1ea5t m\u1ec7t m\u1ecfi \u0111\u1ec3 t\u00ecm ki\u1ebfm nh\u1eefng ti\u1ec7n \u00edch hay mua m\u00f3n \u0111\u1ed3 m\u00ecnh c\u1ea7n.<\/p>\n

\u201cPh\u1ea3i \u0111i m\u1ed9t qu\u00e3ng \u0111\u01b0\u1eddng xa, t\u1ed1n nhi\u1ec1u th\u1eddi gian m\u1edbi mua \u0111\u01b0\u1ee3c m\u00f3n \u0111\u1ed3 b\u1eb1ng h\u00ecnh th\u1ee9c th\u1ebb, v\u00ed \u0111i\u1ec7n t\u1eed\u2026 th\u00ec r\u1ea5t b\u1ea5t ti\u1ec7n. T\u00f4i ngh\u0129 ch\u1ec9 khi n\u00e0o nh\u1eefng h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 thanh to\u00e1n n\u00e0y xu\u1ea5t hi\u1ec7n kh\u1eafp hang c\u00f9ng ng\u00f5 h\u1ebbm th\u00ec t\u1ef1 kh\u1eafc l\u00fac \u0111\u00f3 th\u00f3i quen ti\u00eau d\u00f9ng kh\u00f4ng ti\u1ec1n m\u1eb7t c\u1ee7a ng\u01b0\u1eddi d\u00e2n m\u1edbi c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh d\u0129 v\u00e3ng\u201d – ch\u1ecb Nga n\u00f3i.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i m\u1ecdi giao d\u1ecbch thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng \u0111\u1ec1u thu\u1eadn l\u1ee3i. Ch\u1ecb Th\u1ee7y Minh (qu\u1eadn 3, TP.HCM) chia s\u1ebb: Ng\u00e0y 5-7, sau khi c\u1ea3m th\u1ea5y th\u1ea5t v\u1ecdng v\u1edbi d\u1ecbch v\u1ee5 Internet Banking c\u1ee7a Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1, ch\u1ecb \u0111\u00e3 h\u1ee7y th\u1ebb ATM c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y sau b\u1ea3y n\u0103m gi\u1eef trong v\u00ed. L\u00fd do ch\u1ecb \u0111\u01b0a ra l\u00e0 khi \u0111\u1ec3 h\u1ea1n m\u1ee9c chuy\u1ec3n kho\u1ea3n qua Internet Banking \u1edf m\u1ee9c d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng th\u00ec kh\u00f4ng t\u1ed1n ph\u00ed. Nh\u01b0ng khi ch\u1ecb mu\u1ed1n n\u00e2ng h\u1ea1n m\u1ee9c chuy\u1ec3n kho\u1ea3n 50-100 tri\u1ec7u \u0111\u1ed3ng\/l\u1ea7n th\u00ec ph\u00ed l\u00e0 50.000 \u0111\u1ed3ng\/th\u00e1ng, t\u00ednh ra l\u00e0 600.000 \u0111\u1ed3ng\/n\u0103m.<\/p>\n

\u201cNgo\u00e0i kho\u1ea3n ph\u00ed n\u00e0y ra, kh\u00e1ch h\u00e0ng v\u1eabn c\u1ea7n t\u1ed1n th\u00eam ph\u00ed b\u00e1o s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n 50.000 \u0111\u1ed3ng\/n\u0103m (thu m\u1ed9t l\u1ea7n\/n\u0103m). Khi t\u00f4i chuy\u1ec3n kho\u1ea3n 10 tri\u1ec7u \u0111\u1ed3ng t\u1eeb t\u00e0i kho\u1ea3n DongAbank sang t\u00e0i kho\u1ea3n Vietcombank th\u00ec b\u1ecb tr\u1eeb t\u1edbi g\u1ea7n 13.000 \u0111\u1ed3ng v\u00e0 ph\u1ea3i ch\u1edd 45 ph\u00fat sau s\u1ed1 ti\u1ec1n \u0111\u00f3 m\u1edbi \u201cch\u1ea1y\u201d t\u1edbi t\u00e0i kho\u1ea3n ng\u01b0\u1eddi nh\u1eadn. Qu\u00e1 t\u1ed1n k\u00e9m ph\u00ed v\u00e0 th\u1eddi gian, t\u00f4i quy\u1ebft \u0111\u1ecbnh h\u1ee7y th\u1ebb\u201d – ch\u1ecb Th\u1ee7y cho hay.<\/p>\n

Vi\u1ec7c thanh to\u00e1n h\u1ecdc ph\u00ed, vi\u1ec7n ph\u00ed kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u0169ng g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n. Ch\u00fang t\u00f4i g\u1ecdi \u0111i\u1ec7n tho\u1ea1i \u0111\u1ebfn t\u1ed5ng \u0111\u00e0i c\u1ee7a BV \u0110H Y D\u01b0\u1ee3c TP.HCM \u0111\u1ec3 h\u1ecfi v\u1ec1 th\u1ee7 t\u1ee5c m\u1edf th\u1ebb thanh to\u00e1n vi\u1ec7n ph\u00ed th\u00ec \u0111\u01b0\u1ee3c bi\u1ebft: Hi\u1ec7n t\u1ea1i Ng\u00e2n h\u00e0ng VietinBank \u0111ang li\u00ean k\u1ebft v\u1edbi b\u1ec7nh vi\u1ec7n \u0111\u1ec3 m\u1edf th\u1ebb thanh to\u00e1n vi\u1ec7n ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p m\u00e3 s\u1ed1 b\u1ec7nh nh\u00e2n. Khi ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c m\u1edf th\u1ebb (mi\u1ec5n ph\u00ed) v\u00e0 n\u1ed9p s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u l\u00e0 150.000 \u0111\u1ed3ng, l\u1ea7n sau n\u1ebfu c\u00f3 nhu c\u1ea7u \u0111\u1ebfn kh\u00e1m b\u1ec7nh th\u00ec v\u1edbi th\u1ebb n\u00e0y, ng\u01b0\u1eddi d\u00e2n ch\u1ec9 c\u1ea7n \u1edf nh\u00e0, g\u1ecdi \u0111i\u1ec7n tho\u1ea1i \u0111\u1ebfn t\u1ed5ng \u0111\u00e0i s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p s\u1ed1 th\u1ee9 t\u1ef1 online\u2026<\/p>\n

Tuy nhi\u00ean, th\u1ebb thanh to\u00e1n vi\u1ec7n ph\u00ed ch\u1ec9 d\u00f9ng \u0111\u1ec3 n\u1ea1p ti\u1ec1n, r\u00fat ti\u1ec1n v\u00e0 ti\u00eau ti\u1ec1n (ngo\u00e0i thanh to\u00e1n vi\u1ec7n ph\u00ed c\u00f3 th\u1ec3 thanh to\u00e1n t\u1ea1i si\u00eau th\u1ecb, nh\u00e0 h\u00e0ng\u2026) ch\u1ee9 kh\u00f4ng th\u1ec3 chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb n\u00e0y sang th\u1ebb ATM \u0111\u01b0\u1ee3c.<\/p>\n

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Hi\u1ec7n nay h\u1ea7u h\u1ebft c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec1u c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n qua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng. \u1ea2nh: T.LINH<\/p>\n<\/div>\n<\/div>\n

Ch\u00eca kh\u00f3a mobile<\/b><\/p>\n

B\u00e0n v\u1ec1 gi\u1ea3i ph\u00e1p \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Trung, C\u1ee5c tr\u01b0\u1edfng C\u1ee5c Vi\u1ec5n th\u00f4ng (B\u1ed9 TT&TT), cho hay hi\u1ec7n nay tr\u00ean th\u1ebf gi\u1edbi \u0111\u00e3 c\u00f3 tr\u00ean 90 n\u01b0\u1edbc tri\u1ec3n khai d\u1ecbch v\u1ee5 thanh to\u00e1n qua s\u1ed1 di \u0111\u1ed9ng l\u00e0 mobile money. Mobile money c\u0169ng c\u00f3 th\u1ec3 chuy\u1ec3n kho\u1ea3n, thanh to\u00e1n di \u0111\u1ed9ng, l\u01b0u tr\u1eef ti\u1ec1n nh\u01b0 l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

Theo th\u1ed1ng k\u00ea, doanh nghi\u1ec7p vi\u1ec5n th\u00f4ng t\u1ea1i Vi\u1ec7t Nam s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u l\u1ee3i th\u1ebf khi tri\u1ec3n khai d\u1ecbch v\u1ee5 mobile money v\u00ec c\u00f3 \u0111\u1ebfn 130 tri\u1ec7u thu\u00ea bao di \u0111\u1ed9ng, t\u1ee9c l\u00e0 nhi\u1ec1u h\u01a1n g\u1ea5p \u0111\u00f4i so v\u1edbi s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Cho n\u00ean khi d\u1ecbch v\u1ee5 mobile money \u0111\u01b0\u1ee3c tri\u1ec3n khai r\u1ed9ng r\u00e3i th\u00ec ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 n\u1ea1p ti\u1ec1n, r\u00fat ti\u1ec1n t\u1ea1i m\u1ea1ng l\u01b0\u1edbi c\u1ee7a \u0111\u1ea1i l\u00fd nh\u00e0 m\u1ea1ng di \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y v\u00f4 c\u00f9ng d\u1ec5 d\u00e0ng. \u0110i\u1ec1u n\u00e0y s\u1ebd r\u1ea5t c\u00f3 \u00edch \u1edf nh\u1eefng v\u00f9ng s\u00e2u, v\u00f9ng xa, n\u01a1i ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n

\u00d4ng Ph\u1ea1m Ti\u1ebfn D\u0169ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u0169ng cho r\u1eb1ng h\u1ea7u h\u1ebft c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec1u c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n qua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng. C\u00f9ng v\u1edbi ATM, m\u00e1y POS, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n QR code d\u1ea7n \u0111\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn, s\u1ed1 l\u01b0\u1ee3ng v\u00ed \u0111i\u1ec7n t\u1eed c\u0169ng t\u0103ng l\u00ean g\u1ea7n 5 tri\u1ec7u v\u00ed. Trong th\u1eddi gian t\u1edbi, c\u00e1c ban, ng\u00e0nh li\u00ean quan c\u0169ng s\u1ebd c\u00f3 nghi\u00ean c\u1ee9u v\u1ec1 v\u00ed \u0111i\u1ec7n t\u1eed kh\u00f4ng n\u1ea1p ti\u1ec1n kh\u00f4ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ed1i v\u1edbi thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng, \u00f4ng D\u0169ng cho hay trong t\u01b0\u01a1ng lai g\u1ea7n, c\u00e1c app thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n c\u00f3 th\u00eam l\u1ef1a ch\u1ecdn d\u1ecbch v\u1ee5 c\u00f4ng \u0111\u1ec3 n\u1ed9p thu\u1ebf, ph\u00ed gi\u1ed1ng nh\u01b0 d\u1ecbch v\u1ee5 \u0111\u1eb7t v\u00e9 t\u00e0u, v\u00e9 m\u00e1y bay, c\u00e1c c\u1eeda h\u00e0ng \u0103n… nh\u01b0 hi\u1ec7n nay.<\/p>\n

Tuy nhi\u00ean, theo \u00f4ng D\u0169ng, c\u1ea7n c\u00f3 h\u1ec7 th\u1ed1ng t\u1eadp trung v\u00e0 chia s\u1ebb d\u1eef li\u1ec7u gi\u1eefa c\u00e1c b\u1ed9, ban, ng\u00e0nh v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng m\u1edbi c\u00f3 th\u1ec3 tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1ea1o thu\u1eadn l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

Ngo\u00e0i ra, c\u00e1c chuy\u00ean gia cho r\u1eb1ng c\u1ea7n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n s\u1ebd khuy\u1ebfn kh\u00edch, th\u00fac \u0111\u1ea9y ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

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Thanh to\u00e1n \u0111i\u1ec7n t\u1eed \u1edf Vi\u1ec7t Nam l\u00ean t\u1edbi 13 t\u1ec9 USD\/ng\u00e0y<\/p>\n

Trong n\u0103m 2018, h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 x\u1eed l\u00fd an to\u00e0n v\u1edbi gi\u00e1 tr\u1ecb 73 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng (g\u1ea5p 13 l\u1ea7n GDP, x\u1eed l\u00fd kho\u1ea3ng 13 t\u1ec9 USD\/ng\u00e0y), t\u0103ng tr\u01b0\u1edfng 25% so v\u1edbi n\u0103m 2017; gi\u00e1 tr\u1ecb thanh to\u00e1n qua thi\u1ebft b\u1ecb di \u0111\u1ed9ng t\u0103ng tr\u01b0\u1edfng g\u1ea7n 170% so v\u1edbi n\u0103m 2017. Kh\u1ea3o s\u00e1t c\u1ee7a h\u00e3ng ki\u1ec3m to\u00e1n PwC \u0111\u1ed1i v\u1edbi 27 n\u01b0\u1edbc \u0111\u00e3 ghi nh\u1eadn Vi\u1ec7t Nam l\u00e0 th\u1ecb tr\u01b0\u1eddng t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t v\u1ec1 thanh to\u00e1n di \u0111\u1ed9ng trong n\u0103m 2018 v\u1edbi t\u1ec9 l\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng thanh to\u00e1n di \u0111\u1ed9ng \u1edf Vi\u1ec7t Nam \u0111\u00e3 t\u0103ng t\u1eeb 37% l\u00ean 61%.<\/p>\n

Trong ba th\u00e1ng \u0111\u1ea7u n\u0103m 2019, h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 x\u1eed l\u00fd tr\u00ean 37 tri\u1ec7u giao d\u1ecbch v\u1edbi gi\u00e1 tr\u1ecb g\u1ea7n 21 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng, t\u0103ng t\u01b0\u01a1ng \u1ee9ng kho\u1ea3ng 23% s\u1ed1 giao d\u1ecbch v\u00e0 17% gi\u00e1 tr\u1ecb giao d\u1ecbch so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2018.<\/p>\n

\u00d4ng NGUY\u1ec4N KIM ANH, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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[ad_1] Th\u1ef1c t\u1ebf cho th\u1ea5y d\u00f9 ch\u1ee7 tr\u01b0\u01a1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t t\u1eeb nhi\u1ec1u n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay vi\u1ec7c tri\u1ec3n khai v\u1eabn c\u00f2n manh m\u00fan v\u00e0 n\u1ea3y sinh kh\u00f4ng \u00edt b\u1ea5t c\u1eadp. C\u1ea7n s\u1ef1 ti\u1ec7n l\u1ee3i Ng\u00e0y c\u00e0ng nhi\u1ec1u nh\u1eefng qu\u00e1n \u0103n, xe \u0111\u1ea9y b\u00e1n \u0111\u1ed3 \u0103n […]<\/p>\n","protected":false},"author":2,"featured_media":4929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nGi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t? - Super 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:\/\/super-news.info\/vi\/giai-phap-nao-de-khong-dung-tien-mat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t? - Super News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] Th\u1ef1c t\u1ebf cho th\u1ea5y d\u00f9 ch\u1ee7 tr\u01b0\u01a1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t t\u1eeb nhi\u1ec1u n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay vi\u1ec7c tri\u1ec3n khai v\u1eabn c\u00f2n manh m\u00fan v\u00e0 n\u1ea3y sinh kh\u00f4ng \u00edt b\u1ea5t c\u1eadp. 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