• Nghien cdu - Trao doi
PHAT TRIEN KINH TE CHIASE
VUNG KINH TE TRONG DIEM PHIA NAM
TS. TRAN MINH TAM'' ThS. VU THI QUY'"^
Tom t4t: Kinh ti chia se Id md hinh kinh te hien dgi hieu qud vd phii hap vdi xu thi cua cdch mgng cdng nghiep 4.0. Vung Kinh ti trgng diem phia Nam (Viet Nam) duac ddnh gid Id khu vuc kinh te phdt trien sdi ddng vdi do md kinh ti cao, tiep thu nhimg xu thi phdt trien mdi me trin the gidi. Vi vdy. phdt trien kinh te chia se d viing Kinh te trong diem phia Nam Id xu thi tdt yeu. Bdi viit phdn tich mgt sd yeu td chinh tdc ddng den hogt ddng kinh te chia se d vung Kinh te trgng diem phia Nam (bao gdm: mdi trudng phdp li, mdi trudng kinh te, mdi tnrdng khoa hgc cdng nghe vd mdi trudng xd hdi). Tie do, di xudt mot sd kiin nghi lien quan din hodn thien khung phdp li, ndng cao nhgn thuc eac ben lien quan, ndng eao chdt lugng ca sd vdt chdt (phu sdng internet, hi thdng thanh todn true tuyen, bdo mat internet...) nhdm thuc day phdt triin kinh te chia se d vung Kinh te trgng diem phia Nam.
Tur khda: kinh te chia se; viing Kinh te trgng diim phia Nam; yeu to tdc ddng
I
Khai quat ve kmh te chia se Kinh te ehia se la md hinh kinh te ra• d d i va phat trien frong bdi canh eiia cudc each mang cdng nghiep 4.0. Vdi su phdt triln manh me eiia cdng nghe thdng tin, vide eung cip hang bda, dieh vu da vupt qua gidi ban ve thdi gian cimg nhu khdng gian, ngay eang dap ling tdt hon ki vgng ciia khach hang, ddng thdi tilt kidm ngudn lyc frong qud trinh van hanh san xuat - kmh doanh.
I- p.j ("I Hoc vien Chinh tri khu vyc II, Hpc v tn quoc gia Ho Chi Minh
n Chinh
Vd ban chit, kmh tl ehia se la he thdng kmh te ma tai san hoac dich vy dupc chia se giua cac ca nhan mdt each midn phi hoae cd phi, vdi dae diem dac trung la gia,o dieh thdng qua cae cdng cu mtemef". Nguyen tSc boat ddng chmh cua kinh te chia se la vide dimg chung tai san hoae dich vu giira cac cd nhan va cac nhdm, nhdm mue heu tang hipu qua su dung tai san khi chu nhan'khdng dimg ddn hoae dimg khdng hit cdng sudt, cdng nang ctia tai sdn dd. Thdng thudng, kinb tl ehia se duge thuc Men thong qua eong cu intemet dac biet la cac img dung fren thiet bi di dpng ' '
Nhu vay, Igi ich ndn kinh td chia se mang lai la
S o 7 / 2 0 1 9
• Nghien cdu - Trao ddi 59 rat ldn, cu tbl: tilt kidm cbi phi, bao vd mdi trudng,
tang tinh hieu qua frong nen kinh te, giam lang phi tdi nguydn, tan dung nang luc, cdng nang du thira tir cdc tai san, dieh vu,,. Day chinh la nhiing yeu td lam cho md hinh kinb te chia se cd tiem nang phat triln ldn frong tuong lai.
Ttinam 2014, Viet Nam thi didm mo hinh kinh doanh iing dyng dieh vu cdng nghd kdt ndi van tai vdi hai doanh nghidp la Uber va Grab. Ngay sau khi Uber nit khdi tbi trudng vao thdng 4/2018, Viet Nam da chiing kidn su phdt tridn manh me ciia kinh td chia se. Lidn quan den boat ddng van tai cd cde ting dung VATO, Be, Go-Viet, Aber, FasKjo, T.Net... Ci linb vuc khde, Afrbnb la md hinh kit ndi ngudi can thue nha vdi nhirng gia ffinh cd phdng frdng, can cho thue thdng qua iing dung di dpng, Triip.rae ciing sir dung md hinh kinh doanh tuang ty nhu Airbnb. Cdc ting dyng dich vu tdi chinh iing dung cdng nghd (peer-to- peer lendmg) cung cap nen tang ket ndi giiia ben cho vay va ngudi di vay, nhu Huydong, Tima, Vaymuon, SHA, Lendbiz.,.
Nghi quyit sd 53/NQ-TUngay 29/8/2005 ciia Bp Chinb tri vephdt trien kinh te - xa hgi vd bdo ddm quoc phdng an ninh vung Ddng Nam bg vd Viing Kinh ti trgng diemphia Nam din ndm 2010 vd dinh hudng din ndm 2020 da xdc dmh: Thanh phd Hd Chi Minh la "dau tau" thuc day su phat tridn khih td cua vung Kinh te frpng diem phia Nam, tao da eimg cd nudc tidn nhanh, tidn virng chae v ^ qud trinh cdng nghiep hda, bien dai hda.
Hidn nay, viing Kinh td frpng diem phia Nam la mdt trong nhirng trung tam kinh td eiia cd nudc hudng tdi day manh ddi mdi sang tao, nang cao nang lyc canh tranh phii hpp vdi bdi canh each mang edng nghidp 4.0. Vi vay, phat tridn kinh td chia se tai vimg Kmh td frpng diem phia Nam la mot frong nhung lmh vuc can quan tam, gdp phan phat frien kinh td Vimg tbeo hudng hidn dai, phu hgp vdi xu hudng thdi dai.
2. Cac yeu t6 tac dong den phat trien kinh te chia se a vimg Kinh t l trgng fliSm phia Nam
- Yeu to chinh sdeh, phdp lugt
Hien nay, d Viet Nam ehua cd khung phap li dieu chmh hoat ddng kmh t l chia se, ma ehu yeu
sit dung nhiing quy dinb ridng Id d tiing liiih vuc cu the. Vi dy: ve dang ki boat dgng, dia vi phdp li, quydn va nghla vu ciia cdc ben frong md hinh kinh td chia se, cac chu tbl lidn quan... hian thu theo quy dinb phdp luat ve dang ki kinh doanh tai cac luat lidn quan, nhu Luat Dan sy, Luat Doanh nghidp, Luat Dau tu, Luat Du lich, Luat Nha d, Luat Cac td chuc tin dung, Luat Giao thdng dudng bd va cdc luat phap vd thdng tin, thuang mai didn tii...
Mac du khung phdp h hoan chinb chua dupc xay dung, nhung cac ca quan quan li nha nudc da kip thdi cd nhung ddng thai nhdm quan li boat ddng kinh td chia se, cy the la ban hanh mdt sd van ban de didu chinb boat ddng nay. Trong ITnh vyc van tai, Bd Giao thdng van tai ban banh Ke hoach thi diem tridn khai iing dung khoa bgc - cdng nghe hd frg quan li va ket ndi boat ddng van tai hanh khdch theo hop ddng theo Quyet dinh sd 24/QD- BGTVT ngdy 07/01/2016 cho loai xe d td dudi 9 chd ngdi; Chinb phu xay dung Du thdo Nghi dmh sira ddi Nghi dmh sd 86/2014/ND-CP vd Idnh doanh vd didu kien kinb doanh van tai bang xedtd...
Ddi vdi dich vy chia se tai chmh iing dung edng nghd, eac ca quan quan li ctmg chua dua ra cac quy dinh quan h cy the. Tuy nhidn, Ngan hang Nha nudc da bat dau nghidn ciiu dd ban hanh khung phap li dieu chinh thir nghidm ddi vdi eac boat ddng cdng nghe tai chinh (fintech), frong dd cd md hinb dich vu chia se tai chinh.
Dich vu cho thud phdng iing dung edng nghe vdi nhieu lgi ich nhung ciing khdng it mat trai, nhu nhilu chii nha, chii kinh doanh bat ddng sdn bd qua cdc quy dinh frong kinh doanh ve xay dung, an ninh dd dii, canh bao an toan, phdng chay chiia chay,.. dl cai tao nha, eho thud kidm ldi. Nguydn nhan chu ydu do ehua cd khung phdp h dieu ehinh.
Ngoai ra, vimg Kinb te frpng dilm phia Nam ciing nhu frong ca nudc cdn thidu eac ehinh sdch bao dam canh franh cdng bang giiia kmh td truydn ihdng va kinh tl chia se frong tiing ngdnh; thieu cac CO chl chinh sach quy dmh frdeh nhiem ro rang giiia eac chii the frong boat ddng kinh td chia
•") 7 / 2 0 1 9
60 • Nghien cdu - Trao doi se... Dac bidt, vd thud, do mdt sd boat ddng cua
kinh tl ehia se cd dae tbii ndng va ed tinh dan xen gitra cde nganh, ndn ca quan thud gap khd khan frong vide phan loai thu nhap, budng dan sit dyng bda don, chiing tii ddi vdi timg bdn tham gia frong md hinh nay.
Nhu vay, mudn phdt trien kinh td chia sd d vimg Kinh td frpng didm phia Nam can tao ra mdi tmdng phap li tidn bd, minh bach va toan didn.
Day la ylu to cdn rat thidu khdng ehi d viing Kinh tl frpng didm phia Nam, ma edn ddi vdi ed nudc.
Do vay, can nd lyc de kip thdi hoan thidn khung phdp li, tao can cir dd kinb te chia sd boat ddng thuan Igi va phii hpp vdi chidn lupc phdt tridn chung ciia ndn kinh td.
- Yeu to kinh te
Dien tich viing Kinh td frpng didm phia Nam cbi chiem 9,2% va dan sd chiem 21 % ciia cd nudc, nbung GRDP cua Viing chiem hon 45% GDP ed nudc, ddng gdp tren 42% tdng thu ngan sdch nha nudc. Cu thd: nam 2018, GRDP cua Vimg dat khoang 2.517 nghin h ddng; tdc dp tang trudng GRDP bmh quan hang nam giai doan 2016-2018 dat khoang 6,72%/nam; thu nhap binh quan dau ngudi nam 2018 dat 6.407 USD/ngudi, gdp 2,48 lan so vdl ca nudc; thu ngan sach nha nudc nam 2018 dat khoang 608 nghm ti ddng'^'.
Su phat trien cua cdc nganh dich vu, dae biet Id ngdnh ban le bang hda, du lich.., cimg vdi muc sdng cua ngudi dan frong Vimg tuang ddi cao (cao gap 2,48 lan so vdi miic bmh quan ea nudc)'^' Cling lam cho nhu eau di lai, an udng, luu tni,.. eiia ngudi dan frong Vimg ngdy cang cao, ddi bdi cac hinh thiie cung cap dich vy ngay cang da dang, phii hpp vdi xu the phat tridn xa hpi va khoa hpc edng nghd.
Ngoai ra, vdi vi tri dia U thuan lgi, la dau mdi giao thdng dudng bd, dudng sat, dudng thuy va dudng bang khdng, Vimg Kinh te frpng didm phia Nam ed luu lugng van tai hang hda, hanh khach rat ldn va edn tiep tue gia tang manh me frong tuong lai. Chua ke van tai lidn viing va qude td, boat ddng van tdi frong pham vi ndi Viing ciing rat sdi ddng, phuc vu ban 20 Qidu ngudi. Day eiing ehinh la tbi trudng chinb cua ede md hinh kinb td
chia se frong Iihh vye giao thdng van tai.
- Yeu td khoa hgc - eong ngh$
Muc do phu sdng eua mang internet Kinb td chia se boat ddng chu ylu thdng qua ede ling dung cdng nghd thdng tin, vi vay, mang intemet la ylu td khdng till thidu frong phdt tridn kmh tl chia sd, Tham chilu Bang xdp hang hiclusive Internet bidex eua The Economist, su phdt triln cua mang intemet d Viet Nam da diing thii 9 h^ng sd 21 qude gia chau A va thii 44 tx%iv toan can''*'. Ve so lupng ngudi dung intemet, tinh din thang 12/2018, nudc ta cd tdi 64 frieu ngudi, chidm 65,7% dan sd ea nude. Viet Nam la qude gia ed ti Id ngudi dung intemet cao thir 15 trong tdng sd 35 qude gia/vimg lanh thd dupc khao sat frong khu vyc chau A*^'. Dac bidt tai cac thanh phd ldn, nhu Thdnh phd Hd Chi Minh va kbu vuc do thi vimg Kinh td frpng diem phia Nam, muc dp phu sdng intemet cao bon rd ret so vdi cdc dia phuang khae. Intemet cd thd duge truy cap mpi liic, mpi noi thdng qua cae didm tmy cap wifi hoac dich vy vidn thdng (3G, 4G). Thanh phd Hd Chi Mmh cting Id dia phuang dau tidn tai Viet Nam dugc lya chpn dd thir nghidm mang 5G vao dau nam 2019'^. Tir nam 2014, Thanh phd da ed chuang trinh xay dung be thdng diem truy cap intemet midn phi.
Nhu vay, vung Kinh tl frpng didm phia Nam vdi dau tau Thanh phd Hd Chi Mmh Id mpt frong nhiing dja phuang diing ddu ed nude vd phdt tridn ha tdng mtemet, tieh eye phd cap mtemet tdi ngudi dan. Ha tdng intemet phii sdng rdng khdp, chat Iugng bao dam va dn dinh, ti le Idn ngudi dan tiep can va su dung mtemet Id nhimg ylu td rut cdn thiet va thuan Igi dd thiic ddy phat fridn md Mnh kinh td chia se tai Vimg.
+ Nen tdng thanh todn true tuyen Thanh todn fruc tiiyln khdng phdi la ylu td bdt huge frong cde md Mnh kinh tl cMa se (ngudi mua va ngudi ban van ed the lua chpn thanh todn b W tien mat khi nhan hdng - COD). Tuy nhien, nin tang thanh todn frye friydn tdt cho phep gia tang tmh tien loi, Mih boat vd thiie ddy boat ddng kuih te cMa se phat fridn manh me ban. Bdi f h . . t t.A.
tiire tuyen giiip tidt kiem tiidi gian ^•31, thanh toan vacM phi, tang
i 7/20lj
• Nghien cdu - Trao ddi
tinh bao mat, giam tMeu riii ro (tra tien ma khdng nhan dugc bang hay gui bang ma khong dupc tidn,..). Hidn nay, thanh toan true tuydn tai vung Kmh tl frgng diem phia Nam da tucmg doi phdt tridn, vdi nMdu hinh thiic da d ^ g , nhung ridng ho^t dpng kinh td cMa se chu yeu thanh todn thdng qua cac Mnh thirc: qua ede dieh vu ngan hang true tuydn, vi dipn tu va edng thanh toan tryc tuydn.
Hiu hit cac ngan hang ihuong mai tai vimg Kinb
^ trpng didm pWa Nam da cd dich vu thanh todn true tuydn thdng qua mdt tdi khoan ngan bang true hiydn. Vi du: BIDV Smart Bankmg, eFAST VietinBank, VCB-iBankmg, Agribank Intemet Banking, DongA Intemet Banking, Sacombank e-Banking, Teeheombank Fast i-bank... Cae cdng flianh todn tryc tuyen uy tin Men nay, nhu Ngan Lugng, Bdo Kim, I23pay, VTCpay, Onepay, Payoo, Senpay, Vnpay, Napas... Cac vi dien tit cting dugc nMdu ngudi lya chpn, didn hinh nhu Momo, VTCpay, Zalopay, Moca, Vi Viet, Bankplus,.,
Nhiing nam gdn day, chat Iugng dich vu thanh todn true tuydn ngdy cang dugc cai thidn do cdc don vi da ngMdn ciiu, iing (hmg cdng nghd, giai phdp mdi, hidn dai vdo boat ddng thanh toan, nhu ap dung xac thuc suib trdc hpc, ma QR, sd bda thong tm the, thanh todn pM tidp xiic, sir dung dien thoai thdng minh lam tMdt bi chap nhan thanh toan,,. Nhting edng nghd, gidi phdp mdi nay da nang cao dO an toan, bao mat giao dich va dem lai sir tidn lgi, gidm cM pM, dugc ngudi tidu dimg va cae don vi eung ling hdng hda, dieh vy ddn nhan tich cyc. Tuy nMen, thdi quen dung tidn mat eiia ngicdi dan va tam li e ngai van dd bao mat thdng tin cd nhan kMen vide sir dung ede hinb thiic thanh toan tryc tuyin chua phat trien manh, Ngoai ra, he thing thanh todn fryc tuyin tuy da dang nbung manh miin, nhd le, ehua cd tinh be thdng toan dien, chua dupc kit ndi dd phu sdng rdng khap.
Trong tuong lai, kM ngudi dan dan quen vdi cdc phuong thue thanh todn mdi, cde cdng cu thanh toan true tuydn dupe edi fliien va ndng cao chat lugng, hoat dgng kmh td cMa se se duge tidp thdm nhting ddng lyc mdi va manh me frong qud hinh phdt tiiln.
+ Tinh bdo mgt thdng tin
Khd nang kdt ndi vd ban (khdng bi gidi ban bdi khdng gian, tiidi gian) va ban chdt xa hdi sdu sac etia khdng gian mang dang dat ra nbiing tiiaeb thuc frdn quy md toan edu nhu: chidn tranh mang, khung bd mang, tdi pham mang, nMeu loan thdng tin.., Tai Viet Nam, he thdng thdng tin frpng ydu, nhat la thdng tin frong cac Iinh vyc hang khdng, ngan bang, vidn thdng vd cdc cdng ty tai chinh, nang Iugng... da timg bi de dpa. Didn huih Id vu tan edng mang vao he thdng thdng tin khach bang ciia Vietnam Aulines ngay 29/7/2016, vy khdch hang cua Vietcombank bi mat 500 trieu ddng qua giao dieh Intemet Banking, vy tin tae ddnh edp tai khoan khdch bang cua BIDV va HSBC'i.,,
Trong quy 111/2018, Viet Nam xep tiui 19 frong danh sach cdc qude gia cd sd lugng website bi tdn cong Idn nhat thd gidi, vdi 1.183 website bi tan edng, frong dd website doanh ngMep la ddi tupng cua dai da sd cde thitae. Cuthe: 71,51% sd cudc tSn cdng nham vao ede website doanh ngMdp, tidp theo la website thuang mai didn tir, vdi ti Id 13,86%'^'.
Thyc te frdn eho thay, tinh bao mat eiia be thdng intemet d Viet Nam ndi ehung va vimg Kinh td frpng diem phia Nam ndi ridng Men chua cao. Van dd birc tMit ddt ra trudc sy phdt tridn manh me ciia nin kmh td chia se la can gia tang miic dp an toan, tin eay, bao mat thdng tin fren mdi trudng mtemet (ndn tang co ban cua cdc md hinh kmh td cMa se).
- Yeu to xd hpi + Ddncu
Hidn dan sd etia vimg Kinh te frpng didm pMa Nam khoang 20 trieu ngudi, frong dd, ti Id dan cu tiianh thi dang cd xu budng gia tang frong tiiap ki gdn day. Tmh din nam 2017, ti frgng dan eu tiianh tbi vd ndng thdn viing nay lan lugt la 55,2% va 44,8%. Hidn nay, dan so tiianh thi tix)ng vimg ldn ban dan so ndng tiidn khodng 2 frieu ngudi va ed xu hudng tilp tue gia tang frong nhung nam tdi do qua trinh dd thi hda, edng ngMep bda frong Viing dang dien ra manh me. Vimg Kinh td frgng diem pMa Nam ciing Id khu vyc cd mat dp dan sd tuong doi cao, khodng 910 ngudi/km^ (nam 2017), gdp 3,2 ldn so vdi mat dp frung buih ea nude'^'.
^"SBWahn ' 7 / 2 0 1 9
• Nghien cdu - Trao ddi Nhu vay, viing Kinh td frpng didm pMa Nam
Id nai hpl tu eac didu kien: dan eu phan Idn sdng tap trung vdi mat dp tuang ddi day, ti frpng ldn dan eu smh sdng d khu vuc thanh thi cimg vdi ket cau ba tdng tuong ddi phdt tridn d cac dd thi. Day la nhung ylu to thuan loi giiip hinh thanh nen thi trudng tidm nang cho boat ddng kinh td chia se d nMlu lmh vye, nhu giao thdng van tdi, cdng nghe tdi chmh, luu tini, an udng...
+ Vdn hda
Ngudi dan vimg Kinh tl frpng dilm pMa Nam ndi rieng vd Nam bd ndi chung vdi dae tnmg la tinh cdi md, nang ddng, linh boat, lanh lgi, gidi img bidn do xa hdi sdm phdt tridn cac boat dpng giao thuang. Ngudi ddn d day edn rdt frgng nghTa, bdo Mep, sdn sang chia se khd khan vdi ngudi khde.
Vdi nhung net van hda edi md dac trung, vimg Kinh te frpng didm phia Nam la dia phuang thuan Ipi, cd nhidu ca bdi dd thir ngMdm va phat trien cdc md hinh kinh td mdi nhu Idnh td cMa se, Dac biet, tinh each hao sang, san sang cMa se, diim bpc ciia ngudi dan frong Vimg ciing phu hgp vdi bdn chat cua boat ddng kinh te cMa se - cMa se tdi san khi khdng sir dyng het cdng nang.
3. Mot so khuyen nghi
- Nang cao nhan thiirc xd hpi ve kinh ti chia se
Kinb te cMa se la md hinh kinh te Men dai, Meu qua, phu hop vdi bdi canh phdt trien eua ndn kinh td frong each mang cdng nghiep 4.0. Vi vdy, tang cudng nhan thirc ciia cdc bdn frong ndn kinb te cMa se, bao gdm Nha nudc, doanh nghiep, ngudi dan... Id bidn phap can tiiidt de tao didu kidn phdt tridn kmh td ehia se. Can nhin nhan su phdt tridn eiia kinh te chia se la tdt ydu, phu hpp vdi xu the phdt tridn ciia cdng nghd thdng tin, Tir dd, tao didu kien cho cac boat ddng kinh td cMa se phat tridn di kem vdi nhiing chinh sdch khuydn kMcb phit hpp dd thiic day phdt trien md Mnh kmh te nay.
- Hodn thien khung phdp li dieu ehinh kinh te chia si
Hodn thien khudn khd, he thdng phdp luat va chinb sdch Men hanh dd eac boat ddng kinb tl cMa se dugc qudn Ii va kidm soat chat che tai
viing Kinh td frpng dilm pMa Nam cung nhu frong ca nude (vd dang ki kmh doanh, tiiyc hien nghia vu thud, ngMa vu tai cMnh, ngMa vu khai bao tiidng tin, nghla vu dap ung ede didu kien kmh doanh chuyen nganh, nghia vu vd thyc Men cMnh sdeh bdo Mdm...). Dac bidt, cdn quy dinb rd tirach nhidm giiia cdc chii tbl tix)ng boat ddng kmh te ehia se, quy dinb rd ti^ch nMem cua cac ca quan chuc nang frong vide qudn li cac md hinh kinh doanh nay.
Ngoai ra, luat phap can bdo dam mdi tmdng thuan Igi ebo kinb td chia se phat trien, ddng thdi tao ra mdi tiirdng eanh tranh bmh dang giua kinh tl chia se vdi ede md hinh kinh doanh truydn thdng,
- Phdt trien mgng lu&i internet
Mang Iudi mtemet fren dia ban Vung Kinh te frpng diem pMa Nam phdt tridn tuang ddi manh me so vdi ede khu vuc khac, nbung tap tnmg chu yeu d cae thanh phd, miic do phu sdng va nhdn tbiie vd internet d khu vuc ndng thdn cdn ban ehd.
Can cd ke hoach xay dyng mang Iudi intemet phii sdng rong khap tir tiianh tbi den ndng thdn. Ddng thdi, nang cao chat lugng he thdng intemet, nang eao nhan thiic, ki nang cua ngudi dan frong Vimg ve intemet, ciing nhu img dung intemet frong kmh te chia se.
- Phdt triin he thong thanh todn true tuyen Phat tndn be thdng thanh toan trye tuyen la bidn phap can thue hien song hanh d l phat triln bidu qua nen kinh te chia se. Dd nang cao hieu qua he thdng thanh toan UTJC myln, edn cd cde bidn phap hoan tMen khung phdp li vl tiianh todn fruc tiiyen, nang cao chdt lugng kit cau ha tang tiianh toan tiiie tuydn, ndng cao nhan thiic cua ngudi dan vd thanh toan tme tiiyln, frdn an tam li e ngai giao dieh tidn qua cae phuang tien didn tii,,.
Ben canh vide chu trpng kit ndi thanh toan true tiiyen giua ben mua vd bdn bdn, cdn phdt frien cong dich vu cdng true Uiydn cua Bd Tai chinh, cdng thuang mai didn frr ciia Bd Cdng thuong vdl cdng thanh loan dien hi ciia Ngan hang Nha nudc dd hd trg boat dpng nop thui.
ph. thong qua mang Iudi thanh todn fryc tuyin.
(^em tiip trang 66) S o 7/201
