{"id":3569,"date":"2022-07-06T17:34:44","date_gmt":"2022-07-06T10:34:44","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3569"},"modified":"2022-09-28T13:15:31","modified_gmt":"2022-09-28T06:15:31","slug":"ong-lam-minh-chanh-phan-tich-ve-bao-hiem-nhan-tho-bhnt-tu-ky","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/ong-lam-minh-chanh-phan-tich-ve-bao-hiem-nhan-tho-bhnt-tu-ky\/","title":{"rendered":"\u00d4ng L\u00e2m Minh Ch\u00e1nh ph\u00e2n t\u00edch v\u1ec1 B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd, BHNT T\u1eed K\u1ef3"},"content":{"rendered":"

BizUni \u0111\u01b0a tin l\u1ea1i t\u1eeb Facebook \u00d4ng L\u00e2m Minh Ch\u00e1nh, b\u00e0i vi\u1ebft v\u1ec1 \u0111\u1ec1 t\u00e0i: “B\u1ea1n \u0111\u00e3 bi\u1ebft r\u00f5 v\u1ec1 B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd, BHNT T\u1eed K\u1ef3 ch\u01b0a?! Ch\u01b0a hi\u1ec3u th\u00ec \u0111\u1eebng t\u1eeb ch\u1ed1i. Ch\u01b0a hi\u1ec3u th\u00ec khoan h\u00e3y mua.”<\/p>\n

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N\u1ed9i dung b\u00e0i vi\u1ebft:<\/em><\/p>\n

“H\u00f4m qua t\u00f4i post b\u00e0i n\u00e0y: https:\/\/www.facebook.com\/LamMinhChanh\/posts\/2330028943751250 \u0111\u1ec3 t\u00ecm mua s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1eed k\u1ef3 th\u00ec ph\u00e1t hi\u1ec7n nhi\u1ec1u ng\u01b0\u1eddi, k\u1ec3 c\u1ea3 \u0111\u1ea1i l\u00fd, ch\u01b0a bi\u1ebft nhi\u1ec1u v\u1ec1 s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd T\u1eed k\u1ef3. M\u00e0 \u0111\u00e2y m\u1edbi ch\u00ednh l\u00e0 s\u1ea3n ph\u1ea9m g\u1ed1c c\u1ee7a B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd.<\/p>\n

B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd \u0111\u01b0\u1ee3c t\u1ea1o ra \u0111\u1ec3 con ng\u01b0\u1eddi c\u00f3 th\u1ec3 b\u00f9 \u0111\u1eafp h\u1ed7 tr\u1ee3 l\u1eabn nhau khi r\u1ee7i ro x\u1ea3y ra. T\u00f4i l\u1ea5y 1 v\u00ed d\u1ee5 d\u1ec5 hi\u1ec3u: C\u00f3 1000 ng\u01b0\u1eddi, v\u00e0 theo th\u1ed1ng k\u00ea, th\u00ec trong n\u0103m s\u1ebd c\u00f3 3 ng\u01b0\u1eddi ch\u1ebft. Thay v\u00ec ng\u1ed3i ch\u1edd s\u1ef1 r\u1ee7i ro x\u1ea3y ra, thay v\u00ec c\u1ea7u tr\u1eddi m\u00ecnh kh\u00f4ng ph\u1ea3i l\u00e0 1 trong 3 ng\u01b0\u1eddi \u0111\u00f3, ng\u01b0\u1eddi ta ch\u1ee7 \u0111\u1ed9ng b\u1ea3o v\u1ec7 tr\u01b0\u1edbc r\u1ee7i ro b\u1eb1ng c\u00e1ch m\u1ed7i ng\u01b0\u1eddi \u0111\u00f3ng v\u00e0o qu\u1ef9 chung 1 \u0111\u1ed3ng, s\u1ebd \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 l\u00e0 1,000 \u0111\u1ed3ng. Khi r\u1ee7i ro x\u1ea3y ra v\u1edbi 3 ng\u01b0\u1eddi th\u00ec 1,000 \u0111\u1ed3ng n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c chia \u0111\u1ec1u cho gia \u0111\u00ecnh c\u1ee7a 3 ng\u01b0\u1eddi r\u1ee7i ro. M\u1ed7i gia \u0111\u00ecnh \u0111\u01b0\u1ee3c 333 \u0111\u1ed3ng.<\/p>\n

Nh\u01b0 v\u1eady 1 \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ecf ra \u0111\u1ec3 mua s\u1ef1 an t\u00e2m. N\u1ebfu r\u1ee7i ro x\u1ea3y ra th\u00ec gia \u0111\u00ecnh \u0111\u01b0\u1ee3c 333 \u0111\u1ed3ng, \u0111\u1ec3 qua c\u01a1n kh\u00f3 kh\u0103n v\u00ec m\u1ea5t ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u00ednh.<\/p>\n

C\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd \u0111\u1ee9ng ra l\u00e0m vi\u1ec7c thu 1 \u0111\u1ed3ng, v\u00e0 \u0111\u1ec1n b\u00f9 n\u00e0y. (\u0110\u01b0\u01a1ng nhi\u00ean ph\u1ea3i c\u00f3 chi ph\u00ed v\u00e0 c\u00f3 l\u1eddi). C\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd ph\u1ea3i th\u1ea9m \u0111\u1ecbnh tu\u1ed5i, s\u1ee9c kho\u1ebb, ho\u00e0n c\u1ea3nh s\u1ed1ng… \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi tham gia c\u00f3 c\u00f9ng m\u1ee9c r\u1ee7i ro. Trong v\u00ed d\u1ee5 tr\u00ean n\u1ebfu trong 1000 ng\u01b0\u1eddi \u0111\u00f3, c\u00f3 ng\u01b0\u1eddi cao tu\u1ed5i h\u01a1n, ho\u1eb7c c\u00f3 s\u1eb5n c\u00e1c lo\u1ea1i b\u1ec7nh nguy hi\u1ec3m… t\u1ee9c l\u00e0 t\u1ef7 l\u1ec7 t\u1eed vong kh\u00f4ng ph\u1ea3i \u1edf m\u1ee9c 3\/1000, m\u00e0 l\u00e0 4, 5 ho\u1eb7c 6\/1000 th\u00ec h\u1ecd ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o nh\u00f3m 1,000 ng\u01b0\u1eddi kh\u00e1c, c\u00f3 t\u1ef7 l\u1ec7 t\u1eed vong v\u00e0 m\u1ee9c ph\u00ed cao h\u01a1n t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

H\u00e0nh vi c\u1ee7a nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u1ef7 l\u1ec7, r\u1ee7i ro t\u1eed vong cao m\u00e0 kh\u00f4ng \u201ckhai b\u00e1o\u201d th\u00e0nh th\u1eadt nh\u1eb1m m\u1ee5c \u0111\u00edch tham gia b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c ph\u00ed th\u1ea5p h\u01a1n, g\u1ecdi l\u00e0 \u201cAnti Selection\u201d. C\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd kh\u00f4ng th\u00edch kh\u00e1ch h\u00e0ng Anti Selection, v\u00e0 s\u1ebd kh\u00f4ng \u0111\u1ec1n b\u00f9 khi c\u00f3 b\u1eb1ng ch\u1ee9ng r\u00f5 r\u00e0ng v\u1ec1 h\u00e0nh vi Anti Selection c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\"bao
C\u00e1c c\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd th\u00edch b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m t\u1ea1m g\u1ecdi l\u00e0 H\u1ed7n H\u1ee3p n\u00e0y h\u01a1n c\u00e1c s\u1ea3n ph\u1ea9m T\u1eed k\u1ef3, v\u00ec gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m H\u1ed7n h\u1ee3p l\u1edbn h\u01a1n, sinh l\u1ee3i nhi\u1ec1u h\u01a1n so v\u1edbi s\u1ea3n ph\u1ea7m T\u1eed K\u1ef3<\/figcaption><\/figure>\n

Tr\u1edf l\u1ea1i v\u00ed d\u1ee5 1000 ng\u01b0\u1eddi g\u00f3p 1 \u0111\u1ed3ng. S\u1ea3n ph\u1ea9m \u0111\u00f3 g\u1ecdi l\u00e0 s\u1ea3n ph\u1ea9m T\u1eed k\u1ef3 (t\u1eeb ti\u1ebfng Anh l\u00e0 Term Life). Gia \u0111\u00ecnh kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c nh\u1eadn 333 \u0111\u1ed3ng n\u1ebfu r\u1ee7i ro x\u1ea3y ra, v\u00e0 m\u1ea5t 1 \u0111\u1ed3ng n\u1ebfu r\u1ee7i ro kh\u00f4ng x\u1ea3y ra.<\/p>\n

Th\u1ebf nh\u01b0ng nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng th\u00edch m\u1ea5t 1 \u0111\u1ed3ng n\u00e0y. H\u1ecd mu\u1ed1n b\u1ea3o hi\u1ec3m nh\u01b0ng l\u1ea5y l\u1ea1i ti\u1ec1n c\u1ee7a h\u1ecd. V\u00e0 v\u00ec th\u1ebf c\u00e1c c\u00f4ng ty BHNT ph\u00e1t tri\u1ec3n th\u00eam c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c. Thay v\u00ec ch\u1ec9 thu 1 \u0111\u1ed3ng cho B\u1ea3o hi\u1ec3m, h\u1ecd thu th\u00eam nhi\u1ec1u \u0111\u1ed3ng n\u1eefa. L\u1ea5y v\u00ed d\u1ee5 l\u00e0 20 \u0111\u1ed3ng nh\u00e9.<\/p>\n

Khi c\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd thu 20 \u0111\u1ed3ng h\u00e0ng h\u00e0ng n\u0103m v\u00e0 thu trong nhi\u1ec1u n\u0103m (10 n\u0103m, 15 n\u0103m, 20 n\u0103m hay tr\u1ecdn \u0111\u1eddi), th\u00ec h\u00e0ng n\u0103m h\u1ecd s\u1ebd c\u00f3 1 \u0111\u1ed3ng \u0111\u1ec3 lo cho vi\u1ec7c r\u1ee7i ro, v\u00e0 19 \u0111\u1ed3ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. C\u00f4ng ty BHNT \u0111\u1ea7u t\u01b0 19 \u0111\u1ed3ng thu \u0111\u01b0\u1ee3c \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng n\u0103m n\u00e0y v\u00e0o c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 nh\u01b0 tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, ch\u1ee9ng ch\u1ec9 qu\u1ef9 v\u00e0 nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c. V\u00e0 nh\u1edd vi\u1ec7c \u0111\u1ea7u t\u01b0 n\u00e0y m\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n v\u00e0o cu\u1ed1i h\u1ee3p \u0111\u1ed3ng s\u1ebd l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi s\u1ed1 ph\u00ed m\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u00f3ng v\u00e0o. V\u00e0 v\u00ec th\u1ebf m\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng th\u00edch h\u01a1n. H\u1ecd kh\u00f4ng c\u00f3 c\u1ea3m gi\u00e1c b\u1ecb m\u1ea5t ph\u00ed cho b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd g\u1ecdi \u0111\u00f3 l\u00e0 B\u1ea3o hi\u1ec3m + Ti\u1ebft ki\u1ec7m, ho\u1eb7c B\u1ea3o hi\u1ec3m + \u0110\u1ea7u t\u01b0.
\n\u0110\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m, m\u1ed9t c\u00f4ng c\u1ee5 t\u1ed1t gi\u00fap cho c\u00e1c gia \u0111\u00ecnh: B\u1ea3o v\u1ec7 gia \u0111\u00ecnh khi r\u1ee7i ro x\u1ea3y ra, v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n t\u1ed5ng ph\u00ed \u0111\u00f3ng v\u00e0o.<\/p>\n

\u0110\u01b0\u01a1ng nhi\u00ean c\u00e1c c\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd th\u00edch b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m t\u1ea1m g\u1ecdi l\u00e0 H\u1ed7n H\u1ee3p n\u00e0y h\u01a1n c\u00e1c s\u1ea3n ph\u1ea9m T\u1eed k\u1ef3, v\u00ec gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m H\u1ed7n h\u1ee3p l\u1edbn h\u01a1n, sinh l\u1ee3i nhi\u1ec1u h\u01a1n so v\u1edbi s\u1ea3n ph\u1ea7m T\u1eed K\u1ef3. \u0110a s\u1ed1 kh\u00e1ch h\u00e0ng – kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 \u0111\u1ea7u t\u01b0, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 k\u1ef7 lu\u1eadt, kh\u1ea3 n\u0103ng t\u1ef1 qu\u1ea3n l\u00fd ti\u1ec1n c\u1ee7a m\u00ecnh – c\u0169ng s\u1ebd th\u00edch s\u1ea3n ph\u1ea9m H\u1ed7n h\u1ee3p n\u00e0y. Kh\u00e1ch h\u00e0ng c\u1ee9 l\u1ea5y t\u1ed5ng s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c so v\u1edbi t\u1ed5ng ph\u00ed \u0111\u00f3ng v\u00e0o, s\u1ef1 ch\u00eanh l\u1ec7ch c\u00e0ng l\u1edbn th\u00ec h\u1ecd c\u00e0ng th\u00edch. H\u1ecd kh\u00f4ng bi\u1ebft v\u00e0 kh\u00f4ng quan t\u00e2m l\u1eafm \u0111\u1ebfn t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn th\u1eadt c\u1ee7a d\u00f2ng ti\u1ec1n.<\/p>\n

Doanh s\u1ed1 v\u00e0 l\u1ee3i nhu\u1eadn l\u00e0 l\u00fd do ch\u00ednh cho vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd H\u1ed7n h\u1ee3p n\u00e0y c\u1ee7a c\u00e1c c\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd. V\u00e0 v\u00ec th\u1ebf m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 s\u1ea3n ph\u1ea9m T\u1eed k\u1ef3. Ch\u1ec9 m\u1ed9t s\u1ed1 c\u00f4ng ty c\u00f3 s\u1ea3n ph\u1ea9m T\u1eed k\u1ef3, m\u00e0 h\u1ecd c\u0169ng \u00edt khi “push” \u0111\u1ea1i l\u00fd b\u00e1n s\u1ea3n ph\u1ea9m t\u1eed k\u1ef3.<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng ai th\u1eadt s\u1ef1 am hi\u1ec3u v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 \u0111\u1ea7u t\u01b0, th\u00ec thay v\u00ec b\u1ecf 20 \u0111\u1ed3ng \u0111\u1ec3 mua s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd H\u1ed7n h\u1ee3p, h\u1ecd s\u1ebd t\u00e1ch ra: 1 \u0111\u1ed3ng mua s\u1ea3n ph\u1ea9m t\u1eed k\u1ef3, 19 \u0111\u1ed3ng t\u1ef1 \u0111\u1ea7u t\u01b0, ho\u1eb7c t\u1ef1 b\u1ecf v\u00e0o ng\u00e2n h\u00e0ng th\u00ec k\u1ebft qu\u1ea3 thu \u0111\u01b0\u1ee3c s\u1ebd t\u1ed1t h\u01a1n, t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn s\u1ebd cao h\u01a1n. Ch\u1eafc ch\u1eafn l\u00e0 nh\u01b0 th\u1ebf. C\u00e1c b\u1ea1n \u0111\u1eebng tranh lu\u1eadn \u0111i\u1ec3m n\u00e0y nh\u00e9. V\u00ec t\u00f4i s\u1ebd kh\u00f4ng tranh lu\u1eadn \u0111\u00e2u, N\u00f3 l\u00e0 s\u1ef1 th\u1eadt hi\u1ec3n nhi\u00ean, th\u00ec tranh lu\u1eadn l\u00e0m chi.<\/p>\n

V\u00ec th\u1ebf, ng\u01b0\u1eddi \u0111\u1ea1i l\u00fd, t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m h\u00e3y c\u1ee9 ti\u1ebfp t\u1ee5c b\u00e1n s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd H\u1ed7n h\u1ee3p cho kh\u00e1ch b\u00ecnh th\u01b0\u1eddng, k\u1ec3 c\u1ea3 \u0111\u1ea1i gia, mi\u1ec5n l\u00e0 \u0111\u1eebng \u00e9p b\u00e1n m\u1ec7nh gi\u00e1, m\u1ee9c ph\u00ed qu\u00e1 cao so v\u1edbi thu nh\u1eadp c\u1ee7a h\u1ecd.<\/p>\n

Nh\u01b0ng, \u0111\u1ea1i l\u00fd, t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m h\u00e3y t\u00ecm hi\u1ec3u v\u00e0 h\u1ecdc c\u00e1ch b\u00e1n s\u1ea3n ph\u1ea9m B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd T\u1eed k\u1ef3 cho nh\u1eefng kh\u00e1ch h\u00e0ng th\u00f4ng hi\u1ec3u v\u1ec1 b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i ch\u00ednh, nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 \u0111\u1ea7u t\u01b0. Th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u00f2n l\u1edbn l\u1eafm, g\u1ea7n nh\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c khai ph\u00e1. Gi\u00e1 tr\u1ecb v\u00e0 Hoa h\u1ed3ng s\u1ea3n ph\u1ea9m n\u00e0y kh\u00f4ng l\u1edbn, nh\u01b0ng nh\u1eefng s\u1ea3n ph\u1ea9m b\u1ed5 tr\u1ee3 k\u00e8m theo s\u1ebd l\u00e0 kh\u00f4ng nh\u1ecf, v\u00e0 m\u1ed1i quan h\u1ec7 \u0111\u1ec3 referral l\u00e0 r\u1ea5t gi\u00e1 tr\u1ecb.<\/p>\n

T\u00f4i hy v\u1ecdng b\u00e0i vi\u1ebft theo phong c\u00e1ch d\u00e2n gian d\u1ec5 hi\u1ec3u n\u00e0y s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb v\u1edbi c\u00e1c b\u1ea1n \u0111\u1ea1i l\u00fd B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd v\u00e0 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng mu\u1ed1n mua B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd. N\u1ebfu nh\u1eadn \u0111\u01b0\u1ee3c quan t\u00e2m cao, t\u00f4i s\u1ebd vi\u1ebft ti\u1ebfp c\u00e1c b\u00e0i v\u1ec1 B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd: c\u00e1c lo\u1ea1i s\u1ea3n ph\u1ea9m, c\u00e1c l\u1eeba l\u1ecdc trong ng\u00e0nh B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd, c\u00e1c c\u00e1ch b\u00e1n B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd, t\u1ea1i sao bancassurance ph\u00e1t tri\u1ec3n m\u1ea1nh th\u1ebf, c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ea1i l\u00fd, t\u1ed5ng \u0111\u1ea1i l\u00fd, m\u00f4i gi\u1edbi trong ng\u00e0nh BHNT, xu th\u1ebf online c\u1ee7a B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd…<\/p>\n

Th\u00e2n \u00e1i
\nL\u00e2m Minh Ch\u00e1nh<\/p>\n","protected":false},"excerpt":{"rendered":"

BizUni \u0111\u01b0a tin l\u1ea1i t\u1eeb Facebook \u00d4ng L\u00e2m Minh Ch\u00e1nh, b\u00e0i vi\u1ebft v\u1ec1 \u0111\u1ec1 t\u00e0i: “B\u1ea1n \u0111\u00e3 bi\u1ebft r\u00f5 v\u1ec1 B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd, BHNT T\u1eed K\u1ef3 ch\u01b0a?! Ch\u01b0a hi\u1ec3u th\u00ec \u0111\u1eebng t\u1eeb ch\u1ed1i. Ch\u01b0a hi\u1ec3u th\u00ec khoan h\u00e3y mua.” N\u1ed9i dung b\u00e0i vi\u1ebft: “H\u00f4m qua t\u00f4i post b\u00e0i n\u00e0y: https:\/\/www.facebook.com\/LamMinhChanh\/posts\/2330028943751250 \u0111\u1ec3 t\u00ecm mua s\u1ea3n…<\/p>\n","protected":false},"author":2,"featured_media":3570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[2],"tags":[55,58],"class_list":["post-3569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ca-nhan","tag-bao-hiem-nhan-tho","tag-bao-hiem-nhan-tho-tu-ky"],"featured_image_src_large":["https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/bao-hiem-nhan-tho-lam-minh-chanh.jpg?fit=1024%2C536&ssl=1",1024,536,true],"author_info":{"display_name":"Hi\u1ec1n Nguy\u1ec5n","author_link":"https:\/\/bizuni.vn\/dau-tu\/author\/hn\/"},"comment_info":0,"category_info":[{"term_id":2,"name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":2,"taxonomy":"category","description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","parent":0,"count":17,"filter":"raw","cat_ID":2,"category_count":17,"category_description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","cat_name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","category_nicename":"tai-chinh-ca-nhan","category_parent":0}],"tag_info":[{"term_id":55,"name":"b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd","slug":"bao-hiem-nhan-tho","term_group":0,"term_taxonomy_id":55,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":58,"name":"B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd T\u1eed K\u1ef3","slug":"bao-hiem-nhan-tho-tu-ky","term_group":0,"term_taxonomy_id":58,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"}],"taxonomy_info":{"category":[{"value":2,"label":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}],"post_tag":[{"value":55,"label":"b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd"},{"value":58,"label":"B\u1ea3o hi\u1ec3m Nh\u00e2n Th\u1ecd T\u1eed K\u1ef3"}]},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/bao-hiem-nhan-tho-lam-minh-chanh.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/comments?post=3569"}],"version-history":[{"count":4,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3569\/revisions"}],"predecessor-version":[{"id":3786,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3569\/revisions\/3786"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media\/3570"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media?parent=3569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/categories?post=3569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/tags?post=3569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}