{"id":5081,"date":"2026-07-20T01:47:48","date_gmt":"2026-07-19T18:47:48","guid":{"rendered":"https:\/\/useful.vn\/?p=5081"},"modified":"2026-07-20T01:47:48","modified_gmt":"2026-07-19T18:47:48","slug":"ngan-hang-nao-huong-loi-khi-noi-tran-von-ngan-han-cho-vay-trung-dai-han","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=5081","title":{"rendered":"Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i khi n\u1edbi tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n?"},"content":{"rendered":"
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\nNg\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i khi n\u1edbi tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n? <\/h1>\n

Vi\u1ec7c n\u00e2ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n theo \u01b0\u1edbc t\u00ednh c\u1ee7a VCBS, c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng t\u00edn d\u1ee5ng, trong \u0111\u00f3 nh\u00f3m ng\u00e2n h\u00e0ng quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t.<\/p>\n

Th\u00f4ng t\u01b0 25 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7, n\u00e2ng t\u1ef7 l\u1ec7 t\u1ed1i \u0111a s\u1eed d\u1ee5ng v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n (SMLR) t\u1eeb 30% l\u00ean 40% v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, t\u1ef7 l\u1ec7 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m t\u1eeb 40% xu\u1ed1ng 30% v\u00e0 \u00e1p d\u1ee5ng t\u1eeb \u0111\u1ea7u n\u0103m 2023 nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro ch\u00eanh l\u1ec7ch k\u1ef3 h\u1ea1n gi\u1eefa ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng v\u00e0 cho vay.<\/p>\n

C\u00f4ng ty Ch\u1ee9ng kho\u00e1n Vietcombank (VCBS) \u0111\u00e1nh gi\u00e1, vi\u1ec7c n\u00e2ng tr\u1ea7n l\u00ean 40% kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 “l\u00f9i b\u01b0\u1edbc” trong qu\u1ea3n tr\u1ecb r\u1ee7i ro. C\u00f4ng ty n\u00e0y cho \u0111\u00e2y l\u00e0 bi\u1ec7n ph\u00e1p n\u1edbi l\u1ecfng c\u00f3 t\u00ednh to\u00e1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 n\u1ec1n kinh t\u1ebf, t\u1ea1o th\u1eddi gian v\u00e0 kh\u00f4ng gian cho c\u00e1c ng\u00e2n h\u00e0ng t\u00edch l\u0169y ngu\u1ed3n l\u1ef1c tr\u01b0\u1edbc khi b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n chu\u1ea9n h\u00f3a Basel III kh\u1eaft khe h\u01a1n t\u1eeb n\u0103m 2028.<\/p>\n

Theo \u0111\u00f3, hai n\u0103m n\u1eefa, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh r\u00f2ng (NSFR) theo chu\u1ea9n Basel III – ch\u1ec9 ti\u00eau ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u t\u00e0i tr\u1ee3 d\u00e0i h\u1ea1n b\u1eb1ng c\u00e1c ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh – thay cho quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n. Theo l\u1ed9 tr\u00ecnh, NSFR ph\u1ea3i \u0111\u1ea1t t\u1ed1i thi\u1ec3u 90% t\u1eeb n\u0103m 2028 v\u00e0 100% t\u1eeb n\u0103m 2030.<\/p>\n

C\u00f2n v\u1edbi quy \u0111\u1ecbnh m\u1edbi n\u00e2ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40% \u0111\u01b0\u1ee3c Ch\u1ee9ng kho\u00e1n Vietcombank \u01b0\u1edbc t\u00ednh c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng kho\u1ea3ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng d\u01b0 \u0111\u1ecba cho vay trung v\u00e0 d\u00e0i h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Ph\u1ea7n d\u01b0 n\u1ee3 t\u0103ng th\u00eam n\u00e0y ch\u1ee7 y\u1ebfu s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e0nh c\u00f3 chu k\u1ef3 ho\u00e0n v\u1ed1n d\u00e0i nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, n\u0103ng l\u01b0\u1ee3ng t\u00e1i t\u1ea1o, \u0111\u1ea7u t\u01b0 c\u00f4ng v\u00e0 h\u1ea1 t\u1ea7ng c\u00f4ng nghi\u1ec7p. Theo \u0111\u00f3, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n ng\u00e0nh m\u1ed7i n\u0103m k\u1ef3 v\u1ecdng \u0111\u1ea1t 17%, VCBS nh\u1eadn \u0111\u1ecbnh.<\/p>\n

Theo c\u00f4ng ty ch\u1ee9ng kho\u00e1n n\u00e0y, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 trung v\u00e0 d\u00e0i h\u1ea1n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 t\u0103ng tr\u1edf l\u1ea1i kho\u1ea3ng 48-49%, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng giai \u0111o\u1ea1n 2020-2021, t\u1eeb m\u1ee9c kho\u1ea3ng 46% v\u00e0o cu\u1ed1i n\u0103m 2025.<\/p>\n

Trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng d\u00e0i h\u1ea1n th\u01b0\u1eddng cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi k\u1ef3 h\u1ea1n ng\u1eafn, vi\u1ec7c \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng nhi\u1ec1u h\u01a1n ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n c\u0169ng gi\u1ea3m \u00e1p l\u1ef1c ph\u1ea3i ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu t\u0103ng v\u1ed1n c\u1ea5p 2 k\u1ef3 h\u1ea1n d\u00e0i v\u1edbi l\u00e3i su\u1ea5t cao. Qua \u0111\u00f3, chi ph\u00ed v\u1ed1n v\u00e0 h\u1ed7 tr\u1ee3 bi\u00ean l\u1ee3i nhu\u1eadn (NIM) c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n trong n\u1eeda cu\u1ed1i n\u0103m nay.<\/p>\n

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Giao d\u1ecbch t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. \u1ea2nh: Thanh T\u00f9ng<\/em><\/p>\n<\/figcaption><\/figure>\n<\/div>\n<\/div>\n<\/div>\n

VCBS \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 h\u01b0\u1edfng l\u1ee3i s\u1ebd kh\u00e1c nhau gi\u1eefa c\u00e1c nh\u00f3m ng\u00e2n h\u00e0ng tr\u01b0\u1edbc quy \u0111\u1ecbnh m\u1edbi.<\/p>\n

Nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh<\/strong><\/span> g\u1ed3m BIDV, Vietcombank, Vietinbank lu\u00f4n duy tr\u00ec t\u1ef7 l\u1ec7 SMLR \u1edf m\u1ee9c r\u1ea5t an to\u00e0n t\u1eeb 20% \u0111\u1ebfn 25%. Nh\u00f3m n\u00e0y s\u1edf h\u1eefu l\u1ee3i th\u1ebf l\u1edbn v\u1ec1 c\u1ea5u tr\u00fac ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n d\u00e0i \u1ed5n \u0111\u1ecbnh v\u00e0 l\u01b0\u1ee3ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u1edbn.<\/p>\n

C\u00f9ng v\u1edbi vi\u1ec7c s\u1eeda \u0111\u1ed5i c\u00f4ng th\u1ee9c t\u00ednh t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) cho ph\u00e9p b\u1ed5 sung tr\u1edf l\u1ea1i 20% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o huy \u0111\u1ed9ng, nh\u00f3m n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 thanh kho\u1ea3n nh\u1eb1m th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng c\u00e1c l\u0129nh v\u1ef1c x\u00e2y d\u1ef1ng \u0111\u1ea7u t\u01b0 c\u00f4ng, t\u00e0i tr\u1ee3 d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng giao th\u00f4ng, n\u0103ng l\u01b0\u1ee3ng….<\/p>\n

V\u1edbi nh\u00f3m ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn<\/strong><\/span> nh\u01b0 Techcombank, MB, Sacombank, ACB v\u00e0 VPBank, t\u1ef7 l\u1ec7 SMLR c\u0169ng \u1ed5n \u0111\u1ecbnh quanh 24-27%. Nh\u00f3m n\u00e0y t\u1eadn d\u1ee5ng t\u1ed1t d\u00f2ng ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n d\u1ed3i d\u00e0o \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed v\u1ed1n m\u00e0 kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh r\u1ee7i ro k\u1ef3 h\u1ea1n.<\/p>\n

Quy \u0111\u1ecbnh m\u1edbi theo \u0111\u00f3 s\u1ebd t\u1ea1o th\u00eam d\u01b0 \u0111\u1ecba \u0111\u1ea9y m\u1ea1nh cho vay c\u00e1c ph\u00e2n kh\u00fac c\u00f3 l\u1ee3i su\u1ea5t cao nh\u01b0 cho vay mua nh\u00e0, d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u1ed3ng th\u1eddi gi\u1ea3m nhu c\u1ea7u huy \u0111\u1ed9ng v\u1ed1n d\u00e0i h\u1ea1n v\u1edbi chi ph\u00ed cao, qua \u0111\u00f3 h\u1ed7 tr\u1ee3 c\u1ea3i thi\u1ec7n NIM.<\/p>\n

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T\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n gia t\u0103ng t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 b\u00e1m s\u00e1t ng\u01b0\u1ee1ng quy \u0111\u1ecbnh 29030%. Ngu\u1ed3n: VCBS<\/em><\/p>\n<\/figcaption><\/figure>\n

T\u1ea1i nh\u00f3m ng\u00e2n h\u00e0ng quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf<\/strong>,<\/span> m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb c\u00f3 t\u1ef7 tr\u1ecdng cho vay x\u00e2y d\u1ef1ng – b\u1ea5t \u0111\u1ed9ng s\u1ea3n r\u1ea5t cao (nh\u01b0 NCB, OCB, SHB, MSB…). M\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng c\u0169ng c\u00f3 t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n \u0111ang b\u00e1m s\u00e1t tr\u1ea7n quy \u0111\u1ecbnh 29-30%.<\/p>\n

Vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 N\u01b0\u1edbc n\u00e2ng tr\u1ea7n l\u00ean 40% \u0111\u00e3 th\u00e1o g\u1ee1 \u00e1p l\u1ef1c tr\u1ef1c ti\u1ebfp cho nh\u00f3m ng\u00e2n h\u00e0ng n\u00e0y, gi\u1ea3m b\u1edbt cu\u1ed9c \u0111ua l\u00e3i su\u1ea5t huy \u0111\u1ed9ng k\u1ef3 h\u1ea1n d\u00e0i.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, nh\u00f3m ti\u00ean phong tri\u1ec3n khai s\u1edbm Basel III nh\u01b0 VIB, Techcombank, ACB, VPBank, HDBank, TPBank, OCB s\u1ebd c\u00f3 l\u1ee3i th\u1ebf l\u1edbn nh\u1edd vi\u1ec7c \u0111\u01b0\u1ee3c mi\u1ec5n \u00e1p d\u1ee5ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n v\u00e0 n\u1edbi l\u1ecfng room t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. Nh\u1edd \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y c\u00f3 th\u1ec3 t\u1ed1i \u01b0u h\u00f3a vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 b\u1ea3o v\u1ec7 NIM, \u0111\u1ed3ng th\u1eddi ch\u1ee7 \u0111\u1ed9ng c\u00e2n b\u1eb1ng gi\u1eefa r\u1ee7i ro v\u00e0 t\u0103ng tr\u01b0\u1edfng trong d\u00e0i h\u1ea1n.<\/p>\n

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T\u1ef7 tr\u1ecdng cho vay trung d\u00e0i h\u1ea1n v\u00e0 cho vay x\u00e2y d\u1ef1ng, b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u1edf m\u1ee9c cao. Ngu\u1ed3n: VCBS<\/em><\/p>\n<\/figcaption><\/figure>\n

Tuy nhi\u00ean vi\u1ec7c n\u1edbi tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n theo VCBS, c\u0169ng \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u00f3m ph\u00e2n t\u00edch c\u1ee7a c\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n v\u00e0 gi\u1edbi chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh vi\u1ec7c s\u1eed d\u1ee5ng nhi\u1ec1u v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 t\u00e0i tr\u1ee3 t\u00e0i s\u1ea3n d\u00e0i h\u1ea1n l\u00e0m t\u0103ng r\u1ee7i ro l\u1ec7ch pha k\u1ef3 h\u1ea1n. \u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 l\u00fd do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1eebng si\u1ebft t\u1ef7 l\u1ec7 n\u00e0y trong giai \u0111o\u1ea1n tr\u01b0\u1edbc.<\/p>\n

VCBS ph\u00e2n t\u00edch, vi\u1ec7c n\u1edbi l\u1ecfng gi\u1edbi h\u1ea1n n\u00e0y l\u00e0m gia t\u0103ng y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00f4ng t\u00e1c qu\u1ea3n tr\u1ecb r\u1ee7i ro thanh kho\u1ea3n c\u00e1c ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh c\u01a1 c\u1ea5u ngu\u1ed3n v\u1ed1n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n v\u1eabn ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o ti\u1ec1n g\u1eedi ng\u1eafn h\u1ea1n d\u01b0\u1edbi 12 th\u00e1ng (chi\u1ebfm 80-90% t\u1ed5ng ti\u1ec1n g\u1eedi). Trong khi \u0111\u00f3, nhu c\u1ea7u t\u00edn d\u1ee5ng c\u1ee7a n\u1ec1n kinh t\u1ebf t\u1eadp trung nhi\u1ec1u \u1edf c\u00e1c kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c VCBS \u0111\u00e1nh gi\u00e1 c\u00f3 th\u1ec3 l\u00e0m gia t\u0103ng ch\u00eanh l\u1ec7ch k\u1ef3 h\u1ea1n gi\u1eefa t\u00e0i s\u1ea3n v\u00e0 ngu\u1ed3n v\u1ed1n, c\u0169ng nh\u01b0 y\u00eau c\u1ea7u chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro thanh kho\u1ea3n h\u1ee3p l\u00fd c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng cho t\u1eebng giai \u0111o\u1ea1n.<\/p>\n

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Qu\u1ef3nh Trang<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n

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https:\/\/vnexpress.net\/ngan-hang-nao-huong-loi-khi-noi-tran-von-ngan-han-cho-vay-trung-dai-han-5091451.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i khi n\u1edbi tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n? Vi\u1ec7c n\u00e2ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n theo \u01b0\u1edbc t\u00ednh c\u1ee7a VCBS, c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng t\u00edn d\u1ee5ng, trong \u0111\u00f3 nh\u00f3m ng\u00e2n h\u00e0ng quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u<\/p>\n","protected":false},"author":1,"featured_media":5082,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-5081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/5081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5081"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/5081\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/5082"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}