{"id":4673,"date":"2025-07-03T08:12:44","date_gmt":"2025-07-03T01:12:44","guid":{"rendered":"https:\/\/abaii.com.vn\/?p=4673"},"modified":"2025-07-03T08:12:45","modified_gmt":"2025-07-03T01:12:45","slug":"chinh-thuc-thu-nghiem-p2p-lending-buoc-tien-chien-luoc-trong-quan-ly-fintech-tai-viet-nam","status":"publish","type":"post","link":"https:\/\/abaii.com.vn\/en\/chinh-thuc-thu-nghiem-p2p-lending-buoc-tien-chien-luoc-trong-quan-ly-fintech-tai-viet-nam\/","title":{"rendered":"Ch\u00ednh th\u1ee9c th\u1eed nghi\u1ec7m P2P Lending: B\u01b0\u1edbc ti\u1ebfn chi\u1ebfn l\u01b0\u1ee3c trong qu\u1ea3n l\u00fd fintech t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"

Ng\u00e0y 1\/7\/2025, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2024\/N\u0110-CP<\/a> ng\u00e0y 29\/4\/2024 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Trong \u0111\u00f3, gi\u1ea3i ph\u00e1p cho vay ngang h\u00e0ng (P2P Lending) s\u1ebd \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m trong hai n\u0103m, l\u00e0 c\u01a1 s\u1edf quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd to\u00e0n di\u1ec7n trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh s\u1ed1.<\/em><\/p>\n\n\n\n

P2P Lending: Xu h\u01b0\u1edbng t\u00e0i ch\u00ednh s\u1ed1 to\u00e0n c\u1ea7u v\u00e0 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n t\u1ea1i Vi\u1ec7t Nam<\/strong><\/h4>\n\n\n\n

Ngh\u1ecb \u0111\u1ecbnh 94\/2024\/N\u0110-CP \u0111\u1ecbnh ngh\u0129a, gi\u1ea3i ph\u00e1p cho vay ngang h\u00e0ng l\u00e0 gi\u1ea3i ph\u00e1p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin do c\u00f4ng ty cho vay ngang h\u00e0ng cung c\u1ea5p \u0111\u1ec3 k\u1ebft n\u1ed1i th\u00f4ng tin, h\u1ed7 tr\u1ee3 giao k\u1ebft h\u1ee3p \u0111\u1ed3ng tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1 gi\u1eefa kh\u00e1ch h\u00e0ng l\u00e0 b\u00ean \u0111i vay v\u00e0 b\u00ean cho vay. \u0110\u1ed3ng ti\u1ec1n s\u1eed d\u1ee5ng trong gi\u1ea3i ph\u00e1p cho vay ngang h\u00e0ng l\u00e0 \u0111\u1ed3ng Vi\u1ec7t Nam. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Tr\u00ean b\u00ecnh di\u1ec7n qu\u1ed1c t\u1ebf, P2P Lending l\u00e0 m\u1ed9t trong nh\u1eefng xu h\u01b0\u1edbng t\u00e0i ch\u00ednh s\u1ed1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd. <\/p>\n\n\n\n

B\u00e1o c\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a IMARC Group c\u00f3 t\u1ef1a \u0111\u1ec1 \u201cB\u00e1o c\u00e1o th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng (P2P) theo lo\u1ea1i h\u00ecnh cho vay (cho vay ti\u00eau d\u00f9ng, cho vay doanh nghi\u1ec7p), m\u00f4 h\u00ecnh kinh doanh (cho vay th\u1ecb tr\u01b0\u1eddng, cho vay truy\u1ec1n th\u1ed1ng), ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i (ng\u01b0\u1eddi ti\u00eau d\u00f9ng (c\u00e1 nh\u00e2n\/h\u1ed9 gia \u0111\u00ecnh), doanh nghi\u1ec7p nh\u1ecf, doanh nghi\u1ec7p l\u1edbn, b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 c\u00e1c lo\u1ea1i h\u00ecnh kh\u00e1c) v\u00e0 khu v\u1ef1c 2025-2033\u201d, cho th\u1ea5y quy m\u00f4 th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng (P2P) to\u00e0n c\u1ea7u \u0111\u00e3 \u0111\u1ea1t 230,3 t\u1ef7 USD v\u00e0o n\u0103m 2024, d\u1ef1 ki\u1ebfn \u200b\u200bs\u1ebd \u0111\u1ea1t 1.423 t\u1ef7 USD v\u00e0o n\u0103m 2033, t\u0103ng tr\u01b0\u1edfng \u1edf t\u1ed1c \u0111\u1ed9 CAGR l\u00e0 21,31% trong giai \u0111o\u1ea1n 2025-2033. <\/p>\n\n\n\n

T\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n nh\u01b0 Anh v\u00e0 M\u1ef9, P2P Lending l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0o gi\u1eefa nh\u1eefng n\u0103m 2000, v\u1edbi c\u00e1c n\u1ec1n t\u1ea3ng ti\u00eau bi\u1ec3u nh\u01b0 Zopa, Prosper v\u00e0 Lending Club, \u0111\u00e3 tr\u1edf th\u00e0nh k\u00eanh t\u00e0i tr\u1ee3 thay th\u1ebf quan tr\u1ecdng, \u0111\u1eb7c bi\u1ec7t sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u n\u0103m 2008, khi c\u00e1c ng\u00e2n h\u00e0ng th\u1eaft ch\u1eb7t \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

T\u1ea1i Vi\u1ec7t Nam, c\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kh\u00f4ng ng\u1eebng c\u1ee7a c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i v\u00e0 t\u00e0i s\u1ea3n s\u1ed1, l\u0129nh v\u1ef1c fintech \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd. Theo IMARC Group, quy m\u00f4 th\u1ecb tr\u01b0\u1eddng fintech Vi\u1ec7t Nam \u0111\u1ea1t 16,9 t\u1ef7 USD trong n\u0103m 2024, d\u1ef1 ki\u1ebfn s\u1ebd ch\u1ea1m m\u1ed1c 62,7 t\u1ef7 USD v\u00e0o n\u0103m 2033, v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p (CAGR) \u01b0\u1edbc t\u00ednh kho\u1ea3ng 14,2% trong giai \u0111o\u1ea1n 2025-2033.<\/p>\n\n\n\n

Th\u1eed nghi\u1ec7m P2P Lending: N\u1ec1n t\u1ea3ng ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd t\u00e0i ch\u00ednh s\u1ed1<\/strong><\/h4>\n\n\n\n

Vi\u1ec7c \u0111\u01b0a P2P Lending v\u00e0o khu\u00f4n kh\u1ed5 sandbox th\u1ec3 hi\u1ec7n m\u1ed9t b\u01b0\u1edbc \u0111i c\u00f3 t\u00ednh chi\u1ebfn l\u01b0\u1ee3c trong \u0111\u1ecbnh h\u01b0\u1edbng qu\u1ea3n l\u00fd linh ho\u1ea1t v\u00e0 c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh s\u1ed1. \u00d4ng L\u00ea Anh Qu\u1ed1c, Chuy\u00ean gia C\u00f4ng ngh\u1ec7 Hi\u1ec7p h\u1ed9i Blockchain Vi\u1ec7t Nam<\/a>, Gi\u00e1m \u0111\u1ed1c V\u1eadn h\u00e0nh C\u00f4ng ty C\u1ed5 ph\u1ea7n AlphaTrue, nh\u1eadn \u0111\u1ecbnh: \u201cTh\u1eed nghi\u1ec7m P2P Lending l\u00e0 b\u01b0\u1edbc \u0111i h\u1ee3p l\u00fd v\u00e0 k\u1ecbp th\u1eddi.” <\/p>\n\n\n\n

“Th\u1ecb tr\u01b0\u1eddng c\u1ea7n m\u1ed9t khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0, ng\u01b0\u1eddi cho vay, ng\u01b0\u1eddi \u0111i vay, \u0111\u1ed3ng th\u1eddi v\u1eabn khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi, th\u00fac \u0111\u1ea9y d\u00f2ng v\u1ed1n l\u01b0u th\u00f4ng th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng vay v\u00e0 cho vay, h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p v\u00e0 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n. Sandbox l\u00e0 c\u00f4ng c\u1ee5 gi\u00fap c\u00e1c C\u01a1 quan qu\u1ea3n l\u00fd quan s\u00e1t th\u1ef1c ti\u1ec5n, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch linh ho\u1ea1t h\u01a1n nh\u1eb1m ph\u00f9 h\u1ee3p v\u1edbi b\u1ed1i c\u1ea3nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7.\u201d \u00d4ng Qu\u1ed1c chia s\u1ebb.<\/p>\n\n\n\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, Vi\u1ec7t Nam c\u00f3 h\u00e0ng ch\u1ee5c n\u1ec1n t\u1ea3ng P2P ho\u1ea1t \u0111\u1ed9ng (nh\u01b0 Tima, VayMuon, Mofin\u2026), song ph\u1ea7n l\u1edbn ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1eb7t d\u01b0\u1edbi s\u1ef1 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd, d\u1eabn \u0111\u1ebfn nhi\u1ec1u r\u1ee7i ro ti\u1ec1m \u1ea9n trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, thu h\u1ed3i n\u1ee3 v\u00e0 tranh ch\u1ea5p ph\u00e1p l\u00fd. \u0110\u00e1ng lo ng\u1ea1i h\u01a1n, m\u1ed9t s\u1ed1 m\u00f4 h\u00ecnh \u0111\u00e3 b\u1ecb bi\u1ebfn t\u01b0\u1edbng th\u00e0nh h\u00ecnh th\u1ee9c cho vay n\u1eb7ng l\u00e3i tr\u00e1 h\u00ecnh, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t l\u00ean t\u1edbi 300-400%\/n\u0103m. <\/p>\n\n\n\n

Vi\u1ec7c tri\u1ec3n khai P2P Lending gi\u00fap Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 \u0111\u1ed9ng s\u00e0ng l\u1ecdc, c\u1ea5p ph\u00e9p c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng n\u00e0y. Theo quy \u0111\u1ecbnh, ch\u1ec9 nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p m\u1edbi \u0111\u01b0\u1ee3c tham gia th\u1eed nghi\u1ec7m, \u0111\u1ed3ng th\u1eddi kh\u00f4ng \u00e1p d\u1ee5ng cho ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c tri\u1ec3n khai xuy\u00ean bi\u00ean gi\u1edbi.<\/p>\n\n\n\n

Kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf P2P Lending, c\u01a1 ch\u1ebf sandbox c\u00f2n bao g\u1ed3m th\u1eed nghi\u1ec7m hai l\u0129nh v\u1ef1c quan tr\u1ecdng kh\u00e1c l\u00e0 ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 Open API, t\u1ea1o n\u1ec1n t\u1ea3ng cho vi\u1ec7c h\u00ecnh th\u00e0nh h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh s\u1ed1 to\u00e0n di\u1ec7n. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111i c\u00f3 t\u00ednh n\u1ec1n t\u1ea3ng nh\u1eb1m n\u00e2ng cao t\u00ednh minh b\u1ea1ch, t\u1ed1i \u01b0u h\u00f3a d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 thi\u1ebft l\u1eadp m\u1ed9t chu\u1ea9n m\u1ef1c \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o h\u1ed3 s\u01a1 vay truy\u1ec1n th\u1ed1ng.<\/p>\n\n\n\n

\u201cP2P Lending l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p kinh t\u1ebf g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u00e0 ph\u00e1t tri\u1ec3n kinh t\u1ebf s\u1ed1 t\u1ea1i Vi\u1ec7t Nam. Vi\u1ec7c \u0111\u01b0a m\u00f4 h\u00ecnh n\u00e0y v\u00e0o c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t s\u1ebd th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng m\u1ed9t khung ph\u00e1p l\u00fd \u0111\u1ea7y \u0111\u1ee7, ph\u00f9 h\u1ee3p trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng\u201d, \u00f4ng L\u00ea Anh Qu\u1ed1c nh\u1eadn \u0111\u1ecbnh.<\/p>\n\n\n\n

Chuy\u00ean gia c\u1ee7a VBA ch\u1ec9 ra r\u1eb1ng, gi\u1ea3i ph\u00e1p P2P trong c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t s\u1ebd t\u1ea1o ra nhi\u1ec1u \u0111\u1ed9ng l\u1ef1c t\u00edch c\u1ef1c. Ch\u1eb3ng h\u1ea1n, v\u1edbi ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c h\u1ed9 kinh doanh nh\u1ecf, th\u1eed nghi\u1ec7m P2P Lending gi\u00fap m\u1edf ra c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n h\u1ee3p ph\u00e1p, an to\u00e0n v\u00e0 minh b\u1ea1ch, \u0111\u1ed3ng th\u1eddi linh ho\u1ea1t h\u01a1n so v\u1edbi k\u00eanh t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng. <\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u01a1 h\u1ed9i n\u00e0y \u0111\u1ec3 \u0111a d\u1ea1ng ho\u00e1 danh m\u1ee5c s\u1ea3n ph\u1ea9m, thu h\u00fat kh\u00e1ch h\u00e0ng, m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi \u0111\u1ed1i t\u00e1c, \u0111\u1ed3ng th\u1eddi, th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao v\u00e0o v\u1eadn h\u00e0nh h\u1ec7 th\u1ed1ng.<\/p>\n\n\n\n

Cho vay ngang h\u00e0ng trong c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng t\u1eeb 1\/7\/2025 l\u00e0 d\u1ea5u m\u1ed1c quan tr\u1ecdng trong \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n v\u00e0 qu\u1ea3n l\u00fd l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam. Vi\u1ec7c t\u1ed5ng k\u1ebft v\u00e0 \u0111\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n sau hai n\u0103m th\u1eed nghi\u1ec7m s\u1ebd l\u00e0 c\u01a1 s\u1edf quan tr\u1ecdng \u0111\u1ec3 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng x\u00e2y d\u1ef1ng ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh khung ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi th\u1ef1c ti\u1ec5n v\u1eadn h\u00e0nh. T\u1eeb \u0111\u00f3, g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh s\u1ed1 minh b\u1ea1ch, an to\u00e0n v\u00e0 to\u00e0n di\u1ec7n.<\/p>","protected":false},"excerpt":{"rendered":"

Ng\u00e0y 1\/7\/2025, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2024\/N\u0110-CP ng\u00e0y 29\/4\/2024 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Trong \u0111\u00f3, gi\u1ea3i ph\u00e1p cho vay ngang h\u00e0ng (P2P Lending) s\u1ebd \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m trong hai n\u0103m, l\u00e0 c\u01a1 s\u1edf quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd to\u00e0n di\u1ec7n trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh s\u1ed1.<\/p>","protected":false},"author":13,"featured_media":4674,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-4673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conference"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/posts\/4673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/comments?post=4673"}],"version-history":[{"count":1,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/posts\/4673\/revisions"}],"predecessor-version":[{"id":4675,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/posts\/4673\/revisions\/4675"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/media\/4674"}],"wp:attachment":[{"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/media?parent=4673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/categories?post=4673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/abaii.com.vn\/en\/wp-json\/wp\/v2\/tags?post=4673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}