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  _____      ___     __   _     ______            
 / ____||   / _ \\  | || | ||  /_   _//   ____    
/ //---`'  / //\ \\ | '--' ||   -| ||-   |    \\  
\ \\___   |  ___  ||| .--. ||   _| ||_   | [] ||  
 \_____|| |_||  |_|||_|| |_||  /_____//  |  __//  
  `----`  `-`   `-` `-`  `-`   `-----`   |_|`-`   
                                         `-`

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發送短信 : Credit risk management at Vietnam bank for agriculture and rural development