{"id":27003,"date":"2017-12-11T10:00:16","date_gmt":"2017-12-11T03:00:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27003"},"modified":"2022-06-15T10:03:33","modified_gmt":"2022-06-15T03:03:33","slug":"1-648-tin-dung-tieu-dung-mo-rong-song-hanh-voi-an-toan-chat-luong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-648-tin-dung-tieu-dung-mo-rong-song-hanh-voi-an-toan-chat-luong\/","title":{"rendered":"1.648. \u00a0 T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: M\u1edf r\u1ed9ng song h\u00e0nh v\u1edbi an to\u00e0n ch\u1ea5t l\u01b0\u1ee3ng"},"content":{"rendered":"(TBNH) – <\/strong>N\u00ean ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh nh\u1eefng nh\u00f3m kh\u00e1c nhau, s\u1ebd gi\u00fap cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 kh\u00e1ch h\u00e0ng.<\/strong><\/p>\n

B\u00e1o c\u00e1o m\u1edbi \u0111\u00e2y c\u1ee7a U\u1ef7 ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia c\u00f4ng b\u1ed1 cho th\u1ea5y t\u00edn d\u1ee5ng h\u1ec7 th\u1ed1ng NH \u0111ang \u0111\u01b0\u1ee3c \u0111\u1ea9y nhanh. Trong \u0111\u00f3, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ti\u1ebfp t\u1ee5c \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng cao. T\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng \u01b0\u1edbc t\u0103ng kho\u1ea3ng 59% so v\u1edbi cu\u1ed1i n\u0103m 2016. Cho vay ph\u1ee5c v\u1ee5 mua nh\u00e0 \u1edf; thu\u00ea, thu\u00ea mua nh\u00e0 \u1edf; x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa nh\u00e0 \u1edf; nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 x\u00e2y nh\u00e0 \u1edf chi\u1ebfm t\u1ef7 tr\u1ecdng 52,9%, cho vay mua trang thi\u1ebft b\u1ecb gia \u0111\u00ecnh chi\u1ebfm 15,3%; cho vay mua ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i chi\u1ebfm 8,3%.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Gi\u00e1 tr\u1ecb t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u01b0\u1edbc \u0111\u1ea1t t\u1edbi 10% t\u1ed5ng GDP t\u00ednh \u0111\u1ebfn n\u0103m 2020, t\u01b0\u01a1ng \u1ee9ng kho\u1ea3ng 20 t\u1ef7 USD<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Con s\u1ed1 tr\u00ean ph\u1ea3n \u00e1nh nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n ng\u00e0y m\u1ed9t t\u0103ng l\u00ean. V\u00e0 cho d\u00f9 l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng lu\u00f4n cao h\u01a1n so v\u1edbi t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng nh\u01b0ng \u0111i\u1ec1u n\u00e0y d\u01b0\u1eddng nh\u01b0 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed1i b\u1eadn t\u00e2m qu\u00e1 l\u1edbn v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Nh\u01b0ng v\u1edbi c\u00e1c TCTD th\u00ec kh\u00e1c, khi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh, ch\u1eafc ch\u1eafn m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh \u1edf th\u1ecb tr\u01b0\u1eddng n\u00e0y s\u1ebd c\u00e0ng kh\u1ed1c li\u1ec7t. \u0110\u1eb7c bi\u1ec7t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang t\u1eadp trung ngu\u1ed3n l\u1ef1c \u1edf khu v\u1ef1c th\u00e0nh th\u1ecb, ho\u1eb7c c\u00e1c khu c\u00f4ng nghi\u1ec7p v\u1edbi d\u00e2n s\u1ed1 ch\u1ec9 chi\u1ebfm kho\u1ea3ng 40% t\u1ed5ng d\u00e2n s\u1ed1 c\u1ea3 n\u01b0\u1edbc.<\/p>\n

Nh\u00ecn nh\u1eadn v\u1ec1 \u0111i\u1ec3m n\u00e0y, b\u00e0 Nguy\u1ec5n Th\u00f9y D\u01b0\u01a1ng, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c EY Vi\u1ec7t Nam nh\u1eadn th\u1ea5y: Vi\u1ec7c m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i khu v\u1ef1c n\u00f4ng th\u00f4n c\u00f3 th\u1ec3 l\u00e0 h\u01b0\u1edbng \u0111i m\u1edbi, gi\u00fap c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh g\u1ee1 \u0111\u01b0\u1ee3c n\u00fat th\u1eaft trong chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i, d\u00f9 \u0111\u00f2i h\u1ecfi r\u1ea5t nhi\u1ec1u \u0111\u1ed9t ph\u00e1 v\u00e0 s\u00e1ng t\u1ea1o. \u201cV\u1edbi s\u1ef1 thi\u1ebfu h\u1ee5t c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n c\u0169ng nh\u01b0 s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c NH, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh t\u1ea1i khu v\u1ef1c n\u00f4ng th\u00f4n, ng\u01b0\u1eddi d\u00e2n \u0111a ph\u1ea7n t\u00ecm \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng \u0111en ho\u1eb7c th\u00f4ng qua c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 \u0111\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n vay\u201d, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c EY cho hay.<\/p>\n

Chia s\u1ebb tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec3n h\u00ecnh \u1edf \u1ea4n \u0110\u1ed9, b\u00e0 D\u01b0\u01a1ng cho bi\u1ebft: T\u1eeb n\u0103m 2000 \u0111\u1ebfn n\u0103m 2004, c\u00f4ng ty Hindustan Lever (thu\u1ed9c T\u1eadp \u0111o\u00e0n Unilever) ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c nh\u00f3m ph\u1ee5 n\u1eef t\u1ef1 tr\u1ecb t\u1ea1i c\u00e1c ng\u00f4i l\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n Shakti nh\u1eb1m thuy\u1ebft ph\u1ee5c c\u0169ng nh\u01b0 \u0111\u00e0o t\u1ea1o th\u00e0nh vi\u00ean c\u1ee7a c\u00e1c nh\u00f3m ph\u1ee5 n\u1eef n\u00e0y th\u00e0nh c\u00e1c c\u00e1n b\u1ed9 b\u00e1n h\u00e0ng ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m Unilever.<\/p>\n

Theo \u0111\u00f3, c\u00f4ng ty \u0111\u00e3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c h\u01a1n 70 tri\u1ec7u l\u01b0\u1ee3t kh\u00e1ch h\u00e0ng n\u00f4ng th\u00f4n. Vi\u1ec7t Nam c\u00f3 t\u1edbi h\u01a1n 10.000 h\u1ee3p t\u00e1c x\u00e3 n\u00f4ng nghi\u1ec7p, n\u1ebfu h\u1ee3p t\u00e1c v\u1edbi h\u1ee3p t\u00e1c x\u00e3 ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c \u0111o\u00e0n th\u1ec3 nh\u01b0 H\u1ed9i Ph\u1ee5 n\u1eef, H\u1ed9i C\u1ef1u chi\u1ebfn binh… \u0111\u1ec3 ti\u1ebfp c\u1eadn v\u00e0 m\u1edf r\u1ed9ng kh\u00e1ch h\u00e0ng s\u1ebd gi\u00fap c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u0103ng m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a d\u00e2n c\u01b0 t\u1ea1i khu v\u1ef1c n\u00f4ng th\u00f4n.<\/p>\n

Trao \u0111\u1ed5i th\u00eam v\u1edbi c\u00e1c chuy\u00ean gia kinh t\u1ebf, h\u1ea7u h\u1ebft \u0111\u1ec1u \u0111\u1ed3ng t\u00ecnh r\u1eb1ng vi\u1ec7c m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ee5c ti\u00eau h\u00e0ng \u0111\u1ea7u. Nh\u01b0ng c\u00f9ng v\u1edbi \u0111\u00f3, qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng v\u1eabn ph\u1ea3i \u0111\u01b0\u1ee3c \u201ckh\u1eafc c\u1ed1t ghi t\u00e2m\u201d, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i v\u00e0 an to\u00e0n cho c\u00e1c c\u00f4ng ty.<\/p>\n

M\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c chuy\u00ean gia chia s\u1ebb l\u00e0 n\u00ean ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh nh\u1eefng nh\u00f3m kh\u00e1c nhau, s\u1ebd gi\u00fap cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 kh\u00e1ch h\u00e0ng. Vi\u1ec7c tri\u1ec3n khai D\u1eef li\u1ec7u l\u1edbn (Big Data) ch\u1ee9a \u0111\u1ef1ng nh\u1eefng th\u00f4ng tin v\u1ec1 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a m\u1ed7i kh\u00e1ch h\u00e0ng c\u0169ng l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u00e3 v\u00e0 \u0111ang \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng tri\u1ec3n khai, gi\u00fap \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi ra quy\u1ebft \u0111\u1ecbnh cho vay.<\/p>\n

Kh\u00f4ng ch\u1ec9 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 \u0111\u00e1nh gi\u00e1 truy\u1ec1n th\u1ed1ng v\u1ec1 m\u1ee9c \u0111\u1ed9 tin tr\u01b0\u1edfng trong t\u00edn d\u1ee5ng kh\u00e1ch h\u00e0ng, nhi\u1ec1u c\u00f4ng ty c\u00f2n s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh th\u1ed1ng k\u00ea \u0111\u1ec3 x\u00e2y d\u1ef1ng h\u1ed3 s\u01a1 v\u1ec1 th\u00f3i quen ti\u1ec1m n\u0103ng c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 nh\u1eefng nghi\u00ean c\u1ee9u th\u1ed1ng k\u00ea h\u00e0nh vi kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m nh\u00e2n kh\u1ea9u h\u1ecdc nh\u01b0 gi\u1edbi t\u00ednh, tu\u1ed5i t\u00e1c, tr\u00ecnh \u0111\u1ed9 h\u1ecdc v\u1ea5n, thu nh\u1eadp…v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro, kh\u00f4ng ch\u1ec9 t\u1eeb ph\u00eda ng\u01b0\u1eddi cho vay, m\u00e0 b\u1ea3n th\u00e2n m\u1ed7i kh\u00e1ch h\u00e0ng \u0111i vay c\u0169ng ph\u1ea3i \u0111\u1eb7c bi\u1ec7t l\u01b0u t\u00e2m khi ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>chia s\u1ebb: T\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi t\u1ea5t c\u1ea3 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, nh\u1ea5t l\u00e0 v\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e3i su\u1ea5t trong h\u1ea1n c\u0169ng nh\u01b0 qu\u00e1 h\u1ea1n. Kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc k\u1ef9, kh\u00f4ng t\u00ecm hi\u1ec3u v\u1ea5n \u0111\u1ec1 s\u1ebd ngh\u0129 m\u00ecnh b\u1ecb l\u1eeba khi ph\u1ea3i tr\u1ea3 m\u1ee9c n\u1ee3 m\u00e0 h\u1ecd kh\u00f4ng h\u1ec1 ngh\u0129 \u0111\u1ebfn. L\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, \u0111i\u1ec1u ki\u1ec7n vay, c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n… t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng nh\u01b0ng ng\u01b0\u1eddi vay \u00edt quan t\u00e2m, kh\u00f4ng \u0111\u1ecdc k\u1ef9 s\u1ebd kh\u00f4ng hi\u1ec3u. \u0110\u1ebfn khi ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i, nh\u1ea5t l\u00e0 ph\u1ea3i \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i ph\u1ea1t tr\u1ea3 ch\u1eadm, t\u1ee9c \u00e1p m\u1ee9c l\u00e3i qu\u00e1 h\u1ea1n th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi “gi\u1eadt m\u00ecnh”.<\/em><\/p>\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh cho r\u1eb1ng, tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n c\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n kho\u1ea3n vay. B\u1edfi s\u1ef1 ch\u1ee7 \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u r\u1ee7i ro khi\u1ebfu n\u1ea1i trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng. M\u1eb7t kh\u00e1c, kh\u00e1ch h\u00e0ng c\u1ea7n y\u00eau c\u1ea7u \u0111\u01a1n v\u1ecb cho vay cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd c\u00f3 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng vay v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c gi\u1ea5y t\u1edd tr\u00ean \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn n\u01a1i c\u01b0 tr\u00fa c\u1ee7a m\u00ecnh sau khi \u0111\u0103ng k\u00fd v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng nh\u1eb1m tr\u00e1nh c\u00e1c r\u1ee7i ro tranh ch\u1ea5p v\u1ec1 sau.<\/p>\n

Khu\u00ea Nguy\u1ec5n<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 11-12-2017:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/tin-dung-tieu-dung-mo-rong-song-hanh-voi-an-toan-chat-luong-70807.html<\/a><\/em><\/p>\n

(141\/1.118)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – N\u00ean ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh nh\u1eefng nh\u00f3m kh\u00e1c nhau, s\u1ebd gi\u00fap cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 kh\u00e1ch h\u00e0ng. B\u00e1o c\u00e1o m\u1edbi \u0111\u00e2y c\u1ee7a U\u1ef7 ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia c\u00f4ng b\u1ed1 cho th\u1ea5y […]<\/p>\n","protected":false},"author":3,"featured_media":27006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.648. \u00a0 T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: M\u1edf r\u1ed9ng song h\u00e0nh v\u1edbi an to\u00e0n ch\u1ea5t l\u01b0\u1ee3ng - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-648-tin-dung-tieu-dung-mo-rong-song-hanh-voi-an-toan-chat-luong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.648. \u00a0 T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: M\u1edf r\u1ed9ng song h\u00e0nh v\u1edbi an to\u00e0n ch\u1ea5t l\u01b0\u1ee3ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TBNH) – N\u00ean ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh nh\u1eefng nh\u00f3m kh\u00e1c nhau, s\u1ebd gi\u00fap cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 kh\u00e1ch h\u00e0ng. 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