{"id":37701,"date":"2023-08-29T17:02:04","date_gmt":"2023-08-29T10:02:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37701"},"modified":"2024-11-18T15:01:55","modified_gmt":"2024-11-18T08:01:55","slug":"3-558-giac-mo-phe-duyet-tin-dung-tu-dong-cho-doanh-nghiep-nho-va-vua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-558-giac-mo-phe-duyet-tin-dung-tu-dong-cho-doanh-nghiep-nho-va-vua\/","title":{"rendered":"3.558. Gi\u1ea5c m\u01a1 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng cho doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba"},"content":{"rendered":"

Gi\u1ea5c m\u01a1 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng cho doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba<\/span><\/h4>\n
(KTVN) – Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME) l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u00e0n lu\u1eadn, t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft t\u1eeb nhi\u1ec1u n\u0103m nay. Ch\u1ec9 t\u00ednh ri\u00eang trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 t\u1ed5 ch\u1ee9c t\u1edbi 5 h\u1ed9i ngh\u1ecb t\u00ecm gi\u1ea3i ph\u00e1p t\u00edn d\u1ee5ng cho SME. Tuy nhi\u00ean, c\u00e1c n\u00fat th\u1eaft v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1\u2026<\/strong><\/h5>\n

\"ph\u00ea<\/p>\n

Ph\u00eda doanh nghi\u1ec7p cho r\u1eb1ng nh\u1eefng y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh… l\u00e0 kh\u1eaft khe.<\/p>\n

Trong khi \u0111\u00f3, \u0111\u1ea1i di\u1ec7n c\u00e1c ng\u00e2n h\u00e0ng than th\u1edf th\u00f4ng tin c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba \u201ct\u00f9 m\u00f9\u201d, b\u1ea5t nh\u1ea5t n\u00ean h\u1ecd kh\u00f4ng d\u00e1m gi\u1ea3i ng\u00e2n n\u1ebfu kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. \u0110\u00f3 l\u00e0 c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n r\u1ee7i ro cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

NG\u00c2N H\u00c0NG LO “TH\u1ea2 G\u00c0 RA \u0110U\u1ed4I”<\/strong><\/h5>\n

T\u00ecnh tr\u1ea1ng n\u00e0y kh\u00f4ng ch\u1ec9 t\u1ed3n t\u1ea1i \u1edf Vi\u1ec7t Nam m\u00e0 \u1edf nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi\u2026 Song, n\u00fat th\u1eaft n\u00e0y \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng c\u00e1ch t\u1eadp trung d\u1eef li\u1ec7u l\u1edbn \u0111\u1ec3 x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng SME v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c cao. \u0110\u1ebfn nay, m\u1ed9t s\u1ed1 qu\u1ed1c gia trong khu v\u1ef1c ch\u00e2u \u00c1 \u0111\u00e3 ph\u00ea duy\u1ec7t kho\u1ea3n vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u00ean \u0111\u1ebfn g\u1ea7n 3,5 t\u1ef7 \u0111\u1ed3ng (250.000 USD) nh\u1edd ph\u00e1t tri\u1ec3n t\u1ed1t h\u1ec7 th\u1ed1ng ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng SME.<\/p>\n

Sau k\u1ef3 h\u1ecdp th\u1ee9 5, Qu\u1ed1c h\u1ed9i kho\u00e1 XV, nhi\u1ec1u \u0111o\u00e0n \u0110\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i \u0111\u00e3 g\u1eedi t\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ki\u1ebfn ngh\u1ecb t\u00ecm c\u00e1c gi\u1ea3i ph\u00e1p t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, gi\u1ea3m l\u00e3i su\u1ea5t cho doanh nghi\u1ec7p, nh\u1ea5t l\u00e0 SME.<\/p>\n

\u0110o\u00e0n \u0110\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i t\u1ec9nh B\u00ecnh D\u01b0\u01a1ng ki\u1ebfn ngh\u1ecb r\u1eb1ng c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, si\u00eau nh\u1ecf hi\u1ec7n nay c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ng\u00e0y c\u00e0ng \u0111\u1ea9y m\u1ea1nh \u00e1p d\u1ee5ng c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, \u0111\u00f2i h\u1ecfi ng\u00e0y c\u00e0ng cao t\u00ednh minh b\u1ea1ch v\u1ec1 th\u00f4ng tin, t\u00e0i ch\u00ednh, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng trong khi c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, si\u00eau nh\u1ecf thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ch\u01b0a c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n\u2026 ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n ch\u01b0a \u0111\u00e1p \u1ee9ng c\u00e1c chu\u1ea9n m\u1ef1c theo quy \u0111\u1ecbnh n\u00ean ng\u00e2n h\u00e0ng kh\u00f3 xem x\u00e9t c\u1ea5p t\u00edn d\u1ee5ng. Do \u0111\u00f3, c\u1eed tri \u0111\u1ec1 ngh\u1ecb ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea7n xem x\u00e9t, n\u1edbi l\u1ecfng c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1eb1m gi\u00fap c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, si\u00eau nh\u1ecf ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh c\u00e1c doanh nghi\u1ec7p c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n

Tr\u1ea3 l\u1eddi ki\u1ebfn ngh\u1ecb c\u1eed tri, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft \u0111\u1ebfn cu\u1ed1i th\u00e1ng 6\/2023,\u00a0d\u01b0 n\u1ee3 cho vay doanh nghi\u1ec7p \u0111\u1ea1t tr\u00ean 51% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf, trong \u0111\u00f3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi SME (\u0111\u1ea1t g\u1ea7n 2,3 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng h\u01a1n 4,2% so v\u1edbi cu\u1ed1i n\u0103m 2022,\u00a0chi\u1ebfm 18,24% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf.<\/p>\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, vi\u1ec7c\u00a0n\u1edbi l\u1ecfng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho SME ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng c\u1ea7n ph\u1ea3i c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng v\u00ec h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 k\u00eanh d\u1eabn v\u1ed1n ch\u1ee7 y\u1ebfu ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh, \u0111\u00f3ng vai tr\u00f2 huy\u1ebft m\u1ea1ch c\u1ee7a n\u1ec1n kinh t\u1ebf. Vi\u1ec7c n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, gi\u1eef \u1ed5n \u0111\u1ecbnh an to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng nh\u1eb1m duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/p>\n

Do v\u1eady, \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n, ngo\u00e0i gi\u1ea3i ph\u00e1p, ch\u00ednh s\u00e1ch t\u1eeb ng\u00e0nh ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p c\u1ea7n c\u01a1 c\u1ea5u l\u1ea1i ho\u1ea1t \u0111\u1ed9ng, n\u00e2ng cao kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t kinh doanh kh\u1ea3 thi, t\u1ea1o ni\u1ec1m tin \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u00ean t\u00e2m c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n

\u0110\u1ed3ng th\u1eddi,\u00a0c\u1ea7n c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p \u0111\u1ed3ng b\u1ed9 t\u1eeb c\u00e1c ch\u00ednh s\u00e1ch kh\u00e1c v\u1ec1 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho s\u1ea3n xu\u1ea5t kinh doanh theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Qu\u1ed1c h\u1ed9i, Ch\u00ednh ph\u1ee7. Khi ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh \u0111\u01b0\u1ee3c kh\u01a1i th\u00f4ng, ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, s\u1ebd t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam, n\u00f3i: \u201cM\u1ee5c ti\u00eau quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 an to\u00e0n sau \u0111\u00f3 m\u1edbi \u0111\u1ebfn hi\u1ec7u qu\u1ea3. An to\u00e0n cho ch\u00ednh ng\u00e2n h\u00e0ng c\u1ea5p t\u00edn d\u1ee5ng, an to\u00e0n cho h\u1ec7 th\u1ed1ng v\u00e0 an to\u00e0n, an ninh t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7 qu\u1ed1c gia.<\/em><\/p>\n

V\u1ecb lu\u1eadt s\u01b0 n\u00e0y cho r\u1eb1ng ng\u00e2n h\u00e0ng lu\u00f4n mong mu\u1ed1n cho vay c\u00e0ng nhi\u1ec1u c\u00e0ng t\u1ed1t nh\u01b0ng v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t l\u00e0 \u0111\u00f2i n\u1ee3. Tr\u01b0\u1edbc khi cho vay, n\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng nh\u00ecn th\u1ea5y kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3, d\u1ef1 \u00e1n kh\u00f4ng kh\u1ea3 thi, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh doanh nghi\u1ec7p y\u1ebfu k\u00e9m th\u00ec ch\u1eafc ch\u1eafn, ng\u00e2n h\u00e0ng s\u1ebd kh\u00e9p c\u1eeda.\u00a0<\/em><\/p>\n

\u0110\u1ebfn cu\u1ed1i th\u00e1ng 6\/2023, d\u01b0 n\u1ee3 cho vay doanh nghi\u1ec7p \u0111\u1ea1t tr\u00ean 51% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf, trong \u0111\u00f3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (\u0111\u1ea1t g\u1ea7n 2,3 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng g\u1ea7n 3,5% so v\u1edbi cu\u1ed1i n\u0103m 2022,\u00a0chi\u1ebfm 18,4% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf<\/strong><\/h5>\n

Ngu\u1ed3n: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/em><\/strong><\/p>\n

M\u1ed9t chuy\u00ean gia kh\u00e1c nghi\u00ean c\u1ee9u v\u1ec1 kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng, \u00f4ng Peter Verhoeven, Ch\u1ee7 t\u1ecbch Prometheus Asia SDN BHD, nh\u1ea5n m\u1ea1nh: \u201cM\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n c\u1ea7u trong 50 n\u0103m qua l\u00e0 n\u1edbi l\u1ecfng chu\u1ea9n t\u00edn d\u1ee5ng. Ti\u1ebfp \u0111\u1ebfn l\u00e0 cho vay qu\u00e1 h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u00f2n b\u1ea9y cao, c\u00e1c kho\u1ea3n vay gi\u00e1 r\u1ebb, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 qu\u00e1 cao; ki\u1ec3m so\u00e1t k\u00e9m, thi\u1ebfu s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd. Ch\u1ec9 m\u1ed9t l\u1ed7 th\u1ee7ng nh\u1ecf c\u00f3 th\u1ec3 l\u00e0m \u0111\u1eafm c\u1ea3 con t\u00e0u. N\u1ebfu ng\u00e2n h\u00e0ng ph\u1ea1m ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00eau tr\u00ean, khi kinh t\u1ebf ch\u1eefng l\u1ea1i, r\u1ee7i ro v\u1ee1 n\u1ee3 gia t\u0103ng, g\u00e2y ra n\u1ee3 x\u1ea5u. Nh\u1eefng \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ea9y ng\u00e2n h\u00e0ng \u0111\u1ebfn nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 m\u1ea5t thanh kho\u1ea3n\u201d.<\/p>\n

Nh\u1ea5n m\u1ea1nh t\u1ea7m quan tr\u1ecdng c\u1ee7a th\u1ea9m \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng, \u00f4ng Peter Verhoeven n\u00eau m\u1ed9t lo\u1ea1t y\u00eau c\u1ea7u: \u201cKhi l\u00e0m vi\u1ec7c v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u1eebng ch\u1ec9 nh\u00ecn v\u00e0o nh\u1eefng th\u00f4ng tin tr\u00ean gi\u1ea5y, tr\u00ean h\u1ed3 s\u01a1 m\u00e0 c\u1ea7n t\u0103ng c\u01b0\u1eddng \u0111\u1ebfn hi\u1ec7n tr\u01b0\u1eddng, \u0111\u1ebfn nh\u00e0 x\u01b0\u1edfng c\u1ee7a h\u1ecd, \u0111\u1ebfn c\u1eeda h\u00e0ng c\u1ee7a h\u1ecd xem quy tr\u00ecnh c\u1ee7a h\u1ecd \u0111ang l\u00e0m nh\u01b0 th\u1ebf n\u00e0o; nh\u00e0 m\u00e1y c\u00f3 ho\u1ea1t \u0111\u1ed9ng hay kh\u00f4ng; h\u00e0ng h\u00f3a \u0111ang t\u1ed3n kho bao nhi\u00eau; bao nhi\u00eau m\u00e1y m\u00f3c \u0111ang ho\u1ea1t \u0111\u1ed9ng; bao nhi\u00eau c\u00f4ng nh\u00e2n \u0111ang l\u00e0m vi\u1ec7c\u2026\u201d.<\/p>\n

T\u1eacN D\u1ee4NG D\u1eee LI\u1ec6U GIAO D\u1ecaCH C\u1ee6A CH\u1ee6 DOANH NGHI\u1ec6P V\u00c0 DOANH NGHI\u1ec6P<\/strong><\/h5>\n

V\u1edbi kinh nghi\u1ec7m l\u00e0m vi\u1ec7c nhi\u1ec1u n\u0103m trong l\u0129nh v\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ea1i nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, TS. Tom Garside, ph\u1ee5 tr\u00e1ch qu\u1ea3n tr\u1ecb r\u1ee7i ro khu v\u1ef1c ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng, C\u00f4ng ty Oliver Wyman, cho bi\u1ebft m\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro \u0111\u00e3 tr\u1ea3i qua nhi\u1ec1u giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed5i \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi b\u1ed1i c\u1ea3nh. M\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro m\u1edbi nh\u1ea5t hi\u1ec7n nay d\u1ef1a nhi\u1ec1u v\u00e0o thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi nh\u1eefng r\u1ee7i ro truy\u1ec1n th\u1ed1ng nh\u01b0 r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n

Theo kh\u1ea3o s\u00e1t v\u1edbi 20 ng\u00e2n h\u00e0ng t\u1ea1i 7 qu\u1ed1c gia c\u1ee7a Oliver Wyman v\u00e0o n\u0103m 2022, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ph\u00e1t tri\u1ec3n t\u00ednh n\u0103ng ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng. Trong s\u1ed1 20 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t, 85% ng\u00e2n h\u00e0ng \u0111\u00e3 \u00e1p d\u1ee5ng ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng nh\u01b0ng ch\u1ec9 50% trong s\u1ed1 \u0111\u00f3 \u0111\u00e3 ph\u00e1t tri\u1ec3n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00ednh n\u0103ng tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1.<\/p>\n

Trung b\u00ecnh c\u00e1c ng\u00e2n h\u00e0ng trong kh\u1ea3o s\u00e1t n\u00e0y cho vay t\u1edbi 250.000 USD kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 3,4 tri\u1ec7u USD c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00f4ng qua ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng theo th\u1eddi gian th\u1ef1c. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u01b0a ra gi\u1edbi h\u1ea1n l\u00ean t\u1edbi 6,6 tri\u1ec7u USD kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m v\u00e0 13 tri\u1ec7u USD c\u00f3 b\u1ea3o \u0111\u1ea3m. Trong 2-3 n\u0103m t\u1edbi, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng gi\u1edbi h\u1ea1n t\u1ed1i \u0111a g\u1ea5p 2-4 l\u1ea7n.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, ph\u00e1t tri\u1ec3n kh\u1ea3 n\u0103ng ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng l\u00e0 v\u1ea5n \u0111\u1ec1 tr\u1ecdng t\u00e2m c\u1ee7a 85% ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t.<\/p>\n

Vi\u1ec7c ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng SME t\u1ef1 \u0111\u1ed9ng \u0111\u00f2i h\u1ecfi th\u00f4ng tin phong ph\u00fa v\u00e0 \u0111\u00e1ng tin c\u1eady v\u1ec1 c\u1ea3 doanh nghi\u1ec7p v\u00e0 ch\u1ee7 s\u1edf h\u1eefu doanh nghi\u1ec7p, th\u1eadm ch\u00ed c\u1ea3 c\u1ed5 \u0111\u00f4ng li\u00ean quan \u2013 d\u1eef li\u1ec7u th\u01b0\u1eddng thi\u1ebfu \u1edf th\u1ecb tr\u01b0\u1eddng c\u00e1c n\u01b0\u1edbc \u0111ang ph\u00e1t tri\u1ec3n nh\u01b0 Vi\u1ec7t Nam. \u0110\u00e2y l\u00e0 1 trong 4 n\u00fat th\u1eaft khi ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng SME c\u1ea7n \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1.<\/strong><\/h5>\n

Ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t k\u1ef9 thu\u1eadt th\u1ed1ng k\u00ea k\u1ebft h\u1ee3p m\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p.\u00a0 \u0110i\u1ec3m t\u00edn d\u1ee5ng SME th\u01b0\u1eddng bao g\u1ed3m c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m t\u00e0i ch\u00ednh c\u1ee7a c\u1ea3 doanh nghi\u1ec7p v\u00e0 ch\u1ee7 doanh nghi\u1ec7p.<\/p>\n

Trong m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng, c\u00e1c y\u1ebfu t\u1ed1 c\u1ee7a c\u00e2y quy\u1ebft \u0111\u1ecbnh bao g\u1ed3m: doanh thu\/l\u1ee3i nhu\u1eadn c\u1ee7a c\u00f4ng ty, hi\u1ec7u su\u1ea5t thanh to\u00e1n trong qu\u00e1 kh\u1ee9, s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n vi\u00ean v\u00e0 s\u1ed1 n\u0103m kinh doanh\u2026<\/p>\n

T\u00f9ng Th\u01b0<\/strong><\/p>\n

————-<\/em><\/p>\n

Kinh t\u1ebf Vi\u1ec7t Nam (T\u00e0i ch\u00ednh) ng\u00e0y 29-8-2023:<\/em><\/strong><\/p>\n

https:\/\/vneconomy.vn\/giac-mo-phe-duyet-tin-dung-tu-dong-cho-doanh-nghiep-nho-va-vua.htm<\/a><\/em><\/p>\n

(120\/1.635) #TCNH #SME<\/em>","protected":false},"excerpt":{"rendered":"

Gi\u1ea5c m\u01a1 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng cho doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (KTVN) – Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME) l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u00e0n lu\u1eadn, t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft t\u1eeb nhi\u1ec1u n\u0103m nay. Ch\u1ec9 t\u00ednh ri\u00eang trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, […]<\/p>\n","protected":false},"author":2,"featured_media":37702,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.558. Gi\u1ea5c m\u01a1 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng cho doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a DN nh\u1ecf v\u00e0 v\u1eeba l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u00e0n lu\u1eadn, t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft v\u00e0 gi\u1ea5c m\u01a1 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1ed9ng.\" \/>\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\/en\/3-558-giac-mo-phe-duyet-tin-dung-tu-dong-cho-doanh-nghiep-nho-va-vua\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.558. 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