{"id":21458,"date":"2023-12-06T02:43:18","date_gmt":"2023-12-06T02:43:18","guid":{"rendered":"https:\/\/masterskills.org\/blog\/bao-lanh-guarantee-la-gi-phan-loai-va-uu-nhuoc-diem.html"},"modified":"2023-12-22T04:55:07","modified_gmt":"2023-12-21T21:55:07","slug":"bao-lanh-guarantee-la-gi-phan-loai-va-uu-nhuoc-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/bao-lanh-guarantee-la-gi-phan-loai-va-uu-nhuoc-diem.html","title":{"rendered":"B\u1ea3o l\u00e3nh guarantee l\u00e0 g\u00ec? Ph\u00e2n lo\u1ea1i v\u00e0 \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m"},"content":{"rendered":"
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\u0110\u1ec3 hi\u1ec3u guarantee l\u00e0 g\u00ec, h\u00e3y ngh\u0129 \u0111\u1ebfn th\u1ef1c t\u1ebf l\u00e0 m\u1ed7i doanh nghi\u1ec7p t\u1ea1i m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i vay n\u1ee3.\u00a0Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh mu\u1ed1n c\u00f3 ng\u01b0\u1eddi \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh cho kho\u1ea3n vay m\u00e0 h\u1ecd s\u1eafp cung c\u1ea5p.\u00a0\u0110\u00f3 l\u00e0 nh\u1eefng g\u00ec li\u00ean quan \u0111\u1ebfn b\u1ea3o l\u00e3nh guarantee.<\/p>\n

Guarantee l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Guarantee l\u00e0 m\u1ed9t l\u1eddi h\u1ee9a ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi m\u1ed9t b\u00ean th\u1ee9 ba (ng\u01b0\u1eddi b\u1ea3o l\u00e3nh) \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay ho\u1eb7c c\u00e1c lo\u1ea1i tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd kh\u00e1c trong h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 ho\u1eb7c th\u1ef1c hi\u1ec7n. C\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi m\u1ed9t b\u00ean th\u1ee9 ba \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.<\/p>\n

B\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 b\u1ecb gi\u1edbi h\u1ea1n ho\u1eb7c kh\u00f4ng gi\u1edbi h\u1ea1n. B\u1ea3o l\u00e3nh kh\u00f4ng gi\u1edbi h\u1ea1n ng\u1ee5 \u00fd r\u1eb1ng ng\u01b0\u1eddi b\u1ea3o l\u00e3nh s\u1ebd \u0111\u00e1p \u1ee9ng to\u00e0n b\u1ed9 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd, trong khi v\u1edbi b\u1ea3o l\u00e3nh h\u1ea1n ch\u1ebf, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh s\u1ebd ch\u1ec9 \u0111\u00e1p \u1ee9ng m\u1ed9t ph\u1ea7n tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd.<\/p>\n

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\u201c\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ch\u01b0a t\u1eebng \u0111i vay ho\u1eb7c c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng k\u00e9m, b\u1ea3o l\u00e3nh gi\u00fap h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n vay m\u00e0 b\u00ecnh th\u01b0\u1eddng kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n

C\u00e1c lo\u1ea1i h\u00ecnh guarantee<\/strong><\/span><\/h2>\n

B\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n Personel Guarantee l\u00e0 g\u00ec?<\/strong><\/p>\n

Thu\u1eadt ng\u1eef b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn l\u1eddi h\u1ee9a h\u1ee3p ph\u00e1p c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n v\u1ec1 vi\u1ec7c tr\u1ea3 c\u00e1c kho\u1ea3n vay c\u1ee7a doanh nghi\u1ec7p m\u00e0 h\u1ecd \u0111\u00f3ng vai tr\u00f2 l\u00e0 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh. Cung c\u1ea5p b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n c\u00f3 ngh\u0129a l\u00e0 n\u1ebfu doanh nghi\u1ec7p kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ee3, th\u00ec c\u00e1 nh\u00e2n \u0111\u00f3 s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u00f3.<\/p>\n

B\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong c\u00e1c giao d\u1ecbch t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n cho c\u00e1c doanh nghi\u1ec7p m\u1edbi v\u00e0 nh\u1ecf. Khi b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n, ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00f4ng ty s\u1ebd c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n c\u1ee7a ch\u00ednh m\u00ecnh v\u00e0 \u0111\u1ed3ng \u00fd tr\u1ea3 n\u1ee3 t\u1eeb ngu\u1ed3n v\u1ed1n c\u00e1 nh\u00e2n trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty v\u1ee1 n\u1ee3.<\/p>\n

\u01afu \u0111i\u1ec3m c\u1ee7a b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n l\u00e0 gi\u00fap b\u1ea1n ti\u1ebfp c\u1eadn v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi cho vay h\u01a1n v\u00e0 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n. Nh\u01b0\u1ee3c \u0111i\u1ec3m ch\u00ednh c\u1ee7a b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n l\u00e0 r\u1ea5t \u0111\u01a1n gi\u1ea3n. N\u1ebfu doanh nghi\u1ec7p c\u1ee7a b\u1ea1n kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ee3, b\u1ea1n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n v\u1ec1 vi\u1ec7c \u0111\u00f3. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 \u0111\u00f2i n\u1ee3 b\u1ea1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n v\u00e0 \u0111i\u1ec1u \u0111\u00f3 khi\u1ebfn t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n g\u1eb7p r\u1ee7i ro.<\/p>\n

B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng Bank Guarantee l\u00e0 g\u00ec?<\/strong><\/p>\n

B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 l\u1eddi h\u1ee9a t\u1eeb m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u00f3 kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo h\u1ee3p \u0111\u1ed3ng v\u1edbi m\u1ed9t b\u00ean kh\u00e1c.\u00a0<\/p>\n

N\u00f3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho c\u00e1c c\u00f4ng ty li\u00ean quan \u0111\u1ebfn c\u00e1c giao d\u1ecbch v\u1edbi c\u00e1c b\u00ean kh\u00f4ng quen thu\u1ed9c ho\u1eb7c ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u00ean th\u1ee9 ba kh\u1ecfi thi\u1ec7t h\u1ea1i t\u00e0i ch\u00ednh. S\u1ef1 b\u1ea3o l\u00e3nh n\u00e0y gi\u00fap m\u1ed9t c\u00f4ng ty mua \u0111\u01b0\u1ee3c nh\u1eefng th\u1ee9 m\u00e0 th\u00f4ng th\u01b0\u1eddng h\u1ecd kh\u00f4ng th\u1ec3, do \u0111\u00f3 gi\u00fap doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n v\u00e0 th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n

C\u00f3 hai h\u00ecnh th\u1ee9c b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong c\u00e1c doanh nghi\u1ec7p, \u0111\u00f3 l\u00e0:<\/p>\n

B\u1ea3o l\u00e3nh t\u00e0i ch\u00ednh \u2013 Finance Guarantee. C\u00e1c b\u1ea3o l\u00e3nh n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh thay cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi b\u1ea3o \u0111\u1ea3m. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u cam k\u1ebft t\u00e0i ch\u00ednh t\u1eeb ng\u01b0\u1eddi mua nh\u01b0 ti\u1ec1n \u0111\u1eb7t c\u1ecdc. Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady, thay v\u00ec \u0111\u1eb7t c\u1ecdc ti\u1ec1n, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 cung c\u1ea5p cho ng\u01b0\u1eddi b\u00e1n b\u1ea3o l\u00e3nh t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi b\u00e1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi c\u00f3 t\u1ed5n th\u1ea5t x\u1ea3y ra.<\/p>\n

B\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u2013 Performance Guarantee. Nh\u1eefng b\u1ea3o \u0111\u1ea3m n\u00e0y \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t h\u1ee3p \u0111\u1ed3ng ho\u1eb7c m\u1ed9t ngh\u0129a v\u1ee5. Trong tr\u01b0\u1eddng h\u1ee3p v\u1ee1 h\u1ee3p \u0111\u1ed3ng th\u00ec ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng gi\u1ea3i quy\u1ebft.<\/p>\n

\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 Performance Guarantee l\u00e0 g\u00ec, h\u00e3y xem v\u00ed d\u1ee5 sau. A k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi B \u0111\u1ec3 ho\u00e0n th\u00e0nh m\u1ed9t d\u1ef1 \u00e1n v\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi s\u1ef1 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu A kh\u00f4ng ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n \u0111\u00fang th\u1eddi h\u1ea1n v\u00e0 kh\u00f4ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho B, B c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i b\u1eb1ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Bank Guarantee:<\/strong><\/span><\/h2>\n

Ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n \u0111\u1ed3ng \u00fd v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Ng\u01b0\u1eddi mua \u0111\u1ed3ng \u00fd thanh to\u00e1n.<\/p>\n

Ng\u01b0\u1eddi mua sau \u0111\u00f3 s\u1ebd n\u1ed9p \u0111\u01a1n xin b\u1ea3o l\u00e3nh t\u1eeb ng\u00e2n h\u00e0ng c\u1ee7a m\u00ecnh.<\/p>\n

Ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi mua ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u d\u1ef1a tr\u00ean th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n. Gi\u1ea5y b\u1ea3o l\u00e3nh sau \u0111\u00f3 \u0111\u01b0\u1ee3c g\u1eedi cho ng\u01b0\u1eddi b\u00e1n tr\u1ef1c ti\u1ebfp t\u1eeb ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi mua d\u01b0\u1edbi d\u1ea1ng b\u1ea3n c\u1ee9ng qua b\u01b0u \u0111i\u1ec7n ho\u1eb7c b\u1ea3n m\u1ec1m qua th\u01b0 \u0111i\u1ec7n t\u1eed.<\/p>\n

Sau \u0111\u00f3, giao d\u1ecbch gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n s\u1eb5n s\u00e0ng b\u1eaft \u0111\u1ea7u.<\/p>\n

\u01afu \u0111i\u1ec3m c\u1ee7a bank guarantee<\/strong><\/p>\n

B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0m gi\u1ea3m r\u1ee7i ro t\u00e0i ch\u00ednh li\u00ean quan \u0111\u1ebfn giao d\u1ecbch kinh doanh. Do r\u1ee7i ro th\u1ea5p, n\u00f3 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi b\u00e1n \/ ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng m\u1edf r\u1ed9ng kinh doanh c\u1ee7a h\u1ecd tr\u00ean c\u01a1 s\u1edf t\u00edn d\u1ee5ng.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng t\u00ednh ph\u00ed b\u1ea3o l\u00e3nh th\u1ea5p, \u0111i\u1ec1u n\u00e0y c\u00f3 l\u1ee3i cho c\u1ea3 doanh nghi\u1ec7p quy m\u00f4 nh\u1ecf.<\/p>\n

Khi c\u00e1c ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch v\u00e0 x\u00e1c nh\u1eadn s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p, uy t\u00edn c\u1ee7a doanh nghi\u1ec7p s\u1ebd t\u0103ng l\u00ean v\u00e0 \u0111i\u1ec1u n\u00e0y s\u1ebd l\u00e0m t\u0103ng c\u01a1 h\u1ed9i kinh doanh.<\/p>\n

H\u1ea7u h\u1ebft, b\u1ea3o l\u00e3nh y\u00eau c\u1ea7u \u00edt t\u00e0i li\u1ec7u h\u01a1n v\u00e0 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng x\u1eed l\u00fd nhanh ch\u00f3ng (n\u1ebfu t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u1ed9p).<\/p>\n

Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a bank guarantee<\/strong><\/p>\n

\u0110\u00f4i khi, c\u00e1c ng\u00e2n h\u00e0ng qu\u00e1 c\u1ee9ng nh\u1eafc trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y l\u00e0m cho qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p v\u00e0 t\u1ed1n th\u1eddi gian. V\u1edbi s\u1ef1 \u0111\u00e1nh gi\u00e1 kh\u1eaft khe c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, vi\u1ec7c c\u00e1c doanh nghi\u1ec7p thua l\u1ed7 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 r\u1ea5t kh\u00f3.<\/p>\n

\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 kho\u1ea3n b\u1ea3o l\u00e3nh li\u00ean quan \u0111\u1ebfn c\u00e1c giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn ho\u1eb7c r\u1ee7i ro cao, ng\u00e2n h\u00e0ng s\u1ebd y\u00eau c\u1ea7u t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u1ebf ch\u1ea5p \u0111\u1ec3 x\u1eed l\u00fd b\u1ea3o l\u00e3nh.<\/p>\n

Ph\u00ed b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng<\/strong><\/p>\n

N\u00f3i chung, ph\u00ed b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean r\u1ee7i ro m\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea3m nh\u1eadn trong m\u1ed7i giao d\u1ecbch. V\u00ed d\u1ee5, b\u1ea3o l\u00e3nh t\u00e0i ch\u00ednh th\u01b0\u1eddng ch\u1ecbu nhi\u1ec1u r\u1ee7i ro h\u01a1n b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng. Do \u0111\u00f3, ph\u00ed b\u00e3o l\u00e3nh t\u00e0i ch\u00ednh s\u1ebd cao h\u01a1n ph\u00ed b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng. T\u00f9y v\u00e0o lo\u1ea1i b\u1ea3o l\u00e3nh, ph\u00ed th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 0,75% gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh\/qu\u00fd ho\u1eb7c 0,50% trong th\u1eddi gian hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o l\u00e3nh.<\/p>\n

Ngo\u00e0i ra, ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 t\u00ednh ph\u00ed h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd, ph\u00ed t\u00e0i li\u1ec7u v\u00e0 ph\u00ed x\u1eed l\u00fd. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u \u0111\u1ea3m b\u1ea3o t\u1eeb ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n, th\u01b0\u1eddng l\u00e0 100% gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u1ebf ch\u1ea5p ho\u1eb7c k\u00fd qu\u1ef9 ti\u1ec1n m\u1eb7t c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh ch\u1ea5p nh\u1eadn.<\/p>\n

T\u00f3m l\u1ea1i, guarantee l\u00e0 g\u00ec? \u0110\u00f3 l\u00e0 m\u1ed9t l\u1eddi h\u1ee9a h\u1ee3p ph\u00e1p c\u1ee7a b\u00ean th\u1ee9 ba (ng\u01b0\u1eddi b\u1ea3o l\u00e3nh) \u0111\u1ec3 trang tr\u1ea3i kho\u1ea3n n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay ho\u1eb7c c\u00e1c lo\u1ea1i tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. Hi v\u1ecdng qua n\u1ed9i dung chia s\u1ebb tr\u00ean \u0111\u00e2y b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 thu\u1eadt ng\u1eef quen thu\u1ed9c n\u00e0y.<\/p>\n

Tr\u00e2m Nguy\u1ec5n<\/strong><\/p>\n

\u00a0<\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ec3 hi\u1ec3u guarantee l\u00e0 g\u00ec, h\u00e3y ngh\u0129 \u0111\u1ebfn th\u1ef1c t\u1ebf l\u00e0 m\u1ed7i doanh nghi\u1ec7p t\u1ea1i m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i vay n\u1ee3.\u00a0Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh mu\u1ed1n c\u00f3 ng\u01b0\u1eddi \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh cho kho\u1ea3n vay m\u00e0 h\u1ecd s\u1eafp cung c\u1ea5p.\u00a0\u0110\u00f3 l\u00e0 nh\u1eefng g\u00ec li\u00ean quan \u0111\u1ebfn b\u1ea3o l\u00e3nh guarantee.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21458"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21458"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21458\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}