{"id":24202,"date":"2023-12-06T12:00:13","date_gmt":"2023-12-06T12:00:13","guid":{"rendered":"https:\/\/masterskills.org\/blog\/so-du-binh-quan-chua-thanh-toan-average-outstanding-balance-la-gi.html"},"modified":"2023-12-22T09:36:41","modified_gmt":"2023-12-22T02:36:41","slug":"so-du-binh-quan-chua-thanh-toan-average-outstanding-balance-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/so-du-binh-quan-chua-thanh-toan-average-outstanding-balance-la-gi.html","title":{"rendered":"S\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n (Average Outstanding Balance) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: livemint<\/i><\/p>\n<\/figcaption><\/figure>\n

S\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n\u00a0<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

S\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n <\/b>trong ti\u1ebfng Anh l\u00e0\u00a0Average Outstanding Balance.\u00a0<\/b><\/p>\n

S\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n<\/b> l\u00e0 d\u01b0 n\u1ee3 v\u00e0 ti\u1ec1n l\u00e3i ch\u01b0a tr\u1ea3 c\u1ee7a kho\u1ea3n vay ho\u1eb7c danh m\u1ee5c cho vay trung b\u00ecnh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian, th\u01b0\u1eddng l\u00e0 m\u1ed9t th\u00e1ng.<\/p>\n

N\u1ed9i dung<\/font><\/h3>\n

S\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n trung b\u00ecnh c\u00f3 th\u1ec3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea5t k\u00ec kho\u1ea3n vay c\u00f3 k\u00ec h\u1ea1n, vay tr\u1ea3 g\u00f3p, t\u00edn d\u1ee5ng quay v\u00f2ng ho\u1eb7c n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng c\u00f3 t\u00ednh l\u00e3i. N\u00f3 c\u0169ng c\u00f3 th\u1ec3 l\u00e0 th\u01b0\u1edbc \u0111o trung b\u00ecnh c\u1ee7a t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay trong m\u1ed9t kho\u1ea3ng th\u1eddi gian.<\/p>\n

Nhi\u1ec1u c\u00f4ng ty th\u1ebb t\u00edn d\u1ee5ng s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p s\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n h\u00e0ng ng\u00e0y \u0111\u1ec3 t\u00ednh l\u00e3i \u00e1p d\u1ee5ng cho kho\u1ea3n vay t\u00edn d\u1ee5ng quay v\u00f2ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebb t\u00edn d\u1ee5ng. Ng\u01b0\u1eddi d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng c\u1ed9ng d\u1ed3n s\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n khi h\u1ecd mua h\u00e0ng trong su\u1ed1t c\u1ea3 th\u00e1ng.<\/p>\n

V\u1edbi c\u00e1ch t\u00ednh to\u00e1n s\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n b\u00ecnh qu\u00e2n h\u00e0ng ng\u00e0y, ch\u1ee7 n\u1ee3 c\u00f3 th\u1ec3 l\u1ea5y trung b\u00ecnh s\u1ed1 d\u01b0 trong k\u00ec v\u00e0 \u01b0\u1edbc t\u00ednh to\u00e1n l\u00e3i su\u1ea5t h\u00e0ng ng\u00e0y.<\/p>\n

Ngo\u00e0i ra c\u00f2n m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ph\u00e1p trung b\u00ecnh kh\u00e1c nh\u01b0 trung b\u00ecnh \u0111\u01a1n gi\u1ea3n: l\u1ea5y s\u1ed1 d\u01b0 \u0111\u1ea7u k\u00ec c\u1ed9ng s\u1ed1 d\u01b0 cu\u1ed1i k\u00ec, sau \u0111\u00f3 chia \u0111\u00f4i v\u00e0 nh\u00e2n v\u1edbi l\u00e3i su\u1ea5t theo th\u00e1ng.<\/p>\n

Ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng s\u1ebd cung c\u1ea5p ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng m\u1edf th\u1ebb. M\u1ed9t s\u1ed1 c\u00f4ng ty c\u00f3 th\u1ec3 cung c\u1ea5p chi ti\u1ebft v\u1ec1 t\u00ednh to\u00e1n l\u00e3i su\u1ea5t v\u00e0 s\u1ed1 d\u01b0 trung b\u00ecnh trong b\u00e1o c\u00e1o h\u00e0ng th\u00e1ng c\u1ee7a h\u1ecd.<\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng<\/font><\/font><\/h3>\n

S\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o b\u1edfi c\u00e1c nh\u00e0 cung c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c c\u01a1 quan b\u00e1o c\u00e1o t\u00edn d\u1ee5ng m\u1ed7i th\u00e1ng. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u1eddng b\u00e1o c\u00e1o t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u00e1o c\u00e1o \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh. M\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c kh\u00e1c b\u00e1o c\u00e1o t\u1ea1i m\u1ed9t ng\u00e0y c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng.<\/p>\n

S\u1ed1 d\u01b0 c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i n\u1ee3 quay v\u00f2ng v\u00e0 kh\u00f4ng quay v\u00f2ng \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o. V\u1edbi s\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng b\u00e1o c\u00e1o c\u00e1c kho\u1ea3n thanh to\u00e1n qu\u00e1 t\u1eeb 60 ng\u00e0y.<\/p>\n

Vi\u1ec7c thanh to\u00e1n \u0111\u00fang h\u1ea1n v\u00e0 s\u1ed1 d\u01b0 ch\u01b0a thanh to\u00e1n l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 h\u00e0ng \u0111\u1ea7u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n

C\u00e1c chuy\u00ean gia n\u00f3i r\u1eb1ng ng\u01b0\u1eddi vay n\u00ean c\u1ed1 g\u1eafng gi\u1eef t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 d\u01b0\u1edbi 40%. Khi t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m, \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi vay c\u1ea3i thi\u1ec7n. Tuy nhi\u00ean, vi\u1ec7c thanh to\u00e1n \u0111\u00fang h\u1ea1n kh\u00f4ng d\u1ec5 c\u1ea3i thi\u1ec7n v\u00ec c\u00e1c kho\u1ea3n thanh to\u00e1n qu\u00e1 h\u1ea1n l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i tr\u00ean b\u00e1o c\u00e1o t\u00edn d\u1ee5ng trong b\u1ea3y n\u0103m.<\/p>\n

Nh\u00ecn chung, s\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n kh\u00f4ng nh\u1ea5t thi\u1ebft l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng. Tuy nhi\u00ean, n\u1ebfu s\u1ed1 d\u01b0 c\u1ee7a ng\u01b0\u1eddi vay thay \u0111\u1ed5i m\u1ea1nh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian ng\u1eafn (do tr\u1ea3 n\u1ee3 ho\u1eb7c n\u1ee3 t\u00edch l\u0169y) s\u1ebd khi\u1ebfn t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 b\u00e1o c\u00e1o cho trung t\u00e2m th\u00f4n tin t\u00edn d\u1ee5ng c\u00f3 \u0111\u1ed9 tr\u1ec5. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn vi\u1ec7c theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1 s\u1ed1 d\u01b0 n\u1ee3 theo th\u1eddi gian th\u1ef1c tr\u1edf n\u00ean kh\u00f3 kh\u0103n.<\/p>\n

(Ngu\u1ed3n tham kh\u1ea3o: Average Outstanding Balance, Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n S\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n ch\u01b0a thanh to\u00e1n (ti\u1ebfng Anh: Average Outstanding Balance) l\u00e0 d\u01b0 n\u1ee3 v\u00e0 ti\u1ec1n l\u00e3i ch\u01b0a tr\u1ea3 c\u1ee7a kho\u1ea3n vay ho\u1eb7c danh m\u1ee5c cho vay trung b\u00ecnh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian, th\u01b0\u1eddng l\u00e0 m\u1ed9t th\u00e1ng.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24202"}],"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=24202"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24202\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=24202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=24202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=24202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}