{"id":24486,"date":"2023-12-06T12:17:24","date_gmt":"2023-12-06T12:17:24","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tiet-kiem-bat-buoc-forced-saving-la-gi.html"},"modified":"2023-12-22T09:47:46","modified_gmt":"2023-12-22T02:47:46","slug":"tiet-kiem-bat-buoc-forced-saving-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tiet-kiem-bat-buoc-forced-saving-la-gi.html","title":{"rendered":"Ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c (Forced saving) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: Flickr<\/p>\n<\/figcaption><\/figure>\n

Ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c (Forced saving)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

Ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/b> trong ti\u1ebfng Anh l\u00e0 forced saving<\/b> hay involuntary saving<\/b>.<\/p>\n

Ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/em>\u00a0l\u00e0 vi\u1ec7c c\u1eaft gi\u1ea3m ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch b\u1eaft bu\u1ed9c trong n\u1ec1n kinh t\u1ebf.<\/p>\n

C\u1ee5 th\u1ec3 h\u01a1n, ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c l\u00e0 t\u00ecnh hu\u1ed1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng chi ti\u00eau \u00edt h\u01a1n thu nh\u1eadp kh\u1ea3 d\u1ee5ng c\u1ee7a h\u1ecd, kh\u00f4ng ph\u1ea3i v\u00ec h\u1ecd mu\u1ed1n ti\u1ebft ki\u1ec7m m\u00e0 v\u00ec h\u00e0ng h\u00f3a h\u1ecd t\u00ecm ki\u1ebfm kh\u00f4ng c\u00f3 s\u1eb5n.<\/p>\n

Vi\u1ec7c ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c c\u0169ng c\u00f3 th\u1ec3 x\u1ea3y ra khi h\u00e0ng h\u00f3a c\u00f3 s\u1eb5n qu\u00e1 \u0111\u1eaft, do \u0111\u00f3 m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng c\u00f3 quy\u1ec1n ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng ph\u1ea3i t\u00edch l\u0169y ti\u1ec1n \u0111\u1ec3 mua h\u00e0ng trong m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i.<\/p>\n

Ch\u00ednh s\u00e1ch ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/font><\/h3>\n

– Ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/b> tr\u1ef1c ti\u1ebfp\u00a0b\u1eb1ng c\u00e1ch t\u0103ng thu\u1ebf, qua \u0111\u00f3 l\u00e0m cho ph\u1ea7n thu nh\u1eadp m\u00e0 c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng b\u1ecb gi\u1ea3m, ho\u1eb7c\u00a0gi\u00e1n ti\u1ebfp\u00a0th\u00f4ng qua l\u1ea1m ph\u00e1t: s\u1ef1 gia t\u0103ng gi\u00e1 c\u1ea3 nhanh h\u01a1n m\u1ee9c t\u0103ng thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u00e0m cho thu nh\u1eadp th\u1ef1c t\u1ebf b\u1ecb gi\u1ea3m, v\u00ec v\u1eady m\u1ee9c chi ti\u00eau th\u1ef1c t\u1ebf (t\u00ednh theo gi\u00e1 c\u1ed1 \u0111\u1ecbnh) cho ti\u00eau d\u00f9ng c\u0169ng gi\u1ea3m.<\/p>\n

– Ch\u00ednh s\u00e1ch ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00e0i tr\u1ee3 cho chi\u1ebfn tranh ho\u1eb7c x\u1eed l\u00ed<\/span> v\u1ea5n \u0111\u1ec1 thi\u1ebfu h\u1ee5t ti\u1ebft ki\u1ec7m (so v\u1edbi nhu c\u1ea7u \u0111\u1ea7u t\u01b0) \u1edf c\u00e1c n\u01b0\u1edbc \u0111ang ph\u00e1t tri\u1ec3n.<\/p>\n

Ph\u00e2n bi\u1ec7t ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng v\u00e0 ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/font><\/h3>\n

– Ti\u1ebft ki\u1ec7m (Savings)<\/b> \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 thu nh\u1eadp so v\u1edbi chi ti\u00eau ti\u00eau d\u00f9ng. N\u00f3i c\u00e1ch kh\u00e1c, ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng<\/i>\u00a0l\u00e0 ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i, ch\u1ee9 kh\u00f4ng chi cho ti\u00eau d\u00f9ng hi\u1ec7n t\u1ea1i.<\/p>\n

– Ti\u1ebft ki\u1ec7m<\/i> l\u00e0 kh\u00e1i ni\u1ec7m r\u00fat ra t\u1eeb m\u00f4 h\u00ecnh v\u1ec1 v\u00f2ng chu chuy\u1ec3n c\u1ee7a thu nh\u1eadp qu\u1ed1c d\u00e2n. Trong m\u00f4 h\u00ecnh \u0111\u01a1n gi\u1ea3n v\u1ec1 v\u00f2ng chu chuy\u1ec3n, to\u00e0n b\u1ed9 ti\u1ebft ki\u1ec7m \u0111\u1ec1u do c\u00e1c h\u1ed9 gia \u0111\u00ecnh th\u1ef1c hi\u1ec7n. Trong m\u00f4 h\u00ecnh m\u1edf r\u1ed9ng, ti\u1ebft ki\u1ec7m c\u00f2n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi doanh nghi\u1ec7p (l\u1ee3i nhu\u1eadn gi\u1eef l\u1ea1i) v\u00e0 Ch\u00ednh ph\u1ee7 (th\u1eb7ng d\u01b0 ng\u00e2n s\u00e1ch).<\/p>\n

– Kh\u00f4ng gi\u1ed1ng nh\u01b0 ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng<\/i>, ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c<\/b> l\u00e0 vi\u1ec7c gi\u1ea3m ti\u00eau th\u1ee5 hi\u1ec7n t\u1ea1i m\u1ed9t c\u00e1ch kh\u00f4ng t\u00ecnh nguy\u1ec7n, trong khi ti\u1ebft ki\u1ec7m l\u00e0 t\u1ef1 nguy\u1ec7n gi\u1ea3m ti\u00eau th\u1ee5 hi\u1ec7n t\u1ea1i \u0111\u1ec3 t\u0103ng ti\u00eau th\u1ee5 trong t\u01b0\u01a1ng lai.<\/p>\n

– Ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng quan tr\u1ecdng \u1edf ch\u1ed7 n\u00f3 cung c\u1ea5p t\u00e0i ch\u00ednh cho \u0111\u1ea7u t\u01b0 hi\u1ec7n v\u1eadt. Nh\u01b0 v\u1eady, ti\u1ebft ki\u1ec7m l\u00e0 s\u1ef1 hi sinh ti\u00eau d\u00f9ng hi\u1ec7n t\u1ea1i \u0111\u1ec3 d\u00e0nh ngu\u1ed3n l\u1ef1c cho vi\u1ec7c l\u00e0m t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng t\u01b0 b\u1ea3n qu\u1ed1c gia v\u00e0 v\u00ec th\u1ebf t\u1ea1o ra kh\u1ea3 n\u0103ng s\u1ea3n xu\u1ea5t l\u01b0\u1ee3ng h\u00e0ng h\u00f3a ng\u00e0y c\u00e0ng l\u1edbn h\u01a1n.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: T\u1eeb \u0111i\u1ec3n Kinh t\u1ebf h\u1ecdc, NXB \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n; Businessdictionary)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Ti\u1ebft ki\u1ec7m b\u1eaft bu\u1ed9c (ti\u1ebfng Anh: Forced saving) l\u00e0 vi\u1ec7c c\u1eaft gi\u1ea3m ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch b\u1eaft bu\u1ed9c trong n\u1ec1n kinh t\u1ebf.\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\/24486"}],"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=24486"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24486\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=24486"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=24486"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=24486"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}