{"id":25872,"date":"2023-12-07T02:13:42","date_gmt":"2023-12-07T02:13:42","guid":{"rendered":"https:\/\/masterskills.org\/blog\/that-chat-tin-dung-credit-crunch-la-gi-hau-qua-cua-that-chat-tin-dung.html"},"modified":"2023-12-07T02:13:42","modified_gmt":"2023-12-07T02:13:42","slug":"that-chat-tin-dung-credit-crunch-la-gi-hau-qua-cua-that-chat-tin-dung","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/that-chat-tin-dung-credit-crunch-la-gi-hau-qua-cua-that-chat-tin-dung.html","title":{"rendered":"Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng (Credit Crunch) l\u00e0 g\u00ec? H\u1eadu qu\u1ea3 c\u1ee7a th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng"},"content":{"rendered":"
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\"image-Credit-crunch-on-blue-business-binder-stocky-ai-12595028\"<\/div>\n
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Stocky.ai<\/i><\/p>\n<\/div>\n<\/div>\n

Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng<\/font><\/h2>\n

Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n

Th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng<\/b> hay suy ki\u1ec7t t\u00edn d\u1ee5ng<\/b> trong ti\u00ea\u0301ng Anh la\u0300 Credit Crunch<\/b>.<\/p>\n

Hi\u1ec7n t\u01b0\u1ee3ng\u00a0th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng<\/b> l\u00e0 s\u1ef1 suy gi\u1ea3m trong ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh do thi\u1ebfu v\u1ed1n \u0111\u1ed9t ng\u1ed9t.\u00a0<\/p>\n

Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng th\u01b0\u1eddng l\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a suy tho\u00e1i kinh t\u1ebf, khi\u1ebfn c\u00e1c c\u00f4ng ty g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 vay \u0111\u01b0\u1ee3c v\u00ec nh\u1eefng ng\u01b0\u1eddi cho vay s\u1ee3 h\u1ecd b\u1ecb ph\u00e1 s\u1ea3n ho\u1eb7c v\u1ee1 n\u1ee3, d\u1eabn \u0111\u1ebfn t\u1ec9 l\u1ec7 l\u00e3i su\u1ea5t c\u0169ng cao h\u01a1n. \u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng\u00a0<\/font><\/h3>\n

Th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng<\/b> l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng kinh t\u1ebf trong \u0111\u00f3 c\u00e1c kho\u1ea3n v\u1ed1n \u0111\u1ea7u t\u01b0 kh\u00f3 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m. Trong kho\u1ea3ng th\u1eddi gian n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng c\u1ea3nh gi\u00e1c h\u01a1n v\u1edbi vi\u1ec7c cho vay c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p v\u00ec h\u1ecd e s\u1ee3 r\u1eb1ng ng\u01b0\u1eddi vay s\u1ebd v\u1ee1 n\u1ee3.\u00a0<\/p>\n

\u0110i\u1ec1u n\u00e0y khi\u1ebfn l\u00e3i su\u1ea5t t\u0103ng l\u00ean nh\u01b0 m\u1ed9t c\u00e1ch b\u00f9 \u0111\u1eafp cho ng\u01b0\u1eddi cho vay khi ch\u1ea5p nh\u1eadn r\u1ee7i ro b\u1ed5 sung. \u00a0 \u00a0\u00a0<\/p>\n

Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng x\u1ea3y ra m\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 thay \u0111\u1ed5i \u0111\u1ed9t ng\u1ed9t c\u1ee7a l\u00e3i su\u1ea5t. C\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p d\u00f9 tr\u01b0\u1edbc khi th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng x\u1ea3y ra c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n vay t\u00e0i tr\u1ee3 cho c\u00e1c giao d\u1ecbch quan tr\u1ecdng hay m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng, v\u1eabn c\u00f3 th\u1ec3 b\u1ea5t ng\u1edd th\u1ea5y m\u00ecnh kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c kho\u1ea3n ti\u1ec1n n\u00e0y.\u00a0<\/p>\n

Nguy\u00ean nh\u00e2n c\u1ee7a th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng\u00a0<\/font><\/h3>\n

Hi\u1ec7n t\u01b0\u1ee3ng\u00a0th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng<\/b> th\u01b0\u1eddng di\u1ec5n ra sau m\u1ed9t th\u1eddi gian ng\u01b0\u1eddi cho vay qu\u00e1 th\u1ea3 l\u1ecfng trong vi\u1ec7c cung c\u1ea5p t\u00edn d\u1ee5ng.\u00a0<\/p>\n

C\u00e1c kho\u1ea3n cho vay \u0111\u01b0\u1ee3c \u1ee9ng tr\u01b0\u1edbc cho nh\u1eefng ng\u01b0\u1eddi \u0111i vay ngay c\u1ea3 khi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a h\u1ecd \u0111\u00e1ng ng\u1edd, v\u00e0 do \u0111\u00f3, t\u1ec9 l\u1ec7 v\u1ee1 n\u1ee3 v\u00e0 s\u1ed1 l\u01b0\u1ee3ng c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u b\u1eaft \u0111\u1ea7u t\u0103ng l\u00ean.\u00a0<\/p>\n

Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ef1c \u0111oan, ti\u00eau bi\u1ec3u l\u00e0 cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng cao \u0111\u1ebfn m\u1ee9c nhi\u1ec1u ng\u00e2n h\u00e0ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 bu\u1ed9c ph\u1ea3i \u0111\u00f3ng c\u1eeda ho\u1eb7c d\u1ef1a v\u00e0o c\u1ee9u tr\u1ee3 c\u1ee7a ch\u00ednh ph\u1ee7 \u0111\u1ec3 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng. \u00a0\u00a0<\/p>\n

H\u1eadu qu\u1ea3 c\u1ee7a Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng\u00a0<\/span><\/h3>\n

H\u1eadu qu\u1ea3 th\u00f4ng th\u01b0\u1eddng c\u1ee7a th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng<\/b> l\u00e0 s\u1ef1 suy tho\u00e1i k\u00e9o d\u00e0i ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1eadm ch\u1ea1p c\u1ee7a n\u1ec1n kinh t\u1ebf do ngu\u1ed3n cung t\u00edn d\u1ee5ng b\u1ecb thu h\u1eb9p.\u00a0<\/p>\n

Ngo\u00e0i vi\u1ec7c th\u1eaft ch\u1eb7t c\u00e1c ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng, ng\u01b0\u1eddi cho vay c\u0169ng c\u00f3 th\u1ec3 t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 ki\u1ebfm \u0111\u01b0\u1ee3c doanh thu l\u1edbn h\u01a1n t\u1eeb s\u1ed1 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay.\u00a0<\/p>\n

Chi ph\u00ed vay t\u0103ng l\u00ean l\u1ea5y \u0111i kh\u1ea3 n\u0103ng chi ti\u00eau c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n trong n\u1ec1n kinh t\u1ebf c\u0169ng nh\u01b0 n\u00f3 chi\u1ebfm m\u1ed9t ph\u1ea7n v\u1ed1n kinh doanh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng v\u00e0 thu\u00ea nh\u00e2n c\u00f4ng c\u1ee7a m\u1ed9t doanh nghi\u1ec7p. \u00a0\u00a0<\/p>\n

\u0110\u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u1ea3nh h\u01b0\u1edfng c\u1ee7a th\u1eaft ch\u1eb7t\u00a0t\u00edn d\u1ee5ng <\/b>c\u00f2n l\u1edbn h\u01a1n vi\u1ec7c t\u0103ng chi ph\u00ed v\u1ed1n. C\u00e1c doanh nghi\u1ec7p kh\u00f4ng th\u1ec3 vay v\u1ed1n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u kh\u00f3 kh\u0103n \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng v\u00e0 m\u1edf r\u1ed9ng kinh doanh v\u00e0 \u0111\u1ed1i v\u1edbi s\u1ed1 c\u00f2n l\u1ea1i, vi\u1ec7c ti\u1ebfp t\u1ee5c kinh doanh l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c l\u1edbn.\u00a0<\/p>\n

\u0110\u00f4i khi c\u00e1c doanh nghi\u1ec7p c\u1ed1 g\u1eafng ho\u1ea1t \u0111\u1ed9ng tr\u1edf l\u1ea1i v\u00e0 c\u1eaft gi\u1ea3m l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng c\u1ee7a h\u1ecd, cu\u1ed1i c\u00f9ng d\u1eabn \u0111\u1ebfn gi\u1ea3m n\u0103ng su\u1ea5t v\u00e0 t\u1ec9 l\u1ec7 th\u1ea5t nghi\u1ec7p t\u0103ng l\u00ean. Hai h\u1ec7 qu\u1ea3 n\u00e0y s\u1ebd c\u00e0ng l\u00e0m cu\u1ed9c suy tho\u00e1i kinh t\u1ebf \u0111ang x\u1ea5u tr\u1edf n\u00ean t\u1ed3i t\u1ec7 h\u01a1n.\u00a0 \u00a0<\/p>\n

(Theo Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng (ti\u1ebfng Anh: Credit Crunch) l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng c\u1eaft gi\u1ea3m ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh do s\u1ef1 thi\u00eau h\u1ee5t v\u1ed1n \u0111\u1ed9t ng\u1ed9t.\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\/25872"}],"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=25872"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/25872\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=25872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=25872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=25872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}