{"id":27142,"date":"2023-12-07T03:20:57","date_gmt":"2023-12-07T03:20:57","guid":{"rendered":"https:\/\/masterskills.org\/blog\/lai-suat-chiet-khau-discount-rate-la-gi.html"},"modified":"2023-12-22T14:40:57","modified_gmt":"2023-12-22T07:40:57","slug":"lai-suat-chiet-khau-discount-rate-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/lai-suat-chiet-khau-discount-rate-la-gi.html","title":{"rendered":"L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u (Discount rate) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n TraderViet<\/p>\n<\/div>\n<\/div>\n

L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u (Discount rate)<\/font><\/h2>\n

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

L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/b> trong ti\u1ebfng Anh l\u00e0 Discount rate<\/b>. \u0110\u00f3 l\u00e0 l\u00e3i su\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u00e1p d\u1ee5ng khi cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i vay ti\u1ec1n.<\/p>\n

Vi\u1ec7c vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 vay chi\u1ebft kh\u1ea5u<\/b>.<\/p>\n

M\u00f4 t\u1ea3 nghi\u1ec7p v\u1ee5<\/font><\/h3>\n

Khi kh\u00f4ng \u0111\u1ee7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng. T\u00ecnh hu\u1ed1ng n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra b\u1edfi v\u00ec ng\u00e2n h\u00e0ng \u0111\u00e3 cho vay qu\u00e1 nhi\u1ec1u ho\u1eb7c b\u1edfi v\u00ec c\u00f3 qu\u00e1 nhi\u1ec1u c\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c r\u00fat ra. Khi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng cho m\u1ed9t ng\u00e2n h\u00e0ng vay ti\u1ec1n, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 nhi\u1ec1u d\u1ef1 tr\u1eef h\u01a1n v\u00e0 h\u1ecd c\u00f3 th\u1ec3 t\u1ea1o ra nhi\u1ec1u ti\u1ec1n h\u01a1n.<\/p>\n

Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i cung \u1ee9ng ti\u1ec1n t\u1ec7 b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/b>. L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u c\u00e0ng cao, c\u00e1c ng\u00e2n h\u00e0ng c\u00e0ng \u00edt vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u1ec1 b\u00f9 \u0111\u1eafp d\u1ef1 tr\u1eef.\u00a0<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u r\u00fat ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng trong khi \u00edt vay ti\u1ec1n h\u01a1n t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 xu h\u01b0\u1edbng t\u0103ng t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef v\u00e0 l\u00e0m gi\u1ea3m s\u1ed1 nh\u00e2n ti\u1ec1n. B\u1edfi v\u1eady, bi\u1ec7n ph\u00e1p t\u0103ng l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u c\u00f3 xu h\u01b0\u1edfng l\u00e0m gi\u1ea3m c\u01a1 s\u1edf ti\u1ec1n v\u00e0 s\u1ed1 nh\u00e2n ti\u1ec1n, d\u1eabn \u0111\u1ebfn cung \u1ee9ng ti\u1ec1n t\u1ec7 gi\u1ea3m.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, bi\u1ec7n ph\u00e1p gi\u1ea3m l<\/b>\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/b> s\u1ebd khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng vay nhi\u1ec1u ti\u1ec1n h\u01a1n t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 d\u1ef1 tr\u1eef v\u1edbi t\u1ec9 l\u1ec7 th\u1ea5p h\u01a1n, d\u1eabn t\u1edbi c\u01a1 s\u1edf ti\u1ec1n v\u00e0 s\u1ed1 nh\u00e2n ti\u1ec1n t\u0103ng v\u00e0 cung \u1ee9ng ti\u1ec1n t\u1ec7 t\u0103ng.<\/p>\n

\u00dd ngh\u0129a<\/font><\/h3>\n

Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c cho vay chi\u1ebft kh\u1ea5u<\/b> kh\u00f4ng ch\u1ec9 \u0111\u1ec3 ki\u1ec3m so\u00e1t cung \u1ee9ng ti\u1ec1n t\u1ec7, m\u00e0 c\u00f2n gi\u00fap \u0111\u1ee1 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh khi h\u1ecd r\u01a1i v\u00e0o t\u00ecnh th\u1ebf kh\u00f3 kh\u0103n.<\/p>\n

V\u00ed d\u1ee5: v\u00e0o n\u0103m 2005, m\u1ecdi ng\u01b0\u1eddi \u0111\u1ed3n r\u1eb1ng ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n Ph\u01b0\u01a1ng Nam c\u00f3 r\u1ea5t nhi\u1ec1u kho\u1ea3n n\u1ee3 kh\u00f3 \u0111\u00f2i v\u00e0 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 r\u00fat ti\u1ec1n ra. \u0110\u1ec3 c\u1ee9u ng\u00e2n h\u00e0ng n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng v\u1edbi t\u01b0 c\u00e1ch ng\u01b0\u1eddi cho vay cu\u1ed1i c\u00f9ng.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o Gi\u00e1o tr\u00ecnh Kinh t\u1ebf h\u1ecdc, NXB \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u (ti\u1ebfng Anh: Discount rate) \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 l\u00e3i su\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i vay. L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 m\u1ed9t trong c\u00e1c c\u00f4ng c\u1ee5 th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng.\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\/27142"}],"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=27142"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27142\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}