{"id":29015,"date":"2023-12-07T05:31:58","date_gmt":"2023-12-07T05:31:58","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tieu-chuan-tin-dung-credit-standards-la-gi-nguyen-tac-4c.html"},"modified":"2023-12-23T06:07:47","modified_gmt":"2023-12-22T23:07:47","slug":"tieu-chuan-tin-dung-credit-standards-la-gi-nguyen-tac-4c","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tieu-chuan-tin-dung-credit-standards-la-gi-nguyen-tac-4c.html","title":{"rendered":"Ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng (Credit standards) l\u00e0 g\u00ec? Nguy\u00ean t\u1eafc 4C"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: blogics)<\/p>\n<\/div>\n<\/div>\n

Ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng<\/font><\/h2>\n

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

Ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng<\/b> trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0\u00a0Credit standards.<\/b><\/p>\n

Ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng<\/b> l\u00e0 nguy\u00ean t\u1eafc ch\u1ec9 \u0111\u1ea1o \u0111\u1ecbnh r\u00f5 s\u1ee9c m\u1ea1nh t\u00e0i ch\u00ednh t\u1ed1i thi\u1ec3u v\u00e0 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng mua ch\u1ecbu.\u00a0<\/p>\n

Theo nguy\u00ean t\u1eafc n\u00e0y nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 s\u1ee9c m\u1ea1nh t\u00e0i ch\u00ednh hay v\u1ecb th\u1ebf t\u00edn d\u1ee5ng th\u1ea5p h\u01a1n nh\u1eefng ti\u00eau chu\u1ea9n c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p t\u00edn d\u1ee5ng theo th\u1ec3 th\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i.\u00a0<\/p>\n

\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 nh\u1eefng thay \u0111\u1ed5i trong ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i nh\u1eefng ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng.\u00a0<\/p>\n

M\u1ed9t doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng l\u00ean doanh s\u1ed1 b\u00e1n c\u1ee7a h\u1ecd khi ti\u00eau chu\u1ea9n t\u0103ng l\u00ean \u1edf m\u1ee9c cao h\u01a1n, doanh s\u1ed1 b\u00e1n s\u1ebd gi\u1ea3m v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, khi c\u00e1c ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c h\u1ea1 th\u1ea5p th\u00ec doanh s\u1ed1 b\u00e1n s\u1ebd t\u0103ng l\u00ean.\u00a0<\/p>\n

Th\u00f4ng th\u01b0\u1eddng, khi c\u00e1c ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c h\u1ea1 th\u1ea5p s\u1ebd thu h\u00fat \u0111\u01b0\u1ee3c nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u00f3 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh y\u1ebfu h\u01a1n. H\u01a1n n\u1eefa, khi k\u00ec thu ti\u1ec1n b\u00ecnh qu\u00e2n t\u0103ng l\u00ean th\u00ec kh\u1ea3 n\u0103ng g\u1eb7p nh\u1eefng m\u00f3n n\u1ee3 kh\u00f3 \u0111\u00f2i hay thua l\u1ed7 c\u00f9ng t\u0103ng l\u00ean v\u00e0 chi ph\u00ed thu ti\u1ec1n c\u0169ng cao h\u01a1n.\u00a0<\/p>\n

Do \u0111\u00f3, v\u1ec1 nguy\u00ean t\u1eafc khi quy\u1ebft \u0111\u1ecbnh thay \u0111\u1ed5i ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn khi ra quy\u1ebft \u0111\u1ecbnh nh\u01b0ng trong th\u1ef1c t\u1ebf ch\u1ec9 c\u00f3 m\u1ed9t l\u01b0\u1ee3ng h\u1ea1n ch\u1ebf trong \u0111\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.\u00a0<\/p>\n

V\u1ec1 m\u1eb7t l\u00ed lu\u1eadn, ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 h\u1ea1 th\u1ea5p \u0111\u1ebfn m\u1ee9c m\u00e0 t\u00ednh sinh l\u1eddi c\u1ee7a l\u01b0\u1ee3ng b\u00e1n t\u0103ng th\u00eam v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed cho kho\u1ea3n ph\u1ea3i thu t\u0103ng th\u00eam.\u00a0<\/p>\n

Chi ph\u00ed t\u0103ng th\u00eam khi h\u1ea1 th\u1ea5p ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng:<\/p>\n

– Qui m\u00f4 b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng t\u0103ng l\u00ean<\/p>\n

– C\u00f4ng vi\u1ec7c h\u00e0nh ch\u00ednh nhi\u1ec1u v\u00e0 ph\u1ee9c t\u1ea1p h\u01a1n<\/p>\n

– Chi ph\u00ed qu\u1ea3n l\u00ed kho\u1ea3n ph\u1ea3i thu t\u0103ng<\/p>\n

– M\u1ea5t m\u00e1t t\u0103ng th\u00eam<\/p>\n

– Chi ph\u00ed c\u01a1 h\u1ed9i v\u1ed1n t\u0103ng th\u00eam<\/p>\n

T\u00f3m l\u1ea1i, chi ph\u00ed c\u01a1 h\u1ed9i v\u1ed1n c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n t\u1eeb vi\u1ec7c t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng b\u00e1n v\u00e0 l\u00e0m ch\u1eadm tr\u1ec5 th\u1eddi gian thanh to\u00e1n t\u1eeb kh\u00e1ch h\u00e0ng.\u00a0<\/p>\n

Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng t\u1ed1i \u01b0u bao g\u1ed3m vi\u1ec7c m\u1edf t\u00edn d\u1ee5ng sao cho kh\u1ea3 n\u0103ng sinh l\u1eddi bi\u00ean t\u0103ng th\u00eam \u1edf l\u01b0\u1ee3ng b\u00e1n t\u0103ng th\u00eam c\u00e2n b\u1eb1ng v\u1edbi chi ph\u00ed c\u1ea7n thi\u1ebft c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u0103ng th\u00eam v\u00e0o kho\u1ea3n ph\u1ea3i thu \u0111\u1ec3 c\u00f3 l\u01b0\u1ee3ng b\u00e1n n\u00e0y.<\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 v\u1ecb th\u1ebf t\u00edn d\u1ee5ng kh\u00e1ch h\u00e0ng<\/font><\/h3>\n

Ph\u1ea7n l\u1edbn c\u00e1c kh\u00e1ch h\u00e0ng l\u00e0 \u0111\u1ea1i l\u00ed<\/span>, hi\u1ec7u bu\u00f4n t\u01b0 nh\u00e2n, ho\u1ea1t \u0111\u1ed9ng kinh doanh ngo\u00e0i ph\u1ea1m vi qu\u1ea3n l\u00ed<\/span> tr\u1ef1c ti\u1ebfp c\u1ee7a nh\u00e0 n\u01b0\u1edbc n\u00ean kh\u00f4ng h\u1ea1ch to\u00e1n s\u1ed5 s\u00e1ch r\u00f5 r\u00e0ng v\u00ec th\u1ebf kh\u00f4ng th\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng th\u00f4ng qua t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 t\u1ec9 su\u1ea5t t\u00edn d\u1ee5ng c\u1ee7a h\u1ecd.\u00a0<\/p>\n

\u0110\u1ec3 ph\u00e2n t\u00edch v\u1ecb th\u1ebf t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng ta c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean nguy\u00ean t\u1eafc “4 C”:<\/p>\n

– Character: <\/b>\u0111\u1eb7c \u0111i\u1ec3m, b\u1ea3n ch\u1ea5t t\u00edn d\u1ee5ng, th\u1ec3 hi\u1ec7n x\u1eed s\u1ef1 c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 kh\u1ee9.\u00a0<\/p>\n

T\u1ea5t nhi\u00ean, kh\u00f4ng th\u1ec3 \u0111o l\u01b0\u1eddng m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u1ec1 t\u01b0 c\u00e1ch t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111i\u1ec1u n\u00e0y d\u1ef1a tr\u00ean c\u00e1c d\u1eef li\u1ec7u v\u1ec1 nh\u1eefng l\u1ea7n mua h\u00e0ng tr\u01b0\u1edbc \u0111\u00f3, qua \u0111\u00f3 c\u00f3 th\u1ec3 th\u1ea5y kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

– Capital: <\/b>\u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00e1c m\u00f3n n\u1ee3, c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 ti\u00eau th\u1ee9c n\u00e0y d\u1ef1a tr\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n hi\u1ec7n t\u1ea1i v\u00e0 d\u00f2ng l\u01b0u kim li\u00ean quan \u0111\u1ebfn t\u1ed5ng s\u1ed1 n\u1ee3, c\u0169ng nh\u01b0 th\u1eddi \u0111i\u1ec3m ph\u1ea3i tr\u1ea3 c\u1ee7a ch\u00fang.\u00a0<\/p>\n

C\u00f2n c\u00e1c y\u1ebfu t\u1ed1 v\u1ec1 v\u1ed1n v\u00e0 s\u1ef1 \u0111o l\u01b0\u1eddng v\u1ec1 s\u1ee9c m\u1ea1nh t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng, y\u1ebfu t\u1ed1 n\u00e0y \u0111\u00e1nh gi\u00e1 b\u1eb1ng vi\u1ec7c ph\u00e2n t\u00edch c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh.\u00a0<\/p>\n

– Collater:<\/b> \u0111\u1ec1 c\u1eadp \u0111\u1ebfn th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh, b\u1ea5t c\u1ee9 t\u00e0i s\u1ea3n ri\u00eang n\u00e0o c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o cho c\u00e1c kho\u1ea3n n\u1ee3 v\u00e0 s\u1ef1 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

– Conditions: <\/b>\u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c y\u1ebfu t\u1ed1 n\u1eb1m ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: L\u00ed thuy\u1ebft v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng, \u0110H Duy T\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng (ti\u1ebfng Anh: Credit standards) l\u00e0 nguy\u00ean t\u1eafc ch\u1ec9 \u0111\u1ea1o \u0111\u1ecbnh r\u00f5 s\u1ee9c m\u1ea1nh t\u00e0i ch\u00ednh t\u1ed1i thi\u1ec3u v\u00e0 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng mua ch\u1ecbu.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29015"}],"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=29015"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29015\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}