{"id":29049,"date":"2023-12-07T05:33:41","date_gmt":"2023-12-07T05:33:41","guid":{"rendered":"https:\/\/masterskills.org\/blog\/ke-hoach-tai-chinh-financial-planning-la-gi.html"},"modified":"2023-12-23T06:08:00","modified_gmt":"2023-12-22T23:08:00","slug":"ke-hoach-tai-chinh-financial-planning-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/ke-hoach-tai-chinh-financial-planning-la-gi.html","title":{"rendered":"K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh (Financial planning) l\u00e0 g\u00ec?"},"content":{"rendered":"
\n
\n
<\/div>\n
\n

H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: fiverr)<\/p>\n<\/div>\n<\/div>\n

K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/font><\/h2>\n

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

K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh <\/b>hay\u00a0K\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i tr\u1ee3<\/b> trong ti\u1ebfng Anh t\u1ea1m d\u1ecbch l\u00e0:\u00a0Financial planning.<\/b><\/p>\n

K\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i tr\u1ee3<\/b> l\u00e0 m\u1ed9t d\u1ef1 t\u00ednh v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 khai th\u00e1c c\u00e1c ngu\u1ed3n v\u1ed1n theo t\u1eebng n\u0103m t\u00e0i kh\u00f3a trong ph\u1ea1m vi t\u1eeb 3 \u0111\u1ebfn 5 n\u0103m. K\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i tr\u1ee3 l\u00e0 t\u1ed5ng h\u1ee3p c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh d\u1ef1 ki\u1ebfn c\u1ee7a c\u00f4ng ty.\u00a0<\/p>\n

M\u1ee5c \u0111\u00edch<\/font><\/b><\/h3>\n

B\u1ea3o \u0111\u1ea3m duy tr\u00ec s\u1ef1 c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh.<\/p>\n

N\u1ed9i dung c\u1ee7a k\u1ebf ho\u1ea1ch<\/font><\/b><\/h3>\n

G\u1ed3m 2 ph\u1ea7n ch\u00ednh l\u00e0 nhu c\u1ea7u v\u1ed1n v\u00e0 ngu\u1ed3n v\u1ed1n.\u00a0<\/p>\n

– Nhu c\u1ea7u v\u1ed1n<\/b>\u00a0<\/p>\n

\u00a0Nhu c\u1ea7u v\u1ed1n l\u00e0 t\u1ed5ng h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c nhu c\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh kinh doanh, ph\u00e1t tri\u1ec3n, th\u1ec3 hi\u1ec7n tr\u00ean c\u01a1 s\u1edf bi\u1ebfn \u0111\u1ed5i r\u00f2ng gi\u1eefa c\u00e1c n\u0103m tr\u00ean c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh v\u1edbi c\u00e1c n\u1ed9i dung sau \u0111\u00e2y:\u00a0<\/p>\n

+ Nhu c\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o\u00a0t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh, th\u1ec3 hi\u1ec7n b\u1eb1ng s\u1ef1 t\u0103ng l\u00ean c\u1ee7a nguy\u00ean gi\u00e1 t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh<\/span> trong b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n;<\/p>\n

+ T\u0103ng v\u1ed1n lu\u00e2n chuy\u1ec3n r\u00f2ng: l\u00e0 t\u0103ng ph\u1ea7n t\u00e0i s\u1ea3n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 b\u1eb1ng ngu\u1ed3n v\u1ed1n th\u01b0\u1eddng xuy\u00ean;<\/p>\n

+ T\u0103ng \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh;<\/p>\n

+ T\u0103ng \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh.\u00a0<\/p>\n

– Ngu\u1ed3n v\u1ed1n<\/b>\u00a0<\/p>\n

Ngu\u1ed3n v\u1ed1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean khai th\u00e1c nh\u01b0 sau:\u00a0<\/p>\n

+ Ngu\u1ed3n v\u1ed1n \u0111\u01b0\u1ee3c r\u00fat ra t\u1eeb vi\u1ec7c gi\u1ea3m v\u1ed1n lu\u00e2n chuy\u1ec3n r\u00f2ng;<\/p>\n

+ Ngu\u1ed3n t\u1ef1 t\u00e0i tr\u1ee3: g\u1ed3m kh\u1ea5u hao v\u00e0 l\u1ee3i nhu\u1eadn ch\u01b0a ph\u00e2n ph\u1ed1i \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0;<\/p>\n

+ Nh\u1eadn ho\u00e0n v\u1ed1n vay: l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 do ng\u01b0\u1eddi vay d\u00e0i h\u1ea1n c\u1ee7a c\u00f4ng ty ho\u00e0n tr\u1ea3;<\/p>\n

+ Vay trung v\u00e0 d\u00e0i h\u1ea1n: Vay t\u1eeb ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c trung gian t\u00e0i ch\u00ednh kh\u00e1c;<\/p>\n

+ T\u0103ng v\u1ed1n: Vi\u1ec7c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i v\u00e0 v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu.\u00a0<\/p>\n

Trong k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i tr\u1ee3, c\u00f4ng ty c\u1ea7n ph\u1ea3i duy tr\u00ec m\u1ed9t s\u1ef1 c\u00e2n \u0111\u1ed1i gi\u1eefa ngu\u1ed3n v\u1ed1n v\u00e0 nhu c\u1ea7u v\u1ed1n. Khi c\u00f3 s\u1ef1 thi\u1ebfu h\u1ee5t v\u1ec1 ngu\u1ed3n v\u1ed1n, th\u1ee9 t\u1ef1 \u01b0u ti\u00ean tr\u01b0\u1edbc h\u1ebft l\u00e0 r\u00fat v\u1ed1n ra t\u1eeb v\u1ed1n lu\u00e2n chuy\u1ec3n r\u00f2ng, sau \u0111\u00f3 l\u00e0 s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p t\u00e0i tr\u1ee3 t\u1eeb b\u00ean ngo\u00e0i nh\u01b0 t\u0103ng v\u1ed1n b\u1eb1ng ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu v\u00e0 vay n\u1ee3.\u00a0<\/p>\n

Vi\u1ec7c s\u1eed d\u1ee5ng ngu\u1ed3n b\u00ean ngo\u00e0i ph\u1ea3i d\u1ef1a tr\u00ean s\u1ef1 c\u00e2n nh\u1eafc v\u1edbi n\u0103ng l\u1ef1c \u0111i vay, n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 v\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty v\u00ec nh\u1eefng \u0111i\u1ec1u ki\u1ec7n v\u00e0 hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn n\u0103ng l\u1ef1c th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 chi ph\u00ed t\u00e0i tr\u1ee3. T\u1ea5t nhi\u00ean, c\u00e1c bi\u1ec7n ph\u00e1p t\u00e0i tr\u1ee3 ph\u1ea3i n\u1eb1m trong khu\u00f4n kh\u1ed5 c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c v\u1ea1ch ra.\u00a0<\/p>\n

V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi nhi\u1ec7m v\u1ee5 ph\u1ed1i tr\u00ed c\u1ee7a k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i tr\u1ee3 l\u00e0 \u0111i\u1ec1u ti\u1ebft ngu\u1ed3n v\u00e0 s\u1eed d\u1ee5ng ngu\u1ed3n theo th\u1eddi gian \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 c\u00e2n \u0111\u1ed1i\u00a0v\u00e0 hi\u1ec7u qu\u1ea3. Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i nghi\u00eam tr\u1ecdng, c\u1ea7n ph\u1ea3i xem x\u00e9t l\u1ea1i c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh d\u1ef1 ki\u1ebfn tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n

T\u1ea7m quan tr\u1ecdng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh\u00a0<\/font><\/h3>\n

– \u0110\u00f3ng vai tr\u00f2 quan tr\u1ecdng, then ch\u1ed1t trong vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 ki\u1ec3m so\u00e1t c\u1ee7a c\u00e1c doanh nghi\u1ec7p<\/p>\n

– X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau v\u00e0 nh\u1eefng h\u00e0nh \u0111\u1ed9ng c\u1ea7n th\u1ef1c hi\u1ec7n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau<\/p>\n

– D\u1ec5 d\u00e0ng l\u01b0\u1ee3ng h\u00f3a c\u00e1c m\u1ee5c ti\u00eau, c\u1ee5 th\u1ec3 h\u00f3a, v\u00e0 t\u1ed5ng h\u1ee3p vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c ngu\u1ed3n l\u1ef1c<\/p>\n

– K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a to\u00e0n t\u1ed5 ch\u1ee9c v\u00e0 \u0111em l\u1ea1i cho t\u1ed5 ch\u1ee9c nhi\u1ec1u l\u1ee3i \u00edch, c\u1ee5 th\u1ec3 bao g\u1ed3m:\u00a0<\/p>\n

+ Th\u00fac \u0111\u1ea9y c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb l\u1eadp k\u1ebf ho\u1ea1ch<\/p>\n

+ Cung c\u1ea5p ngu\u1ed3n th\u00f4ng tin \u0111\u1ec3 c\u1ea3i thi\u1ec7n vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh<\/p>\n

+ Gi\u00fap \u00edch cho vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c ngu\u1ed3n l\u1ef1c v\u00e0 qu\u1ea3n l\u00ed nh\u00e2n s\u1ef1 th\u00f4ng qua vi\u1ec7c thi\u1ebft l\u1eadp ti\u00eau chu\u1ea9n \u0111\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t<\/p>\n

+ C\u1ea3i thi\u1ec7n v\u1ea5n \u0111\u1ec1 truy\u1ec1n th\u00f4ng v\u00e0 h\u1ee3p t\u00e1c<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh T\u00e0i ch\u00ednh Doanh nghi\u1ec7p,\u00a0Nguy\u1ec5n V\u0103n Sang, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc \u0110\u00f4ng \u0110\u00f4)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh (ti\u1ebfng Anh: Financial planning) l\u00e0 c\u00f4ng c\u1ee5 gi\u00fap cho ng\u01b0\u1eddi l\u00e3nh \u0111\u1ea1o, ng\u01b0\u1eddi qu\u1ea3n l\u00ed x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ea7n \u0111\u1ea1t t\u1edbi trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.\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\/29049"}],"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=29049"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29049\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}