{"id":29822,"date":"2023-12-07T08:42:44","date_gmt":"2023-12-07T08:42:44","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tuoi-no-binh-quan-gia-quyen-weighted-average-loan-age-wala-la-gi-dac-diem.html"},"modified":"2023-12-23T06:10:38","modified_gmt":"2023-12-22T23:10:38","slug":"tuoi-no-binh-quan-gia-quyen-weighted-average-loan-age-wala-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tuoi-no-binh-quan-gia-quyen-weighted-average-loan-age-wala-la-gi-dac-diem.html","title":{"rendered":"Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (Weighted Average Loan Age &#8211; WALA) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<h2>\n<figure class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div><figcaption class=\"PhotoCMS_Caption\">\n<p data-placeholder=\"[nh\u1eadp ch\u00fa th\u00edch]\">Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Investopedia<\/p>\n<\/figcaption><\/figure>\n<\/h2>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n<\/font><\/h2>\n<p><b>Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n<p><b>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n <\/b>trong ti\u00ea\u0301ng Anh la\u0300 <b>Weighted Average Loan Age &#8211; WALA.<\/b><\/p>\n<p><b>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA<\/b>) l\u00e0 \u0111\u1ea1i l\u01b0\u1ee3ng \u0111o tu\u1ed5i \u0111\u1eddi trung b\u00ecnh c\u1ee7a c\u00e1c kho\u1ea3n vay trong m\u1ed9t nh\u00f3m c\u00e1c ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p (MBS).<\/p>\n<p>T\u1ec9 tr\u1ecdng c\u1ee7a m\u1ed7i ch\u1ee9ng kho\u00e1n d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n ho\u00e0n tr\u1ea3 khi m\u1ed7i kho\u1ea3n vay \u0111\u00e1o h\u1ea1n tr\u00ean t\u1ed5ng c\u1ee7a c\u1ea3 nh\u00f3m, \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i ho\u1eb7c gi\u00e1 tr\u1ecb danh ngh\u0129a c\u1ee7a kho\u1ea3n vay.\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110\u1eb7c \u0111i\u1ec3m Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n\u00a0<\/font><\/h3>\n<p><b>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA)<\/b> \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0\u00a0ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p (MBS)\u00a0nh\u1eb1m \u01b0\u1edbc t\u00ednh s\u1ebd m\u1ea5t bao l\u00e2u \u0111\u1ec3 m\u1ed9t nh\u00f3m ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3.   Gi\u00e1 tr\u1ecb WALA n\u00e0y thay \u0111\u1ed5i theo th\u1eddi gian do m\u1ed9t s\u1ed1 kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c thanh to\u00e1n s\u1edbm h\u01a1n c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p kh\u00e1c.\u00a0 \u00a0<\/p>\n<p>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mua m\u1ed9t ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c kho\u1ea3n cho vay ti\u1ec1n mua nh\u00e0. M\u1ed9t MBS c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c mua v\u00e0 b\u00e1n th\u00f4ng qua m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi, m\u1ee9c \u0111\u1ea7u t\u01b0 t\u1ed1i thi\u1ec3u s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh n\u1ee3.  \u00a0\u00a0<\/p>\n<p>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA) v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p t\u00ednh th\u1eddi gian \u0111\u00e1o h\u1ea1n MBS kh\u00e1c \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u01b0\u1edbc t\u00ednh c\u1ea3 ti\u1ec1m n\u0103ng sinh l\u1ee3i c\u0169ng nh\u01b0\u00a0r\u1ee7i ro tr\u1ea3 tr\u01b0\u1edbc\u00a0m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i.\u00a0<\/p>\n<p><i>R\u1ee7i ro tr\u1ea3 tr\u01b0\u1edbc l\u00e0 r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1ed1c s\u1edbm h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c\u00a0ch\u1ee9ng kho\u00e1n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh\u00a0nh\u01b0 khi c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5p v\u1ed1n ho\u1eb7c b\u00e1n nh\u00e0, ho\u1eb7c khi kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c tr\u1ea3 h\u1ebft.\u00a0<\/i><\/p>\n<p>Khi ti\u1ec1n g\u1ed1c \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i s\u1edbm, c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i trong t\u01b0\u01a1ng lai s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 cho ph\u1ea7n ti\u1ec1n g\u1ed1c \u0111\u00f3, ngh\u0129a l\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n c\u00f3 thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh li\u00ean quan s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e3i tr\u1ea3 cho ti\u1ec1n g\u1ed1c.  \u00a0<\/p>\n<p><b>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA)<\/b> \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng c\u00e1ch nh\u00e2n gi\u00e1 tr\u1ecb danh ngh\u0129a ban \u0111\u1ea7u c\u1ee7a m\u1ed7i kho\u1ea3n th\u1ebf ch\u1ea5p ri\u00eang l\u1ebb trong nh\u00f3m MBS, v\u1edbi s\u1ed1 th\u00e1ng k\u1ec3 t\u1eeb khi kho\u1ea3n vay m\u1ed7i th\u1ebf ch\u1ea5p \u0111\u00f3 \u0111\u01b0\u1ee3c c\u1ea5p.   \u00a0  \u00a0\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n v\u00e0 Th\u1eddi gian \u0111\u00e1o h\u1ea1n b\u00ecnh qu\u00e2n gia quy\u1ec1n<\/font><\/h3>\n<p>Th\u1eddi gian \u0111\u00e1o h\u1ea1n b\u00ecnh qu\u00e2n gia quy\u1ec1n (WAM)\u00a0v\u00e0<b> tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA) <\/b>\u0111\u1ec1u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u01b0\u1edbc t\u00ednh kh\u1ea3 n\u0103ng sinh l\u00e3i khi \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p.<\/p>\n<p>Tuy nhi\u00ean, WAM l\u00e0 \u0111\u1ea1i l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i h\u01a1n v\u00ec n\u00f3 t\u00ednh th\u1eddi gian \u0111\u00e1o h\u1ea1n b\u00ecnh qu\u00e2n\u00a0c\u1ee7a nh\u00f3m ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p.\u00a0<\/p>\n<p><i>N\u00f3 \u0111o th\u1eddi gian trung b\u00ecnh c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1c ch\u1ee9ng kho\u00e1n trong danh m\u1ee5c n\u1ee3 \u0111\u00e1o h\u1ea1n, c\u00f3 t\u1ec9 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0 v\u00e0o danh m\u1ee5c \u0111\u1ea7u t\u01b0. Danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00f3 th\u1eddi gian \u0111\u00e1o h\u1ea1n b\u00ecnh qu\u00e2n gia quy\u1ec1n (WAM) cao h\u01a1n s\u1ebd nh\u1ea1y h\u01a1n v\u1edbi c\u00e1c thay \u0111\u1ed5i trong l\u00e3i su\u1ea5t.  \u00a0<\/i><\/p>\n<p>Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (WALA) ch\u00ednh l\u00e0 ngh\u1ecbch \u0111\u1ea3o c\u1ee7a WAM, WAM t\u00ednh gi\u00e1 tr\u1ecb ph\u1ea7n tr\u0103m c\u1ee7a m\u1ed7i c\u00f4ng c\u1ee5 th\u1ebf ch\u1ea5p ho\u1eb7c n\u1ee3 trong danh m\u1ee5c \u0111\u1ea7u t\u01b0.\u00a0<\/p>\n<p><i>L\u1ea5y t\u1ed5ng k\u1ebft qu\u1ea3 c\u00e1c s\u1ed1 th\u00e1ng ho\u1eb7c n\u0103m cho \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n c\u1ee7a tr\u00e1i phi\u1ebfu, nh\u00e2n v\u1edbi t\u1ec9 tr\u1ecdng c\u1ee7a n\u00f3 trong danh m\u1ee5c, s\u1ebd b\u1eb1ng th\u1eddi gian \u0111\u00e1o h\u1ea1n b\u00ecnh qu\u00e2n gia quy\u1ec1n c\u1ee7a tr\u00e1i phi\u1ebfu trong danh m\u1ee5c \u0111\u1ea7u t\u01b0.\u00a0 \u00a0<\/i><\/p>\n<p>(Theo Investopedia)<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            Tu\u1ed5i n\u1ee3 b\u00ecnh qu\u00e2n gia quy\u1ec1n (ti\u1ebfng Anh: Weighted Average Loan Age &#8211; WALA) l\u00e0 \u0111\u1ea1i l\u01b0\u1ee3ng \u0111o tu\u1ed5i \u0111\u1eddi trung b\u00ecnh c\u1ee7a c\u00e1c kho\u1ea3n vay trong m\u1ed9t nh\u00f3m c\u00e1c ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p (MBS).\n                        <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[417],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29822"}],"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=29822"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29822\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}