{"id":30906,"date":"2023-12-07T10:00:10","date_gmt":"2023-12-07T10:00:10","guid":{"rendered":"https:\/\/masterskills.org\/blog\/diem-co-ban-basis-points-bps-la-gi-nhung-dieu-can-luu-y.html"},"modified":"2023-12-23T07:23:44","modified_gmt":"2023-12-23T00:23:44","slug":"diem-co-ban-basis-points-bps-la-gi-nhung-dieu-can-luu-y","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/diem-co-ban-basis-points-bps-la-gi-nhung-dieu-can-luu-y.html","title":{"rendered":"\u0110i\u1ec3m c\u01a1 b\u1ea3n (Basis Points &#8211; BPS) l\u00e0 g\u00ec? Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<div class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div>\n<div class=\"PhotoCMS_Caption\">\n<p>H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: Chicagobooth.edu<\/p>\n<\/div>\n<\/div>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">\u0110i\u1ec3m c\u01a1 b\u1ea3n<\/font><\/h2>\n<p><b>Kh\u00e1i ni\u1ec7m<\/b><\/p>\n<p><b>\u0110i\u1ec3m c\u01a1 b\u1ea3n<\/b>, ti\u1ebfng Anh g\u1ecdi l\u00e0 <b>basis points<\/b>, vi\u1ebft t\u1eaft l\u00e0 <b>BPS<\/b>.<\/p>\n<p><b>\u0110i\u1ec3m c\u01a1 b\u1ea3n<\/b> l\u00e0 m\u1ed9t \u0111\u01a1n v\u1ecb \u0111o l\u01b0\u1eddng ph\u1ed5 bi\u1ebfn c\u1ee7a l\u00e3i su\u1ea5t v\u00e0 nh\u1eefng t\u1ec9 l\u1ec7 kh\u00e1c trong t\u00e0i ch\u00ednh. M\u1ed9t \u0111i\u1ec3m c\u01a1 b\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1\/100 c\u1ee7a 1%, hay 0,01% ho\u1eb7c 0,0001 v\u00e0 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 k\u00ed hi\u1ec7u ph\u1ea7m tr\u0103m thay \u0111\u1ed5i trong m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh. M\u1ed1i quan h\u1ec7 gi\u1eefa ph\u1ea7n tr\u0103m thay \u0111\u1ed5i v\u00e0 \u0111i\u1ec3m c\u01a1 b\u1ea3n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00f3m t\u1eaft nh\u01b0 sau: 1% thay \u0111\u1ed5i = 100 \u0111i\u1ec3m c\u01a1 b\u1ea3n v\u00e0 0,01% = 1 \u0111i\u1ec3m c\u01a1 b\u1ea3n.<\/p>\n<p><b>\u0110i\u1ec3m c\u01a1 b\u1ea3n<\/b> c\u00f2n \u0111\u01b0\u1ee3c vi\u1ebft t\u1eaft l\u00e0 &#8220;bp&#8221;, &#8220;bps&#8221; hay &#8220;bips&#8221;.<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 \u0111i\u1ec3m c\u01a1 b\u1ea3n<\/font><\/h3>\n<p>Kh\u00e1i ni\u1ec7m &#8220;c\u01a1 b\u1ea3n&#8221; trong \u0111i\u1ec3m c\u01a1 b\u1ea3n l\u00e0 s\u1ef1 thay \u0111\u1ed5i gi\u1eefa hai t\u1ec9 l\u1ec7 ph\u1ea7n tr\u0103m hay s\u1ef1 ch\u00eanh l\u1ec7ch c\u1ee7a hai l\u00e3i su\u1ea5t. B\u1edfi v\u00ec tuy nh\u1eefng s\u1ef1 thay \u0111\u1ed5i \u0111\u01b0\u1ee3c ghi nh\u1eadn th\u01b0\u1eddng r\u1ea5t nh\u1ecf, nh\u01b0ng m\u1ed9t thay \u0111\u1ed5i nh\u1ecf c\u0169ng c\u00f3 th\u1ec3 g\u00e2y n\u00ean \u1ea3nh h\u01b0\u1edfng l\u1edbn, n\u00ean c\u01a1 b\u1ea3n ngh\u0129a l\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf c\u1ee7a m\u1ed9t ph\u1ea7n tr\u0103m.<\/p>\n<p><b>\u0110i\u1ec3m c\u01a1 b\u1ea3n<\/b>\u00a0\u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 t\u00ednh to\u00e1n s\u1ef1 thay \u0111\u1ed5i trong l\u00e3i su\u1ea5t, c\u00e1c ch\u1ec9 s\u1ed1, hay l\u1ee3i nhu\u1eadn t\u1eeb m\u1ed9t ch\u1ee9ng kho\u00e1n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh. Tr\u00e1i phi\u1ebfu v\u00e0 kho\u1ea3n vay c\u0169ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c ghi b\u1eb1ng \u0111i\u1ec3m c\u01a1 b\u1ea3n. V\u00ed d\u1ee5, c\u00f3 th\u1ec3 n\u00f3i l\u00e0 l\u00e3i su\u1ea5t t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y cao h\u01a1n l\u00e3i su\u1ea5t li\u00ean ng\u00e2n h\u00e0ng 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n. L\u00e3i su\u1ea5t m\u1ed9t tr\u00e1i phi\u1ebfu t\u0103ng t\u1eeb 5% l\u00ean 5,5% \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 t\u0103ng 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n. Hay l\u00e3i su\u1ea5t t\u0103ng 1% c\u00f3 th\u1ec3 n\u00f3i l\u00e0 t\u0103ng 100 \u0111i\u1ec3m c\u01a1 b\u1ea3n.<\/p>\n<p>Vi\u1ec7c d\u00f9ng <b>\u0111i\u1ec3m c\u01a1 b\u1ea3n<\/b> trong giao ti\u1ebfp c\u0169ng gi\u00fap nh\u1eefng nh\u00e0 giao d\u1ecbch tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng \u0111a ngh\u0129a khi n\u00f3i v\u1ec1 \u0111\u1ed9 thay \u0111\u1ed5i trong t\u1ec9 l\u1ec7 ph\u1ea7n tr\u0103m. V\u00ed d\u1ee5 m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh c\u00f3 l\u00e3i su\u1ea5t 10% v\u00e0 l\u00e3i su\u1ea5t \u0111\u00f3 v\u1eeba m\u1edbi t\u0103ng th\u00eam 10% th\u00ec c\u00f3 th\u1ec3 hi\u1ec3u l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i \u0111ang l\u00e0 11% ( = 0,1 + 10% x 0,1) ho\u1eb7c 20% ( = 10% + 10%). \u00dd c\u1ee7a c\u00e2u tr\u00ean kh\u00f4ng r\u00f5 r\u00e0ng. Nh\u01b0ng n\u1ebfu s\u1eed d\u1ee5ng \u0111i\u1ec3m c\u01a1 b\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec m\u1ecdi th\u1ee9 s\u1ebd r\u00f5 r\u00e0ng h\u01a1n: N\u1ebfu c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh \u0111\u00f3 t\u0103ng 100 \u0111i\u1ec3m c\u01a1 b\u1ea3n th\u00ec n\u00f3 s\u1ebd l\u00e0 11%. K\u1ebft qu\u1ea3 20% s\u1ebd x\u1ea3y ra khi n\u00f3 t\u0103ng 1000 \u0111i\u1ec3m c\u01a1 b\u1ea3n.<\/p>\n<p>(Theo <i>Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            \u0110i\u1ec3m c\u01a1 b\u1ea3n (ti\u1ebfng Anh: Basis points, vi\u1ebft t\u1eaft: BPS) l\u00e0 m\u1ed9t \u0111\u01a1n v\u1ecb \u0111o l\u01b0\u1eddng ph\u1ed5 bi\u1ebfn c\u1ee7a l\u00e3i su\u1ea5t v\u00e0 nh\u1eefng t\u1ec9 l\u1ec7 kh\u00e1c trong t\u00e0i ch\u00ednh.\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\/30906"}],"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=30906"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30906\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}