{"id":31354,"date":"2023-12-07T10:34:10","date_gmt":"2023-12-07T10:34:10","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chung-khoan-dam-bao-bang-tai-san-asset-backed-security-abs-la-gi-nhung-dac-diem-can-luu-y.html"},"modified":"2023-12-23T08:01:32","modified_gmt":"2023-12-23T01:01:32","slug":"chung-khoan-dam-bao-bang-tai-san-asset-backed-security-abs-la-gi-nhung-dac-diem-can-luu-y","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chung-khoan-dam-bao-bang-tai-san-asset-backed-security-abs-la-gi-nhung-dac-diem-can-luu-y.html","title":{"rendered":"Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n (Asset-backed Security – ABS) l\u00e0 g\u00ec? Nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: DBS.com.sg<\/p>\n<\/div>\n<\/div>\n

Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n<\/font><\/h2>\n

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

Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n<\/b>, ti\u1ebfng Anh g\u1ecdi l\u00e0 asset-backed security<\/b>, vi\u1ebft t\u1eaft l\u00e0 ABS<\/b>.<\/p>\n

Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n<\/b> l\u00e0 m\u1ed9t d\u1ea1ng ch\u1ee9ng kho\u00e1n t\u00e0i ch\u00ednh v\u00ed d\u1ee5 nh\u01b0 tr\u00e1i phi\u1ebfu ho\u1eb7c ch\u1ee9ng phi\u1ebfu m\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi m\u1ed9t ngu\u1ed3n t\u00e0i s\u1ea3n nh\u01b0 c\u00e1c kho\u1ea3n vay, thu\u00ea, n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, ti\u1ec1n b\u1ea3n quy\u1ec1n, hay c\u00e1c kho\u1ea3n ph\u1ea3i thu. \u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0, ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 thay th\u1ebf cho tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p. N\u00f3 kh\u00e1 gi\u1ed1ng v\u1edbi ch\u1ee9ng kho\u00e1n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n tr\u1eeb vi\u1ec7c t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p.<\/p>\n

Hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n<\/font><\/h3>\n

Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n<\/b> gi\u00fap b\u00ean ph\u00e1t h\u00e0nh thu \u0111\u01b0\u1ee3c ti\u1ec1n \u0111\u1ec3 cho vay \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o \u0111a d\u1ea1ng nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n t\u1ea1o thu nh\u1eadp.<\/p>\n

Th\u01b0\u1eddng th\u00ec nh\u1eefng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o trong ch\u1ee9ng kho\u00e1n n\u00e0y kh\u00f4ng thanh l\u00ed \u0111\u01b0\u1ee3c. Tuy nhi\u00ean, vi\u1ec7c g\u1ed9p chung nh\u1eefng t\u00e0i s\u1ea3n n\u00e0y v\u1edbi nhau \u0111\u1ec3 t\u1ea1o ra m\u1ed9t d\u1ea1ng ch\u1ee9ng kho\u00e1n t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u00fap ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ch\u00fang b\u00e1n \u0111\u01b0\u1ee3c ch\u00fang. Ti\u1ebfn tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ch\u1ee9ng kho\u00e1n h\u00f3a.<\/p>\n

Nh\u1eefng t\u00e0i s\u1ea3n c\u01a1 s\u1edf c\u1ee7a d\u1ea1ng ch\u1ee9ng kho\u00e1n n\u00e0y c\u00f3 th\u1ec3 l\u00e0 kho\u1ea3n vay mua nh\u00e0, mua xe, kho\u1ea3n ph\u1ea3i thu c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng, kho\u1ea3n vay sinh vi\u00ean, ho\u1eb7c nh\u1eefng d\u1ea1ng d\u00f2ng ti\u1ec1n kh\u00e1c. Nh\u00e0 ph\u00e1t h\u00e0nh c\u00f3 th\u1ec3 t\u00f9y \u00fd s\u00e1ng t\u1ea1o theo c\u00e1ch h\u1ecd mu\u1ed1n. T\u1ea5t c\u1ea3 c\u00e1c c\u00e1ch th\u1ee9c t\u1ea1o doanh thu \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ee9ng kho\u00e1n h\u00f3a th\u00e0nh ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n<\/font><\/h3>\n

H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t c\u00f4ng ty X chuy\u00ean cung c\u1ea5p kho\u1ea3n vay mua xe. N\u1ebfu m\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u vay mua xe, c\u00f4ng ty X s\u1ebd cho h\u1ecd vay ti\u1ec1n \u0111\u1ec3 mua, v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00f3 c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i tr\u1ea3 l\u00e3i cho kho\u1ea3n vay. \u0110\u00f4i khi c\u00f4ng ty X v\u00ec cho vay qu\u00e1 nhi\u1ec1u n\u00ean h\u1ecd kh\u00f4ng c\u00f2n ti\u1ec1n m\u1eb7t \u0111\u1ec3 cho vay th\u00eam n\u1eefa. N\u00ean h\u1ecd s\u1ebd \u0111\u00f3ng g\u00f3i c\u00e1c kho\u1ea3n vay hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd l\u1ea1i v\u00e0 b\u00e1n ch\u00fang cho c\u00f4ng ty \u0111\u1ea7u t\u01b0 Y v\u00e0 nh\u1eadn l\u1ea1i ti\u1ec1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c cho vay.<\/p>\n

C\u00f4ng ty \u0111\u1ea7u t\u01b0 Y sau \u0111\u00f3 s\u1ebd ph\u00e2n lo\u1ea1i nh\u1eefng kho\u1ea3n vay h\u1ecd \u0111\u00e3 mua th\u00e0nh nh\u1eefng nh\u00f3m kh\u00e1c nhau \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 nh\u1eefng ph\u00e2n ng\u1ea1ch. Nh\u1eefng ph\u00e2n ng\u1ea1ch g\u1ed3m nh\u1eefng kho\u1ea3n vay c\u00f3 t\u00ednh ch\u1ea5t gi\u1ed1ng nhau nh\u01b0 ng\u00e0y \u0111\u00e1o h\u1ea1n, l\u00e3i su\u1ea5t, hay kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Sau \u0111\u00f3, c\u00f4ng ty \u0111\u1ea7u t\u01b0 Y s\u1ebd ph\u00e1t h\u00e0nh lo\u1ea1i ch\u1ee9ng kho\u00e1n t\u01b0\u01a1ng t\u1ef1 tr\u00e1i phi\u1ebfu cho t\u1eebng ph\u00e2n ng\u1ea1ch n\u00e0y.<\/p>\n

Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n s\u1ebd mua nh\u1eefng ch\u1ee9ng kho\u00e1n n\u00e0y v\u00e0 thu v\u1ec1 d\u00f2ng ti\u1ec1n t\u1eeb nh\u1eefng kho\u1ea3n vay mua xe \u0111\u00f3, tr\u1eeb \u0111i m\u1ed9t kho\u1ea3n ph\u00ed qu\u1ea3n l\u00ed \u0111\u01b0\u1ee3c thu b\u1edfi c\u00f4ng ty \u0111\u1ea7u t\u01b0 Y.<\/p>\n

(Theo Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n (ti\u1ebfng Anh: Asset-backed Security, vi\u1ebft t\u1eaft: ABS) l\u00e0 m\u1ed9t d\u1ea1ng ch\u1ee9ng kho\u00e1n t\u00e0i ch\u00ednh v\u00ed d\u1ee5 nh\u01b0 tr\u00e1i phi\u1ebfu ho\u1eb7c ch\u1ee9ng phi\u1ebfu m\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi m\u1ed9t ngu\u1ed3n t\u00e0i s\u1ea3n.\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\/31354"}],"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=31354"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31354\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}