{"id":31495,"date":"2023-12-07T10:41:10","date_gmt":"2023-12-07T10:41:10","guid":{"rendered":"https:\/\/masterskills.org\/blog\/xep-hang-tin-dung-credit-rating-la-gi-dac-trung-va-y-nghia.html"},"modified":"2023-12-23T08:17:42","modified_gmt":"2023-12-23T01:17:42","slug":"xep-hang-tin-dung-credit-rating-la-gi-dac-trung-va-y-nghia","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/xep-hang-tin-dung-credit-rating-la-gi-dac-trung-va-y-nghia.html","title":{"rendered":"X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng (Credit Rating) l\u00e0 g\u00ec? \u0110\u1eb7c tr\u01b0ng v\u00e0 \u00fd ngh\u0129a"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: CABA<\/p>\n<\/div>\n<\/div>\n

X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng (Credit Rating)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/b>\u00a0hay x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m<\/b> trong ti\u1ebfng Anh l\u00e0 Credit Rating<\/b>.\u00a0<\/p>\n

X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/i> l\u00e0 m\u1ed9t \u0111\u00e1nh gi\u00e1 \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1ec1\u00a0\u0111\u1ed9 tin c\u1eady\u00a0c\u1ee7a ng\u01b0\u1eddi vay v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n chung ho\u1eb7c li\u00ean quan \u0111\u1ebfn m\u1ed9t kho\u1ea3n n\u1ee3 ho\u1eb7c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3.\u00a0<\/p>\n

X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh cho b\u1ea5t k\u00ec<\/span> t\u1ed5 ch\u1ee9c n\u00e0o t\u00ecm c\u00e1ch vay ti\u1ec1n c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n, c\u00f4ng ty, Nh\u00e0 n\u01b0\u1edbc hay Ch\u00ednh ph\u1ee7 qu\u1ed1c gia.<\/p>\n

\u0110\u1eb7c tr\u01b0ng<\/font><\/h3>\n

– T\u00edn d\u1ee5ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c ch\u1ea5m \u0111i\u1ec3m t\u1eeb c\u00e1c v\u0103n ph\u00f2ng t\u00edn d\u1ee5ng nh\u01b0 Experian v\u00e0 TransUnion theo thang s\u1ed1 ba ch\u1eef s\u1ed1 b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c\u00a0ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng\u00a0Fair Isaac (FICO).<\/p>\n

– \u0110\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng cho c\u00e1c c\u00f4ng ty v\u00e0 Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c c\u01a1 quan x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng nh\u01b0\u00a0Standard & Poor (S & P), Moody’s ho\u1eb7c Fitch.\u00a0C\u00e1c c\u01a1 quan x\u1ebfp h\u1ea1ng n\u00e0y \u0111\u01b0\u1ee3c thanh to\u00e1n b\u1edfi c\u00e1c \u0111\u01a1n v\u1ecb \u0111ang t\u00ecm ki\u1ebfm x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng cho ch\u00ednh m\u00ecnh ho\u1eb7c cho m\u1ed9t trong c\u00e1c v\u1ea5n \u0111\u1ec1 n\u1ee3 c\u1ee7a h\u1ecd.<\/p>\n

\u00dd ngh\u0129a c\u1ee7a x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/font><\/h3>\n

– X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/i> ng\u01b0\u1eddi vay d\u1ef1a tr\u00ean ho\u1ea1t \u0111\u1ed9ng r\u00e0 so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c c\u01a1 quan x\u1ebfp h\u1ea1ng.\u00a0M\u1eb7c d\u00f9 m\u1ed9t ch\u1ee7 th\u1ec3 \u0111i vay s\u1ebd c\u1ed1 g\u1eafng \u0111\u1ec3 c\u00f3 x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng cao nh\u1ea5t c\u00f3 th\u1ec3 v\u00ec n\u00f3 c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn l\u00e3i su\u1ea5t m\u00e0 ng\u01b0\u1eddi \u0111i vay ph\u1ea3i tr\u1ea3, c\u00e1c c\u01a1 quan x\u1ebfp h\u1ea1ng ph\u1ea3i c\u00f3 c\u00e1i nh\u00ecn c\u00e2n b\u1eb1ng v\u00e0 kh\u00e1ch quan v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n

– X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/i> kh\u00f4ng ch\u1ec9 x\u00e1c \u0111\u1ecbnh li\u1ec7u ng\u01b0\u1eddi \u0111i vay c\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cho vay hay kh\u00f4ng m\u00e0 c\u00f2n x\u00e1c \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t vay s\u1ebd c\u1ea7n ph\u1ea3i tr\u1ea3.\u00a0V\u00ec c\u00e1c c\u00f4ng ty ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c kho\u1ea3n vay cho c\u00e1c chi ph\u00ed kh\u1edfi nghi\u1ec7p v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c, vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i kho\u1ea3n vay c\u00f3 th\u1ec3 g\u00e2y ra th\u1ea3m h\u1ecda, v\u00e0 l\u00e3i su\u1ea5t cao s\u1ebd kh\u00f3 \u0111\u1ec3 h\u01a1n nhi\u1ec1u.\u00a0<\/p>\n<\/p>\n

– X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng <\/i>c\u0169ng \u0111\u00f3ng m\u1ed9t vai tr\u00f2 l\u1edbn trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh xem c\u00f3 n\u00ean mua tr\u00e1i phi\u1ebfu hay kh\u00f4ng.\u00a0X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng k\u00e9m l\u00e0 d\u1ea5u hi\u1ec7u cho th\u1ea5y m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 r\u1ee7i ro, kh\u1ea3 n\u0103ng l\u1edbn l\u00e0 c\u00f4ng ty ph\u00e1t h\u00e0nh s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n thanh to\u00e1n tr\u00e1i phi\u1ebfu.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Credit Rating, Investopedia)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n X\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng (ti\u1ebfng Anh: Credit Rating) l\u00e0 m\u1ed9t \u0111\u00e1nh gi\u00e1 \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1ec1 \u0111\u1ed9 tin c\u1eady c\u1ee7a ng\u01b0\u1eddi vay v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n chung ho\u1eb7c li\u00ean quan \u0111\u1ebfn m\u1ed9t kho\u1ea3n n\u1ee3 ho\u1eb7c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3.\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\/31495"}],"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=31495"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31495\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}