{"id":7623,"date":"2023-11-29T06:53:01","date_gmt":"2023-11-29T06:53:01","guid":{"rendered":"https:\/\/masterskills.org\/blog\/?p=7623"},"modified":"2023-11-29T11:53:39","modified_gmt":"2023-11-29T11:53:39","slug":"mot-phuong-cach-thu-hoi-cong-no-ma-chuc-tin-dung-hay-su-dung","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/mot-phuong-cach-thu-hoi-cong-no-ma-chuc-tin-dung-hay-su-dung.html","title":{"rendered":"M\u1ed9t s\u1ed1 ph\u01b0\u01a1ng c\u00e1ch thu h\u1ed3i c\u00f4ng n\u1ee3 m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay s\u1eed d\u1ee5ng"},"content":{"rendered":"

Cho vay l\u00e0 nghi\u1ec7p v\u1ee5 ch\u00ednh v\u00e0 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u00e0 ch\u1ee7 y\u1ebfu c\u00f3 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y do \u00e1p l\u1ef1c doanh s\u1ed1, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch \u00a0\u201cm\u1edf c\u1eeda\u201d n\u1edbi l\u1ecfng c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch cho vay v\u00e0 qu\u1ea3n l\u00fd sau cho vay. H\u1ec7 qu\u1ea3 l\u00e0 sau m\u1ed9t th\u1eddi gian nh\u1eefng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay \u1ed3 \u1ea1t ph\u1ea3i nh\u1eadn c\u00e1i gi\u00e1 qu\u00e1 \u0111\u1eafng khi ph\u00e1t sinh qu\u00e1 nhi\u1ec1u m\u00f3n n\u1ee3 qu\u00e1 h\u1ea1n, v\u1eeba kh\u00f3 \u0111\u00f2i v\u1eeba c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n.<\/p>\n

V\u1ea5n \u0111\u1ec1 tr\u1edf n\u00ean ph\u1ee9c t\u1ea1p h\u01a1n khi song h\u00e0nh v\u1edbi nhi\u1ec7m v\u1ee5 ph\u00e1t tri\u1ec3n cho vay, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i g\u00e1nh l\u00ean vai m\u1ee5c ti\u00eau thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 v\u00e0 gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng n\u1ee3 x\u1ea5u. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i thi\u1ebft l\u1eadp nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c nhau \u0111\u1ec3 thu h\u1ed3i n\u1ee3 t\u1eeb th\u1eddi \u0111i\u1ec3m ch\u01b0a qu\u00e1 h\u1ea1n \u0111\u1ebfn khi kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5. Th\u1ef1c t\u1ebf thu h\u1ed3i kh\u00f4ng h\u1ec1 d\u1ec5, nhi\u1ec1u kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh, thanh to\u00e1n n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n, \u2026 l\u00e0 nguy\u00ean nh\u00e2n khi\u1ebfn cho vi\u1ec7c thu n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng g\u1eb7p v\u00f4 v\u00e0n tr\u1eafc tr\u1edf. Cho d\u00f9 l\u00e0 nguy\u00ean nh\u00e2n kh\u00e1ch quan (thi\u00ean tai, b\u1ec7nh t\u1eadt, kh\u1ee7ng ho\u1ea3ng,\u2026) hay nguy\u00ean nh\u00e2n ch\u1ee7 quan t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng th\u00ec quan t\u00e2m c\u1ee7a Ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 m\u1ed9t \u0111\u00f3 l\u00e0: \u00a0thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 vay.<\/p>\n

\n
\"N\u1ee3<\/div>
N\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng (\u1ea2nh minh h\u1ecda)<\/figcaption><\/figure>\n

M\u1ed9t s\u1ed1 ph\u01b0\u01a1ng c\u00e1ch thu h\u1ed3i n\u1ee3 m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay s\u1eed d\u1ee5ng \u0111\u00f3 l\u00e0:<\/em><\/strong><\/p>\n

\u2013 Nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng:<\/strong>\u00a0Nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng lu\u00f4n l\u00e0 \u0111\u1ed9i ng\u0169 ti\u00ean phong trong c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3, b\u1edfi h\u1ecd l\u00e0 ng\u01b0\u1eddi ti\u1ebfp x\u00fac kh\u00e1ch h\u00e0ng ngay t\u1eeb ban \u0111\u1ea7u x\u00e1c \u0111\u1ecbnh c\u00e1c y\u1ebfu t\u1ed1 v\u1ec1 nh\u00e2n th\u00e2n, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

C\u00f4ng vi\u1ec7c ch\u00ednh c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng khi thu h\u1ed3i n\u1ee3 l\u00e0 n\u1eafm b\u1eaft t\u00ecnh h\u00ecnh, \u0111\u00f4n \u0111\u1ed1c thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3. Nh\u01b0ng khi g\u1eb7p nh\u1eefng kh\u00e1ch h\u00e0ng c\u1ed1 t\u00ecnh ch\u00e2y \u1ef3 th\u00ec \u0111\u1ed9i ng\u0169 n\u00e0y c\u0169ng ch\u1ec9 bi\u1ebft ghi nh\u1eadn t\u00ecnh h\u00ecnh v\u00e0 v\u1ec1 b\u00e1o c\u00e1o xin \u00fd ki\u1ebfn ch\u1ec9 \u0111\u1ea1o t\u1eeb c\u1ea5p tr\u00ean.<\/p>\n

M\u1ed9t nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u00f3 g\u1ea7n 10 n\u0103m kinh nghi\u1ec7m l\u00e0m ng\u00e2n h\u00e0ng cho hay: N\u0103m 2016 anh cho m\u1ed9t kh\u00e1ch h\u00e0ng vay v\u00e0 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n b\u1eb1ng kho h\u00e0ng s\u1eefa Vinamilk, t\u1ed5ng gi\u00e1 tr\u1ecb kho\u1ea3n vay l\u00e0 5 t\u1ef7 \u0111\u1ed3ng tr\u00ean 8 t\u1ef7 \u0111\u1ed3ng t\u00e0i s\u1ea3n (h\u00e0ng h\u00f3a), sau kho\u1ea3ng 3 th\u00e1ng cho vay, nh\u1eadn th\u1ea5y d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng t\u1eeb t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng, nhi\u1ec1u l\u1ea7n \u0111\u00f4n \u0111\u1ed1c kh\u00e1ch tr\u1ea3 n\u1ee3 nh\u01b0ng kh\u00e1ch h\u00e0ng t\u1eeb cam k\u1ebft \u0111\u1ebfn ch\u00e2y \u1ef3. T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m qu\u1ea3n l\u00fd theo ph\u01b0\u01a1ng th\u1ee9c \u201ch\u00e0ng t\u1ed3n kho lu\u00e2n chuy\u1ec3n\u201d th\u01b0\u1eddng xuy\u00ean bi\u1ebfn \u0111\u1ed9ng khi\u1ebfn nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng n\u00e0y \u0103n ng\u1ee7 kh\u00f4ng y\u00ean. Sau 4 th\u00e1ng \u0111\u00f4n \u0111\u1ed1c nh\u1eafc nh\u1edf kh\u00f4ng th\u00e0nh, k\u00e8m theo vi\u1ec7c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m d\u1ea7n d\u1ea7n b\u1ed1c h\u01a1i theo ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00fd l\u1ecfng l\u1ebbo t\u1eeb ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng b\u1ecf tr\u1ed1n, nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng n\u00e0y ch\u1ec9 c\u00f2n bi\u1ebft than tr\u1eddi gi\u1ea3i tr\u00ecnh v\u1edbi l\u00e3nh \u0111\u1ea1o v\u00e0 l\u1eadp ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd n\u1ee3 (m\u1eb7c d\u00f9 l\u00fac n\u00e0y t\u1ef1 b\u1ea3n th\u00e2n bi\u1ebft \u0111\u1ec3 thu h\u1ed3i n\u1ee3 kh\u00f3 nh\u01b0 \u0111i l\u00ean tr\u1eddi).<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ed9i ng\u0169 ti\u00ean phong n\u00e0y l\u1ea1i lu\u00f4n bi\u1ebfn \u0111\u1ed9ng do \u0111\u1eb7c th\u00f9 c\u00f4ng vi\u1ec7c ph\u1ea3i ch\u1ecbu \u00e1p l\u1ef1c KPIs r\u1ea5t cao, r\u1ee7i ro ngh\u1ec1 nghi\u1ec7p kh\u00f4ng \u00edt d\u1eabn \u0111\u1ebfn m\u1ed9t l\u01b0\u1ee3ng l\u1edbn nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng th\u01b0\u1eddng xuy\u00ean nh\u1ea3y vi\u1ec7c. H\u1ec7 qu\u1ea3 sau khi nh\u1ea3y vi\u1ec7c l\u00e0 nh\u1eefng kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ec3 l\u1ea1i cho ng\u01b0\u1eddi m\u1edbi ti\u1ebfp nh\u1eadn, do kh\u00f4ng n\u1eafm \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng, nh\u00e2n vi\u00ean m\u1edbi kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 h\u1ed3 s\u01a1 t\u1eeb ng\u01b0\u1eddi c\u0169. Ch\u00ednh v\u00ec v\u1eady, kh\u1ea3 n\u0103ng x\u1eed l\u00fd kho\u1ea3n n\u1ee3 th\u01b0\u1eddng kh\u00f4ng c\u00f3 k\u1ebft qu\u1ea3 mong mu\u1ed1n v\u00e0 k\u00e9o d\u00e0i g\u00e2y t\u1ed5n th\u1ea5t cho ng\u00e2n h\u00e0ng.<\/p>\n

\u2013\u00a0Kh\u1edfi ki\u1ec7n\u00a0ra t\u00f2a \u00e1n:<\/strong>\u00a0Khi \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p n\u00e0y th\u00ec c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh Ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f3 c\u00f3 th\u1ec3 n\u00f3i chuy\u1ec7n \u0111\u01b0\u1ee3c v\u1edbi nhau, Ng\u00e2n h\u00e0ng quy\u1ebft li\u1ec7t, kh\u00e1ch h\u00e0ng th\u00ec ch\u00e2y \u1ef3, c\u1ed1 t\u00ecnh kh\u00f4ng h\u1ee3p t\u00e1c. Ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n \u0111\u1ec3 c\u00f3 c\u0103n c\u1ee9 x\u1eed l\u00fd t\u00e0i s\u1ea3n.<\/p>\n

Tuy nhi\u00ean, bi\u1ec7n ph\u00e1p n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng v\u00e0 \u00e1p dung hi\u1ec7u qu\u1ea3 \u0111\u01b0\u1ee3c \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf, kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. V\u00ed d\u1ee5, m\u1ed9t kh\u00e1ch h\u00e0ng t\u1ea1i huy\u1ec7n \u1ee8ng H\u00f2a, H\u00e0 N\u1ed9i vay kho\u1ea3n vay t\u00edn ch\u1ea5p 30 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i chi nh\u00e1nh m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i qu\u1eadn Hai B\u00e0 Tr\u01b0ng H\u00e0 N\u1ed9i. Sau m\u1ed9t th\u1eddi gian vay kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 \u0111\u00e3 b\u1ecf \u0111i n\u01a1i kh\u00e1c sinh s\u1ed1ng. nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng li\u00ean t\u1ee5c th\u00f4ng b\u00e1o, \u00a0xu\u1ed1ng \u0111\u1ecba b\u00e0n th\u0103m d\u00f2 tin t\u1ee9c nh\u01b0ng kh\u00f4ng hi\u1ec7u qu\u1ea3, g\u1eb7p trao \u0111\u1ed5i v\u1edbi ng\u01b0\u1eddi nh\u00e0 kh\u00e1ch h\u00e0ng th\u00ec ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1i l\u1eafc \u0111\u1ea7u n\u00e9 tr\u00e1nh tr\u00e1ch nhi\u1ec7m. Theo quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n kh\u00e1ch h\u00e0ng ra t\u00f2a \u00e1n \u0111\u1ec3 y\u00eau c\u1ea7u tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, v\u1edbi kho\u1ea3n n\u1ee3 30 tri\u1ec7u c\u1ed9ng th\u00eam ch\u00fat l\u00e3i qu\u00e1 h\u1ea1n, ng\u00e2n h\u00e0ng ph\u1ea3i c\u00e2n nh\u1eafc r\u1ea5t nhi\u1ec1u chi ph\u00ed h\u1ea7u t\u00f2a nh\u01b0: t\u1ea1m \u1ee9ng \u00e1n ph\u00ed, chi ph\u00ed x\u00e1c minh thu th\u1eadp t\u00e0i li\u1ec7u v\u1ec1 n\u01a1i c\u01b0 tr\u00fa c\u1ee7a kh\u00e1ch h\u00e0ng (m\u1eb7c d\u00f9 lu\u1eadt \u0111\u00e3 m\u1edf h\u01a1n v\u1ec1 n\u1ed9i dung n\u00e0y nh\u01b0ng th\u1ef1c ti\u1ec5n cho th\u1ea5y m\u1ed9t s\u1ed1 t\u00f2a \u00e1n v\u1eabn g\u00e2y kh\u00f3 kh\u0103n khi kh\u00f4ng gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u kh\u1edfi ki\u1ec7n) v\u00e0 c\u00f2n v\u00f4 v\u00e0n c\u00e1c chi ph\u00ed kh\u00e1c khi b\u01b0\u1edbc \u0111\u1ebfn c\u1eeda t\u00f2a\u2026. Gi\u1ea3 \u0111\u1ecbnhh Ng\u00e2n h\u00e0ng th\u1eafng ki\u1ec7n th\u00ec c\u00f4ng t\u00e1c\u00a0thi h\u00e0nh \u00e1n\u00a0l\u00e0 c\u1ea3 m\u1ed9t ch\u1eb7ng \u0111\u01b0\u1eddng gian nan m\u00e0 ng\u01b0\u1eddi l\u00e0m trong ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng\/ nh\u00e2n vi\u00ean x\u1eed l\u00fd n\u1ee3 c\u1ea3m th\u1ea5y ng\u00e1n ng\u1ea9m.<\/p>\n

\u2013 B\u00e1n n\u1ee3 cho VAMC:\u00a0<\/strong>C\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u01b0\u1edfng ch\u1eebng nh\u01b0 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f3 \u0111\u00f2i s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n h\u1ebft cho c\u00f4ng ty n\u00e0y x\u1eed l\u00fd, nh\u01b0ng kh\u00f4ng ph\u1ea3i m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u c\u00f3 th\u1ec3 chuy\u1ec3n giao sang cho VAMC x\u1eed l\u00fd. Th\u1ef1c ti\u1ec5n cho th\u1ea5y B\u00e1n n\u1ee3 cho VAMC kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u00e2n h\u00e0ng ch\u1ed1i b\u1ecf ho\u00e0n to\u00e0n tr\u00e1ch nhi\u1ec7m. Ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i ti\u1ebfp t\u1ee5c c\u00f9ng v\u1edbi VAMC tham gia qu\u00e1 tr\u00ecnh \u0111\u1ed1c th\u00fac thu h\u1ed3i n\u1ee3. Do \u0111\u00f3, nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p th\u01b0\u1eddng kh\u00f4ng \u01b0a th\u00edch vi\u1ec7c b\u00e1n n\u1ee3 cho VAMC.<\/p>\n

\u2013\u00a0M\u1ed9t ph\u01b0\u01a1ng th\u1ee9c thu h\u1ed3i n\u1ee3 m\u1edbi<\/strong>\u00a0m\u00e0 hi\u1ec7n nay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang \u00e1p d\u1ee5ng \u0111\u00f3 l\u00e0 thu\u00ea d\u1ecbch v\u1ee5 thu h\u1ed3i n\u1ee3 b\u00ean ngo\u00e0i. Trong \u0111\u00f3, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thu h\u1ed3i n\u1ee3 hi\u1ec7u qu\u1ea3 ph\u1ea3i n\u00f3i \u0111\u1ebfn d\u1ecbch v\u1ee5 thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c C\u00f4ng ty lu\u1eadt\/ V\u0103n ph\u00f2ng lu\u1eadt s\u01b0 (VPLS).<\/p>\n

VPLS n\u01a1i quy t\u1ee5 nh\u1eefng lu\u1eadt s\u01b0, chuy\u00ean vi\u00ean ph\u00e1p l\u00fd c\u00f3 n\u1ec1n t\u1ea3ng ki\u1ebfn th\u1ee9c ph\u00e1p lu\u1eadt v\u1eefng ch\u0103c, kinh nghi\u1ec7m trong\u00a0gi\u1ea3i quy\u1ebft tranh ch\u1ea5p. \u0110\u1ec3 gi\u1ea3i quy\u1ebft c\u00f4ng vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u1ea5u t\u00ecnh \u0111\u1ea1t l\u00fd c\u00e1c lu\u1eadt s\u01b0, chuy\u00ean vi\u00ean lu\u00f4n lu\u00f4n linh ho\u1ea1t v\u1eeba \u00e1p d\u1ee5ng ki\u1ebfn th\u1ee9c, v\u1eeba pha tr\u1ed9n k\u0129 n\u0103ng v\u1eeba thuy\u1ebft ph\u1ee5c, \u0111\u1ed9ng vi\u00ean, v\u1eeba c\u1ee9ng r\u1eafn, quy\u1ebft li\u1ec7t.<\/p>\n

V\u1edbi \u0111\u1eb7c th\u00f9 ngh\u1ec1 nghi\u1ec7p, VPLS tham gia \u0111\u01b0\u1ee3c nhi\u1ec1u giai \u0111o\u1ea1n c\u1ee7a qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 nh\u01b0: \u0111\u00f4n \u0111\u1ed1c, nh\u1eafc nh\u1edf, kh\u1edfi ki\u1ec7n, thi h\u00e0nh \u00e1n\u2026.,kh\u00f4ng ch\u1ec9 gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng cho nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng m\u00e0 c\u00f2n \u0111em l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1t cho \u0111\u1ed1i t\u00e1c.<\/p>\n","protected":false},"excerpt":{"rendered":"

Cho vay l\u00e0 nghi\u1ec7p v\u1ee5 ch\u00ednh v\u00e0 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u00e0 ch\u1ee7 y\u1ebfu c\u00f3 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y do \u00e1p l\u1ef1c doanh s\u1ed1, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch \u00a0\u201cm\u1edf c\u1eeda\u201d n\u1edbi l\u1ecfng c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[196,233],"tags":[359],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/7623"}],"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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=7623"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/7623\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=7623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=7623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=7623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}