{"id":1709,"date":"2024-03-15T16:26:25","date_gmt":"2024-03-15T09:26:25","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=1709"},"modified":"2024-03-15T20:11:18","modified_gmt":"2024-03-15T13:11:18","slug":"vay-tin-chap-giai-phap-giai-quyet-van-de-kinh-te-cho-doanh-nghiep-sme-trong-mua-dich","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/vay-tin-chap-giai-phap-giai-quyet-van-de-kinh-te-cho-doanh-nghiep-sme-trong-mua-dich\/","title":{"rendered":"Vay V\u1ed1n T\u00edn Ch\u1ea5p – Gi\u1ea3i Ph\u00e1p Gi\u1ea3i Quy\u1ebft V\u1ea5n \u0110\u1ec1 Kinh T\u1ebf Cho Doanh Nghi\u1ec7p SME Trong M\u00f9a D\u1ecbch"},"content":{"rendered":"

H\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p c\u00f3 quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf \u0111\u1ec1u \u0111ang ph\u1ea3i ch\u1ecbu t\u1ed5n th\u1ea5t do t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i. Tuy nhi\u00ean, n\u1ebfu bi\u1ebft c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng<\/a>. \u0110\u00e2y s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t \u0111\u1ec3 nh\u1eefng doanh nghi\u1ec7p n\u00e0y gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng kh\u00f3 kh\u0103n v\u1ec1 ngu\u1ed3n v\u1ed1n l\u01b0u \u0111\u1ed9ng trong th\u1eddi \u0111i\u1ec3m d\u1ecbch b\u1ec7nh ph\u1ee9c t\u1ea1p.<\/span><\/em><\/p>\n

\"vay<\/p>\n

L\u00e0 ch\u1ee7 c\u1ee7a m\u1ed9t c\u1eeda h\u00e0ng \u0111\u1ed3 th\u1ee7 c\u00f4ng m\u1ef9 ngh\u1ec7 t\u1ea1i B\u1eafc Ninh. Ch\u1ecb H\u1ea3i Minh chia s\u1ebb, sau h\u01a1n 3 n\u0103m ho\u1ea1t \u0111\u1ed9ng v\u00e0 ph\u00e1t tri\u1ec3n, x\u01b0\u1edfng ho\u1ea1t \u0111\u1ed9ng \u1ed5n t\u1ed1t v\u00e0 cho doanh thu \u1ed5n \u0111\u1ecbnh, Ch\u1ecb c\u0169ng c\u00f3 k\u1ebf ho\u1ea1ch m\u1edf th\u00eam x\u01b0\u1edfng \u0111\u1ec3 gia c\u00f4ng v\u00e0 s\u1ea3n xu\u1ea5t \u0111\u1ed3 g\u1ed7. Tuy nhi\u00ean, c\u00f9ng chung kh\u00f3 kh\u0103n v\u1edbi nhi\u1ec1u c\u01a1 s\u1edf kinh doanh \u0111i l\u00ean t\u1eeb h\u1ed9 kinh doanh nh\u1ecf l\u1ebb, v\u1ed1n lu\u00f4n l\u00e0 v\u1ea5n \u0111\u1ec1 khi\u1ebfn ch\u1ecb ph\u1ea3i suy ngh\u0129, b\u0103n kho\u0103n.<\/span><\/p>\n

Ch\u1ecb cho bi\u1ebft, v\u1eeba th\u00e0nh tr\u01b0\u1edbc c\u00f4ng ty c\u1ee7a m\u00ecnh v\u1eeba nh\u1eadp kh\u1ea9u l\u00f4 thi\u1ebft b\u1ecb, m\u00e1y m\u00f3c s\u1ea3n xu\u1ea5t hi\u1ec7n \u0111\u1ea1i v\u1edbi gi\u00e1 \u0111\u1ebfn 2 t\u1ef7 \u0111\u1ed3ng. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 ti\u1ec1n \u0111\u1ec3 chi tr\u1ea3 cho \u0111\u01a1n v\u1ecb b\u00e1n h\u00e0ng l\u00e0 v\u01b0\u1edbng m\u1eafc l\u1edbn m\u00e0 c\u00f4ng ty ch\u1ecb ph\u1ea3i ch\u1ecbu. Ch\u01b0a k\u1ec3 \u0111\u1ebfn vi\u1ec7c t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh \u0111ang di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p khi\u1ebfn h\u00e0ng b\u1ecb k\u1eb9t l\u1ea1i t\u1ea1i bi\u00ean gi\u1edbi. \u0110i\u1ec1u n\u00e0y c\u0169ng khi\u1ebfn cho chi ph\u00ed b\u1ecb d\u1ed9i l\u00ean \u0111\u00e1ng k\u1ec3.<\/span><\/p>\n

Th\u1eddi \u0111i\u1ec3m tr\u01b0\u1edbc d\u1ecbch, \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u01a1n v\u1ecb nh\u1eadp h\u00e0ng c\u1ea7n ph\u1ea3i thanh to\u00e1n g\u1ea5p, ch\u1ecb s\u1ebd vay m\u01b0\u1ee3n trong gia \u0111\u00ecnh \u0111\u1ec3 chi tr\u1ea3. Tuy nhi\u00ean, t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh k\u00e9o d\u00e0i, h\u00e0ng h\u00f3a b\u1ecb m\u1eafc k\u1eb9t khi\u1ebfn chi ph\u00ed b\u1ecb \u0111\u1ed9i l\u00ean cao h\u01a1n b\u00ecnh th\u01b0\u1eddng g\u00e2y nhi\u1ec1u kh\u00f3 kh\u0103n.\u00a0<\/span><\/p>\n

Tuy nhi\u00ean, sau khi ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p t\u1ea1i VPBank<\/a>, v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft. Ch\u1ecb \u0111\u00e3 d\u00e0nh th\u1eddi gian \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c lo\u1ea1i h\u1ed3 s\u01a1 \u0111\u1ec3 n\u1ed9p cho ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t kho\u1ea3n vay. Kho\u1ea3n vay n\u00e0y \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 gi\u1ea3i ng\u00e2n online \u0111\u1ec3 thu\u1eadn ti\u1ec7n chi tr\u1ea3 ti\u1ec1n cho \u0111\u1ed1i t\u00e1c.<\/span><\/p>\n

\"vay<\/p>\n

\u201cN\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n vay t\u00edn ch\u1ea5p \u0111\u00f3, t\u00f4i \u0111\u00e3 b\u1ecf ph\u00ed m\u1ea5t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 nh\u00e0 x\u01b0\u1edfng. Trong th\u1eddi bu\u1ed5i d\u1ecbch d\u00e3 th\u1ebf n\u00e0y, vi\u1ec7c m\u1edf r\u1ed9ng kinh doanh \u0111\u00e3 kh\u00f3 m\u00e0 ki\u1ebfm ngu\u1ed3n v\u1ed1n nhanh ch\u00f3ng l\u1ea1i c\u00e0ng kh\u00f3 h\u01a1n. L\u00e0m sao v\u00e0i ng\u00e0y \u0111\u00e3 c\u00f3 h\u1eb3n 1 t\u1ef7 \u0111\u1ec3 thanh to\u00e1n cho b\u1ea1n h\u00e0ng. Th\u1eadt may m\u1eafn m\u1ecdi th\u1ee9 \u0111\u00e3 hanh th\u00f4ng\u201d – ch\u1ecb H\u1ea3i Minh chia s\u1ebb.<\/span><\/p>\n

Vi\u1ec7c c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf b\u1ecb thi\u1ebfu h\u1ee5t v\u1ed1n trong th\u1eddi gian n\u00e0y kh\u00f4ng h\u1ec1 \u00edt. \u1ede giai \u0111o\u1ea1n tr\u01b0\u1edbc, vi\u1ec7c ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c ngu\u1ed3n v\u1ed1n vay c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1 kh\u00f3 kh\u0103n n\u1ebfu kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o.<\/span><\/p>\n

Tuy nhi\u00ean \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, c\u00e1c g\u00f3i vay t\u00edn ch\u1ea5p t\u1eeb ng\u00e2n h\u00e0ng \u0111\u00e3 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n r\u1ea5t nhi\u1ec1u. \u0110\u1ec3 \u0111\u01b0\u1ee3c vay ti\u1ec1n, s\u1ed1 v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a c\u00e1c doanh nghi\u1ec7p kinh doanh n\u00e0y t\u1ed1i thi\u1ec3u ph\u1ea3i \u0111\u1ea1t 20 – 30 % nhu c\u1ea7u v\u1ed1n c\u1ea7n vay.\u00a0<\/span><\/p>\n

Tuy v\u1eady, nh\u01b0ng kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay ti\u1ec1n.<\/span><\/p>\n

\u0110\u1ea1i di\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng VPBank cho bi\u1ebft. Hi\u1ec7n t\u1ea1i c\u00e1c g\u00f3i vay t\u00edn ch\u1ea5p m\u00e3 ng\u00e2n h\u00e0ng cung c\u1ea5p \u0111\u01b0\u1ee3c xem l\u00e0 t\u1ed1t nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c SME<\/a> hi\u1ec7n nay b\u1edfi \u01b0u \u0111i\u1ec3m kh\u00f4ng c\u1ea7n c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c vay c\u0169ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111a d\u1ea1ng h\u00f3a nh\u1eb1m gi\u00fap nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi g\u00f3i vay.<\/span><\/p>\n

V\u1eeba qua, ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 \u0111\u01b0a ra th\u00f4ng b\u00e1o n\u00e2ng h\u1ea1n m\u1ee9c vay t\u00edn ch\u1ea5p cho SME l\u00ean \u0111\u1ebfn 3 t\u1ef7 \u0111\u1ed3ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 0.5 – 2%\/ n\u0103m \u0111\u1ec3 gi\u00fap c\u00e1c SME gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh trong th\u1eddi \u0111i\u1ec3m kh\u00f3 kh\u0103n n\u00e0y.<\/span><\/p>\n

\"vay<\/p>\n

\u0110\u1ec3 \u0111\u0103ng k\u00fd vay t\u00edn ch\u1ea5p t\u1ea1i VPBank, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 truy c\u1eadp v\u00e0o trang <\/span>https:\/\/vpbanksme.com.vn\/nhan-von-tin-chap<\/b><\/a>,<\/b> \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u v\u00e0 g\u1eedi v\u1ec1 cho ng\u00e2n h\u00e0ng. B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3, sau \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c vay ti\u1ec1n n\u1ebfu \u0111\u1ea1t \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n m\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0a ra.<\/span><\/p>\n

H\u00ecnh th\u1ee9c vay ti\u1ec1n t\u00edn ch\u1ea5p t\u1ea1i VPBank kh\u00e1 \u0111a d\u1ea1ng. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn vay theo h\u1ea1n m\u1ee9c ho\u1eb7c vay v\u1edbi h\u00ecnh th\u1ee9c th\u1ea5u chi b\u1eb1ng c\u00e1ch tr\u1ea3 n\u1ee3 linh ho\u1ea1t v\u00e0o cu\u1ed1i m\u1ed7i th\u00e1ng ho\u1eb7c m\u1ed7i k\u1ef3.<\/span><\/p>\n

Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 ch\u1ecdn c\u00e1ch nh\u1eadn v\u1ed1n qua th\u1ebb t\u00edn d\u1ee5ng d\u00e0nh cho doanh nghi\u1ec7p v\u1edbi h\u1ea1n m\u1ee9c l\u00ean \u0111\u1ebfn 2 t\u1ef7 \u0111\u1ed3ng v\u00e0 \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed l\u00e3i trong v\u00f2ng 44 – 45 ng\u00e0y.<\/span><\/p>\n

Ngo\u00e0i t\u00e1c d\u1ee5ng cung \u1ee9ng ngu\u1ed3n v\u1ed1n cho doanh nghi\u1ec7p gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n. VPBank c\u00f2n \u0111\u01b0a ra c\u00e1c \u0111\u1eb7c quy\u1ec1n h\u1ea5p d\u1eabn cho kh\u00e1ch h\u00e0ng nh\u01b0: Mi\u1ec5n ph\u00ed 1 n\u0103m ph\u00ed internet banking, thu\u1ebf n\u1ed9p ph\u00ed, thu\u1ebf thanh to\u00e1n qu\u1ed1c t\u1ebf…<\/span><\/p>\n

\u201c\u0110\u00e2y l\u00e0 c\u01a1 h\u1ed9i m\u00e0 c\u00f4ng ty t\u00f4i r\u1ea5t mong ch\u1edd. T\u00f4i s\u1ebd chia s\u1ebb c\u00e1c \u01b0u \u0111\u00e3i n\u00e0y c\u1ee7a VPBank cho c\u00e1c b\u1ea1n ngh\u1ec1 \u0111\u1ec3 g\u1ee1 kh\u00fac m\u1eafc huy \u0111\u1ed9ng v\u1ed1n, \u0111\u1ea7u t\u01b0 trang thi\u1ebft b\u1ecb k\u1ef9 thu\u1eadt c\u0169ng nh\u01b0 nh\u00e2n s\u1ef1 ch\u1ea5t l\u01b0\u1ee3ng cao, t\u1ea1o \u0111\u00e0 th\u00fac \u0111\u1ea9y kinh doanh khi d\u1ecbch b\u1ec7nh \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t\u201d – ch\u1ecb H\u1ea3i Minh chia s\u1ebb\u00a0<\/span><\/p>\n

Theo thoibaotaichinhvietnam bi\u00ean t\u1eadp b\u1edfi vaynhanhonlie<\/a><\/span><\/p>\n\n\n

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\n B\u00ecnh Ch\u1ecdn post<\/span>\n <\/div>\n <\/div>\n","protected":false},"excerpt":{"rendered":"

H\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p c\u00f3 quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf \u0111\u1ec1u \u0111ang ph\u1ea3i ch\u1ecbu t\u1ed5n th\u1ea5t do t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i. Tuy nhi\u00ean, n\u1ebfu bi\u1ebft c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. \u0110\u00e2y s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t \u0111\u1ec3 nh\u1eefng doanh nghi\u1ec7p n\u00e0y […]\n","protected":false},"author":2,"featured_media":1711,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/posts\/1709"}],"collection":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/comments?post=1709"}],"version-history":[{"count":0,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/posts\/1709\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/media\/1711"}],"wp:attachment":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/media?parent=1709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/categories?post=1709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/tags?post=1709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}