{"id":2171,"date":"2024-02-22T11:02:30","date_gmt":"2024-02-22T04:02:30","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=2171"},"modified":"2024-02-22T10:56:51","modified_gmt":"2024-02-22T03:56:51","slug":"thanh-khoan-la-gi","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/thanh-khoan-la-gi\/","title":{"rendered":"Thanh Kho\u1ea3n L\u00e0 G\u00ec? Ki\u1ebfn Th\u1ee9c V\u1ec1 T\u00ednh Thanh Kho\u1ea3n"},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\">\u0110\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, kinh t\u1ebf. Tuy v\u1eady, v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u r\u00f5 <strong>thanh kho\u1ea3n l\u00e0 g\u00ec,<\/strong> t\u00ednh thanh kho\u1ea3n c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o. Trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y, <a href=\"https:\/\/vaynhanhonline.com.vn\/\">vaynhanhonline.com.vn<\/a> s\u1ebd gi\u1ea3i th\u00edch chi ti\u1ebft \u0111\u1ec3 gi\u00fap b\u1ea1n \u0111\u1ecdc hi\u1ec3u th\u00eam v\u1ec1 kh\u00e1i kh\u0103n thanh kho\u1ea3n.\u00a0<\/span><\/i><\/p>\n<h2><span style=\"font-weight: 400;\">Thanh kho\u1ea3n l\u00e0 g\u00ec?<\/span><\/h2>\n<figure id=\"attachment_2174\" aria-describedby=\"caption-attachment-2174\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2174 size-full\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-3.jpg\" alt=\"thanh kho\u1ea3n l\u00e0 g\u00ec\" width=\"600\" height=\"388\" title=\"\"><figcaption id=\"caption-attachment-2174\" class=\"wp-caption-text\">Thanh kho\u1ea3n l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Thanh kho\u1ea3n c\u00f3 t\u00ean g\u1ecdi ti\u1ebfng anh l\u00e0 <a href=\"https:\/\/vi.wikipedia.org\/wiki\/Thanh_kho%E1%BA%A3n_(t%C3%A0i_ch%C3%ADnh)\" rel=\"nofollow noopener\" target=\"_blank\">Liquidity<\/a>, \u0111\u00e2y l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ec3 hi\u1ec7n m\u1ee9c \u0111\u1ed9 linh \u0111\u1ed9ng c\u1ee7a m\u1ed9t t\u00e0i s\u1ea3n b\u1ea5t k\u1ef3 n\u00e0o \u0111\u00f3 \u0111\u01b0\u1ee3c mua v\u00e0o, b\u00e1n ra tr\u00ean th\u1ecb tr\u01b0\u1eddng m\u00e0 kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n \u0111\u00f3.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">T\u00ednh thanh kho\u1ea3n c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2173\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-2.jpg\" alt=\"t\u00ednh thanh kho\u1ea3n c\u00f3 \u00fd ngh\u0129a g\u00ec?\" width=\"600\" height=\"342\" title=\"\"><\/p>\n<p><span style=\"font-weight: 400;\"><em>T\u00ednh thanh kho\u1ea3n<\/em> c\u00f3 \u00fd ngh\u0129a th\u1ec3 hi\u1ec7n s\u1ef1 linh ho\u1ea1t an to\u00e0n v\u00e0 kh\u1ea3 n\u0103ng chuy\u1ec3n \u0111\u1ed5i c\u1ee7a t\u00e0i s\u1ea3n, th\u1ecb tr\u01b0\u1eddng. C\u1ee5 th\u1ec3 nh\u01b0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u1eefng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 t\u00ednh thanh kho\u1ea3n cao l\u00e0 nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n m\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a n\u00f3 \u00edt b\u1ecb thay \u0111\u1ed5i khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed5i.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u00ednh thanh kho\u1ea3n s\u1ebd c\u00e0ng cao khi th\u1ecb tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng c\u00e0ng n\u0103ng \u0111\u1ed9ng, s\u00f4i n\u1ed5i.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Ph\u00e2n lo\u1ea1i c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n d\u1ef1a v\u00e0o t\u00ednh thanh kho\u1ea3n<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Trong l\u0129nh v\u1ef1c k\u1ebf to\u00e1n, t\u00ednh thanh kho\u1ea3n c\u1ee7a c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n l\u01b0u \u0111\u1ed9ng s\u1ebd \u0111\u01b0\u1ee3c lo\u1ea1i t\u1eeb cao \u0111\u1ebfn th\u1ea5p. C\u1ee5 th\u1ec3 l\u00e0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ti\u1ec1n m\u1eb7t<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kho\u1ea3n ph\u1ea3i thu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u1ee8ng tr\u01b0\u1edbc ng\u1eafn h\u1ea1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e0ng t\u1ed3n kho.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ti\u1ec1n m\u1eb7t l\u00e0 t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao nh\u1ea5t b\u1edfi th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n tr\u1ef1c ti\u1ebfp v\u00e0 l\u01b0u th\u00f4ng hay t\u00edch tr\u1eef.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T\u00ednh thanh kho\u1ea3n c\u1ee7a h\u00e0ng t\u1ed3n kho x\u1ebfp cu\u1ed1i c\u00f9ng b\u1edfi h\u00e0ng h\u00f3a c\u1ea7n tr\u1ea3i qua th\u00eam nhi\u1ec1u c\u00f4ng \u0111o\u1ea1n kh\u00e1c nh\u01b0 ph\u00e2n ph\u1ed1i h\u00e0ng h\u00f3a, ti\u00eau th\u1ee5, chuy\u1ec3n \u0111\u1ed5i th\u00e0nh kho\u1ea3n ph\u1ea3i thu sau \u0111\u00f3 m\u1edbi chuy\u1ec3n th\u00e0nh ti\u1ec1n m\u1eb7t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ngo\u00e0i ra, ch\u00fang kho\u00e1n c\u0169ng l\u00e0 m\u1ed9t trong s\u1ed1 nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">C\u00e1c lo\u1ea1i thanh kho\u1ea3n tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay ch\u1ee7 y\u1ebfu th\u01b0\u1eddng nh\u1eafc \u0111\u1ebfn hai lo\u1ea1i thanh kho\u1ea3n ch\u00ednh l\u00e0 thanh kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2175\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-4.jpg\" alt=\"Thanh kho\u1ea3n ng\u00e2n h\u00e0ng\" width=\"600\" height=\"327\" title=\"\"><\/p>\n<p><span style=\"font-weight: 400;\">Thanh kho\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 kh\u1ea3 n\u0103ng gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng ho\u1eb7c kh\u1ea3 n\u0103ng r\u00fat ti\u1ec1n g\u1eedi theo nh\u01b0 cam k\u1ebft c\u1ee7a ng\u00e2n h\u00e0ng. T\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 \u0111\u1eb7c t\u00ednh, th\u1eddi gian thanh kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd di\u1ec5n ra trong kho\u1ea3ng th\u1eddi gian ng\u1eafn h\u1ea1n ho\u1eb7c d\u00e0i h\u1ea1n.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh c\u1ee7a thanh kho\u1ea3n ng\u00e2n h\u00e0ng g\u1ed3m c\u00f3:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t hi\u1ebfm khi c\u00e2n b\u1eb1ng \u0111\u01b0\u1ee3c cung &#8211; c\u1ea7u thanh kho\u1ea3n trong m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3. H\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng \u0111\u1ec1u lu\u00f4n trong t\u00ecnh tr\u1ea1ng thanh kho\u1ea3n l\u00e0 th\u1eb7ng d\u01b0 ho\u1eb7c th\u00e2m h\u1ee5t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e0ng c\u00f3 nhi\u1ec1u ngu\u1ed3n v\u1ed1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng gi\u1eef l\u1ea1i \u0111\u1ec3 \u0111\u00e1p \u1ee9ng cho nhu c\u1ea7u thanh kho\u1ea3n th\u00ec kh\u1ea3 n\u0103ng t\u1ea1o ra l\u1ee3i nhu\u1eadn cho ng\u00e2n h\u00e0ng s\u1ebd c\u00e0ng th\u1ea5p. Ng\u01b0\u1ee3c l\u1ea1i, khi l\u1ee3i nhu\u1eadn cao th\u00ec ng\u00e2n h\u00e0ng th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 v\u1ed1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng cho nhu c\u1ea7u thanh kho\u1ea3n.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">C\u00e1c ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng thanh kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Kh\u1ea3 n\u0103ng thanh kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a v\u00e0o c\u00e1c ti\u00eau ch\u00ed \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u 11 Th\u00f4ng t\u01b0 52\/2018\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 x\u1ebfp h\u1ea1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam g\u1ed3m c\u00f3:<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u201c1. Nh\u00f3m ch\u1ec9 ti\u00eau \u0111\u1ecbnh l\u01b0\u1ee3ng<\/span><\/p><\/blockquote>\n<ul>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">T\u1ef7 l\u1ec7 t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao b\u00ecnh qu\u00e2n so v\u1edbi t\u1ed5ng t\u00e0i s\u1ea3n b\u00ecnh qu\u00e2n;<\/span><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">T\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n;<\/span><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">T\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi<\/span><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">T\u1ef7 l\u1ec7 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi l\u1edbn so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi.<\/span><\/p><\/blockquote>\n<\/li>\n<\/ul>\n<blockquote><p>2. Nh\u00f3m ch\u1ec9 ti\u00eau \u0111\u1ecbnh t\u00ednh<\/p><\/blockquote>\n<ul>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">Tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 t\u1ef7 l\u1ec7 kh\u1ea3 n\u0103ng chi tr\u1ea3, t\u1ef7 l\u1ec7 t\u1ed1i \u0111a c\u1ee7a ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cho vay trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi;<\/span><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><span style=\"font-weight: 400;\">Tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ban h\u00e0nh, r\u00e0 so\u00e1t, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u00e0 b\u00e1o c\u00e1o quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 qu\u1ea3n l\u00fd thanh kho\u1ea3n v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00e1c v\u1ec1 qu\u1ea3n l\u00fd r\u1ee7i ro thanh kho\u1ea3n.\u201d<\/span><\/p><\/blockquote>\n<\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Ngu\u1ed3n cung thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2172\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-1.jpg\" alt=\"t\u00ednh thanh kho\u1ea3n \" width=\"600\" height=\"313\" title=\"\"><\/p>\n<p><span style=\"font-weight: 400;\">Th\u00f4ng th\u01b0\u1eddng, ngu\u1ed3n cung c\u1ea5p thanh kho\u1ea3n cho ng\u00e2n h\u00e0ng s\u1ebd d\u1ebf t\u1eeb m\u1ed9t s\u1ed1 ngu\u1ed3n kh\u00e1c nhau nh\u01b0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb ng\u01b0\u1eddi g\u1eedi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi ph\u00ed thu v\u1ec1\u00a0 t\u1eeb vi\u1ec7c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi ph\u00ed thu v\u1ec1 t\u1eeb c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi ph\u00ed t\u1eeb vi\u1ec7c b\u00e1n c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n \u0111ang kinh doanh v\u00e0 s\u1eed d\u1ee5ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vay m\u01b0\u1ee3n \u0111\u01b0\u1ee3c t\u1eeb th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Nhu c\u1ea7u t\u1ea1o ra thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng t\u1ea1o ra nhu c\u1ea7u v\u1ec1 thanh kho\u1ea3n cho c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ebfn t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng sau:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n t\u1eeb c\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u00e3 g\u1eedi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd vay v\u1ed1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi c\u1ea7n ph\u1ea3i thanh to\u00e1n c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi ph\u00ed \u0111\u1ec3 t\u1ea1o ra s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi d\u00f9ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi thanh to\u00e1n c\u1ed5 t\u1ee9c cho c\u00e1c c\u1ed5 \u0111\u00f4ng<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">R\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 r\u1ee7i r ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 th\u01b0\u1eddng x\u1ea3y ra khi ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 \u0111\u1ee7 qu\u1ef9 ho\u1eb7c c\u00e1c t\u00e0i s\u1ea3n ng\u1eafn h\u1ea1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay ti\u1ec1n ho\u1eb7c r\u00fat ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi g\u1eedi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec3m c Kho\u1ea3n 2 \u0110i\u1ec1u 8 Th\u00f4ng t\u01b0 08\/2017\/TT- NHNN:<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u201cR\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 r\u1ee7i ro do<\/span><\/p><\/blockquote>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<blockquote><p><span style=\"font-weight: 400;\">T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 khi \u0111\u1ebfn h\u1ea1n<\/span><\/p><\/blockquote>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<blockquote><p><span style=\"font-weight: 400;\">\u00a0T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 khi \u0111\u1ebfn h\u1ea1n nh\u01b0ng ph\u1ea3i tr\u1ea3 chi ph\u00ed cao \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u00f3.\u201d<\/span><\/p><\/blockquote>\n<\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Nguy\u00ean nh\u00e2n g\u00e2y r\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2180\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-7.jpg\" alt=\"nguyen nh\u00e2n r\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng\" width=\"600\" height=\"376\" title=\"\" srcset=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-7.jpg 650w, https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-7-639x400.jpg 639w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">C\u00f3 hai nguy\u00ean nh\u00e2n ch\u00ednh g\u00e2y ra t\u00ecnh tr\u1ea1ng r\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng, c\u1ee5 th\u1ec3 l\u00e0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do Ng\u00e2n h\u00e0ng vay m\u01b0\u1ee3n t\u1eeb c\u00e1c qu\u1ef9, c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u1ec3 chuy\u1ec3n th\u00e0nh t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 k\u1ef3 h\u1ea1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do s\u1ef1 thay \u0111\u1ed5i v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi. Khi l\u00e3i su\u1ea5t t\u0103ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u1ed3ng lo\u1ea1t r\u00fat v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh sinh l\u1ee3i nhu\u1eadn cao h\u01a1n.<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Nh\u1eefng thi\u1ec7t h\u1ea1i t\u1eeb r\u1ee7i ro thanh kho\u1ea3n<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 thi\u1ec7t h\u1ea1i t\u1eeb r\u1ee7i ro thanh kho\u1ea3n \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng g\u1ed3m c\u00f3:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng ph\u1ea3i t\u00ecm c\u00e1ch huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng cho nhu c\u1ea7u thanh kho\u1ea3n khi\u1ebfn cho l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n t\u0103ng cao.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi ng\u00e2n h\u00e0ng c\u1ea7n tr\u1ea3 l\u00e3i su\u1ea5t cho c\u00e1c kho\u1ea3n v\u1ed1n \u0111\u00e3 huy \u0111\u1ed9ng, nh\u1eefng ngu\u1ed3n v\u1ed1n kh\u00f4ng th\u1ec3 cho vay \u0111\u1ec3 thu l\u1ee3i nhu\u1eadn khi\u1ebfn ng\u00e2n h\u00e0ng thua l\u1ed7<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u r\u00fat ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n khi m\u1ea5t \u0111i <em>t\u00ednh thanh kho\u1ea3n<\/em>. T\u1eeb \u0111\u00f3 g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u00ecnh \u1ea3nh c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">G\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a nhi\u1ec1u doanh nghi\u1ec7p<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u00e0m cho gi\u00e1 c\u1ea3 t\u0103ng cao, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng khuy\u1ebfn ngh\u1ecb v\u1ec1 gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro thanh kho\u1ea3n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro thanh kho\u1ea3n ng\u00e2n h\u00e0ng. M\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p thi\u1ebft th\u1ef1c \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u01b0:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1edbn,<a href=\"https:\/\/vaynhanhonline.com.vn\/cac-ngan-hang-nha-nuoc\/\"> c\u00e1c ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/a> h\u1ed7 tr\u1ee3 thanh kho\u1ea3n th\u00f4ng qua nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u1ecf, ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 th\u00f4ng qua c\u00f4ng c\u1ee5 t\u00e1i c\u1ea5p v\u1ed1n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xem x\u00e9t l\u1ea1i c\u01a1 c\u1ea5u danh m\u1ee5c t\u00e0i s\u1ea3n n\u1ee3<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duy tr\u00ec m\u1ed9t t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ho\u00e0n thi\u1ec7n c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Qu\u1ea3n l\u00fd t\u1ed1t r\u1ee7i ro v\u1ec1 k\u1ef3 h\u1ea1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p h\u1ea1n ch\u1ebf r\u1ee7i ro<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2176\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-5.jpg\" alt=\"Thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n\" width=\"600\" height=\"337\" title=\"\"><\/p>\n<p><span style=\"font-weight: 400;\">T\u00ednh thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n l\u00e0 kh\u1ea3 n\u0103ng chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n m\u1eb7t th\u00e0nh ch\u1ee9ng kho\u00e1n v\u00e0 ng\u01b0\u1ee3c l\u1ea1i<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">R\u1ee7i ro trong thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n<\/span><\/h4>\n<p>Kh\u00f4ng ch\u1ec9 quan t\u00e2m \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f2n \u0111\u1eb7c bi\u1ec7t qua t\u00e2m \u0111\u1ebfn kh\u1ea3 n\u0103ng b\u00e1n l\u1ea1i \u0111\u1ec3 thu h\u1ed3i v\u1ed1n. Khi m\u00e3 ch\u1ee9ng kho\u00e1n kh\u00f3 t\u00ecm \u0111\u01b0\u1ee3c ng\u01b0\u1eddi mua ho\u1eb7c b\u00e1n th\u1ea5p h\u01a1n m\u1ee9c gi\u00e1 mua v\u00e0o t\u1ee9c l\u00e0 m\u00e3 ch\u1ee9ng kho\u00e1n \u0111\u00f3 c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i kh\u00f4ng t\u1ed1t v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd ph\u1ea3i ch\u1ecbu l\u1ed7.<br \/>\nR\u1ea5t nhi\u1ec1u h\u00e0 \u0111\u1ea7u t\u01b0 s\u1edf h\u1eefu nhi\u1ec1u m\u00e3 ch\u1ee9ng kho\u00e1n nh\u01b0ng kh\u00f4ng b\u00e1n ra \u0111\u01b0\u1ee3c c\u00f3 ngh\u0129a d\u00e2y ch\u00ednh l\u00e0 r\u1ee7i ro thanh kho\u1ea3n trong ch\u1ee9ng kho\u00e1n.<\/p>\n<h4><span style=\"font-weight: 400;\">C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">C\u00f3 r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n c\u1ee7a ch\u1ee9ng kho\u00e1n nh\u01b0:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh, s\u1ea3n xu\u1ea5t c\u1ee7a doanh nghi\u1ec7p. Doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh th\u00ec t\u00ednh thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n c\u0169ng s\u1ebd cao, v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c ch\u00ednh s\u00e1ch, quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i b\u1ecb h\u1ea1n ch\u1ebf<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u00e2m l\u00fd c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Khuy\u1ebfn c\u00e1o nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">H\u1ea7u h\u1ebft c\u00e1c s\u1ea3n ph\u1ea9m tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec1u c\u00f3 m\u1ed1i li\u00ean h\u1ec7 v\u1edbi nhau. Khi th\u1ecb tr\u01b0\u1eddng c\u00f3 bi\u1ebfn \u0111\u1ed9ng s\u1ebd \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n g\u00e2y n\u00ean t\u00ecnh tr\u1ea1ng r\u1ee7i ro thanh kho\u1ea3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro thanh kho\u1ea3n ch\u1ee9ng kho\u00e1n, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n xem x\u00e9t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o <em>t\u00ednh thanh kho\u1ea3n<\/em> \u0111\u1ec3 thu h\u1ed3i v\u1ed1n khi th\u1ecb tr\u01b0\u1eddng g\u1eb7p bi\u1ebfn \u0111\u1ed9ng.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2179\" src=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-6.jpg\" alt=\"thanh kho\u1ea3n l\u00e0 g\u00ec\" width=\"650\" height=\"407\" title=\"\" srcset=\"https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-6.jpg 650w, https:\/\/vaynhanhonline.com.vn\/wp-content\/uploads\/2021\/08\/thanh-khoan-la-gi-6-639x400.jpg 639w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 th\u00f4ng tin v\u1ec1 <strong>thanh kho\u1ea3n l\u00e0 g\u00ec<\/strong>, nh\u1eefng ki\u1ebfn th\u1ee9c li\u00ean quan \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n. Hy v\u1ecdng nh\u1eefng chia s\u1ebb tr\u00ean \u0111\u00e2y c\u1ee7a vaynhanhonline s\u1ebd h\u1eefu \u00edch v\u1edbi b\u1ea1n \u0111\u1ecdc. Nh\u1eefng ng\u01b0\u1eddi \u0111ang c\u00f3 nhu c\u1ea7u t\u00ecm hi\u1ec3u th\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n.<\/span><\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;2171&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;1&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;4&quot;,&quot;greet&quot;:&quot;B\\u00ecnh Ch\\u1ecdn post&quot;,&quot;legend&quot;:&quot;5\\\/5 - (1 b\\u00ecnh ch\\u1ecdn)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Thanh Kho\\u1ea3n L\\u00e0 G\\u00ec? Ki\\u1ebfn Th\\u1ee9c V\\u1ec1 T\\u00ednh Thanh Kho\\u1ea3n&quot;,&quot;width&quot;:&quot;138&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 138px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 4px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (1 b\u00ecnh ch\u1ecdn)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, kinh t\u1ebf. Tuy v\u1eady, v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u r\u00f5 thanh kho\u1ea3n l\u00e0 g\u00ec, t\u00ednh thanh kho\u1ea3n c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o. Trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y, vaynhanhonline.com.vn s\u1ebd gi\u1ea3i th\u00edch chi ti\u1ebft \u0111\u1ec3 gi\u00fap b\u1ea1n \u0111\u1ecdc hi\u1ec3u th\u00eam v\u1ec1 [&#8230;]\n","protected":false},"author":2,"featured_media":2174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/posts\/2171"}],"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=2171"}],"version-history":[{"count":0,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/posts\/2171\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/media\/2174"}],"wp:attachment":[{"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/media?parent=2171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/categories?post=2171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vaynhanhonline.com.vn\/wp-json\/wp\/v2\/tags?post=2171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}