{"id":1599,"date":"2026-06-27T21:31:28","date_gmt":"2026-06-27T20:31:28","guid":{"rendered":"https:\/\/useful.vn\/?p=1599"},"modified":"2026-06-27T21:31:28","modified_gmt":"2026-06-27T20:31:28","slug":"esg-la-tam-khien-bao-ve-bien-loi-nhuan-va-khach-hang-cua-f88","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=1599","title":{"rendered":"‘ESG l\u00e0 ‘t\u1ea5m khi\u00ean’ b\u1ea3o v\u1ec7 bi\u00ean l\u1ee3i nhu\u1eadn v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a F88′"},"content":{"rendered":"
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\n‘ESG l\u00e0 ‘t\u1ea5m khi\u00ean’ b\u1ea3o v\u1ec7 bi\u00ean l\u1ee3i nhu\u1eadn v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a F88′ <\/h1>\n

B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng F88 cho bi\u1ebft, vi\u1ec7c t\u00edch h\u1ee3p ESG gi\u00fap ki\u1ec3m so\u00e1t r\u1ee7i ro, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n d\u00e0i h\u1ea1n.<\/p>\n

T\u1eeb m\u1ed9t doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, F88 hi\u1ec7n s\u1edf h\u1eefu 949 ph\u00f2ng giao d\u1ecbch tr\u00ean c\u1ea3 n\u01b0\u1edbc v\u00e0 ph\u1ee5c v\u1ee5 l\u0169y k\u1ebf g\u1ea7n 1,4 tri\u1ec7u kh\u00e1ch h\u00e0ng (t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2025). Doanh nghi\u1ec7p v\u1eeba c\u00f4ng b\u1ed1 B\u00e1o c\u00e1o Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng tham chi\u1ebfu chu\u1ea9n GRI, tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng \u0111\u01a1n v\u1ecb \u0111\u1ea7u ti\u00ean trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh thay th\u1ebf t\u1ea1i Vi\u1ec7t Nam th\u1ef1c hi\u1ec7n b\u00e1o c\u00e1o ESG \u0111\u1ed9c l\u1eadp.<\/p>\n

B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng F88, chia s\u1ebb \u0111\u00e2y l\u00e0 chi\u1ebfn l\u01b0\u1ee3c nh\u1eb1m ki\u1ebfn t\u1ea1o m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh minh b\u1ea1ch, qu\u1ea3n tr\u1ecb r\u1ee7i ro li\u00eam ch\u00ednh v\u00e0 b\u1ea3o v\u1ec7 nh\u1eefng kh\u00e1ch h\u00e0ng d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng, qua \u0111\u00f3 t\u00e1i \u0111\u1ecbnh v\u1ecb d\u00f2ng v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

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B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng F88. \u1ea2nh: F88<\/em><\/p>\n<\/figcaption><\/figure>\n

– V\u00ec sao F88 l\u1ef1a ch\u1ecdn c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o <\/em>Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng<\/em>\u1edf th\u1eddi \u0111i\u1ec3m n\u00e0y?<\/em><\/p>\n

– F88 l\u1ef1a ch\u1ecdn c\u00f4ng b\u1ed1 B\u00e1o c\u00e1o Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng (ESG) v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0y kh\u00f4ng ph\u1ea3i v\u00ec y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c hay m\u1ed9t c\u1ed9t m\u1ed1c c\u1ee5 th\u1ec3 tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1ed1n, m\u00e0 xu\u1ea5t ph\u00e1t t\u1eeb \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng m\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 theo \u0111u\u1ed5i trong nhi\u1ec1u n\u0103m qua.<\/p>\n

L\u00e0 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh thay th\u1ebf, ph\u1ee5c v\u1ee5 nh\u00f3m kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn \u0111\u1ea7y \u0111\u1ee7 v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u00ednh th\u1ed1ng, ch\u00fang t\u00f4i nh\u1eadn th\u1ee9c r\u1eb1ng t\u0103ng tr\u01b0\u1edfng ch\u1ec9 th\u1ef1c s\u1ef1 b\u1ec1n v\u1eefng khi \u0111i c\u00f9ng v\u1edbi qu\u1ea3n tr\u1ecb minh b\u1ea1ch, tr\u00e1ch nhi\u1ec7m x\u00e3 h\u1ed9i v\u00e0 kh\u1ea3 n\u0103ng t\u1ea1o ra gi\u00e1 tr\u1ecb t\u00edch c\u1ef1c cho c\u1ed9ng \u0111\u1ed3ng.<\/p>\n

Trong su\u1ed1t qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n, F88 t\u1eebng b\u01b0\u1edbc n\u00e2ng cao c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb, qu\u1ea3n l\u00fd r\u1ee7i ro, b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c. Vi\u1ec7c ph\u00e1t h\u00e0nh B\u00e1o c\u00e1o ESG l\u1ea7n n\u00e0y l\u00e0 b\u01b0\u1edbc ti\u1ebfp theo nh\u1eb1m h\u1ec7 th\u1ed1ng h\u00f3a nh\u1eefng n\u1ed7 l\u1ef1c \u0111\u00f3 theo c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf v\u00e0 ch\u1ee7 \u0111\u1ed9ng minh b\u1ea1ch h\u01a1n v\u1edbi c\u00e1c b\u00ean li\u00ean quan. Tinh th\u1ea7n n\u00e0y c\u0169ng nh\u1ea5t qu\u00e1n v\u1edbi vi\u1ec7c F88 \u0111\u01b0a c\u1ed5 phi\u1ebfu l\u00ean giao d\u1ecbch tr\u00ean UpCOM v\u00e0 h\u01b0\u1edbng t\u1edbi ni\u00eam y\u1ebft tr\u00ean HoSE trong th\u1eddi gian t\u1edbi – nh\u1eefng b\u01b0\u1edbc \u0111i th\u1ec3 hi\u1ec7n cam k\u1ebft ng\u00e0y c\u00e0ng cao v\u1ec1 minh b\u1ea1ch th\u00f4ng tin, qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p v\u00e0 tr\u00e1ch nhi\u1ec7m gi\u1ea3i tr\u00ecnh.<\/p>\n

Ch\u00fang t\u00f4i tin r\u1eb1ng ESG kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t b\u00e1o c\u00e1o, m\u00e0 l\u00e0 n\u1ec1n t\u1ea3ng gi\u00fap doanh nghi\u1ec7p qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ed1t h\u01a1n, t\u1ea1o d\u1ef1ng ni\u1ec1m tin v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u1ed1i t\u00e1c v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, t\u1eeb \u0111\u00f3 x\u00e2y d\u1ef1ng l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u00e0 t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng trong d\u00e0i h\u1ea1n.<\/p>\n

– <\/em>Nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 lo ng\u1ea1i vi\u1ec7c \u00e1p d\u1ee5ng ESG v\u1edbi nh\u1eefng ch\u00ednh s\u00e1ch ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00edn d\u1ee5ng v\u00e0 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng kh\u1eaft khe<\/em> –<\/em> c\u00f3 th\u1ec3 k\u00ecm h\u00e3m \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn c\u1ee7a F88. <\/em>Quan \u0111i\u1ec3m c\u1ee7a b\u00e0 th\u1ebf n\u00e0o?<\/em><\/p>\n

– <\/em>T\u00f4i cho r\u1eb1ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 b\u00e0i to\u00e1n \u0111\u00e1nh \u0111\u1ed5i gi\u1eefa ESG v\u00e0 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn. Ng\u01b0\u1ee3c l\u1ea1i, ESG ch\u00ednh l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n

Th\u1ef1c ti\u1ec5n t\u1ea1i F88 \u0111ang ch\u1ee9ng minh \u0111i\u1ec1u \u0111\u00f3. Khi c\u00e1c nguy\u00ean t\u1eafc chu\u1ea9n ESG \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng ph\u00f2ng ng\u1eeba c\u00e1c nguy c\u01a1 ph\u00e1t sinh trong ho\u1ea1t \u0111\u1ed9ng kinh doanh. C\u1ee5 th\u1ec3, vi\u1ec7c n\u00e2ng cao k\u1ef7 lu\u1eadt th\u1ea9m \u0111\u1ecbnh gi\u00fap h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng vay v\u01b0\u1ee3t kh\u1ea3 n\u0103ng chi tr\u1ea3. C\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 E-score h\u1ed7 tr\u1ee3 thu h\u1ed3i n\u1ee3 ph\u00f9 h\u1ee3p v\u00e0 nh\u00e2n v\u0103n h\u01a1n. Qua \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n

H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u0169ng \u0111\u00e3 ph\u00ea duy\u1ec7t kh\u1ea9u v\u1ecb r\u1ee7i ro r\u00f5 r\u00e0ng, qua \u0111\u00f3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng t\u0103ng tr\u01b0\u1edfng lu\u00f4n n\u1eb1m trong c\u00e1c ng\u01b0\u1ee1ng r\u1ee7i ro \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t.<\/p>\n

Quan tr\u1ecdng h\u01a1n, s\u1ef1 minh b\u1ea1ch t\u1eeb c\u00e1c ti\u00eau chu\u1ea9n ESG ch\u00ednh l\u00e0 “gi\u1ea5y th\u00f4ng h\u00e0nh” gi\u00fap F88 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c d\u00f2ng v\u1ed1n t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc v\u1edbi chi ph\u00ed c\u1ea1nh tranh h\u01a1n. Khi v\u1eeba t\u1ed1i \u01b0u \u0111\u01b0\u1ee3c chi ph\u00ed v\u1ed1n \u0111\u1ea7u v\u00e0o, v\u1eeba ki\u1ec3m so\u00e1t t\u1ed1t ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n \u0111\u1ea7u ra, hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n m\u1ed9t c\u00e1ch b\u1ec1n v\u1eefng.<\/p>\n

K\u1ebft qu\u1ea3, l\u1ee3i nhu\u1eadn sau thu\u1ebf n\u0103m 2025 t\u0103ng 102% so v\u1edbi n\u0103m 2024, trong khi ROE qu\u00fd I\/2026 \u0111\u1ea1t g\u1ea7n 38%. \u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y t\u1ea1i F88, ch\u00fang t\u00f4i kh\u00f4ng \u0111\u00e1nh \u0111\u1ed5i l\u1ee3i nhu\u1eadn \u0111\u1ec3 theo \u0111u\u1ed5i ESG, m\u00e0 s\u1eed d\u1ee5ng ESG \u0111\u1ec3 ki\u1ebfn t\u1ea1o t\u0103ng tr\u01b0\u1edfng c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n

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B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng F88 thuy\u1ebft tr\u00ecnh trong s\u1ef1 ki\u1ec7n IR talk t\u1ed5 ch\u1ee9c t\u1ea1i TP HCM ng\u00e0y 19\/6. \u1ea2nh: F88<\/em><\/p>\n<\/figcaption><\/figure>\n

– N<\/em>h\u00e0 \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng e ng\u1ea1i ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng b\u00ecnh d\u00e2n v\u00ec r\u1ee7i ro t\u00edn d\u1ee5ng cao. T\u1ea1i sao F88 l\u1ea1i ch\u1ecdn “b\u01a1i” trong \u0111\u1ea1i d\u01b0\u01a1ng n\u00e0y?<\/em><\/p>\n

– <\/em>Th\u1ef1c t\u1ebf, ch\u00fang t\u00f4i nh\u00ecn th\u1ea5y c\u01a1 h\u1ed9i \u1edf ch\u00ednh n\u01a1i nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 nh\u00ecn th\u1ea5y r\u1ee7i ro.<\/p>\n

Vi\u1ec7t Nam hi\u1ec7n v\u1eabn c\u00f2n kho\u1ea3ng 17-18 tri\u1ec7u ng\u01b0\u1eddi ch\u01b0a c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f9ng h\u00e0ng ch\u1ee5c tri\u1ec7u lao \u0111\u1ed9ng thu nh\u1eadp th\u1ea5p v\u00e0 lao \u0111\u1ed9ng t\u1ef1 do g\u1eb7p kh\u00f3 kh\u0103n khi ti\u1ebfp c\u1eadn h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

Ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng b\u00ecnh d\u00e2n c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n so v\u1edbi c\u00e1c ph\u00e2n kh\u00fac truy\u1ec1n th\u1ed1ng. Tuy nhi\u00ean, ch\u00fang t\u00f4i kh\u00f4ng qu\u1ea3n tr\u1ecb r\u1ee7i ro b\u1eb1ng c\u00e1ch n\u00e9 tr\u00e1nh kh\u00e1ch h\u00e0ng, m\u00e0 t\u00ecm c\u00e1ch \u0111\u1ec3 hi\u1ec3u kh\u00e1ch h\u00e0ng h\u01a1n.<\/p>\n

F88 ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean m\u00f4 h\u00ecnh cho vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u00f9ng v\u1edbi kh\u1ea9u v\u1ecb r\u1ee7i ro \u0111\u01b0\u1ee3c H\u0110QT ph\u00ea duy\u1ec7t v\u00e0 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t nhi\u1ec1u l\u1edbp. V\u00ec v\u1eady, ch\u00fang t\u00f4i tin r\u1eb1ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t “\u0111\u1ea1i d\u01b0\u01a1ng r\u1ee7i ro”, m\u00e0 l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng r\u1ed9ng l\u1edbn v\u1edbi nhu c\u1ea7u th\u1ef1c v\u00e0 d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng d\u00e0i h\u1ea1n cho nh\u1eefng doanh nghi\u1ec7p c\u00f3 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb ph\u00f9 h\u1ee3p.<\/p>\n

T\u00ednh \u0111\u1ebfn h\u1ebft n\u0103m 2025, F88 gi\u1ea3i ng\u00e2n h\u01a1n 3,5 tri\u1ec7u h\u1ee3p \u0111\u1ed3ng vay, ph\u1ee5c v\u1ee5 l\u0169y k\u1ebf g\u1ea7n 1,4 tri\u1ec7u kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 67% l\u00e0 lao \u0111\u1ed9ng t\u1ef1 do, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng th\u1ec3 ch\u1ee9ng minh thu nh\u1eadp b\u1eb1ng gi\u1ea5y t\u1edd. H\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u l\u1edbn \u0111\u01b0\u1ee3c t\u00edch l\u0169y trong nhi\u1ec1u n\u0103m v\u00e0 c\u00e1c m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m r\u1ee7i ro li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c c\u1ea3i ti\u1ebfn gi\u00fap F88 c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ecbnh gi\u00e1 v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro ng\u00e0y c\u00e0ng t\u1ed1t h\u01a1n.<\/p>\n

V\u1edbi F88, vi\u1ec7c ph\u1ee5c v\u1ee5 nh\u00f3m kh\u00e1ch h\u00e0ng b\u00ecnh d\u00e2n kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 khai m\u1edf m\u1ed9t th\u1ecb tr\u01b0\u1eddng ng\u00e1ch m\u00e0 l\u00e0 tr\u00e1ch nhi\u1ec7m th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n (Financial Inclusion). Ch\u00fang t\u00f4i nh\u00ecn th\u1ea5y c\u01a1 h\u1ed9i t\u1ea1o ra gi\u00e1 tr\u1ecb kinh t\u1ebf \u0111i c\u00f9ng gi\u00e1 tr\u1ecb x\u00e3 h\u1ed9i th\u00f4ng qua vi\u1ec7c m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam.<\/p>\n

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C\u1eeda h\u00e0ng s\u1ed1 888 c\u1ee7a F88 t\u1ea1i \u0111\u1ecba ch\u1ec9 s\u1ed1 5 Nguy\u1ec5n Th\u1ecb Du\u1ec7, Y\u00ean H\u00f2a, H\u00e0 N\u1ed9i. \u1ea2nh: F88<\/em><\/p>\n<\/figcaption><\/figure>\n

– C\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t r\u1ee7i ro t\u1ea1i F88 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

– F88 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n xoay quanh “Ng\u00f4i nh\u00e0 chi\u1ebfn l\u01b0\u1ee3c” g\u1ed3m 6 tr\u1ee5 c\u1ed9t c\u1ed1t l\u00f5i: qu\u1ea3n tr\u1ecb, kinh t\u1ebf, t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, c\u1ed9ng \u0111\u1ed3ng, con ng\u01b0\u1eddi v\u00e0 v\u1eadn h\u00e0nh xanh. C\u00e1c nguy\u00ean t\u1eafc n\u00e0y \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 h\u00f3a th\u00f4ng qua c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t r\u1ee7i ro k\u00e9p, xuy\u00ean su\u1ed1t t\u1eeb kh\u00e2u thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m \u0111\u1ebfn ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng.<\/p>\n

V\u1ec1 thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m, F88 kh\u00f4ng \u00e1p d\u1ee5ng m\u1ed9t c\u1ea5u tr\u00fac \u0111\u1ed3ng nh\u1ea5t cho m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng. Th\u00f4ng qua H\u1ed9i \u0111\u1ed3ng S\u1ea3n ph\u1ea9m, ch\u00fang t\u00f4i ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng theo \u0111\u1eb7c \u0111i\u1ec3m thu nh\u1eadp v\u00e0 nhu c\u1ea7u t\u00e0i ch\u00ednh \u0111\u1ec3 “may \u0111o” c\u00e1c kho\u1ea3n vay v\u1edbi h\u1ea1n m\u1ee9c, k\u1ef3 h\u1ea1n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi d\u00f2ng ti\u1ec1n th\u1ef1c t\u1ebf c\u1ee7a t\u1eebng nh\u00f3m kh\u00e1ch h\u00e0ng.<\/p>\n

\u1ede kh\u00e2u ph\u00ea duy\u1ec7t, F88 ki\u00ean \u0111\u1ecbnh v\u1edbi nguy\u00ean t\u1eafc kh\u00f4ng gi\u1ea3i ng\u00e2n b\u1eb1ng m\u1ecdi gi\u00e1. M\u1ed7i kho\u1ea3n vay \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n, c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n h\u1eefu v\u00e0 l\u1ecbch s\u1eed giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng nh\u1eb1m \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay n\u1eb1m trong kh\u1ea3 n\u0103ng chi tr\u1ea3 th\u1ef1c t\u1ebf.<\/p>\n

N\u1ebfu k\u1ebft qu\u1ea3 \u0111\u00e1nh gi\u00e1 cho th\u1ea5y kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 vay v\u01b0\u1ee3t kh\u1ea3 n\u0103ng chi tr\u1ea3, F88 c\u00f3 th\u1ec3 \u0111\u1ec1 xu\u1ea5t gi\u1ea3m h\u1ea1n m\u1ee9c ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 ph\u00f9 h\u1ee3p h\u01a1n. Ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 l\u1ecbch s\u1eed thanh to\u00e1n t\u1ed1t s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t m\u1edf th\u00eam h\u1ea1n m\u1ee9c gi\u00fap kh\u00e1ch h\u00e0ng linh ho\u1ea1t h\u01a1n trong vi\u1ec7c s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng nh\u01b0ng \u0111\u1ea3m b\u1ea3o kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng.<\/p>\n

C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y gi\u00fap b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng kh\u1ecfi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh k\u00e9o d\u00e0i, \u0111\u1ed3ng th\u1eddi gi\u00fap F88 b\u1ea3o v\u1ec7 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, ng\u0103n ch\u1eb7n n\u1ee3 x\u1ea5u ph\u00e1t sinh t\u1eeb g\u1ed1c v\u00e0 duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh cho to\u00e0n b\u1ed9 danh m\u1ee5c cho vay.<\/p>\n

– <\/strong>H\u1ed9i \u0111\u1ed3ng S\u1ea3n ph\u1ea9m \u0111\u00f3ng vai tr\u00f2 g\u00ec trong vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro n\u1ee3 x\u1ea5u c\u1ee7a F88? <\/em><\/p>\n

– H\u1ed9i \u0111\u1ed3ng S\u1ea3n ph\u1ea9m l\u00e0 \u0111\u01a1n v\u1ecb gi\u00e1m s\u00e1t v\u00e0 ph\u00ea duy\u1ec7t to\u00e0n b\u1ed9 v\u00f2ng \u0111\u1eddi c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh t\u1ea1i F88, t\u1eeb giai \u0111o\u1ea1n x\u00e2y d\u1ef1ng \u00fd t\u01b0\u1edfng, th\u1eed nghi\u1ec7m, tri\u1ec3n khai \u0111\u1ebfn \u0111\u00e1nh gi\u00e1 sau ph\u00e1t h\u00e0nh.<\/p>\n

C\u01a1 ch\u1ebf qu\u1ea3n tr\u1ecb chuy\u00ean tr\u00e1ch n\u00e0y gi\u00fap F88 gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 3 b\u00e0i to\u00e1n c\u1ed1t l\u00f5i. Th\u1ee9 nh\u1ea5t, n\u00f3 gi\u00fap h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t r\u1ee7i ro s\u1ea3n ph\u1ea9m ngay t\u1eeb \u0111\u1ea7u, kh\u00f4ng \u0111\u1ec3 nh\u1eefng thi\u1ebft k\u1ebf sai l\u1ec7ch ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng. Th\u1ee9 hai, b\u1ea3o \u0111\u1ea3m c\u1ea5u tr\u00fac s\u1ea3n ph\u1ea9m \u0111\u01b0a ra ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf c\u1ee7a t\u1eebng ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng chuy\u00ean bi\u1ec7t. Cu\u1ed1i c\u00f9ng, vi\u1ec7c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c may \u0111o “chu\u1ea9n v\u1ecb” v\u1edbi kh\u00e1ch h\u00e0ng ngay t\u1eeb v\u1ea1ch xu\u1ea5t ph\u00e1t gi\u00fap F88 h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c ph\u00e1t sinh khi\u1ebfu n\u1ea1i hay r\u1ee7i ro tranh ch\u1ea5p trong t\u01b0\u01a1ng lai.<\/p>\n

\u0110\u00e2y ch\u00ednh l\u00e0 minh ch\u1ee9ng r\u00f5 nh\u1ea5t cho vi\u1ec7c t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m t\u1ea1i F88 \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh b\u1eb1ng c\u01a1 ch\u1ebf th\u1ec3 ch\u1ebf h\u00f3a, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 nh\u1eefng cam k\u1ebft \u0111\u1ecbnh t\u00ednh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, F88 theo \u0111u\u1ed5i m\u1ee5c ti\u00eau m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n \u0111i c\u00f9ng b\u1ea3o \u0111\u1ea3m an to\u00e0n t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng. C\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi k\u1ef3 h\u1ea1n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 linh ho\u1ea1t theo \u0111\u1eb7c \u0111i\u1ec3m d\u00f2ng ti\u1ec1n c\u1ee7a t\u1eebng nh\u00f3m kh\u00e1ch h\u00e0ng.<\/p>\n

M\u1ed9t trong nh\u1eefng d\u1ea5u \u1ea5n \u0111\u00e1ng t\u1ef1 h\u00e0o l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i cho kh\u00e1ch h\u00e0ng n\u1eef, cung c\u1ea5p ngu\u1ed3n v\u1ed1n vay v\u1edbi \u01b0u \u0111\u00e3i th\u1ea5p h\u01a1n t\u1edbi 30% so v\u1edbi c\u00e1c g\u00f3i vay th\u00f4ng th\u01b0\u1eddng. Theo F88, ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e3 h\u1ed7 tr\u1ee3 ngu\u1ed3n v\u1ed1n \u01b0u \u0111\u00e3i cho h\u01a1n 470.051 kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 c\u00f3 h\u01a1n 1.100 ph\u1ee5 n\u1eef t\u1ef1 doanh v\u00e0 ch\u1ee7 h\u1ed9 kinh doanh nh\u1ecf, nh\u1eb1m th\u00fac \u0111\u1ea9y v\u00e0 trao quy\u1ec1n kinh t\u1ebf cho ph\u1ee5 n\u1eef.<\/p>\n

– Trong giai \u0111o\u1ea1n 2026-2030, F88 s\u1ebd tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c ESG ra sao \u0111\u1ec3 ph\u1ee5c v\u1ee5 m\u1ee5c ti\u00eau chuy\u1ec3n s\u00e0n v\u00e0 m\u1edf r\u1ed9ng ti\u1ebfp c\u1eadn nh\u00e0 \u0111\u1ea7u t\u01b0?<\/em><\/p>\n

– Giai \u0111o\u1ea1n 2026-2030, khi tr\u1edf th\u00e0nh c\u00f4ng ty \u0111\u1ea1i ch\u00fang quy m\u00f4 l\u1edbn v\u00e0 chuy\u1ec3n c\u1ed5 phi\u1ebfu ni\u00eam y\u1ebft tr\u00ean HoSE, F88 \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u01b0a ESG tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n kh\u00f4ng t\u00e1ch r\u1eddi trong chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p v\u00e0 h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb, thay v\u00ec ch\u1ec9 l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng b\u00e1o c\u00e1o \u0111\u1ed9c l\u1eadp.<\/p>\n

Ch\u00fang t\u00f4i h\u01b0\u1edbng t\u1edbi vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c ch\u1ec9 ti\u00eau ESG c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng v\u00e0 theo d\u00f5i th\u01b0\u1eddng xuy\u00ean, t\u1eeb qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p, qu\u1ea3n tr\u1ecb r\u1ee7i ro, b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng, ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c \u0111\u1ebfn th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 b\u1edfi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, F88 s\u1ebd ti\u1ebfp t\u1ee5c n\u00e2ng c\u1ea5p c\u00e1c chu\u1ea9n m\u1ef1c c\u00f4ng b\u1ed1 th\u00f4ng tin theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, ti\u1ebfn t\u1edbi b\u00e1o c\u00e1o ESG theo chu\u1ea9n GRI \u1edf m\u1ee9c in accordance<\/em>, \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 tr\u1ecdng y\u1ebfu k\u00e9p (Double Materiality<\/em>) v\u00e0 h\u01b0\u1edbng t\u1edbi x\u00e1c nh\u1eadn \u0111\u1ed9c l\u1eadp (Assurance<\/em>) \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 ESG tr\u1ecdng y\u1ebfu.<\/p>\n

Xa h\u01a1n, ch\u00fang t\u00f4i k\u1ef3 v\u1ecdng ESG s\u1ebd kh\u00f4ng ch\u1ec9 l\u00e0 th\u01b0\u1edbc \u0111o v\u1ec1 t\u00ednh b\u1ec1n v\u1eefng, m\u00e0 tr\u1edf th\u00e0nh m\u1ed9t l\u1ee3i th\u1ebf c\u1ea1nh tranh gi\u00fap F88 n\u00e2ng cao uy t\u00edn tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1ed1n, m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c ngu\u1ed3n v\u1ed1n ch\u1ea5t l\u01b0\u1ee3ng cao v\u00e0 t\u1ea1o ra gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n cho c\u1ed5 \u0111\u00f4ng, kh\u00e1ch h\u00e0ng v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n

Minh Ng\u1ecdc<\/strong><\/p>\n<\/article>\n

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‘ESG l\u00e0 ‘t\u1ea5m khi\u00ean’ b\u1ea3o v\u1ec7 bi\u00ean l\u1ee3i nhu\u1eadn v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a F88′ B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng F88 cho bi\u1ebft, vi\u1ec7c t\u00edch h\u1ee3p ESG gi\u00fap ki\u1ec3m so\u00e1t r\u1ee7i ro, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n d\u00e0i h\u1ea1n. T\u1eeb m\u1ed9t doanh nghi\u1ec7p ho\u1ea1t<\/p>\n","protected":false},"author":1,"featured_media":1600,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/1599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1599"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/1599\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/1600"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}