{"id":18296,"date":"2026-09-20T15:47:21","date_gmt":"2026-09-20T08:47:21","guid":{"rendered":"https:\/\/useful.vn\/?p=18296"},"modified":"2026-09-20T15:47:21","modified_gmt":"2026-09-20T08:47:21","slug":"startup-roi-vao-vong-xoay-tai-chinh-tu-nhu-cau-tang-truong","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=18296","title":{"rendered":"‘Startup r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y t\u00e0i ch\u00ednh t\u1eeb nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng’"},"content":{"rendered":"
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\n‘Startup r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y t\u00e0i ch\u00ednh t\u1eeb nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng’ <\/h1>\n

Kh\u00f4ng ph\u1ea3i th\u1ea5t b\u1ea1i m\u1edbi mang n\u1ee3, nhi\u1ec1u startup r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y t\u00e0i ch\u00ednh t\u1eeb ch\u00ednh nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng khi ph\u1ea3i t\u00ecm nh\u1eefng ngu\u1ed3n v\u1ed1n \u0111\u1eaft \u0111\u1ecf do m\u00f4 h\u00ecnh ch\u01b0a \u0111\u1ee7 l\u1edbn \u0111\u1ec3 t\u1ea1o d\u00f2ng ti\u1ec1n.<\/p>\n

Th\u00f4ng tin \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n startup chia s\u1ebb t\u1ea1i h\u1ed9i th\u1ea3o HFIC & Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng – C\u00e1nh c\u1eeda v\u1ed1n cho Startup, doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf do S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 TP HCM t\u1ed5 ch\u1ee9c s\u00e1ng 25\/8.<\/p>\n

D\u1eabn c\u00e2u chuy\u1ec7n th\u1ef1c t\u1ebf, \u00f4ng Ph\u1ea1m \u0110\u00f4ng Huy, CEO Sa k\u00ea To\u00e0n C\u1ea7u – Sa k\u00ea Vi\u1ec7t, k\u1ec3, sau 14 n\u0103m theo \u0111u\u1ed5i c\u00e2y sa k\u00ea, startup n\u00e0y \u0111\u00e3 ph\u00e1t tri\u1ec3n h\u01a1n 15 s\u1ea3n ph\u1ea9m, c\u00f3 xu\u1ea5t sang M\u1ef9, H\u00e0 Lan. Doanh nghi\u1ec7p c\u0169ng x\u00e2y d\u1ef1ng v\u00f9ng nguy\u00ean li\u1ec7u t\u1ea1i mi\u1ec1n T\u00e2y v\u00e0 Kh\u00e1nh H\u00f2a. Tuy nhi\u00ean, h\u00e0nh tr\u00ecnh n\u00e0y \u0111i k\u00e8m nhi\u1ec1u l\u1ea7n \u0111\u1ea7u t\u01b0 sai, th\u1ea5t b\u1ea1i v\u00e0 \u00e1p l\u1ef1c v\u1ed1n k\u00e9o d\u00e0i.<\/p>\n

C\u00f3 giai \u0111o\u1ea1n, doanh nghi\u1ec7p mua m\u00e1y m\u00f3c, t\u00e0i s\u1ea3n tr\u1ecb gi\u00e1 h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng khi \u0111\u01b0a v\u00e0o v\u1eadn h\u00e0nh m\u1edbi ph\u00e1t hi\u1ec7n kh\u00f4ng ph\u00f9 h\u1ee3p, bu\u1ed9c thanh l\u00fd v\u1edbi gi\u00e1 ch\u1ec9 c\u00f2n v\u00e0i tri\u1ec7u \u0111\u1ed3ng. Nh\u00e0 x\u01b0\u1edfng c\u0169ng ph\u1ea3i thay \u0111\u1ed5i nhi\u1ec1u l\u1ea7n. M\u1ed9t l\u00f4 bao b\u00ec t\u1ed1n h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng n\u1ebfu thi\u1ebfu ch\u1ee9ng ch\u1ec9, ch\u1ee9ng nh\u1eadn c\u1ea7n thi\u1ebft th\u00ec g\u1ea7n nh\u01b0 ph\u1ea3i b\u1ecf.<\/p>\n

\u0110\u1ebfn n\u0103m 2020, v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh tr\u1edf th\u00e0nh tr\u1ea3i nghi\u1ec7m l\u1edbn nh\u1ea5t c\u1ee7a startup n\u00e0y. C\u00f3 l\u00fac doanh nghi\u1ec7p c\u00f3 hai kho\u1ea3n vay th\u1ebf ch\u1ea5p, 8 kho\u1ea3n vay t\u00edn ch\u1ea5p v\u00e0 30 kho\u1ea3n vay t\u1eeb b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n.<\/p>\n

“Khi th\u1ea5t b\u1ea1i, g\u1ea7n nh\u01b0 ph\u1ea3i quay l\u1ea1i v\u1ea1ch xu\u1ea5t ph\u00e1t nh\u01b0ng kh\u00f4ng c\u00f2n \u0111\u1ee7 n\u0103ng l\u1ef1c \u0111\u1ec3 tr\u1edf l\u1ea1i \u0111\u01b0\u1eddng \u0111ua”, \u00f4ng Huy k\u1ec3, th\u00eam r\u1eb1ng khi m\u1edbi kh\u1edfi nghi\u1ec7p, b\u1ea3n th\u00e2n ch\u01b0a ph\u00e2n bi\u1ec7t r\u00f5 v\u1ed1n ng\u1eafn h\u1ea1n, trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, ch\u1ee7 y\u1ebfu t\u00ecm ti\u1ec1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng b\u00e0i to\u00e1n tr\u01b0\u1edbc m\u1eaft. “Cu\u1ed1i c\u00f9ng r\u01a1i v\u00e0o v\u00f2ng lu\u1ea9n qu\u1ea9n. \u0110\u00f4i khi kh\u00f4ng bi\u1ebft s\u1eafp t\u1edbi m\u00ecnh s\u1ebd l\u00e0m g\u00ec, g\u1ea7n nh\u01b0 ch\u1ec9 bi\u1ebft ki\u1ebfm ti\u1ec1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n ng\u1eafn h\u1ea1n”.<\/p>\n

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\u00d4ng Ph\u1ea1m \u0110\u00f4ng Huy, CEO Sa k\u00ea To\u00e0n C\u1ea7u – Sa k\u00ea Vi\u1ec7t, chia s\u1ebb t\u1ea1i h\u1ed9i th\u1ea3o s\u00e1ng 25\/8. \u1ea2nh: An Ph\u01b0\u01a1ng, H\u1eefu Danh<\/em><\/p>\n<\/figcaption><\/figure>\n

Sau \u0111\u00f3, nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c v\u00e0 ng\u00e2n h\u00e0ng, c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i v\u1ec1 m\u1ed9t kho\u1ea3n, gi\u00fap doanh nghi\u1ec7p duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng. Hi\u1ec7n Sa k\u00ea To\u00e0n C\u1ea7u – Sa k\u00ea Vi\u1ec7t \u0111\u1eb7t m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n m\u1ed9t tri\u1ec7u c\u00e2y sa k\u00ea, x\u00e2y d\u1ef1ng nh\u00e0 m\u00e1y v\u00e0o n\u0103m 2027 v\u00e0 ho\u00e0n thi\u1ec7n chu\u1ed7i t\u1eeb c\u00e2y gi\u1ed1ng, v\u00f9ng nguy\u00ean li\u1ec7u, thu ho\u1ea1ch, ch\u1ebf bi\u1ebfn \u0111\u1ebfn xu\u1ea5t kh\u1ea9u. Tuy nhi\u00ean, v\u1ed1n v\u1eabn l\u00e0 n\u00fat th\u1eaft.<\/p>\n

“\u0110\u00f4i khi m\u00ecnh ch\u01b0a k\u1ecbp ph\u00e1t tri\u1ec3n m\u1ed9t \u00fd t\u01b0\u1edfng hay m\u1ed9t n\u1ec1n t\u1ea3ng m\u1edbi nh\u01b0ng \u0111\u00e3 b\u1ecb bao quanh b\u1edfi n\u1ee3”, \u00f4ng Huy n\u00f3i, cho r\u1eb1ng startup, \u0111\u1eb7c bi\u1ec7t trong n\u00f4ng nghi\u1ec7p v\u00e0 s\u1ea3n xu\u1ea5t, c\u1ea7n ngu\u1ed3n v\u1ed1n \u0111\u1ee7 d\u00e0i cho t\u1eebng giai \u0111o\u1ea1n thay v\u00ec li\u00ean t\u1ee5c d\u00f9ng kho\u1ea3n vay ng\u1eafn h\u1ea1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft thi\u1ebfu h\u1ee5t tr\u01b0\u1edbc m\u1eaft.<\/p>\n

Trong khi \u0111\u00f3, v\u1edbi \u00f4ng Tr\u01b0\u01a1ng Minh \u0110\u1ea1t, nh\u00e0 s\u00e1ng l\u1eadp BenKon, b\u00e0i to\u00e1n v\u1ed1n xu\u1ea5t hi\u1ec7n doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 s\u1ea3n ph\u1ea9m v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

BenKon c\u00f3 7 h\u1ed3 s\u01a1 s\u00e1ng ch\u1ebf, hai b\u1eb1ng \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p t\u1ea1i Vi\u1ec7t Nam, ph\u00e1t tri\u1ec3n gi\u1ea3i ph\u00e1p IoT qu\u1ea3n l\u00fd n\u0103ng l\u01b0\u1ee3ng v\u00e0 m\u00f4 h\u00ecnh Cooling as a Service (CaaS) – cho thu\u00ea d\u1ecbch v\u1ee5 l\u1ea1nh. C\u00f4ng ty m\u1ea5t kho\u1ea3ng 4 n\u0103m th\u1eed nghi\u1ec7m tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c WinCommerce l\u1ef1a ch\u1ecdn tri\u1ec3n khai h\u1ec7 th\u1ed1ng t\u1ea1i kho\u1ea3ng 6.000 c\u1eeda h\u00e0ng.<\/p>\n

C\u00f3 kh\u00e1ch h\u00e0ng l\u1edbn nh\u01b0ng BenKon v\u1eabn ph\u1ea3i t\u00ecm v\u1ed1n b\u1edfi doanh nghi\u1ec7p ph\u1ea3i b\u1ecf ti\u1ec1n tr\u01b0\u1edbc r\u1ed3i m\u1edbi thu \u0111\u01b0\u1ee3c ti\u1ec1n sau khi kh\u00e1ch h\u00e0ng nghi\u1ec7m thu.<\/p>\n

V\u1edbi m\u1ed7i c\u01a1 s\u1edf tri\u1ec3n khai IoT, doanh nghi\u1ec7p \u01b0\u1edbc t\u00ednh c\u1ea7n kho\u1ea3ng 10 tri\u1ec7u \u0111\u1ed3ng v\u00e0 m\u1ea5t 60-90 ng\u00e0y t\u1eeb l\u00fac s\u1ea3n xu\u1ea5t, tri\u1ec3n khai \u0111\u1ebfn khi nh\u1eadn thanh to\u00e1n. V\u1edbi CaaS, s\u1ed1 v\u1ed1n ban \u0111\u1ea7u kho\u1ea3ng 1,3 t\u1ef7 \u0111\u1ed3ng m\u1ed7i c\u01a1 s\u1edf, sau \u0111\u00f3 \u0111\u01b0\u1ee3c thu h\u1ed3i qua c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 k\u00e9o d\u00e0i 5-10 n\u0103m.<\/p>\n

Theo t\u00ednh to\u00e1n c\u1ee7a BenKon, 10 c\u01a1 s\u1edf CaaS c\u1ea7n kho\u1ea3ng 13 t\u1ef7 \u0111\u1ed3ng, 30 c\u01a1 s\u1edf c\u1ea7n 39 t\u1ef7 v\u00e0 50 c\u01a1 s\u1edf kho\u1ea3ng 65 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

“Ti\u1ec1n th\u00ec b\u1ecf ra tr\u01b0\u1edbc r\u1ed3i sau \u0111\u00f3 m\u1edbi l\u1ea5y l\u1ea1i”, \u00f4ng \u0110\u1ea1t n\u00f3i. Kh\u00f3 kh\u0103n b\u1eaft \u0111\u1ea7u b\u1edfi startup th\u01b0\u1eddng thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m truy\u1ec1n th\u1ed1ng, ch\u01b0a c\u00f3 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 vay ng\u00e2n h\u00e0ng, trong khi d\u00f2ng ti\u1ec1n b\u1ecb gi\u1eef l\u1ea1i 60-90 ng\u00e0y do kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p thanh to\u00e1n sau nghi\u1ec7m thu.<\/p>\n

M\u1ed9t ngh\u1ecbch l\u00fd, n\u1ebfu ch\u01b0a c\u00f3 t\u00e0i s\u1ea3n, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh, startup kh\u00f3 vay. Nh\u01b0ng n\u1ebfu kh\u00f4ng c\u00f3 v\u1ed1n \u0111\u1ec3 tri\u1ec3n khai \u0111\u01a1n h\u00e0ng, doanh nghi\u1ec7p kh\u00f3 t\u1ea1o ra quy m\u00f4 v\u00e0 d\u00f2ng ti\u1ec1n \u0111\u1ee7 l\u1edbn \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng.<\/p>\n

Theo nh\u00e0 s\u00e1ng l\u1eadp n\u00e0y, startup kh\u00f4ng nh\u1ea5t thi\u1ebft ng\u1ea1i l\u00e3i su\u1ea5t cao v\u00ec khi c\u1ea7n v\u1eabn d\u00e1m vay n\u00f3ng \u0111\u1ec3 l\u00e0m. “V\u1ea5n \u0111\u1ec1 c\u1ee7a doanh nghi\u1ec7p l\u00e0 kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n an to\u00e0n”, \u00f4ng n\u00f3i.<\/p>\n

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\u00d4ng Tr\u01b0\u01a1ng Minh \u0110\u1ea1t, nh\u00e0 s\u00e1ng l\u1eadp BenKon, chia s\u1ebb t\u1ea1i h\u1ed9i th\u1ea3o s\u00e1ng 25\/8. \u1ea2nh: An Ph\u01b0\u01a1ng, H\u1eefu Danh<\/em><\/p>\n<\/figcaption><\/figure>\n

Ng\u00e2n s\u00e1ch l\u00e0m v\u1ed1n m\u1ed3i \u0111\u1ec3 th\u00fac \u0111\u1ea9y \u0111\u1ea7u t\u01b0 x\u00e3 h\u1ed9i<\/strong><\/p>\n

Trong l\u00fac ch\u1edd ngu\u1ed3n v\u1ed1n ph\u00f9 h\u1ee3p, BenKon t\u00ecm \u0111\u1ebfn v\u1ed1n t\u01b0 nh\u00e2n th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh, li\u00ean danh ho\u1eb7c th\u1ecfa thu\u1eadn mua s\u1eafm thi\u1ebft b\u1ecb. Thay v\u00ec vay tr\u1ef1c ti\u1ebfp, \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 \u0111\u1ee9ng ra mua thi\u1ebft b\u1ecb t\u1eeb nh\u00e0 s\u1ea3n xu\u1ea5t r\u1ed3i b\u00e1n l\u1ea1i cho BenKon v\u1edbi th\u1eddi h\u1ea1n thanh to\u00e1n ph\u00f9 h\u1ee3p th\u1eddi \u0111i\u1ec3m doanh nghi\u1ec7p thu ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng. Nh\u1edd \u0111\u00f3, startup c\u00f3 thi\u1ebft b\u1ecb \u0111\u1ec3 tri\u1ec3n khai m\u00e0 kh\u00f4ng ph\u1ea3i b\u1ecf to\u00e0n b\u1ed9 v\u1ed1n ngay t\u1eeb \u0111\u1ea7u, \u0111\u1ed5i l\u1ea1i ph\u1ea3i gi\u1ea3m ph\u1ea7n l\u1edbn l\u1ee3i nhu\u1eadn \u0111\u1ec3 b\u00f9 \u0111\u1eafp.<\/p>\n

Theo \u00f4ng \u0110\u1ea1t, startup kh\u00f4ng ch\u1ec9 c\u1ea7n th\u00eam v\u1ed1n m\u00e0 c\u1ea7n \u0111\u00fang lo\u1ea1i v\u1ed1n cho t\u1eebng giai \u0111o\u1ea1n. V\u1edbi IoT, doanh nghi\u1ec7p c\u1ea7n h\u1ea1n m\u1ee9c v\u1ed1n l\u01b0u \u0111\u1ed9ng \u0111\u1ec3 \u1ee9ng tr\u01b0\u1edbc chi ph\u00ed trong 60-90 ng\u00e0y r\u1ed3i ho\u00e0n tr\u1ea3 khi kh\u00e1ch h\u00e0ng thanh to\u00e1n. V\u1edbi m\u00f4 h\u00ecnh cho thu\u00ea l\u1ea1nh, m\u1ed7i d\u1ef1 \u00e1n c\u1ea7n kho\u1ea3ng 1,3 t\u1ef7 \u0111\u1ed3ng v\u00e0 thu h\u1ed3i v\u1ed1n trong 5-10 n\u0103m, ph\u00f9 h\u1ee3p v\u1edbi t\u00e0i tr\u1ee3 d\u1ef1 \u00e1n ho\u1eb7c t\u00e0i s\u1ea3n.<\/p>\n

Do \u0111\u00f3, BenKon \u0111\u1ec1 xu\u1ea5t HFIC ho\u1eb7c Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 tham gia m\u1ed9t ph\u1ea7n \u0111\u1ec3 t\u0103ng ni\u1ec1m tin cho ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Ch\u1eb3ng h\u1ea1n, v\u1edbi kho\u1ea3n vay 10 t\u1ef7 \u0111\u1ed3ng, ph\u1ea7n b\u1ea3o l\u00e3nh ho\u1eb7c t\u0103ng c\u01b0\u1eddng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 chi\u1ebfm 20-50%, ph\u1ea7n c\u00f2n l\u1ea1i do ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cung c\u1ea5p.<\/p>\n

“Doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 c\u1ea7n v\u1ed1n gi\u00e1 r\u1ebb nh\u01b0ng v\u1edbi startup c\u00f4ng ngh\u1ec7, \u0111\u1eb7c bi\u1ec7t l\u00e0 startup ph\u1ea7n c\u1ee9ng th\u00ec c\u1ea7n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n v\u1edbi c\u1ea5u tr\u00fac h\u1ee3p l\u00fd”, \u00f4ng \u0110\u1ea1t n\u00f3i.<\/p>\n

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Startup c\u00f4ng ngh\u1ec7 gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m t\u1ea1i S\u00e0n giao d\u1ecbch c\u00f4ng ngh\u1ec7 t\u1ed5 ch\u1ee9c t\u1ea1i Sihub. \u1ea2nh: L\u00ea Tuy\u1ebft, H\u1eefu Danh<\/em><\/p>\n<\/figcaption><\/figure>\n

T\u1ea1i h\u1ed9i th\u1ea3o, \u00f4ng Ph\u1ea1m Hu\u1ef3nh Quang Hi\u1ebfu, Ph\u00f3 gi\u00e1m \u0111\u1ed1c S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 TP HCM, cho r\u1eb1ng v\u1ed1n v\u1eabn l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m ngh\u1ebdn l\u1edbn nh\u1ea5t c\u1ee7a startup v\u00e0 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba.<\/p>\n

Theo \u00f4ng, ph\u1ea7n l\u1edbn doanh nghi\u1ec7p v\u1eabn ph\u1ea3i d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay, trong khi t\u00e0i s\u1ea3n l\u1edbn nh\u1ea5t c\u1ee7a startup l\u1ea1i l\u00e0 c\u00f4ng ngh\u1ec7, t\u00e0i s\u1ea3n tr\u00ed tu\u1ec7 v\u00e0 \u0111\u1ed9i ng\u0169 – nh\u1eefng y\u1ebfu t\u1ed1 t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng kh\u00f3 \u0111\u1ecbnh gi\u00e1. Kho\u1ea3ng c\u00e1ch gi\u1eefa ngu\u1ed3n v\u1ed1n v\u00e0 startup kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf ch\u00ednh s\u00e1ch m\u00e0 c\u00f2n \u1edf th\u00f4ng tin, quy tr\u00ecnh v\u00e0 kh\u00e2u chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1.<\/p>\n

S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 \u0111\u1ecbnh h\u01b0\u1edbng h\u00ecnh th\u00e0nh chu\u1ed7i v\u1ed1n theo v\u00f2ng \u0111\u1eddi doanh nghi\u1ec7p: giai \u0111o\u1ea1n \u0111\u1ea7u, ng\u00e2n s\u00e1ch v\u00e0 qu\u1ef9 \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m \u0111\u00f3ng vai tr\u00f2 v\u1ed1n m\u1ed3i; khi doanh nghi\u1ec7p m\u1edf r\u1ed9ng s\u1ea3n xu\u1ea5t, b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng v\u00e0 h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t ti\u1ebfp s\u1ee9c; khi doanh nghi\u1ec7p \u0111\u1ee7 chu\u1ea9n, v\u1ed1n th\u1ecb tr\u01b0\u1eddng s\u1ebd tham gia.<\/p>\n

\u00d4ng Nguy\u1ec5n H\u00e0 Lam, \u0111\u1ea1i di\u1ec7n C\u00f4ng ty \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh nh\u00e0 n\u01b0\u1edbc TP HCM (HFIC), cho r\u1eb1ng m\u1ed9t h\u01b0\u1edbng h\u1ed7 tr\u1ee3 l\u00e0 s\u1eed d\u1ee5ng c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh \u0111\u1ec3 gi\u1ea3i b\u00e0i to\u00e1n thi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a startup v\u00e0 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba. Theo ch\u00ednh s\u00e1ch HFIC, kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u1ed1i \u0111a 100%; doanh nghi\u1ec7p c\u1ea7n c\u00f3 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu t\u1ed1i thi\u1ec3u kho\u1ea3ng 15-20% d\u1ef1 \u00e1n v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3 thu\u1ebf qu\u00e1 h\u1ea1n.<\/p>\n

B\u00ean c\u1ea1nh b\u1ea3o l\u00e3nh, TP HCM \u0111ang \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t cho c\u00e1c d\u1ef1 \u00e1n thu\u1ed9c l\u0129nh v\u1ef1c \u01b0u ti\u00ean nh\u01b0 c\u00f4ng ngh\u1ec7 cao, chuy\u1ec3n \u0111\u1ed5i s\u1ed1, kh\u1edfi nghi\u1ec7p v\u00e0 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o. M\u1ee9c h\u1ed7 tr\u1ee3 c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100% ho\u1eb7c 50% l\u00e3i su\u1ea5t t\u00f9y l\u0129nh v\u1ef1c; h\u1ea1n m\u1ee9c \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a 200 t\u1ef7 \u0111\u1ed3ng m\u1ed7i d\u1ef1 \u00e1n v\u00e0 th\u1eddi gian h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a b\u1ea3y n\u0103m.
\nHFIC xem c\u01a1 ch\u1ebf n\u00e0y theo h\u01b0\u1edbng “v\u1ed1n m\u1ed3i ng\u00e2n s\u00e1ch – \u0111\u00f2n b\u1ea9y x\u00e3 h\u1ed9i”, t\u1ee9c t\u00e0i ch\u00ednh c\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u00fap doanh nghi\u1ec7p ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 huy \u0111\u1ed9ng th\u00eam ngu\u1ed3n l\u1ef1c th\u1ecb tr\u01b0\u1eddng.<\/p>\n

L\u00ea Tuy\u1ebft – H\u1eefu Danh<\/strong><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/startup-roi-vao-vong-xoay-tai-chinh-tu-nhu-cau-tang-truong-5113155.html<\/p>\n","protected":false},"excerpt":{"rendered":"

‘Startup r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y t\u00e0i ch\u00ednh t\u1eeb nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng’ Kh\u00f4ng ph\u1ea3i th\u1ea5t b\u1ea1i m\u1edbi mang n\u1ee3, nhi\u1ec1u startup r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y t\u00e0i ch\u00ednh t\u1eeb ch\u00ednh nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng khi ph\u1ea3i t\u00ecm nh\u1eefng ngu\u1ed3n v\u1ed1n \u0111\u1eaft \u0111\u1ecf do m\u00f4 h\u00ecnh ch\u01b0a \u0111\u1ee7 l\u1edbn \u0111\u1ec3 t\u1ea1o d\u00f2ng ti\u1ec1n. Th\u00f4ng tin \u0111\u01b0\u1ee3c \u0111\u1ea1i<\/p>\n","protected":false},"author":1,"featured_media":18297,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-18296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/18296","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=18296"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/18296\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/18297"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}