{"id":20200,"date":"2026-09-30T03:17:31","date_gmt":"2026-09-29T20:17:31","guid":{"rendered":"https:\/\/useful.vn\/?p=20200"},"modified":"2026-09-30T03:17:31","modified_gmt":"2026-09-29T20:17:31","slug":"nhan-vien-ngan-hang-chay-dua-tim-khach-gui-tien","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=20200","title":{"rendered":"Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u1ea1y \u0111ua t\u00ecm kh\u00e1ch g\u1eedi ti\u1ec1n"},"content":{"rendered":"
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\nNh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u1ea1y \u0111ua t\u00ecm kh\u00e1ch g\u1eedi ti\u1ec1n <\/h1>\n

Thu H\u1eb1ng m\u1ed7i ng\u00e0y ph\u1ea3i m\u1eddi ch\u00e0o v\u00e0i ch\u1ee5c kh\u00e1ch g\u1eedi ti\u1ebft ki\u1ec7m, th\u1eadm ch\u00ed b\u1ecf ti\u1ec1n t\u00fai l\u00e0m qu\u00e0 c\u1ea3m \u01a1n, nh\u01b0ng n\u1eeda th\u00e1ng m\u00e0 ch\u01b0a \u0111\u1ea1t 20% ch\u1ec9 ti\u00eau th\u1eed vi\u1ec7c.<\/p>\n

H\u1eb1ng, 23 tu\u1ed5i, m\u1edbi ra tr\u01b0\u1eddng v\u00e0 \u0111ang th\u1eed vi\u1ec7c \u1edf m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c doanh. C\u00f4 g\u00e1i ng\u01b0\u1eddi H\u1ea3i Ph\u00f2ng \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m 3 t\u1ef7 \u0111\u1ed3ng m\u1ed7i th\u00e1ng, bao g\u1ed3m t\u1ea1i qu\u1ea7y v\u00e0 tr\u1ef1c tuy\u1ebfn. Tu\u1ea7n th\u1eed vi\u1ec7c \u0111\u1ea7u ti\u00ean, c\u00f4 l\u1ee5c t\u00ecm c\u00e1c m\u1ed1i quan h\u1ec7 h\u1ecd h\u00e0ng, b\u1ea1n b\u00e8 t\u1eeb c\u1ea5p hai cho \u0111\u1ebfn \u0111\u1ea1i h\u1ecdc \u0111\u1ec3 m\u1eddi ch\u00e0o. Tu\u1ea7n ti\u1ebfp theo, c\u00f4 \u0111\u1ed5i chi\u1ebfn thu\u1eadt sang “n\u1eb1m v\u00f9ng” trong c\u00e1c h\u1ed9i nh\u00f3m Facebook v\u00e0 l\u1eadp t\u1ee9c nh\u1eafn tin, g\u1ecdi \u0111i\u1ec7n khi th\u1ea5y b\u1ea5t k\u1ef3 kh\u00e1ch n\u00e0o \u0111\u1ec3 l\u1ea1i s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, nh\u01b0ng nh\u1eadn l\u1ea1i \u0111\u1ec1u l\u00e0 nh\u1eefng c\u00e1i l\u1eafc \u0111\u1ea7u.<\/p>\n

“Huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m giai \u0111o\u1ea1n n\u00e0y kh\u00f3 \u0111\u1ee7 \u0111\u01b0\u1eddng”, H\u1eb1ng n\u00f3i.<\/p>\n

C\u00f4 g\u1eb7p kh\u00f3 kh\u00f4ng ch\u1ec9 v\u00ec thi\u1ebfu m\u1ed1i quan h\u1ec7 m\u00e0 c\u00f2n b\u1edfi l\u00e3i su\u1ea5t \u1edf ng\u00e2n h\u00e0ng qu\u1ed1c doanh ch\u1ec9 quanh 8%, trong khi c\u00e1c nh\u00e0 b\u0103ng t\u01b0 nh\u00e2n l\u00ean \u0111\u1ebfn 9%. Trao \u0111\u1ed5i v\u1edbi kh\u00e1ch, c\u00f4 li\u00ean t\u1ee5c nh\u1ea5n m\u1ea1nh v\u00e0o s\u1ef1 an to\u00e0n v\u00e0 uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng, nh\u1eb1m g\u1ee1 l\u1ea1i \u0111i\u1ec3m y\u1ebfu l\u00e3i su\u1ea5t. C\u00f4 h\u1ee9a b\u1ecf ti\u1ec1n t\u00fai 500.000 \u0111\u1ed3ng \u0111\u1ebfn 1 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 b\u00f9 m\u1ed9t ph\u1ea7n ch\u00eanh l\u1ec7ch.<\/p>\n

D\u00f9 v\u1eady, k\u1ebft qu\u1ea3 c\u0169ng kh\u00f4ng kh\u00e1 h\u01a1n. \u0110\u1ebfn gi\u1eefa th\u00e1ng n\u00e0y, H\u1eb1ng m\u1edbi m\u1edf \u0111\u01b0\u1ee3c hai s\u1ed5 t\u1ed5ng c\u1ed9ng kho\u1ea3ng 500 tri\u1ec7u \u0111\u1ed3ng, t\u1eeb m\u1ed9t kh\u00e1ch t\u00e1i t\u1ee5c t\u1ea1i qu\u1ea7y v\u00e0 t\u1eeb ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh m\u00ecnh.<\/p>\n

Kh\u00f4ng ri\u00eang ng\u01b0\u1eddi m\u1edbi v\u00e0o ngh\u1ec1, ch\u1ec9 ti\u00eau huy \u0111\u1ed9ng c\u0169ng \u0111ang b\u00e0o m\u00f2n s\u1ee9c l\u1ef1c nh\u1eefng nh\u00e2n vi\u00ean c\u00f3 th\u00e2m ni\u00ean. Kh\u00e1nh V\u00e2n, chuy\u00ean vi\u00ean kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t nh\u00e0 b\u0103ng trong di\u1ec7n chuy\u1ec3n giao b\u1eaft bu\u1ed9c, \u0111\u01b0\u1ee3c giao KPI 6 t\u1ef7 \u0111\u1ed3ng m\u1ed7i th\u00e1ng. Ch\u1ec9 ti\u00eau n\u00e0y c\u00f4 m\u1edbi nh\u1eadn v\u00e0i th\u00e1ng qua, t\u1eeb khi ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh huy \u0111\u1ed9ng, nh\u01b0ng ch\u01b0a l\u1ea7n n\u00e0o ho\u00e0n th\u00e0nh.<\/p>\n

V\u00e2n k\u1ec3 tr\u01b0\u1edbc \u0111\u00e2y c\u00f3 h\u01a1n 2 n\u0103m l\u00e0m m\u1ea3ng cho vay n\u00ean kh\u00f4ng m\u1ea5t th\u1eddi gian \u0111\u1ec3 b\u1eaft nh\u1ecbp v\u1edbi ch\u1ec9 ti\u00eau m\u1edbi. Tuy nhi\u00ean, c\u00f4 b\u1ea5t ng\u1edd v\u00ec m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh kh\u1ed1c li\u1ec7t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng, l\u1eabn c\u00e1c ph\u00f2ng giao d\u1ecbch trong c\u00f9ng \u0111\u01a1n v\u1ecb.<\/p>\n

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Poster gi\u1edbi thi\u1ec7u l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i do nh\u00e2n vi\u00ean m\u1ed9t ng\u00e2n h\u00e0ng d\u00f9ng AI t\u1ea1o. \u1ea2nh: Ph\u01b0\u01a1ng \u0110\u00f4ng<\/em><\/p>\n<\/figcaption><\/figure>\n

M\u1ed9t b\u00e0i \u0111\u0103ng trong c\u00e1c h\u1ed9i nh\u00f3m Facebook c\u00f3 h\u00e0ng tr\u0103m “banker” b\u00ecnh lu\u1eadn ch\u1ec9 sau v\u00e0i gi\u1edd. T\u1ea5t c\u1ea3 c\u00f9ng ch\u00e0o m\u1eddi l\u00e3i su\u1ea5t 9-9,5% m\u1ed9t n\u0103m, k\u00e8m cam k\u1ebft chi ngo\u00e0i, t\u1eb7ng th\u00eam hi\u1ec7n v\u1eadt hay voucher du l\u1ecbch. M\u1ed9t s\u1ed1 c\u00f2n d\u00f9ng AI thi\u1ebft k\u1ebf c\u00e1c poster v\u00e0 b\u1ecf ti\u1ec1n ch\u1ea1y qu\u1ea3ng c\u00e1o tr\u00ean nhi\u1ec1u n\u1ec1n t\u1ea3ng.<\/p>\n

\u00c1p l\u1ef1c ch\u1ec9 ti\u00eau v\u00e0 c\u1ea1nh tranh bu\u1ed9c V\u00e2n l\u00e0m vi\u1ec7c li\u00ean t\u1ee5c, t\u1eeb 7h s\u00e1ng \u0111\u1ebfn t\u1ed1i mu\u1ed9n. Kh\u00e1i ni\u1ec7m ngh\u1ec9 cu\u1ed1i tu\u1ea7n c\u0169ng kh\u00f4ng c\u00f2n, b\u1edfi l\u00fac n\u00e0o kh\u00e1ch h\u1ecfi l\u00e0 l\u1eadp t\u1ee9c tr\u1ea3 l\u1eddi ngay. Theo c\u00f4, s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c quy \u0111\u1ed5i th\u00e0nh \u0111i\u1ec3m hi\u1ec7u su\u1ea5t, quy\u1ebft \u0111\u1ecbnh tr\u1ef1c ti\u1ebfp thu nh\u1eadp h\u00e0ng th\u00e1ng v\u00e0 th\u01b0\u1edfng cu\u1ed1i n\u0103m.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, con s\u1ed1 20 t\u1ef7 \u0111\u1ed3ng m\u1ed7i th\u00e1ng khi\u1ebfn Minh Th\u01b0, chuy\u00ean vi\u00ean kinh doanh c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i H\u00e0 N\u1ed9i, m\u1ea5t \u0103n m\u1ea5t ng\u1ee7. C\u00e1c kho\u1ea3n g\u1eedi tr\u00ean 500 tri\u1ec7u \u0111\u1ed3ng \u0111\u01b0\u1ee3c c\u00f4 \u0111\u00e1nh gi\u00e1 qu\u00fd nh\u01b0 v\u00e0ng, b\u1edfi g\u1ea7n \u0111\u00e2y ng\u01b0\u1eddi d\u00e2n c\u00f3 xu h\u01b0\u1edbng chia nh\u1ecf kho\u1ea3n ti\u1ec1n, ch\u1ecdn k\u1ef3 h\u1ea1n ng\u1eafn v\u00e0 ph\u00e2n b\u1ed5 \u1edf nhi\u1ec1u n\u01a1i \u0111\u1ec3 t\u1ed1i \u01b0u l\u00e3i su\u1ea5t.<\/p>\n

“L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m li\u00ean t\u1ee5c t\u0103ng nh\u01b0ng ‘ch\u1ed1t deal’ kh\u00f4ng d\u1ec5, b\u1edfi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i v\u00e0 m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh t\u1ef7 l\u1ec7 ngh\u1ecbch v\u1edbi nhau”, c\u00f4 n\u00f3i.<\/p>\n

B\u00ean c\u1ea1nh ch\u1ea1y \u0111ua t\u00ecm kh\u00e1ch h\u00e0ng m\u1edbi, Th\u01b0 c\u00f2n nhi\u1ec7m v\u1ee5 gi\u1eef ch\u00e2n kh\u00e1ch c\u0169 tr\u01b0\u1edbc nguy c\u01a1 b\u1ecb \u0111\u1ed1i th\u1ee7 l\u00f4i k\u00e9o, t\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m. Nh\u1eefng th\u00e1ng qua, c\u00f4 g\u1eb7p kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c h\u1ee9a h\u1eb9n l\u00e3i su\u1ea5t nh\u1ec9nh h\u01a1n n\u00ean mu\u1ed1n t\u1ea5t to\u00e1n gi\u1eefa k\u1ef3. N\u1ebfu x\u1ea3y ra, hi\u1ec7u su\u1ea5t nh\u00e2n vi\u00ean ph\u1ee5 tr\u00e1ch b\u1ecb s\u1ee5t, k\u00e9o theo thu nh\u1eadp \u0111i xu\u1ed1ng. Do \u0111\u00f3, v\u00e0i tu\u1ea7n m\u1ed9t l\u1ea7n, c\u00f4 l\u1ea1i g\u1ecdi \u0111i\u1ec7n h\u1ecfi th\u0103m ho\u1eb7c g\u1eedi th\u00eam qu\u00e0 b\u00e1nh \u0111\u1ec3 ch\u0103m s\u00f3c kh\u00e1ch.<\/p>\n

\u00c1p l\u1ef1c ch\u1ec9 ti\u00eau v\u00e0 c\u1ea1nh tranh m\u00e0 H\u1eb1ng, V\u00e2n hay Th\u01b0 \u0111\u1ed1i di\u1ec7n kh\u00f4ng ph\u1ea3i c\u00e2u chuy\u1ec7n c\u00e1 bi\u1ec7t. Theo \u00f4ng Nguy\u1ec5n H\u01b0ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Ti\u00ean Phong (TPBank), c\u1ea1nh tranh \u1edf k\u00eanh ti\u1ec1n g\u1eedi d\u00e2n c\u01b0 \u0111ang cao do nhu c\u1ea7u v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf t\u0103ng l\u00ean, \u0111\u1eb7c bi\u1ec7t khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u s\u1ea3n xu\u1ea5t kinh doanh, ti\u00eau d\u00f9ng v\u00e0 c\u00e1c d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng tr\u1ecdng \u0111i\u1ec3m.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Ph\u01b0\u01a1ng \u0110\u00f4ng (OCB) cho r\u1eb1ng c\u00e1c nh\u00e0 b\u0103ng kh\u00f4ng ch\u1ec9 \u0111ua b\u1eb1ng l\u00e3i su\u1ea5t, m\u00e0 ng\u00e0y c\u00e0ng t\u1eadp trung v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, s\u1ef1 thu\u1eadn ti\u1ec7n, ch\u00ednh s\u00e1ch ch\u0103m s\u00f3c v\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/p>\n

\u00c1p l\u1ef1c c\u1ea1nh tranh c\u00e0ng \u0111\u01b0\u1ee3c khu\u1ebfch \u0111\u1ea1i trong b\u1ed1i c\u1ea3nh t\u0103ng tr\u01b0\u1edfng k\u00eanh huy \u0111\u1ed9ng truy\u1ec1n th\u1ed1ng c\u00f3 xu h\u01b0\u1edbng ch\u1eadm l\u1ea1i. <\/strong><\/span>T\u1ed5ng ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng trong to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ebfn h\u1ebft qu\u00fd II \u0111\u1ea1t 15,7 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 5% so v\u1edbi cu\u1ed1i n\u0103m ngo\u00e1i. Nhi\u1ec1u nh\u00e0 b\u0103ng l\u1edbn nh\u01b0 BIDV, Vietcombank, VietinBank, Agribank, LPBank, Sacombank… c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng ti\u1ec1n g\u1eedi b\u1eb1ng ho\u1eb7c th\u1ea5p h\u01a1n b\u00ecnh qu\u00e2n to\u00e0n ng\u00e0nh. M\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng nh\u01b0 ACB, Eximbank hay BacABank th\u1eadm ch\u00ed \u0111i l\u00f9i.<\/p>\n

\u0110\u1ec3 h\u00fat ti\u1ec1n, t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u00e0 gi\u1ea3i ph\u00e1p nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ef1a ch\u1ecdn. So v\u1edbi \u0111\u1ea7u n\u0103m, b\u00ecnh qu\u00e2n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n 6-12 th\u00e1ng \u0111\u00e3 nh\u00edch th\u00eam 1,5 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, l\u00ean 7,8% m\u1ed9t n\u0103m.<\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n nh\u01b0 MBV, Vikki… th\u1ef1c t\u1ebf \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 8,5-9,2% cho c\u00e1c k\u1ef3 h\u1ea1n ng\u1eafn. L\u00e3i su\u1ea5t theo di\u1ec7n th\u1ecfa thu\u1eadn c\u00f2n cao h\u01a1n, t\u00f9y thu\u1ed9c nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 s\u1ed1 ti\u1ec1n g\u1eedi, k\u1ef3 h\u1ea1n v\u00e0 th\u01b0\u01a1ng th\u1ea3o c\u1ee7a ng\u01b0\u1eddi g\u1eedi v\u1edbi nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. T\u1ea1i Ng\u00e2n h\u00e0ng Qu\u1ed1c D\u00e2n (NCB), m\u1ed9t s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ch\u00e0o l\u00e3i su\u1ea5t 9,3%, nh\u01b0ng nh\u00e2n vi\u00ean cho bi\u1ebft th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 cao h\u01a1n khi t\u00ednh \u0111i\u1ec3m quy \u0111\u1ed5i d\u1ecbch v\u1ee5 t\u1eb7ng k\u00e8m.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111ang t\u00ecm h\u01b0\u1edbng \u0111i kh\u00e1c. T\u1ea1i ACB – ng\u00e2n h\u00e0ng ghi nh\u1eadn ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng gi\u1ea3m trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, vi\u1ec7c ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 tr\u1edf th\u00e0nh ngu\u1ed3n b\u00f9 \u0111\u1eafp ch\u00ednh khi t\u0103ng tr\u01b0\u1edfng 50%. L\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng n\u00f3i chi\u1ebfn l\u01b0\u1ee3c n\u00e0y gi\u00fap h\u1ecd gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o ti\u1ec1n g\u1eedi d\u00e2n c\u01b0 truy\u1ec1n th\u1ed1ng, chuy\u1ec3n sang huy \u0111\u1ed9ng t\u1eeb doanh nghi\u1ec7p v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh phi ng\u00e2n h\u00e0ng v\u1edbi k\u1ef3 h\u1ea1n d\u00e0i v\u00e0 chi ph\u00ed h\u1ee3p l\u00fd h\u01a1n.<\/p>\n

C\u00f2n theo T\u1ed5ng gi\u00e1m \u0111\u1ed1c TPBank, nh\u00e0 b\u0103ng n\u00e0y \u01b0u ti\u00ean ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a ngu\u1ed3n v\u1ed1n thay v\u00ec ch\u1ea1y \u0111ua l\u00e3i su\u1ea5t. H\u1ecd t\u1eadp trung ph\u00e1t tri\u1ec3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n (CASA) b\u1eb1ng c\u00e1ch khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 ti\u1ec7n \u00edch.<\/p>\n

“Trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, ch\u00fang t\u00f4i kh\u00f4ng \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n b\u1eb1ng m\u1ecdi gi\u00e1”, \u00f4ng H\u01b0ng n\u00f3i.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, l\u00e3nh \u0111\u1ea1o OCB kh\u1eb3ng \u0111\u1ecbnh kh\u00f4ng t\u1ea1o \u00e1p l\u1ef1c t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng cho nh\u00e2n vi\u00ean b\u1eb1ng c\u00e1c bi\u1ec7n ph\u00e1p kh\u00f4ng ph\u00f9 h\u1ee3p, m\u00e0 t\u1eadp trung v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m v\u00e0 m\u1ed1i quan h\u1ec7 l\u00e2u d\u00e0i. Ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ch\u1ee7 tr\u01b0\u01a1ng nh\u00e2n vi\u00ean chi ngo\u00e0i ho\u1eb7c cam k\u1ebft v\u1edbi kh\u00e1ch h\u00e0ng l\u00e3i su\u1ea5t, l\u1ee3i \u00edch kh\u00f4ng n\u1eb1m trong ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t.<\/p>\n

Ph\u01b0\u01a1ng \u0110\u00f4ng<\/strong><\/p>\n

* T\u00ean nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i <\/em><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/nhan-vien-ngan-hang-chay-dua-tim-khach-gui-tien-5110600.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u1ea1y \u0111ua t\u00ecm kh\u00e1ch g\u1eedi ti\u1ec1n Thu H\u1eb1ng m\u1ed7i ng\u00e0y ph\u1ea3i m\u1eddi ch\u00e0o v\u00e0i ch\u1ee5c kh\u00e1ch g\u1eedi ti\u1ebft ki\u1ec7m, th\u1eadm ch\u00ed b\u1ecf ti\u1ec1n t\u00fai l\u00e0m qu\u00e0 c\u1ea3m \u01a1n, nh\u01b0ng n\u1eeda th\u00e1ng m\u00e0 ch\u01b0a \u0111\u1ea1t 20% ch\u1ec9 ti\u00eau th\u1eed vi\u1ec7c. H\u1eb1ng, 23 tu\u1ed5i, m\u1edbi ra tr\u01b0\u1eddng v\u00e0 \u0111ang th\u1eed vi\u1ec7c \u1edf m\u1ed9t<\/p>\n","protected":false},"author":1,"featured_media":20201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-20200","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\/20200","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=20200"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/20200\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/20201"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}