{"id":6435,"date":"2026-07-25T15:47:43","date_gmt":"2026-07-25T08:47:43","guid":{"rendered":"https:\/\/useful.vn\/?p=6435"},"modified":"2026-07-25T15:47:43","modified_gmt":"2026-07-25T08:47:43","slug":"vcci-doanh-nghiep-khat-von-vi-rao-can-tai-san-the-chap","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=6435","title":{"rendered":"VCCI: Doanh nghi\u1ec7p ‘kh\u00e1t v\u1ed1n’ v\u00ec r\u00e0o c\u1ea3n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p"},"content":{"rendered":"
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\nVCCI: Doanh nghi\u1ec7p ‘kh\u00e1t v\u1ed1n’ v\u00ec r\u00e0o c\u1ea3n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p <\/h1>\n

\u0110\u00e0 N\u1eb5ng<\/span>Thi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p khi\u1ebfn doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n, \u0111\u00f2i h\u1ecfi ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea7n chuy\u1ec3n d\u1ecbch sang m\u00f4 h\u00ecnh cho vay theo d\u00f2ng ti\u1ec1n.<\/p>\n

Th\u00f4ng tin \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i h\u1ed9i th\u1ea3o “Qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n v\u00e0 kh\u01a1i th\u00f4ng ngu\u1ed3n v\u1ed1n cho doanh nghi\u1ec7p trong b\u1ed1i c\u1ea3nh m\u1edbi”, ng\u00e0y 3\/7.<\/p>\n

Theo B\u00e1o c\u00e1o PCI 2025 c\u1ee7a Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), ti\u1ebfp c\u1eadn v\u1ed1n v\u1eabn l\u00e0 r\u00e0o c\u1ea3n l\u1edbn \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p. C\u1ee5 th\u1ec3, h\u01a1n 21% doanh nghi\u1ec7p coi ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh l\u00e0 kh\u00f3 kh\u0103n l\u1edbn nh\u1ea5t, cao h\u01a1n m\u1ee9c b\u00ecnh qu\u00e2n to\u00e0n c\u1ea7u (17,8%) v\u00e0 khu v\u1ef1c \u0110\u00f4ng \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (15,7%).<\/p>\n

C\u00f3 \u0111\u1ebfn 8,2% doanh nghi\u1ec7p kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng ho\u1eb7c kh\u00f4ng d\u00e1m n\u1ed9p h\u1ed3 s\u01a1 vay do \u0111i\u1ec1u ki\u1ec7n b\u1ea5t l\u1ee3i. Kho\u1ea3ng 18% doanh nghi\u1ec7p kh\u00e1c ch\u1ec9 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n nhu c\u1ea7u v\u1ed1n.<\/p>\n

T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p hi\u1ec7n l\u00e0 r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean \u0111i vay, theo b\u00e1o c\u00e1o PCI 2025. Kho\u1ea3ng 75% doanh nghi\u1ec7p tham gia kh\u1ea3o s\u00e1t c\u1ee7a VCCI ph\u1ea3n \u00e1nh vi\u1ec7c h\u1ecd kh\u00f4ng th\u1ec3 vay v\u1ed1n n\u1ebfu thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

“T\u1ef7 l\u1ec7 c\u00e1c kho\u1ea3n vay y\u00eau c\u1ea7u t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ea1i Vi\u1ec7t Nam l\u00ean t\u1edbi 93,5%, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c b\u00ecnh qu\u00e2n to\u00e0n c\u1ea7u, c\u0169ng nh\u01b0 c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c nh\u01b0 Malaysia v\u00e0 Th\u00e1i Lan”, \u00f4ng H\u1ed3 Anh Tu\u00e2n, Ph\u00f3 gi\u00e1m \u0111\u1ed1c VCCI mi\u1ec1n Trung – T\u00e2y Nguy\u00ean, cho bi\u1ebft.<\/p>\n

Th\u1ef1c tr\u1ea1ng n\u00e0y cho th\u1ea5y c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn \u01b0u ti\u00ean t\u00e0i s\u1ea3n h\u1eefu h\u00ecnh, trong khi m\u00f4 h\u00ecnh cho vay d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n ho\u1eb7c ph\u01b0\u01a1ng \u00e1n kinh doanh ch\u01b0a \u0111\u01b0\u1ee3c tri\u1ec3n khai r\u1ed9ng r\u00e3i.<\/p>\n

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C\u00f4ng nh\u00e2n l\u00e0m vi\u1ec7c t\u1ea1i m\u1ed9t nh\u00e0 m\u00e1y \u1edf \u0110\u00e0 N\u1eb5ng. \u1ea2nh: Nguy\u1ec5n \u0110\u00f4ng<\/em><\/p>\n<\/figcaption><\/figure>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u00e1p l\u1ef1c chi ph\u00ed ph\u00e1t sinh c\u0169ng khi\u1ebfn doanh nghi\u1ec7p g\u1eb7p kh\u00f3. Kh\u1ea3o s\u00e1t cho th\u1ea5y 56,3% \u0111\u01a1n v\u1ecb b\u1ecb \u00e1p \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng v\u00e0 l\u00e3i su\u1ea5t kh\u1eaft khe h\u01a1n doanh nghi\u1ec7p l\u1edbn, doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc. Ngo\u00e0i ra, 46,1% doanh nghi\u1ec7p b\u1ecb thay \u0111\u1ed5i \u0111i\u1ec1u kho\u1ea3n vay theo h\u01b0\u1edbng b\u1ea5t l\u1ee3i v\u00e0 44,5% v\u1eabn ph\u1ea3i chi kho\u1ea3n “b\u1ed3i d\u01b0\u1ee1ng” \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n.<\/p>\n

Th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 ph\u1ee9c t\u1ea1p c\u0169ng l\u00e0 nguy\u00ean nh\u00e2n khi\u1ebfn doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n. Kh\u1ea3o s\u00e1t c\u1ee7a VCCI ghi nh\u1eadn 45% doanh nghi\u1ec7p \u0111\u00e1nh gi\u00e1 th\u1ee7 t\u1ee5c vay v\u1ed1n c\u00f2n phi\u1ec1n h\u00e0. Nhi\u1ec1u doanh nghi\u1ec7p ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng ph\u1ea3i t\u1ea5t to\u00e1n kho\u1ea3n vay c\u0169 theo cam k\u1ebft m\u1edbi \u0111\u01b0\u1ee3c vay m\u1edbi, nh\u01b0ng sau \u0111\u00f3 h\u1ed3 s\u01a1 l\u1ea1i b\u1ecb d\u1eebng ho\u1eb7c c\u1eaft gi\u1ea3m h\u1ea1n m\u1ee9c.<\/p>\n

Theo \u00f4ng H\u1ed3 Anh Tu\u00e2n, th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p v\u00e0 kho\u1ea3ng tr\u1ed1ng th\u00f4ng tin \u0111\u00e3 t\u1ea1o th\u00e0nh v\u00f2ng lu\u1ea9n qu\u1ea9n, khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n ngay t\u1eeb b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean.<\/p>\n

Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng tr\u00ean, c\u00e1c doanh nghi\u1ec7p ki\u1ebfn ngh\u1ecb c\u00e1c ng\u00e2n h\u00e0ng n\u00ean t\u1eebng b\u01b0\u1edbc chuy\u1ec3n t\u1eeb m\u00f4 h\u00ecnh d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p sang \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 kinh doanh v\u00e0 uy t\u00edn th\u1ef1c t\u1ebf.<\/p>\n

Theo \u00f4ng D\u01b0\u01a1ng Qu\u1ed1c Anh, nguy\u00ean Ph\u00f3 ch\u1ee7 nhi\u1ec7m \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i, ch\u1ee7 tr\u01b0\u01a1ng chuy\u1ec3n d\u1ecbch sang \u0111\u00e1nh gi\u00e1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n \u0111\u00e3 \u0111\u1eb7t ra t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc nh\u01b0ng th\u1ef1c t\u1ebf tri\u1ec3n khai c\u00f2n kh\u00f3 kh\u0103n do th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng v\u00e0 r\u1ee7i ro t\u00edn d\u1ee5ng gia t\u0103ng. \u00d4ng cho r\u1eb1ng \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t hi\u1ec7n nay l\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n hi\u1ec3u r\u00f5 n\u0103ng l\u1ef1c, d\u00f2ng ti\u1ec1n c\u1ee7a doanh nghi\u1ec7p. Ng\u01b0\u1ee3c l\u1ea1i, doanh nghi\u1ec7p ph\u1ea3i n\u1eafm r\u00f5 quy \u0111\u1ecbnh th\u1ea9m \u0111\u1ecbnh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

C\u00f9ng quan \u0111i\u1ec3m, \u00f4ng L\u00ea Thanh Qu\u00fd Ng\u1ecdc, Quy\u1ec1n T\u1ed5ng gi\u00e1m \u0111\u1ed1c VietBank, nh\u1eadn \u0111\u1ecbnh t\u1eeb kh\u00f3a quan tr\u1ecdng nh\u1ea5t l\u00e0 “th\u1ea5u hi\u1ec3u kh\u00e1ch h\u00e0ng”. \u0110\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, doanh nghi\u1ec7p ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng minh b\u1ea1ch th\u00f4ng tin v\u1ec1 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n.<\/p>\n

“Doanh nghi\u1ec7p c\u00f3 n\u1ec1n t\u1ea3ng ho\u1ea1t \u0111\u1ed9ng r\u00f5 r\u00e0ng, d\u00f2ng ti\u1ec1n minh b\u1ea1ch v\u00e0 l\u1ecbch s\u1eed kinh doanh t\u1ed1t th\u00ec vi\u1ec7c cho vay t\u00edn ch\u1ea5p hay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 qu\u00e1 l\u1edbn”, \u00f4ng Ng\u1ecdc n\u00f3i.<\/p>\n

\u0110\u1ea1i di\u1ec7n VietBank khuy\u1ebfn ngh\u1ecb c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u1ea7n thay \u0111\u1ed5i t\u01b0 duy, s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00fang m\u1ee5c \u0111\u00edch v\u00e0 l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n vay ph\u00f9 h\u1ee3p v\u1edbi chu k\u1ef3 d\u00f2ng ti\u1ec1n. \u0110\u1ed3ng th\u1eddi, c\u00e1c doanh nghi\u1ec7p c\u0169ng c\u1ea7n t\u1eebng b\u01b0\u1edbc t\u00e1ch b\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u1edbi t\u00e0i ch\u00ednh doanh nghi\u1ec7p, ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng k\u1ebf to\u00e1n v\u00e0 t\u0103ng thanh to\u00e1n qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f3 l\u1ecbch s\u1eed giao d\u1ecbch minh b\u1ea1ch.<\/p>\n

Nguy\u1ec5n \u0110\u00f4ng<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/vcci-doanh-nghiep-khat-von-vi-rao-can-tai-san-the-chap-5093231.html<\/p>\n","protected":false},"excerpt":{"rendered":"

VCCI: Doanh nghi\u1ec7p ‘kh\u00e1t v\u1ed1n’ v\u00ec r\u00e0o c\u1ea3n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0110\u00e0 N\u1eb5ngThi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p khi\u1ebfn doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n, \u0111\u00f2i h\u1ecfi ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea7n chuy\u1ec3n d\u1ecbch sang m\u00f4 h\u00ecnh cho vay theo d\u00f2ng ti\u1ec1n. Th\u00f4ng tin \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i h\u1ed9i th\u1ea3o “Qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n v\u00e0 kh\u01a1i th\u00f4ng<\/p>\n","protected":false},"author":1,"featured_media":6436,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-6435","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\/6435","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=6435"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/6435\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/6436"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6435"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6435"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6435"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}