{"id":1311,"date":"2026-06-09T12:15:12","date_gmt":"2026-06-09T05:15:12","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=1311"},"modified":"2026-06-16T23:34:40","modified_gmt":"2026-06-16T16:34:40","slug":"diem-mu-tin-dung-dnnvv-viet-nam-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/diem-mu-tin-dung-dnnvv-viet-nam-2026\/","title":{"rendered":"Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba Vi\u1ec7t Nam kh\u00f4ng vay \u0111\u01b0\u1ee3c v\u1ed1n v\u00ec \u0111i\u1ec1u g\u00ec - v\u00e0 d\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac gi\u1ea3i quy\u1ebft th\u1ebf n\u00e0o"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>T\u00f3m t\u1eaft nhanh:<\/strong> Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV) chi\u1ebfm kho\u1ea3ng 97% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam (T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea, 2025), nh\u01b0ng ph\u1ea7n l\u1edbn kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng DNNVV ch\u00ednh th\u1ee9c v\u00ec \u0111\u01a1n v\u1ecb cho vay thi\u1ebfu c\u01a1 s\u1edf \u0111\u00e1nh gi\u00e1. Nguy\u00ean nh\u00e2n g\u1ed1c r\u1ec5 l\u00e0 \u0111i\u1ec3m m\u00f9 d\u1eef li\u1ec7u: CIC kh\u00f4ng ph\u1ea3n \u00e1nh s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i. D\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng \u0111\u00f3.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"852\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business.jpg\" alt=\"T\u00edn d\u1ee5ng DNNVV Vi\u1ec7t Nam - doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba chu\u1ed7i cung \u1ee9ng\" class=\"wp-image-1238\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-300x200.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-1024x682.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-768x511.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-18x12.jpg 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\">T\u00edn d\u1ee5ng DNNVV t\u1ea1i Vi\u1ec7t Nam b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi kho\u1ea3ng tr\u1ed1ng d\u1eef li\u1ec7u m\u00e0 CIC kh\u00f4ng l\u1ea5p \u0111\u1ea7y \u0111\u01b0\u1ee3c.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec3m M\u00f9 T\u00edn D\u1ee5ng DNNVV L\u00e0 G\u00ec, V\u00e0 T\u1ea1i Sao N\u00f3 Quan Tr\u1ecdng V\u00e0o L\u00fac N\u00e0y?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m m\u00f9 t\u00edn d\u1ee5ng DNNVV l\u00e0 s\u1ef1 b\u1ea5t t\u01b0\u01a1ng x\u1ee9ng c\u01a1 c\u1ea5u gi\u1eefa th\u00f4ng tin m\u00e0 \u0111\u01a1n v\u1ecb cho vay c\u1ea7n v\u00e0 th\u00f4ng tin m\u00e0 c\u00e1c trung t\u00e2m t\u00edn d\u1ee5ng cung c\u1ea5p. Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng (CIC) - c\u01a1 quan \u0111\u01b0\u1ee3c NHNN qu\u1ea3n l\u00fd - ch\u1ec9 m\u1edf h\u1ed3 s\u01a1 cho nh\u1eefng doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 quan h\u1ec7 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c. N\u1ebfu m\u1ed9t c\u00f4ng ty ch\u01b0a t\u1eebng vay v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng hay t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, doanh nghi\u1ec7p \u0111\u00f3 th\u1ef1c t\u1ebf kh\u00f4ng t\u1ed3n t\u1ea1i trong h\u1ec7 th\u1ed1ng CIC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VnEconomy \u0111\u00e3 \u0111\u01b0a tin v\u00e0o th\u00e1ng 5 n\u0103m 2026: DNNVV \"kh\u00f3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng v\u00ec \u0111i\u1ec3m m\u00f9 d\u1eef li\u1ec7u\" - n\u00eau th\u1eb3ng v\u1ea5n \u0111\u1ec1 ch\u00ednh x\u00e1c l\u00e0 thi\u1ebfu d\u1eef li\u1ec7u, kh\u00f4ng ph\u1ea3i thi\u1ebfu n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3. C\u00f9ng th\u1eddi \u0111i\u1ec3m, 12 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ghi nh\u1eadn ti\u1ec1n g\u1eedi gi\u1ea3m trong qu\u00fd 1 n\u0103m 2026 (VnEconomy, th\u00e1ng 5 n\u0103m 2026), l\u00e0m thu h\u1eb9p ngu\u1ed3n v\u1ed1n cho vay ch\u00ednh x\u00e1c v\u00e0o l\u00fac n\u1ec1n kinh t\u1ebf c\u1ea7n nh\u1ea5t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00ec Sao H\u1ed3 S\u01a1 CIC L\u1ea1i B\u1ecf L\u1ecdt Nhi\u1ec1u DNNVV Vi\u1ec7t Nam \u0110\u1ebfn V\u1eady?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CIC \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 1993 v\u00e0 hi\u1ec7n qu\u1ea3n l\u00fd kho\u1ea3ng 37 tri\u1ec7u h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng (CIC, 2025). C\u00f3 ba nguy\u00ean nh\u00e2n c\u01a1 c\u1ea5u t\u1ea1o ra \u0111i\u1ec3m m\u00f9 t\u00edn d\u1ee5ng DNNVV.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u1ee9 nh\u1ea5t,<\/strong> h\u1ed3 s\u01a1 CIC ch\u1ec9 \u0111\u01b0\u1ee3c t\u1ed5ng h\u1ee3p t\u1eeb b\u00e1o c\u00e1o c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00e0nh vi\u00ean. M\u1ed9t c\u00f4ng ty ch\u1ec9 \u0111\u01b0\u1ee3c m\u1edf h\u1ed3 s\u01a1 khi vay ti\u1ec1n t\u1eeb th\u00e0nh vi\u00ean CIC. T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea ghi nh\u1eadn kho\u1ea3ng 940.000 doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng n\u0103m 2025; m\u1ed9t t\u1ef7 l\u1ec7 \u0111\u00e1ng k\u1ec3 - t\u1eadp trung \u1edf nh\u00f3m si\u00eau nh\u1ecf v\u00e0 nh\u1ecf - ch\u01b0a bao gi\u1edd c\u00f3 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u1ee9 hai,<\/strong> h\u1ed3 s\u01a1 CIC m\u00f4 t\u1ea3 h\u00e0nh vi t\u00edn d\u1ee5ng trong qu\u00e1 kh\u1ee9, kh\u00f4ng ph\u1ea3n \u00e1nh s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i. Th\u00f4ng tin \u0111\u00f3 kh\u00f4ng cho bi\u1ebft g\u00ec v\u1ec1 d\u00f2ng ti\u1ec1n hi\u1ec7n t\u1ea1i, c\u00e1c kho\u1ea3n ph\u1ea3i thu, hay c\u01a1 c\u1ea5u s\u1edf h\u1eefu c\u1ee7a doanh nghi\u1ec7p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u1ee9 ba,<\/strong> Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c T\u00edn d\u1ee5ng (Lu\u1eadt 32\/2024\/QH15) si\u1ebft ch\u1eb7t chu\u1ea9n b\u00e1o c\u00e1o nh\u01b0ng kh\u00f4ng m\u1edf r\u1ed9ng ph\u1ea1m vi CIC sang c\u00e1c doanh nghi\u1ec7p n\u1eb1m ngo\u00e0i v\u00f2ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u1eef Li\u1ec7u C\u00f3 C\u1ea5u Tr\u00fac N\u00e0o T\u1ed3n T\u1ea1i Cho DNNVV Vi\u1ec7t Nam?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nhi\u1ec1u l\u1edbp d\u1eef li\u1ec7u v\u1eabn t\u1ed3n t\u1ea1i cho DNNVV Vi\u1ec7t Nam ngay c\u1ea3 khi h\u1ed3 s\u01a1 CIC l\u00e0 tr\u1ed1ng.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>C\u01a1 s\u1edf \u0111\u0103ng k\u00fd doanh nghi\u1ec7p qu\u1ed1c gia:<\/strong> L\u01b0u gi\u1eef h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd c\u1ee7a t\u1ea5t c\u1ea3 doanh nghi\u1ec7p Vi\u1ec7t Nam, bao g\u1ed3m h\u00ecnh th\u1ee9c ph\u00e1p l\u00fd, v\u1ed1n \u0111i\u1ec1u l\u1ec7, \u0111\u1ecba ch\u1ec9 \u0111\u0103ng k\u00fd, m\u00e3 VSIC ng\u00e0nh ngh\u1ec1, v\u00e0 t\u00ean ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt. DataCore thu n\u1ea1p v\u00e0 chu\u1ea9n h\u00f3a b\u1ed9 \u0111\u0103ng k\u00fd n\u00e0y cho 940.000+ doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng.<\/li>\n<li><strong>T\u00edn hi\u1ec7u thu\u1ebf v\u00e0 h\u1ea3i quan:<\/strong> T\u1ed5ng c\u1ee5c Thu\u1ebf qu\u1ea3n l\u00fd t\u00ecnh tr\u1ea1ng tu\u00e2n th\u1ee7 thu\u1ebf c\u1ee7a t\u1ea5t c\u1ea3 doanh nghi\u1ec7p \u0111\u0103ng k\u00fd. Tr\u1ea1ng th\u00e1i tu\u00e2n th\u1ee7 v\u00e0 m\u1ed9t s\u1ed1 ch\u1ec9 s\u1ed1 n\u1ed9p t\u1edd khai v\u1eabn c\u00f3 th\u1ec3 truy c\u1eadp.<\/li>\n<li><strong>H\u1ed3 s\u01a1 doanh nghi\u1ec7p v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh:<\/strong> C\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft tr\u00ean HOSE, HNX, v\u00e0 UPCOM n\u1ed9p b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u00f3 ki\u1ec3m to\u00e1n h\u00e0ng qu\u00fd. DataCore tr\u00edch xu\u1ea5t v\u00e0 c\u1ea5u tr\u00fac h\u00f3a c\u00e1c h\u1ed3 s\u01a1 n\u00e0y th\u00e0nh c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u00f3 th\u1ec3 truy v\u1ea5n.<\/li>\n<li><strong>B\u1ea3n \u0111\u1ed3 s\u1edf h\u1eefu v\u00e0 quan h\u1ec7 li\u00ean k\u1ebft:<\/strong> DataCore s\u1eed d\u1ee5ng k\u1ef9 thu\u1eadt graph embedding \u0111\u1ec3 v\u00e9t s\u01a1 \u0111\u1ed3 chu\u1ed7i s\u1edf h\u1eefu, l\u00e0m l\u1ed9 c\u00e1c quan h\u1ec7 li\u00ean k\u1ebft m\u00e0 tra c\u1ee9u th\u1ee7 c\u00f4ng s\u1ebd b\u1ecf s\u00f3t.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch C\u00e1c B\u1ed9 Ph\u1eadn T\u00e0i Ch\u00ednh Chu\u1ed7i Cung \u1ee8ng \u00c1p D\u1ee5ng D\u1eef Li\u1ec7u DNNVV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c b\u1ed9 ph\u1eadn mua h\u00e0ng, qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ed1i t\u00e1c, v\u00e0 ki\u1ec3m to\u00e1n tu\u00e2n th\u1ee7 c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn \u0111ang d\u00f9ng d\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ed1i t\u00e1c DNNVV n\u1eb1m ngo\u00e0i ph\u1ea1m vi CIC. Quy tr\u00ecnh g\u1ed3m ba giai \u0111o\u1ea1n: (1) ph\u00e2n gi\u1ea3i \u0111\u1ecbnh danh - nh\u1eadn \u0111\u1ea7u v\u00e0o l\u00e0 t\u00ean c\u00f4ng ty ho\u1eb7c m\u00e3 s\u1ed1 thu\u1ebf v\u00e0 tr\u1ea3 v\u1ec1 h\u1ed3 s\u01a1 th\u1ef1c th\u1ec3 chu\u1ea9n m\u1ef1c; (2) \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh - v\u1ed1n \u0111i\u1ec1u l\u1ec7, th\u1eddi h\u1ea1n ni\u00eam y\u1ebft ban l\u00e3nh \u0111\u1ea1o, th\u1ed1ng k\u00ea ngang h\u00e0ng ng\u00e0nh; (3) v\u1ebd b\u1ea3n \u0111\u1ed3 m\u1ea1ng l\u01b0\u1edbi s\u1edf h\u1eefu cho c\u00e1c \u0111\u1ed1i t\u00e1c r\u1ee7i ro cao.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00edn d\u1ee5ng DNNVV kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 \u0111\u00fang m\u1ee9c ch\u1ec9 d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 CIC khi ph\u1ea7n l\u1edbn DNNVV kh\u00f4ng c\u00f3 h\u1ed3 s\u01a1. \u0110\u00e2y l\u00e0 l\u00fd do d\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac \u0111ang tr\u1edf th\u00e0nh l\u1edbp d\u1eef li\u1ec7u kh\u00f4ng th\u1ec3 thi\u1ebfu trong quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh \u0111\u1ed1i t\u00e1c t\u1ea1i Vi\u1ec7t Nam. Xem th\u00eam: <a href=\"https:\/\/blog.datacore.vn\/vi\/kyb-onboarding-vietnam-resolver\/\">Quy tr\u00ecnh KYB onboarding c\u1ee7a fintech Vi\u1ec7t Nam<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quy Tr\u00ecnh DataCore \u0110\u1ec3 S\u00e0ng L\u1ecdc \u0110\u1ed1i T\u00e1c DNNVV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quy tr\u00ecnh th\u1ef1c t\u1ebf cho b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng doanh nghi\u1ec7p ho\u1eb7c t\u00e0i ch\u00ednh chu\u1ed7i cung \u1ee9ng s\u1eed d\u1ee5ng <a href=\"https:\/\/datacore.vn\/en\/services\/company-intelligence\" target=\"_blank\" rel=\"noopener noreferrer\">DataCore Company Intelligence API<\/a>:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>G\u1eedi m\u1ed9t l\u00f4 \u0111\u1ecbnh danh \u0111\u1ed1i t\u00e1c (t\u00ean c\u00f4ng ty, m\u00e3 s\u1ed1 thu\u1ebf, ho\u1eb7c m\u00e3 ch\u1ee9ng kho\u00e1n) v\u00e0o endpoint Company Intelligence. DataCore tr\u1ea3 v\u1ec1 danh s\u00e1ch th\u1ef1c th\u1ec3 \u0111\u00e3 ph\u00e2n gi\u1ea3i v\u1edbi \u0111i\u1ec3m tin c\u1eady t\u01b0\u01a1ng \u1ee9ng.<\/li>\n<li>Truy v\u1ea5n \u1ea3nh ch\u1ee5p c\u0103n b\u1ea3n cho t\u1eebng th\u1ef1c th\u1ec3: tr\u1ea1ng th\u00e1i \u0111\u0103ng k\u00fd, v\u1ed1n \u0111i\u1ec1u l\u1ec7, t\u00ean ban l\u00e3nh \u0111\u1ea1o, m\u00e3 VSIC, v\u00e0 th\u1ed1ng k\u00ea ngang h\u00e0ng ng\u00e0nh.<\/li>\n<li>Ch\u1ea1y truy v\u1ea5n chu\u1ed7i s\u1edf h\u1eefu cho \u0111\u1ed1i t\u00e1c r\u1ee7i ro cao. K\u1ebft qu\u1ea3 l\u00e0 c\u00e2y s\u1edf h\u1eefu to\u00e0n ph\u1ea7n v\u1edbi m\u1ed7i n\u00fat \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd ngu\u1ed3n.<\/li>\n<li>Xu\u1ea5t k\u1ebft qu\u1ea3 d\u1ea1ng JSON ho\u1eb7c CSV v\u1edbi DataCore Company ID, \u0111i\u1ec3m tin c\u1eady, v\u00e0 t\u00f3m t\u1eaft chu\u1ed7i s\u1edf h\u1eefu. M\u1ed7i tr\u01b0\u1eddng \u0111\u1ec1u c\u00f3 m\u1ed1c th\u1eddi gian <code>data_as_of<\/code> h\u1ed7 tr\u1ee3 y\u00eau c\u1ea7u v\u1ebft ki\u1ec3m to\u00e1n theo Ngh\u1ecb \u0111\u1ecbnh 13\/2023\/N\u0110-CP.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi gian ph\u1ea3n h\u1ed3i cho tra c\u1ee9u \u0111\u01a1n l\u1ebb trung b\u00ecnh d\u01b0\u1edbi 2 gi\u00e2y; x\u1eed l\u00fd l\u00f4 500 th\u1ef1c th\u1ec3 ho\u00e0n th\u00e0nh trong v\u00e0i ph\u00fat. To\u00e0n b\u1ed9 quy tr\u00ecnh ch\u1ea1y qua REST API ho\u1eb7c giao di\u1ec7n web DataCore.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng G\u00ec D\u1eef Li\u1ec7u N\u00e0y Kh\u00f4ng Th\u1ec3 Thay Th\u1ebf Khi \u0110\u00e1nh Gi\u00e1 T\u00edn D\u1ee5ng DNNVV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac l\u00e0 c\u00f4ng c\u1ee5 b\u1ed5 tr\u1ee3, kh\u00f4ng ph\u1ea3i thay th\u1ebf ki\u1ec3m \u0111\u1ecbnh th\u1ef1c \u0111\u1ecba. DataCore gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n \u0111\u1ecbnh danh v\u00e0 l\u00e0m l\u1ed9 nh\u1eefng g\u00ec \u0111\u00e3 \u0111\u0103ng k\u00fd v\u00e0 khai b\u00e1o. N\u00f3 kh\u00f4ng thay th\u1ebf ph\u1ecfng v\u1ea5n ban l\u00e3nh \u0111\u1ea1o, ki\u1ec3m tra th\u1ef1c t\u1ebf, hay ph\u00e1n x\u00e9t r\u1ee7i ro mang t\u00ednh quan h\u1ec7 c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">DataCore c\u0169ng kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft ho\u00e0n to\u00e0n d\u1eef li\u1ec7u cho h\u1ed9 kinh doanh c\u00e1 th\u1ec3 - nh\u00f3m \u01b0\u1edbc t\u00ednh tr\u00ean 5 tri\u1ec7u h\u1ed9 t\u1ea1i Vi\u1ec7t Nam (T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea, 2025). Nh\u00f3m n\u00e0y \u0111\u0103ng k\u00fd theo ch\u00ednh s\u00e1ch qu\u1ed1c gia kh\u00e1c bi\u1ec7t v\u00e0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c thu n\u1ea1p v\u00e0o c\u01a1 s\u1edf \u0111\u0103ng k\u00fd doanh nghi\u1ec7p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Xem th\u00eam ph\u00e2n t\u00edch li\u00ean quan v\u1ec1 quy \u0111\u1ecbnh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn DNNVV: <a href=\"https:\/\/blog.datacore.vn\/vi\/chin-thong-tu-nhnn-thang-5-2026-tuan-thu\/\">Ch\u00edn th\u00f4ng t\u01b0 NHNN th\u00e1ng 5\/2026 v\u00e0 tu\u00e2n th\u1ee7 chu\u1ed7i cung \u1ee9ng<\/a>. Ngo\u00e0i ra, t\u00e1c \u0111\u1ed9ng c\u1ee7a <a href=\"https:\/\/blog.datacore.vn\/vi\/vietnam-commune-merger-bank-address-cleanup\/\">s\u00e1p nh\u1eadp x\u00e3 ph\u01b0\u1eddng 2025 \u0111\u1ebfn d\u1eef li\u1ec7u \u0111\u1ecba ch\u1ec9 kinh doanh<\/a> c\u0169ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng h\u1ed3 s\u01a1 CIC c\u1ee7a DNNVV t\u1ea1i c\u00e1c \u0111\u1ecba b\u00e0n b\u1ecb s\u00e1p nh\u1eadp.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p V\u1ec1 T\u00edn D\u1ee5ng DNNVV V\u00e0 D\u1eef Li\u1ec7u C\u00f3 C\u1ea5u Tr\u00fac<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">D\u1eef li\u1ec7u DataCore c\u00f3 thay th\u1ebf k\u1ebft qu\u1ea3 tra c\u1ee9u CIC trong quy\u1ebft \u0111\u1ecbnh cho vay DNNVV kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. DataCore Company Intelligence l\u00e0 l\u1edbp d\u1eef li\u1ec7u cho \u0111\u00e1nh gi\u00e1 \u0111\u1ed1i t\u00e1c, kh\u00f4ng ph\u1ea3i v\u0103n ph\u00f2ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u1ea1i Vi\u1ec7t Nam v\u1eabn ph\u1ea3i tra c\u1ee9u CIC tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a NHNN. D\u1eef li\u1ec7u DataCore \u0111\u01b0\u1ee3c d\u00f9ng song song - b\u1ed5 sung b\u1ee9c tranh th\u1ef1c th\u1ec3 m\u00e0 h\u1ed3 s\u01a1 CIC kh\u00f4ng ph\u1ea3n \u00e1nh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DataCore bao ph\u1ee7 bao nhi\u00eau doanh nghi\u1ec7p Vi\u1ec7t Nam cho t\u00edn d\u1ee5ng DNNVV?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">DataCore Company Intelligence bao ph\u1ee7 h\u01a1n 2,34 tri\u1ec7u th\u1ef1c th\u1ec3 doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111\u00e3 x\u00e1c minh t\u00ednh \u0111\u1ebfn n\u0103m 2026, l\u1ea5y t\u1eeb C\u01a1 s\u1edf \u0111\u0103ng k\u00fd qu\u1ed1c gia, h\u1ed3 s\u01a1 m\u00e3 s\u1ed1 thu\u1ebf, v\u00e0 b\u00e1o c\u00e1o c\u00f4ng b\u1ed1. Ph\u1ea1m vi v\u1edbi c\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft tr\u00ean HOSE, HNX, v\u00e0 UPCOM l\u00e0 100% \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee9ng kho\u00e1n \u0111ang ho\u1ea1t \u0111\u1ed9ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt \u0111\u1ebfn m\u1ee9c n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">DataCore c\u1eadp nh\u1eadt c\u00e1c tr\u01b0\u1eddng \u0111\u0103ng k\u00fd v\u00e0 tr\u1ea1ng th\u00e1i c\u01a1 b\u1ea3n theo chu k\u1ef3 li\u00ean t\u1ee5c. H\u1ed3 s\u01a1 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c thu n\u1ea1p trong v\u00f2ng 48 gi\u1edd k\u1ec3 t\u1eeb khi c\u00f4ng b\u1ed1. M\u1ed7i \u0111i\u1ec3m d\u1eef li\u1ec7u \u0111\u1ec1u c\u00f3 m\u1ed1c th\u1eddi gian <code>data_as_of<\/code> h\u1ed7 tr\u1ee3 y\u00eau c\u1ea7u ki\u1ec3m to\u00e1n theo Ngh\u1ecb \u0111\u1ecbnh 13\/2023\/N\u0110-CP.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DataCore h\u1ed7 tr\u1ee3 \u0111\u1ecbnh d\u1ea1ng API n\u00e0o cho tra c\u1ee9u t\u00edn d\u1ee5ng DNNVV h\u00e0ng lo\u1ea1t?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">API Company Intelligence c\u1ee7a DataCore nh\u1eadn cu\u1ed9c g\u1ecdi REST v\u1edbi payload JSON. \u0110\u1ea7u v\u00e0o h\u00e0ng lo\u1ea1t h\u1ed7 tr\u1ee3 m\u1ea3ng l\u00ean t\u1edbi 1.000 \u0111\u1ecbnh danh th\u1ef1c th\u1ec3 m\u1ed7i cu\u1ed9c g\u1ecdi. Th\u01b0 vi\u1ec7n client Python v\u00e0 R c\u00f3 s\u1eb5n trong t\u00e0i li\u1ec7u d\u00e0nh cho nh\u00e0 ph\u00e1t tri\u1ec3n. Li\u00ean h\u1ec7 <a href=\"https:\/\/datacore.vn\/en\/contact\" target=\"_blank\" rel=\"noopener noreferrer\">DataCore<\/a> \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n t\u00edch h\u1ee3p.<\/p>\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c R\u00e0o C\u1ea3n C\u1ee5 Th\u1ec3 Trong H\u1ed3 S\u01a1 T\u00edn D\u1ee5ng DNNVV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi m\u1ed9t doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba n\u1ed9p h\u1ed3 s\u01a1 vay v\u1ed1n, b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u kho\u1ea3ng tr\u1ed1ng d\u1eef li\u1ec7u. Th\u1ee9 nh\u1ea5t l\u00e0 th\u00f4ng tin t\u00e0i ch\u00ednh: ph\u1ea7n l\u1edbn DNNVV Vi\u1ec7t Nam kh\u00f4ng c\u00f3 b\u00e1o c\u00e1o ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp, khi\u1ebfn ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 x\u00e1c minh doanh thu v\u00e0 l\u1ee3i nhu\u1eadn th\u1ef1c t\u1ebf. H\u1ec7 qu\u1ea3 l\u00e0 t\u00edn d\u1ee5ng DNNVV b\u1ecb \u0111\u1ea9y v\u00e0o v\u00f9ng r\u1ee7i ro cao d\u00f9 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee9 hai l\u00e0 d\u1eef li\u1ec7u giao d\u1ecbch. Nhi\u1ec1u DNNVV v\u1eabn s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t ho\u1eb7c chuy\u1ec3n kho\u1ea3n kh\u00f4ng c\u00f3 m\u00f4 t\u1ea3 r\u00f5 r\u00e0ng, khi\u1ebfn l\u1ecbch s\u1eed giao d\u1ecbch kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u01b0\u1ee3c n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh th\u1ef1c s\u1ef1. Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 m\u00f4 h\u00ecnh h\u00f3a d\u00f2ng ti\u1ec1n c\u1ee7a doanh nghi\u1ec7p khi d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o b\u1ecb nhi\u1ec5u ho\u1eb7c thi\u1ebfu. \u0110\u00e2y l\u00e0 n\u00fat th\u1eaft quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t t\u00edn d\u1ee5ng DNNVV.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee9 ba l\u00e0 d\u1eef li\u1ec7u ph\u00e1p l\u00fd. T\u00ecnh tr\u1ea1ng \u0111\u0103ng k\u00fd kinh doanh, ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, v\u00e0 l\u1ecbch s\u1eed tranh ch\u1ea5p th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ed5ng h\u1ee3p \u1edf m\u1ed9t ngu\u1ed3n duy nh\u1ea5t. C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng ph\u1ea3i t\u1ef1 ki\u1ec3m tra t\u1eebng c\u01a1 quan \u0111\u0103ng k\u00fd, t\u1ed1n nhi\u1ec1u th\u1eddi gian v\u00e0 v\u1eabn c\u00f3 th\u1ec3 b\u1ecf s\u00f3t th\u00f4ng tin quan tr\u1ecdng. D\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac t\u1eeb DataCore gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1eb1ng c\u00e1ch t\u1ed5ng h\u1ee3p t\u1ea5t c\u1ea3 t\u1eeb m\u1ed9t \u0111i\u1ec3m truy c\u1eadp duy nh\u1ea5t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gi\u1ea3i Ph\u00e1p T\u00edn D\u1ee5ng DNNVV D\u1ef1a Tr\u00ean D\u1eef Li\u1ec7u C\u00f3 C\u1ea5u Tr\u00fac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1eef li\u1ec7u doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac kh\u00f4ng ch\u1ec9 gi\u00fap ng\u00e2n h\u00e0ng th\u1ea9m \u0111\u1ecbnh nhanh h\u01a1n - n\u00f3 c\u00f2n thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn to\u00e0n b\u1ed9 quy tr\u00ecnh t\u00edn d\u1ee5ng DNNVV. Thay v\u00ec \u0111\u00e1nh gi\u00e1 theo h\u1ed3 s\u01a1 t\u1ef1 khai, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u kh\u00e1ch quan t\u1eeb nhi\u1ec1u ngu\u1ed3n: \u0111\u0103ng k\u00fd kinh doanh, l\u1ecbch s\u1eed thu\u1ebf, quan h\u1ec7 th\u01b0\u01a1ng m\u1ea1i, v\u00e0 m\u1ea1ng l\u01b0\u1edbi \u0111\u1ed1i t\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh hi\u1ec7u qu\u1ea3 \u1edf nhi\u1ec1u th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n. T\u1ea1i H\u00e0n Qu\u1ed1c v\u00e0 \u0110\u00e0i Loan, vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u thay th\u1ebf trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng DNNVV \u0111\u00e3 gi\u00fap t\u0103ng t\u1ef7 l\u1ec7 ph\u00ea duy\u1ec7t l\u00ean 30-40% m\u00e0 kh\u00f4ng t\u0103ng t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u. Vi\u1ec7t Nam c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng t\u1ef1 \u0111\u1ec3 \u00e1p d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y, \u0111\u1eb7c bi\u1ec7t khi n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u doanh nghi\u1ec7p \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 chu\u1ea9n h\u00f3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">DataCore cung c\u1ea5p c\u00e1c API d\u1eef li\u1ec7u doanh nghi\u1ec7p gi\u00fap t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh x\u00e2y d\u1ef1ng quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng DNNVV t\u1ef1 \u0111\u1ed9ng v\u00e0 hi\u1ec7u qu\u1ea3. V\u1edbi h\u01a1n 900.000 h\u1ed3 s\u01a1 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt li\u00ean t\u1ee5c, DataCore l\u00e0 ngu\u1ed3n d\u1eef li\u1ec7u \u0111\u00e1ng tin c\u1eady cho c\u1ea3 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, fintech cho vay, v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u1ed9 Tr\u00ecnh C\u1ea3i Thi\u1ec7n Kh\u1ea3 N\u0103ng Ti\u1ebfp C\u1eadn T\u00edn D\u1ee5ng DNNVV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 c\u1ea3i thi\u1ec7n th\u1ef1c ch\u1ea5t kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng DNNVV, c\u1ea7n c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p t\u1eeb nhi\u1ec1u ph\u00eda. V\u1ec1 ph\u00eda doanh nghi\u1ec7p, DNNVV c\u1ea7n ch\u1ee7 \u0111\u1ed9ng s\u1ed1 h\u00f3a h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh, duy tr\u00ec s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n minh b\u1ea1ch, v\u00e0 x\u00e2y d\u1ef1ng l\u1ecbch s\u1eed giao d\u1ecbch ng\u00e2n h\u00e0ng r\u00f5 r\u00e0ng. Nh\u1eefng h\u00e0nh \u0111\u1ed9ng n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap vay v\u1ed1n d\u1ec5 h\u01a1n m\u00e0 c\u00f2n n\u00e2ng cao gi\u00e1 tr\u1ecb doanh nghi\u1ec7p trong m\u1eaft nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ec7 th\u1ed1ng t\u00edch h\u1ee3p d\u1eef li\u1ec7u b\u00ean th\u1ee9 ba \u0111\u1ec3 b\u1ed5 sung cho h\u1ed3 s\u01a1 t\u1ef1 khai c\u1ee7a kh\u00e1ch h\u00e0ng. T\u00edn d\u1ee5ng DNNVV hi\u1ec7u qu\u1ea3 \u0111\u00f2i h\u1ecfi quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh nhanh nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng - \u0111i\u1ec1u ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c khi d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00e1ng tin c\u1eady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, vi\u1ec7c ti\u1ebfp t\u1ee5c chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u \u0111\u0103ng k\u00fd kinh doanh v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho trao \u0111\u1ed5i d\u1eef li\u1ec7u gi\u1eefa c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc s\u1ebd l\u00e0 n\u1ec1n t\u1ea3ng d\u00e0i h\u1ea1n cho th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng DNNVV ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p V\u1ec1 T\u00edn D\u1ee5ng DNNVV Vi\u1ec7t Nam<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>T\u1ea1i sao t\u1ef7 l\u1ec7 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng DNNVV \u1edf Vi\u1ec7t Nam th\u1ea5p h\u01a1n c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 thi\u1ebfu d\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro. Trong khi Th\u00e1i Lan v\u00e0 Malaysia \u0111\u00e3 x\u00e2y d\u1ef1ng kho d\u1eef li\u1ec7u doanh nghi\u1ec7p t\u1eadp trung t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc, Vi\u1ec7t Nam v\u1eabn \u0111ang trong giai \u0111o\u1ea1n x\u00e2y d\u1ef1ng. Kho\u1ea3ng c\u00e1ch d\u1eef li\u1ec7u n\u00e0y khi\u1ebfn ng\u00e2n h\u00e0ng ph\u1ea3i \u00e1p d\u1ee5ng y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro, t\u1eeb \u0111\u00f3 thu h\u1eb9p \u0111\u1ed1i t\u01b0\u1ee3ng DNNVV c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D\u1eef li\u1ec7u t\u1eeb DataCore c\u00f3 th\u1ec3 thay th\u1ebf ho\u00e0n to\u00e0n h\u1ed3 s\u01a1 vay v\u1ed1n truy\u1ec1n th\u1ed1ng kh\u00f4ng?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0a - v\u00e0 c\u0169ng kh\u00f4ng n\u00ean. D\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac t\u1eeb DataCore l\u00e0 l\u1edbp b\u1ed5 sung, kh\u00f4ng ph\u1ea3i thay th\u1ebf. N\u00f3 gi\u00fap x\u00e1c minh, l\u00e0m gi\u00e0u, v\u00e0 ph\u00e2n t\u00edch th\u00eam th\u00f4ng tin trong h\u1ed3 s\u01a1 vay v\u1ed1n. Quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng DNNVV cu\u1ed1i c\u00f9ng v\u1eabn c\u1ea7n s\u1ef1 \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u00f3 kinh nghi\u1ec7m, nh\u01b0ng v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng th\u00f4ng tin t\u1ed1t h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>M\u1ea5t bao l\u00e2u \u0111\u1ec3 t\u00edch h\u1ee3p API DataCore v\u00e0o h\u1ec7 th\u1ed1ng th\u1ea9m \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng th\u01b0\u1eddng t\u1eeb 2 \u0111\u1ebfn 6 tu\u1ea7n t\u00f9y thu\u1ed9c v\u00e0o m\u1ee9c \u0111\u1ed9 t\u00f9y ch\u1ec9nh v\u00e0 h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt hi\u1ec7n c\u00f3 c\u1ee7a t\u1ed5 ch\u1ee9c. DataCore cung c\u1ea5p t\u00e0i li\u1ec7u k\u1ef9 thu\u1eadt \u0111\u1ea7y \u0111\u1ee7, m\u00f4i tr\u01b0\u1eddng sandbox \u0111\u1ec3 ki\u1ec3m th\u1eed, v\u00e0 h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt trong su\u1ed1t qu\u00e1 tr\u00ecnh t\u00edch h\u1ee3p.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-scaled.jpg\" alt=\"T\u00edn d\u1ee5ng DNNVV Vi\u1ec7t Nam - doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng\" class=\"wp-image-1683\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-scaled.jpg 2560w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-300x200.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-1024x683.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-768x512.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-1536x1024.jpg 1536w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-2048x1365.jpg 2048w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-street-market-18x12.jpg 18w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><figcaption class=\"wp-element-caption\">T\u00edn d\u1ee5ng DNNVV l\u00e0 n\u1ec1n t\u1ea3ng cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a khu v\u1ef1c kinh t\u1ebf t\u01b0 nh\u00e2n Vi\u1ec7t Nam.<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1703\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-scaled.jpg\" alt=\"D\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac h\u1ed7 tr\u1ee3 t\u00edn d\u1ee5ng DNNVV - DataCore data platform\" class=\"wp-image-1681\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-scaled.jpg 2560w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-300x200.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-1024x681.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-768x511.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-1536x1022.jpg 1536w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-2048x1363.jpg 2048w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/server-racks-data-center-18x12.jpg 18w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><figcaption class=\"wp-element-caption\">N\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u DataCore cung c\u1ea5p th\u00f4ng tin doanh nghi\u1ec7p c\u00f3 c\u1ea5u tr\u00fac gi\u00fap c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng DNNVV.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng DNNVV Vi\u1ec7t Nam \u0111ang \u1edf \u0111i\u1ec3m b\u01b0\u1edbc ngo\u1eb7t. V\u1edbi h\u01a1n 800.000 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba ho\u1ea1t \u0111\u1ed9ng tr\u00ean c\u1ea3 n\u01b0\u1edbc, ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng DNNVV l\u00e0 r\u1ea5t l\u1edbn. Tuy nhi\u00ean, r\u00e0o c\u1ea3n d\u1eef li\u1ec7u v\u1eabn l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh khi\u1ebfn nhi\u1ec1u DNNVV kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n. Gi\u1ea3i quy\u1ebft \u0111i\u1ec3m m\u00f9 d\u1eef li\u1ec7u l\u00e0 \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng DNNVV ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng v\u00e0 to\u00e0n di\u1ec7n.<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00f3m t\u1eaft nhanh: Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV) chi\u1ebfm kho\u1ea3ng 97% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam (T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea, 2025), nh\u01b0ng ph\u1ea7n l\u1edbn kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng DNNVV ch\u00ednh th\u1ee9c v\u00ec \u0111\u01a1n v\u1ecb cho vay thi\u1ebfu c\u01a1 s\u1edf \u0111\u00e1nh gi\u00e1. Nguy\u00ean nh\u00e2n g\u1ed1c r\u1ec5 l\u00e0 \u0111i\u1ec3m [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_uag_custom_page_level_css":"","_swt_meta_header_display":false,"_swt_meta_footer_display":false,"_swt_meta_site_title_display":false,"_swt_meta_sticky_header":false,"_swt_meta_transparent_header":false,"footnotes":""},"categories":[19,269],"tags":[451,347,452,449,450],"class_list":["post-1311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","category-doanh-nghiep-va-chuoi-cung-ung","tag-cic-viet-nam","tag-dc-2026-w22-vi","tag-dnnvv-viet-nam","tag-du-lieu-doanh-nghiep","tag-tin-dung-dnnvv"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business.jpg",1280,852,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-300x200.jpg",300,200,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-768x511.jpg",768,511,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-1024x682.jpg",1024,682,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business.jpg",1280,852,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business.jpg",1280,852,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/southeast-asian-street-market-small-business-18x12.jpg",18,12,true]},"uagb_author_info":{"display_name":"Mike","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/mike\/"},"uagb_comment_info":1,"uagb_excerpt":"T\u00f3m t\u1eaft nhanh: Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV) chi\u1ebfm kho\u1ea3ng 97% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam (T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea, 2025), nh\u01b0ng ph\u1ea7n l\u1edbn kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng DNNVV ch\u00ednh th\u1ee9c v\u00ec \u0111\u01a1n v\u1ecb cho vay thi\u1ebfu c\u01a1 s\u1edf \u0111\u00e1nh gi\u00e1. 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