{"id":2317,"date":"2026-07-13T09:31:43","date_gmt":"2026-07-13T02:31:43","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=2317"},"modified":"2026-07-13T09:31:49","modified_gmt":"2026-07-13T02:31:49","slug":"ho-tro-doi-moi-cong-nghe-viet-nam-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/ho-tro-doi-moi-cong-nghe-viet-nam-2026\/","title":{"rendered":"H\u1ed7 Tr\u1ee3 50% L\u00e3i Su\u1ea5t Vay \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7: C\u01a1 H\u1ed9i V\u00e0ng Cho Doanh Nghi\u1ec7p D\u1eef Li\u1ec7u Vi\u1ec7t Nam 2026"},"content":{"rendered":"<p><!-- hreflang: vi, EN pair: vietnam-tech-innovation-loan-subsidy-2026 --><\/p>\n<p><strong>T\u00f3m t\u1eaft:<\/strong> Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam hi\u1ec7n h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng cho c\u00e1c doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 v\u00e0o \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam - t\u1ed1i \u0111a 6%\/n\u0103m v\u00e0 k\u00e9o d\u00e0i \u0111\u1ebfn 5 n\u0103m cho m\u1ed7i h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. K\u1ebft h\u1ee3p v\u1edbi Ngh\u1ecb quy\u1ebft 57 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb v\u1ec1 khoa h\u1ecdc - c\u00f4ng ngh\u1ec7 l\u00e0 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng m\u1edbi, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh tr\u1ef1c ti\u1ebfp nh\u1ea5t d\u00e0nh cho doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u, c\u00f4ng c\u1ee5 AI v\u00e0 h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt s\u1ed1 trong n\u0103m 2026.<\/p>\n<p>Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam 2026 khi\u1ebfn chi ph\u00ed vay v\u1ed1n cho \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n gi\u1ea3m g\u1ea7n m\u1ed9t n\u1eeda so v\u1edbi l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng - m\u1ed9t l\u1ee3i th\u1ebf t\u00e0i ch\u00ednh \u0111\u00e1ng k\u1ec3 cho b\u1ea5t k\u1ef3 \u0111\u1ed9i ng\u0169 n\u00e0o \u0111ang x\u00e2y d\u1ef1ng n\u0103ng l\u1ef1c d\u1eef li\u1ec7u v\u00e0 AI trong n\u0103m nay.<\/p>\n\n<nav class=\"wp-block-table-of-contents\">\n<ol class=\"wp-block-table-of-contents\">\n<li><a href=\"#vn-sec-0\">Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7 Bao G\u1ed3m Nh\u1eefng G\u00ec?<\/a><\/li>\n<li><a href=\"#vn-sec-1\">Ngh\u1ecb Quy\u1ebft 57 \u0110\u1ecbnh H\u00ecnh Tham V\u1ecdng C\u00f4ng Ngh\u1ec7 C\u1ee7a Vi\u1ec7t Nam Nh\u01b0 Th\u1ebf N\u00e0o?<\/a><\/li>\n<li><a href=\"#vn-sec-2\">Nh\u1eefng Kho\u1ea3n \u0110\u1ea7u T\u01b0 C\u00f4ng Ngh\u1ec7 N\u00e0o \u0110\u1ee7 \u0110i\u1ec1u Ki\u1ec7n H\u01b0\u1edfng H\u1ed7 Tr\u1ee3 50% L\u00e3i Su\u1ea5t?<\/a><\/li>\n<li><a href=\"#vn-sec-3\">L\u00e0m Th\u1ebf N\u00e0o \u0110\u1ec3 T\u00ednh Kho\u1ea3n Ti\u1ebft Ki\u1ec7m Th\u1ef1c S\u1ef1 T\u1eeb Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t?<\/a><\/li>\n<li><a href=\"#vn-sec-4\">Doanh Nghi\u1ec7p C\u1ea7n Th\u1ef1c Hi\u1ec7n Nh\u1eefng B\u01b0\u1edbc N\u00e0o \u0110\u1ec3 Ti\u1ebfp C\u1eadn G\u00f3i H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t?<\/a><\/li>\n<li><a href=\"#vn-sec-5\">T\u1ea1i Sao \u0110\u00e2y L\u00e0 Th\u1eddi \u0110i\u1ec3m V\u00e0ng \u0110\u1ec3 \u0110\u1ea7u T\u01b0 V\u00e0o H\u1ea1 T\u1ea7ng D\u1eef Li\u1ec7u T\u1ea1i Vi\u1ec7t Nam?<\/a><\/li>\n<li><a href=\"#vn-sec-6\">DataCore H\u1ed7 Tr\u1ee3 Doanh Nghi\u1ec7p T\u1eadn D\u1ee5ng Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t \u0110\u1ed5i M\u1edbi C\u00f4ng Ng<\/a><\/li>\n<li><a href=\"#vn-sec-7\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p V\u1ec1 Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7<\/a><\/li>\n<\/ol>\n<\/nav>\n<h2>Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7 Vi\u1ec7t Nam Bao G\u1ed3m Nh\u1eefng G\u00ec?<\/h2>\n<p>Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, theo \u0111\u00f3 Ch\u00ednh ph\u1ee7 h\u1ed7 tr\u1ee3 50% chi ph\u00ed l\u00e3i su\u1ea5t tr\u00ean c\u00e1c kho\u1ea3n vay ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 kho\u1ea3n t\u00e0i tr\u1ee3 kh\u00f4ng ho\u00e0n l\u1ea1i - doanh nghi\u1ec7p v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 kho\u1ea3n vay v\u00e0 ho\u00e0n tr\u1ea3 g\u1ed1c theo l\u1ecbch. Tuy nhi\u00ean, Nh\u00e0 n\u01b0\u1edbc g\u00e1nh ch\u1ecbu m\u1ed9t n\u1eeda g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t, gi\u00fap chi ph\u00ed vay v\u1ed1n th\u1ef1c t\u1ebf gi\u1ea3m \u0111\u00e1ng k\u1ec3 cho c\u00e1c d\u1ef1 \u00e1n c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n<p>C\u01a1 ch\u1ebf v\u1eadn h\u00e0nh kh\u00e1 r\u00f5 r\u00e0ng. N\u1ebfu m\u1ed9t ng\u00e2n h\u00e0ng tham gia ch\u01b0\u01a1ng tr\u00ecnh \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 12%\/n\u0103m cho kho\u1ea3n vay c\u00f4ng ngh\u1ec7, doanh nghi\u1ec7p ch\u1ec9 ph\u1ea3i tr\u1ea3 6% trong khi Nh\u00e0 n\u01b0\u1edbc b\u00f9 ph\u1ea7n 6% c\u00f2n l\u1ea1i. M\u1ee9c h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc l\u00e0 6%\/n\u0103m, t\u1ee9c l\u00e0 kho\u1ea3n b\u00f9 l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m m\u1ed7i n\u0103m, b\u1ea5t k\u1ec3 l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 bao nhi\u00eau. M\u1ed7i h\u1ee3p \u0111\u1ed3ng vay \u0111\u01b0\u1ee3c h\u01b0\u1edfng h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a 5 n\u0103m, t\u1ea1o ra m\u1ed9t c\u1eeda s\u1ed5 t\u00e0i ch\u00ednh trung h\u1ea1n ph\u00f9 h\u1ee3p cho c\u00e1c d\u1ef1 \u00e1n tri\u1ec3n khai c\u00f4ng ngh\u1ec7 nhi\u1ec1u giai \u0111o\u1ea1n. Ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam n\u0103m 2026 t\u1ea1o ra c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1ed1n vay \u01b0u \u0111\u00e3i ch\u01b0a t\u1eebng c\u00f3 cho doanh nghi\u1ec7p d\u1eef li\u1ec7u.<\/p>\n<p>Ch\u00ednh s\u00e1ch nh\u1eafm v\u00e0o ba nh\u00f3m ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7: \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3 v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, chuy\u1ec3n giao c\u00f4ng ngh\u1ec7 t\u1eeb ngu\u1ed3n b\u00ean ngo\u00e0i (k\u1ec3 c\u1ea3 \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 n\u01b0\u1edbc ngo\u00e0i), v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam m\u1edbi ho\u1eb7c c\u1ea3i ti\u1ebfn trong n\u1ed9i b\u1ed9 doanh nghi\u1ec7p. Ph\u1ea1m vi \u0111\u1ecbnh ngh\u0129a r\u1ed9ng n\u00e0y c\u00f3 ch\u1ee7 \u0111\u00edch - cho ph\u00e9p c\u1ea3 doanh nghi\u1ec7p \u0111ang tri\u1ec3n khai c\u00f4ng c\u1ee5 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m ch\u1ee9ng l\u1eabn doanh nghi\u1ec7p \u0111ang x\u00e2y d\u1ef1ng gi\u1ea3i ph\u00e1p \u0111\u1ed9c quy\u1ec1n \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, mi\u1ec5n l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c ghi ch\u00e9p v\u1edbi m\u1ee5c \u0111\u00edch c\u00f4ng ngh\u1ec7 r\u00f5 r\u00e0ng.<\/p>\n<p>C\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n r\u1ea5t \u0111a d\u1ea1ng: tri\u1ec3n khai h\u1ec7 th\u1ed1ng ho\u1ea1ch \u0111\u1ecbnh ngu\u1ed3n l\u1ef1c doanh nghi\u1ec7p (ERP), \u0111\u0103ng k\u00fd n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u v\u00e0 t\u00edch h\u1ee3p h\u1ec7 th\u1ed1ng, h\u1ea1 t\u1ea7ng tri\u1ec3n khai c\u00f4ng c\u1ee5 AI v\u00e0 m\u00f4 h\u00ecnh h\u1ecdc m\u00e1y, h\u1ee3p \u0111\u1ed3ng ph\u1ea7n m\u1ec1m d\u1ea1ng SaaS c\u00f3 gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n d\u1ef1a tr\u00ean d\u1eef li\u1ec7u, v\u00e0 mua s\u1eafm ph\u1ea7n c\u1ee9ng g\u1eafn v\u1edbi l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1. Ti\u00eau ch\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n then ch\u1ed1t l\u00e0 s\u1ed1 ti\u1ec1n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c l\u1eadp h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7, kh\u00f4ng ph\u1ea3i cho v\u1ed1n l\u01b0u \u0111\u1ed9ng th\u00f4ng th\u01b0\u1eddng hay c\u00e1c chi ph\u00ed kinh doanh kh\u00e1c kh\u00f4ng li\u00ean quan. Doanh nghi\u1ec7p t\u1eadn d\u1ee5ng ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam s\u1ebd c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh l\u1edbn trong 3 n\u0103m t\u1edbi.<\/p>\n\n<h2>Ngh\u1ecb Quy\u1ebft 57 V\u00e0 \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7 Vi\u1ec7t Nam: Tham V\u1ecdng \u0110\u01b0\u1ee3c \u0110\u1ecbnh H\u00ecnh Ra Sao?<\/h2>\n<p>Ngh\u1ecb quy\u1ebft 57 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb, \u0111\u01b0\u1ee3c th\u00f4ng qua n\u0103m 2024, x\u00e1c \u0111\u1ecbnh khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf h\u00e0ng \u0111\u1ea7u c\u1ee7a Vi\u1ec7t Nam - m\u1ed9t t\u00edn hi\u1ec7u ch\u00ednh s\u00e1ch quan tr\u1ecdng n\u00e2ng t\u1ea7m c\u00f4ng ngh\u1ec7 t\u1eeb m\u1ed9t l\u0129nh v\u1ef1c \u0111\u01a1n thu\u1ea7n l\u00ean th\u00e0nh \u0111\u1ed9ng c\u01a1 t\u0103ng tr\u01b0\u1edfng qu\u1ed1c gia. Ngh\u1ecb quy\u1ebft \u0111\u1eb7t m\u1ee5c ti\u00eau Vi\u1ec7t Nam tr\u1edf th\u00e0nh qu\u1ed1c gia \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o thu\u1ed9c top 50 to\u00e0n c\u1ea7u v\u00e0o n\u0103m 2030, t\u0103ng t\u1eeb v\u1ecb tr\u00ed kho\u1ea3ng th\u1ee9 59 hi\u1ec7n nay theo Ch\u1ec9 s\u1ed1 \u0110\u1ed5i m\u1edbi S\u00e1ng t\u1ea1o To\u00e0n c\u1ea7u (GII). \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ee5c ti\u00eau c\u1ea3i thi\u1ec7n khi\u00eam t\u1ed1n - m\u00e0 l\u00e0 s\u1ef1 d\u1ecbch chuy\u1ec3n c\u01a1 c\u1ea5u trong c\u00e1ch Nh\u00e0 n\u01b0\u1edbc nh\u00ecn nh\u1eadn v\u00e0 t\u00e0i tr\u1ee3 cho \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 tr\u00ean c\u1ea3 khu v\u1ef1c c\u00f4ng l\u1eabn khu v\u1ef1c t\u01b0.<\/p>\n<p>\u0110\u1ec3 t\u1eadn d\u1ee5ng ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam hi\u1ec7u qu\u1ea3, doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 t\u1eeb s\u1edbm.<\/p>\n<\/p>\n<p>Ngh\u1ecb quy\u1ebft \u0111\u00e3 th\u00fac \u0111\u1ea9y l\u00e0n s\u00f3ng \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ea1 t\u1ea7ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, \u0111i\u1ec7n to\u00e1n hi\u1ec7u su\u1ea5t cao (HPC) v\u00e0 h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u s\u1ed1 qu\u1ed1c gia. \u0110\u1ee3t t\u1ed5ng k\u1ebft 18 th\u00e1ng t\u1ea1i H\u00e0 N\u1ed9i v\u1ec1 tri\u1ec3n khai Ngh\u1ecb quy\u1ebft 57 ghi nh\u1eadn nh\u1eefng ti\u1ebfn b\u1ed9 th\u1ef1c s\u1ef1 trong x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u v\u00e0 h\u00ecnh th\u00e0nh h\u1ec7 sinh th\u00e1i \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o. Tuy nhi\u00ean, \u0111\u1ee3t t\u1ed5ng k\u1ebft c\u0169ng ch\u1ec9 ra nh\u1eefng \u0111i\u1ec3m ngh\u1ebdn \u0111\u00e1ng k\u1ec3 - \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ed1c \u0111\u1ed9 \u00e1p d\u1ee5ng trong khu v\u1ef1c t\u01b0 nh\u00e2n c\u00f2n ch\u1eadm so v\u1edbi \u0111\u1ea7u t\u01b0 c\u00f4ng. Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t l\u00e0 c\u00f4ng c\u1ee5 tr\u1ef1c ti\u1ebfp \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch n\u00e0y. G\u00f3i h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam bao g\u1ed3m c\u1ea3 \u0111\u1ea7u t\u01b0 v\u00e0o n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u, AI v\u00e0 h\u1ea1 t\u1ea7ng \u0111i\u1ec7n to\u00e1n hi\u1ec7u n\u0103ng cao.<\/p>\n<p>Trong khu\u00f4n kh\u1ed5 Ngh\u1ecb quy\u1ebft 57, \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c coi l\u00e0 \u01b0u ti\u00ean chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia ngang t\u1ea7m v\u1edbi \u0111\u1ea7u t\u01b0 h\u1ea1 t\u1ea7ng v\u1eadt ch\u1ea5t. \u0110i\u1ec1u n\u00e0y quan tr\u1ecdng v\u1edbi c\u00e1c b\u1ed9 ph\u1eadn t\u00e0i ch\u00ednh doanh nghi\u1ec7p b\u1edfi n\u00f3 cho th\u1ea5y c\u1eeda s\u1ed5 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 b\u1ec1n v\u1eefng, kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u1ea1ng m\u1ee5c ng\u00e2n s\u00e1ch ng\u1eafn h\u1ea1n m\u1ed9t n\u0103m. Th\u1eddi h\u1ea1n 5 n\u0103m cho m\u1ed7i h\u1ee3p \u0111\u1ed3ng vay ph\u1ea3n \u00e1nh cam k\u1ebft d\u00e0i h\u1ea1n n\u00e0y c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. \u0110\u1ec3 hi\u1ec3u th\u00eam v\u1ec1 chi\u1ebfn l\u01b0\u1ee3c AI t\u1ed5ng th\u1ec3 c\u1ee7a Vi\u1ec7t Nam v\u00e0 c\u00e1ch n\u00f3 k\u1ebft n\u1ed1i v\u1edbi quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 c\u1ee7a doanh nghi\u1ec7p, xem ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/chien-luoc-ai-viet-nam-2026\/\" target=\"_blank\" rel=\"noopener\">chi\u1ebfn l\u01b0\u1ee3c AI Vi\u1ec7t Nam 2026<\/a>.<\/p>\n<p>Ngh\u1ecb quy\u1ebft 57 c\u0169ng t\u1ea1o ra \u0111\u1ed9ng l\u1ef1c th\u1ec3 ch\u1ebf \u1edf c\u1ea5p t\u1ec9nh th\u00e0nh. S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u00e1c t\u1ec9nh hi\u1ec7n c\u00f3 ch\u1ec9 ti\u00eau tri\u1ec3n khai g\u1eafn v\u1edbi ngh\u1ecb quy\u1ebft qu\u1ed1c gia, ngh\u0129a l\u00e0 h\u1ecd c\u00f3 l\u1ee3i \u00edch trong vi\u1ec7c h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p \u0111\u1ecba ph\u01b0\u01a1ng ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. Doanh nghi\u1ec7p ti\u1ebfp c\u1eadn S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 s\u1edbm trong qu\u00e1 tr\u00ecnh xin vay th\u01b0\u1eddng th\u1ea5y th\u1ee7 t\u1ee5c nhanh h\u01a1n v\u00e0 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1ed1t h\u01a1n so v\u1edbi \u0111\u1ebfn ng\u00e2n h\u00e0ng tr\u1ef1c ti\u1ebfp m\u00e0 kh\u00f4ng c\u00f3 \u0111\u1ea7u m\u1ed1i li\u00ean l\u1ea1c v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang tri\u1ec3n khai s\u1ea3n ph\u1ea9m vay theo ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam v\u1edbi th\u1ee7 t\u1ee5c ng\u00e0y c\u00e0ng \u0111\u01a1n gi\u1ea3n h\u01a1n.<\/p>\n<p>Ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam \u0111ang m\u1edf ra giai \u0111o\u1ea1n b\u1ee9t ph\u00e1 m\u1edbi cho c\u00e1c doanh nghi\u1ec7p d\u1eef li\u1ec7u Vi\u1ec7t Nam.<\/p>\n<\/p>\n<h2>\u0110\u1ea7u T\u01b0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam N\u00e0o \u0110\u1ee7 \u0110i\u1ec1u Ki\u1ec7n H\u01b0\u1edfng H\u1ed7 Tr\u1ee3 50% L\u00e3i Su\u1ea5t?<\/h2>\n<p>Ch\u00ednh s\u00e1ch kh\u00f4ng c\u00f4ng b\u1ed1 danh s\u00e1ch s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t s\u1eb5n - tr\u1ea1ng th\u00e1i \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch \u0111\u01b0\u1ee3c ghi ch\u00e9p c\u1ee7a kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c li\u1ec7u m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u00f3 \u0111\u00e1p \u1ee9ng ti\u00eau ch\u00ed \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao ho\u1eb7c \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam hay kh\u00f4ng. Tuy nhi\u00ean, c\u00e1c nh\u00f3m d\u01b0\u1edbi \u0111\u00e2y th\u01b0\u1eddng xuy\u00ean xu\u1ea5t hi\u1ec7n trong v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn tri\u1ec3n khai v\u00e0 l\u00e0 nh\u1eefng \u1ee9ng vi\u00ean m\u1ea1nh \u0111\u1ec3 doanh nghi\u1ec7p x\u00e2y d\u1ef1ng h\u1ed3 s\u01a1 vay v\u1ed1n.<\/p>\n<p><strong>N\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u v\u00e0 h\u1ea1 t\u1ea7ng ph\u00e2n t\u00edch<\/strong> l\u00e0 m\u1ed9t trong nh\u1eefng nh\u00f3m \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n r\u00f5 r\u00e0ng nh\u1ea5t. Doanh nghi\u1ec7p \u0111\u0103ng k\u00fd n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u \u0111a l\u0129nh v\u1ef1c bao g\u1ed3m d\u1eef li\u1ec7u kinh t\u1ebf, th\u1ecb tr\u01b0\u1eddng, t\u1ed5 ch\u1ee9c ho\u1eb7c nh\u00e2n kh\u1ea9u h\u1ecdc, v\u00e0 t\u00edch h\u1ee3p v\u00e0o vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh v\u1eadn h\u00e0nh, c\u00f3 th\u1ec3 ghi ch\u00e9p kho\u1ea3n \u0111\u0103ng k\u00fd n\u00e0y l\u00e0 \u0111\u1ea7u t\u01b0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7. Chi ph\u00ed t\u00edch h\u1ee3p bao g\u1ed3m c\u00f4ng vi\u1ec7c k\u1ef9 thu\u1eadt d\u1eef li\u1ec7u n\u1ed9i b\u1ed9, ph\u00e1t tri\u1ec3n k\u1ebft n\u1ed1i API v\u00e0 \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean - t\u1ea5t c\u1ea3 \u0111\u1ec1u l\u00e0 ph\u1ea7n c\u1ee7a kho\u1ea3n chi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 \u0111\u01b0a v\u00e0o ph\u1ea1m vi kho\u1ea3n vay. Ngh\u1ecb quy\u1ebft 57 l\u00e0 n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd cho to\u00e0n b\u1ed9 ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/p>\n<p><strong>C\u00f4ng c\u1ee5 AI v\u00e0 h\u1ec7 th\u1ed1ng tri\u1ec3n khai m\u00f4 h\u00ecnh<\/strong> n\u1eb1m r\u00f5 r\u00e0ng trong ph\u1ea1m vi \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam theo Ngh\u1ecb quy\u1ebft 57. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ea1 t\u1ea7ng ph\u1ee5c v\u1ee5 m\u00f4 h\u00ecnh, quy tr\u00ecnh h\u1ecdc m\u00e1y (ML), h\u1ec7 th\u1ed1ng ra quy\u1ebft \u0111\u1ecbnh t\u1ef1 \u0111\u1ed9ng v\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edch h\u1ee3p AI. Doanh nghi\u1ec7p x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ph\u00e1t hi\u1ec7n gian l\u1eadn, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng ho\u1eb7c th\u00f4ng tin kh\u00e1ch h\u00e0ng tr\u00ean c\u01a1 s\u1edf c\u00e1c d\u1ecbch v\u1ee5 d\u1eef li\u1ec7u b\u00ean ngo\u00e0i c\u00f3 c\u00e2u chuy\u1ec7n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam r\u00f5 r\u00e0ng cho h\u1ed3 s\u01a1 vay v\u1ed1n c\u1ee7a m\u00ecnh.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh c\u1ea1nh tranh to\u00e0n c\u1ea7u, \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam l\u00e0 l\u1ee3i th\u1ebf chi\u1ebfn l\u01b0\u1ee3c kh\u00f4ng th\u1ec3 b\u1ecf qua.<\/p>\n<\/p>\n<p><strong>H\u1ec7 th\u1ed1ng nh\u1eadn di\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 KYB (Know Your Business)<\/strong> l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c c\u00f3 quy \u0111\u1ecbnh. H\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng h\u00f3a x\u00e1c minh kh\u00e1ch h\u00e0ng (eKYC), ki\u1ec3m tra danh t\u00ednh doanh nghi\u1ec7p v\u00e0 gi\u00e1m s\u00e1t tu\u00e2n th\u1ee7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00ec \u0111\u00e2y l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o quy tr\u00ecnh v\u1eadn h\u00e0nh c\u1ed1t l\u00f5i v\u1edbi s\u1ed1 li\u1ec7u n\u0103ng su\u1ea5t r\u00f5 r\u00e0ng v\u00e0 c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t ph\u00f9 h\u1ee3p v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng cho vay k\u1ef9 thu\u1eadt s\u1ed1 ho\u1eb7c b\u1ea3o l\u00e3nh b\u1ea3o hi\u1ec3m s\u1ed1 h\u00f3a.<\/p>\n<p>Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111\u01b0\u1ee3c \u01b0u ti\u00ean ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam do kh\u1ea3 n\u0103ng chuy\u1ec3n \u0111\u1ed5i nhanh v\u00e0 linh ho\u1ea1t h\u01a1n. Doanh nghi\u1ec7p FDI ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam c\u0169ng c\u00f3 th\u1ec3 xem x\u00e9t tham gia ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ecba ph\u01b0\u01a1ng h\u00f3a.<\/p>\n<p><strong>D\u1ef1 \u00e1n t\u00edch h\u1ee3p ph\u1ea7n m\u1ec1m doanh nghi\u1ec7p<\/strong> - k\u1ebft n\u1ed1i h\u1ec7 th\u1ed1ng ERP v\u1edbi lu\u1ed3ng d\u1eef li\u1ec7u b\u00ean ngo\u00e0i, x\u00e2y d\u1ef1ng kho d\u1eef li\u1ec7u, tri\u1ec3n khai b\u1ea3ng \u0111i\u1ec1u khi\u1ec3n th\u00f4ng tin kinh doanh - \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n khi m\u1ee5c \u0111\u00edch vay \u0111\u01b0\u1ee3c ghi ch\u00e9p l\u00e0 tri\u1ec3n khai c\u00f4ng ngh\u1ec7. Ph\u1ea7n t\u00edch h\u1ee3p v\u00e0 d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o chi ph\u00ed d\u1ef1 \u00e1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, kh\u00f4ng ch\u1ec9 ri\u00eang ph\u00ed b\u1ea3n quy\u1ec1n ph\u1ea7n m\u1ec1m.<\/p>\n<p>DataCore h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p t\u1eeb A \u0111\u1ebfn Z trong quy tr\u00ecnh ti\u1ebfp c\u1eadn ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam.<\/p>\n<\/p>\n<p>\u0110\u1ec3 hi\u1ec3u c\u00e1ch ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111ang ti\u1ebfp c\u1eadn \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 v\u00e0 AI trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng hi\u1ec7n t\u1ea1i, xem ph\u00e2n t\u00edch <a href=\"https:\/\/blog.datacore.vn\/vi\/ngan-hang-viet-nam-h1-2026-rui-ro-tin-dung\/\" target=\"_blank\" rel=\"noopener\">ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/a> n\u1eeda \u0111\u1ea7u n\u0103m 2026 c\u1ee7a ch\u00fang t\u00f4i, bao g\u1ed3m c\u1ea3 vi\u1ec7c ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 v\u1eeba l\u00e0 b\u00ean cho vay v\u1eeba l\u00e0 \u0111\u01a1n v\u1ecb \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u00e0 ch\u00ednh s\u00e1ch n\u00e0y khuy\u1ebfn kh\u00edch. H\u1ea1n ch\u00f3t n\u1ed9p h\u1ed3 s\u01a1 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam th\u01b0\u1eddng l\u00e0 cu\u1ed1i qu\u00fd, v\u00ec v\u1eady doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb t\u00e0i li\u1ec7u s\u1edbm.<\/p>\n<h2>L\u00e0m Th\u1ebf N\u00e0o T\u00ednh Kho\u1ea3n Ti\u1ebft Ki\u1ec7m Th\u1ef1c T\u1eeb Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam?<\/h2>\n<p>Ph\u00e9p t\u00ednh kh\u00e1 \u0111\u01a1n gi\u1ea3n khi b\u1ea1n hi\u1ec3u r\u00f5 c\u01a1 c\u1ea5u. L\u1ea5y g\u1ed1c vay, l\u00e3i su\u1ea5t h\u00e0ng n\u0103m c\u1ee7a ng\u00e2n h\u00e0ng, t\u1ef7 l\u1ec7 h\u1ed7 tr\u1ee3 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc (50% l\u00e3i su\u1ea5t, t\u1ed1i \u0111a 6%\/n\u0103m) v\u00e0 th\u1eddi h\u1ea1n vay. L\u00e3i su\u1ea5t th\u1ef1c t\u1ebf m\u00e0 doanh nghi\u1ec7p ph\u1ea3i tr\u1ea3 b\u1eb1ng l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng tr\u1eeb \u0111i kho\u1ea3n h\u1ed7 tr\u1ee3, v\u1edbi gi\u1edbi h\u1ea1n 6%\/n\u0103m t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 v\u00ed d\u1ee5 t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 b\u1eb1ng c\u00e1c con s\u1ed1 tr\u00f2n v\u00e0 \u0111\u01a1n v\u1ecb VND. M\u1ed9t doanh nghi\u1ec7p vay 5 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 tri\u1ec3n khai n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u v\u00e0 b\u1ed9 c\u00f4ng c\u1ee5 AI. Ng\u00e2n h\u00e0ng tham gia \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 11%\/n\u0103m. Theo ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3, Nh\u00e0 n\u01b0\u1edbc b\u00f9 50% c\u1ee7a 11%, t\u1ee9c l\u00e0 5,5%\/n\u0103m - n\u1eb1m trong gi\u1edbi h\u1ea1n 6%.<\/p>\n<p>Doanh nghi\u1ec7p tri\u1ec3n khai \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam s\u1edbm s\u1ebd c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u01b0\u1ee3t tr\u1ed9i trong 2026.<\/p>\n<\/p>\n<p>L\u00e3i su\u1ea5t th\u1ef1c t\u1ebf h\u00e0ng n\u0103m c\u1ee7a doanh nghi\u1ec7p l\u00e0 5,5% thay v\u00ec 11%. Trong 5 n\u0103m vay, t\u1ed5ng ti\u1ebft ki\u1ec7m l\u00e3i su\u1ea5t tr\u00ean kho\u1ea3n vay 5 t\u1ef7 \u0111\u1ed3ng \u0111\u1ea1t kho\u1ea3ng 1,375 t\u1ef7 \u0111\u1ed3ng - m\u1ed9t kho\u1ea3n gi\u1ea3m \u0111\u00e1ng k\u1ec3 trong t\u1ed5ng chi ph\u00ed s\u1edf h\u1eefu c\u00f4ng ngh\u1ec7, thay \u0111\u1ed5i ho\u00e0n to\u00e0n b\u00e0i to\u00e1n \u0111\u1ea7u t\u01b0 ngay hay ch\u1edd \u0111\u1ee3i. T\u1ef7 l\u1ec7 h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t vay trong ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam gi\u00fap r\u00fat ng\u1eafn th\u1eddi gian ho\u00e0n v\u1ed1n \u0111\u00e1ng k\u1ec3.<\/p>\n<p>N\u1ebfu l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng cao h\u01a1n - v\u00ed d\u1ee5 14%\/n\u0103m - gi\u1edbi h\u1ea1n 6% \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. Nh\u00e0 n\u01b0\u1edbc b\u00f9 6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m v\u00e0 doanh nghi\u1ec7p tr\u1ea3 8%. Kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 6%\/n\u0103m d\u00f9 l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng c\u00f3 cao \u0111\u1ebfn \u0111\u00e2u. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 m\u1ee9c h\u1ed7 tr\u1ee3 ph\u00e1t huy t\u00e1c d\u1ee5ng t\u1ef7 l\u1ec7 cao nh\u1ea5t v\u1edbi c\u00e1c kho\u1ea3n vay th\u01b0\u01a1ng m\u1ea1i c\u00f3 l\u00e3i su\u1ea5t trung b\u00ecnh t\u1eeb 10-12%\/n\u0103m, khi ph\u00e9p t\u00ednh 50% cho ra k\u1ebft qu\u1ea3 d\u01b0\u1edbi ng\u01b0\u1ee1ng 6%.<\/p>\n<p>B\u1ed9 ph\u1eadn t\u00e0i ch\u00ednh n\u00ean m\u00f4 h\u00ecnh h\u00f3a ba k\u1ecbch b\u1ea3n tr\u01b0\u1edbc khi ti\u1ebfp c\u1eadn ng\u00e2n h\u00e0ng: th\u1ee9 nh\u1ea5t, kho\u1ea3n vay theo l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i ti\u00eau chu\u1ea9n kh\u00f4ng c\u00f3 h\u1ed7 tr\u1ee3; th\u1ee9 hai, kho\u1ea3n vay v\u1edbi h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t khi ph\u00e9p t\u00ednh n\u1eb1m d\u01b0\u1edbi ng\u01b0\u1ee1ng 6%; v\u00e0 th\u1ee9 ba, kho\u1ea3n vay v\u1edbi h\u1ed7 tr\u1ee3 ch\u1ea1m ng\u01b0\u1ee1ng 6%. Tr\u00ecnh b\u00e0y c\u1ea3 ba k\u1ecbch b\u1ea3n cho l\u00e3nh \u0111\u1ea1o v\u00e0 ng\u00e2n h\u00e0ng cho th\u1ea5y doanh nghi\u1ec7p \u0111\u00e3 th\u1ef1c hi\u1ec7n ph\u00e2n t\u00edch \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7y \u0111\u1ee7 v\u00e0 gi\u1ea3m ma s\u00e1t x\u1eed l\u00fd \u1edf ph\u00eda ng\u00e2n h\u00e0ng trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh. DataCore h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng x\u00e2y d\u1ef1ng h\u1ed3 s\u01a1 k\u1ef9 thu\u1eadt ph\u00f9 h\u1ee3p ti\u00eau ch\u00ed c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam.<\/p>\n<p>Nghi\u00ean c\u1ee9u cho th\u1ea5y \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam gi\u00fap doanh nghi\u1ec7p gi\u1ea3m chi ph\u00ed \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u l\u00ean t\u1edbi 50%.<\/p>\n<\/p>\n\n<h2>Doanh Nghi\u1ec7p Ti\u1ebfp C\u1eadn G\u00f3i H\u1ed7 Tr\u1ee3 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam Qua Nh\u1eefng B\u01b0\u1edbc N\u00e0o?<\/h2>\n<p>Quy tr\u00ecnh \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, kh\u00f4ng ph\u1ea3i tr\u1ef1c ti\u1ebfp qua c\u01a1 quan b\u1ed9 ng\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7. Doanh nghi\u1ec7p l\u00e0m vi\u1ec7c v\u1edbi ng\u00e2n h\u00e0ng tham gia ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e3 \u0111\u0103ng k\u00fd cung c\u1ea5p c\u00e1c kho\u1ea3n vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 g\u1eafn v\u1edbi Ngh\u1ecb quy\u1ebft 57. B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean l\u00e0 x\u00e1c \u0111\u1ecbnh ng\u00e2n h\u00e0ng tham gia trong khu v\u1ef1c - c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Nh\u00e0 n\u01b0\u1edbc l\u1edbn bao g\u1ed3m Vietcombank, BIDV, VietinBank v\u00e0 Agribank, c\u00f9ng m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh l\u00e0 \u0111\u01a1n v\u1ecb th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh vay c\u00f4ng ngh\u1ec7 trong khu\u00f4n kh\u1ed5 tri\u1ec3n khai Ngh\u1ecb quy\u1ebft 57.<\/p>\n<p>Sau khi x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng tham gia, doanh nghi\u1ec7p chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7. H\u1ed3 s\u01a1 th\u01b0\u1eddng g\u1ed3m: m\u00f4 t\u1ea3 d\u1ef1 \u00e1n gi\u1ea3i th\u00edch c\u00f4ng ngh\u1ec7 \u0111ang \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng ho\u1eb7c chuy\u1ec3n giao; b\u1ea3ng ph\u00e2n t\u00edch chi ph\u00ed th\u1ec3 hi\u1ec7n c\u00e1ch s\u1eed d\u1ee5ng v\u1ed1n vay cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n; b\u1eb1ng ch\u1ee9ng v\u1ec1 nh\u00e0 cung c\u1ea5p ho\u1eb7c \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 d\u01b0\u1edbi d\u1ea1ng h\u1ee3p \u0111\u1ed3ng, th\u1ecfa thu\u1eadn \u0111\u0103ng k\u00fd ho\u1eb7c k\u1ebf ho\u1ea1ch tri\u1ec3n khai; v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ch\u1ee9ng minh n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<p>Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u th\u00eam lu\u1eadn c\u1ee9 kinh doanh th\u1ec3 hi\u1ec7n t\u00e1c \u0111\u1ed9ng n\u0103ng su\u1ea5t ho\u1eb7c doanh thu d\u1ef1 ki\u1ebfn t\u1eeb kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 - \u0111\u00e2y l\u00e0 n\u01a1i vi\u1ec7c c\u00f3 c\u00e1c d\u1ef1 b\u00e1o ROI r\u00f5 r\u00e0ng cho vi\u1ec7c \u00e1p d\u1ee5ng n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u tr\u1edf n\u00ean thi\u1ebft y\u1ebfu. \u0110\u1ea7u t\u01b0 v\u00e0o DataCore Platform \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam hi\u1ec7n h\u00e0nh.<\/p>\n<p>H\u1ec7 sinh th\u00e1i \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam t\u1ea1i Vi\u1ec7t Nam ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n v\u1edbi s\u1ef1 tham gia c\u1ee7a nhi\u1ec1u \u0111\u01a1n v\u1ecb l\u1edbn.<\/p>\n<\/p>\n<p>Ng\u00e2n h\u00e0ng n\u1ed9p kho\u1ea3n vay \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t qua k\u00eanh Ch\u00ednh ph\u1ee7 ph\u00f9 h\u1ee3p - th\u01b0\u1eddng l\u00e0 B\u1ed9 Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 ho\u1eb7c S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p t\u1ec9nh t\u00f9y theo quy m\u00f4 kho\u1ea3n vay v\u00e0 c\u1ea5u tr\u00fac ch\u01b0\u01a1ng tr\u00ecnh. Ng\u00e2n h\u00e0ng sau \u0111\u00f3 nh\u1eadn kho\u1ea3n b\u00f9 l\u00e3i su\u1ea5t t\u1eeb Nh\u00e0 n\u01b0\u1edbc theo l\u1ecbch \u0111\u1ecbnh k\u1ef3 v\u00e0 chuy\u1ec3n l\u1ee3i \u00edch cho ng\u01b0\u1eddi vay th\u00f4ng qua m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf th\u1ea5p h\u01a1n. Doanh nghi\u1ec7p kh\u00f4ng ph\u1ea3i t\u01b0\u01a1ng t\u00e1c tr\u1ef1c ti\u1ebfp v\u1edbi c\u01a1 ch\u1ebf h\u1ed7 tr\u1ee3 - ch\u1ec9 \u0111\u01a1n gi\u1ea3n tr\u1ea3 m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n m\u00e0 ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng sau khi h\u1ea5p th\u1ee5 kho\u1ea3n h\u1ed7 tr\u1ee3 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>K\u1ef7 lu\u1eadt l\u01b0u tr\u1eef t\u00e0i li\u1ec7u r\u1ea5t quan tr\u1ecdng su\u1ed1t th\u1eddi h\u1ea1n vay. M\u1ee5c \u0111\u00edch vay ph\u1ea3i \u0111\u01b0\u1ee3c ghi ch\u00e9p r\u00f5 r\u00e0ng l\u00e0 \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7. N\u1ebfu doanh nghi\u1ec7p chuy\u1ec3n \u0111\u1ed5i b\u1ea5t k\u1ef3 ph\u1ea7n n\u00e0o v\u1ed1n vay sang m\u1ee5c \u0111\u00edch phi c\u00f4ng ngh\u1ec7, c\u00f3 nguy c\u01a1 m\u1ea5t kho\u1ea3n h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t cho ph\u1ea7n \u0111\u00f3.<\/p>\n<p>L\u01b0u tr\u1eef s\u1ea1ch s\u1ebd h\u00f3a \u0111\u01a1n t\u1eeb nh\u00e0 cung c\u1ea5p c\u00f4ng ngh\u1ec7, m\u1ed1c tri\u1ec3n khai v\u00e0 ti\u1ebfn \u0111\u1ed9 t\u00edch h\u1ee3p h\u1ec7 th\u1ed1ng s\u1ebd b\u1ea3o v\u1ec7 t\u01b0 c\u00e1ch h\u1ed7 tr\u1ee3 trong su\u1ed1t 5 n\u0103m. Th\u00f4ng tin h\u01b0\u1edbng d\u1eabn ch\u00ednh s\u00e1ch v\u1ec1 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh vay c\u00f4ng ngh\u1ec7 li\u00ean quan \u0111\u1ebfn Ngh\u1ecb quy\u1ebft 57 \u0111\u01b0\u1ee3c <a href=\"https:\/\/most.gov.vn\" target=\"_blank\" rel=\"noopener noreferrer\">B\u1ed9 Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 (most.gov.vn)<\/a> c\u00f4ng b\u1ed1 qua c\u00e1c th\u00f4ng t\u01b0 v\u00e0 t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn tri\u1ec3n khai. C\u00e2u h\u1ecfi ph\u1ed5 bi\u1ebfn nh\u1ea5t t\u1eeb gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh l\u00e0 l\u00e0m sao t\u1ed1i \u01b0u h\u00f3a d\u00f2ng ti\u1ec1n t\u1eeb ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam.<\/p>\n<p>K\u1ebf ho\u1ea1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam c\u1ea7n \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0o chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a t\u1ed5ng th\u1ec3 c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<\/p>\n<h2>T\u1ea1i Sao \u0110\u00e2y L\u00e0 Th\u1eddi \u0110i\u1ec3m V\u00e0ng \u0110\u1ec3 \u0110\u1ea7u T\u01b0 V\u00e0o \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7 Vi\u1ec7t Nam?<\/h2>\n<p>Chu k\u1ef3 \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 c\u1ee7a Vi\u1ec7t Nam \u0111ang \u1edf \u0111i\u1ec3m b\u01b0\u1edbc ngo\u1eb7t v\u00e0o n\u0103m 2026. Ngh\u1ecb quy\u1ebft 57 \u0111\u01b0\u1ee3c th\u00f4ng qua n\u0103m 2024 t\u1ea1o ra s\u1ee9 m\u1ec7nh ch\u00ednh s\u00e1ch r\u00f5 r\u00e0ng; \u0111\u1ee3t t\u1ed5ng k\u1ebft 18 th\u00e1ng t\u1ea1i H\u00e0 N\u1ed9i \u0111\u00e3 x\u00e1c nh\u1eadn r\u1eb1ng giai \u0111o\u1ea1n x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng \u0111ang di\u1ec5n ra th\u1ef1c ch\u1ea5t, nh\u01b0ng m\u1ee9c \u0111\u1ed9 \u00e1p d\u1ee5ng c\u1ee7a khu v\u1ef1c t\u01b0 nh\u00e2n v\u1eabn ch\u1eadm h\u01a1n so v\u1edbi \u0111\u1ea7u t\u01b0 c\u00f4ng. Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t l\u00e0 c\u00f4ng c\u1ee5 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch \u0111\u00f3 - ngh\u0129a l\u00e0 doanh nghi\u1ec7p h\u00e0nh \u0111\u1ed9ng s\u1edbm s\u1ebd ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh v\u1edbi \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i trong khi s\u1ef1 c\u1ea1nh tranh v\u1ec1 nh\u00e2n t\u00e0i c\u00f4ng ngh\u1ec7 v\u00e0 n\u0103ng l\u1ef1c nh\u00e0 cung c\u1ea5p v\u1eabn c\u00f2n \u1edf m\u1ee9c qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c.<\/p>\n<p>M\u1ee5c ti\u00eau qu\u1ed1c gia \u0111\u1ea1t top 50 qu\u1ed1c gia \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o to\u00e0n c\u1ea7u v\u00e0o n\u0103m 2030 t\u1ea1o ra m\u1ed9t c\u1eeda s\u1ed5 4 n\u0103m m\u00e0 \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 s\u1ebd \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch t\u00edch c\u1ef1c \u1edf c\u1ea5p ch\u00ednh s\u00e1ch. L\u1ecbch s\u1eed cho th\u1ea5y c\u00e1c c\u1eeda s\u1ed5 h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t nh\u01b0 th\u1ebf n\u00e0y c\u00f3 th\u1eddi h\u1ea1n h\u1eefu h\u1ea1n - khi kho\u1ea3ng c\u00e1ch \u00e1p d\u1ee5ng thu h\u1eb9p, c\u01a1 s\u1edf t\u00e0i kh\u00f3a \u0111\u1ec3 duy tr\u00ec kho\u1ea3n h\u1ed7 tr\u1ee3 s\u1ebd y\u1ebfu d\u1ea7n. Doanh nghi\u1ec7p ch\u1edd \u0111\u1ee3i s\u1ef1 ch\u1eafc ch\u1eafn v\u1ec1 vi\u1ec7c ch\u00ednh s\u00e1ch c\u00f3 ti\u1ebfp t\u1ee5c hay kh\u00f4ng c\u00f3 nguy c\u01a1 b\u1ecf l\u1ee1 nh\u1eefng n\u0103m m\u1ea1nh nh\u1ea5t c\u1ee7a \u01b0u \u0111\u00e3i v\u00e0 c\u1eeda s\u1ed5 khi ng\u00e2n h\u00e0ng tri\u1ec3n khai c\u1ea1nh tranh nh\u1ea5t v\u1ec1 \u0111i\u1ec1u kho\u1ea3n cho vay \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n<p>Chi ph\u00ed tri\u1ec3n khai h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u c\u00f3 th\u1ec3 gi\u1ea3m 30-40% khi k\u1ebft h\u1ee3p v\u1edbi ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam. Ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd gi\u1ea3i ng\u00e2n h\u01a1n 10.000 t\u1ef7 \u0111\u1ed3ng trong v\u00f2ng 3 n\u0103m t\u1edbi.<\/p>\n<p>V\u1edbi ngu\u1ed3n l\u1ef1c t\u1eeb ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam, doanh nghi\u1ec7p c\u00f3 th\u1ec3 tri\u1ec3n khai AI v\u00e0 h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u nhanh h\u01a1n.<\/p>\n<\/p>\n<p>C\u00f2n m\u1ed9t chi\u1ec1u c\u1ea1nh c\u1ea1nh tranh quan tr\u1ecdng. Doanh nghi\u1ec7p x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u v\u00e0 n\u0103ng l\u1ef1c AI trong n\u0103m 2025-2026 s\u1ebd v\u1eadn h\u00e0nh v\u1edbi l\u1ee3i th\u1ebf c\u01a1 c\u1ea5u so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 tr\u00ec ho\u00e3n \u0111\u1ea7u t\u01b0. Kho\u1ea3n h\u1ed7 tr\u1ee3 l\u00e0m cho quy\u1ebft \u0111\u1ecbnh x\u00e2y d\u1ef1ng ngay hay ch\u1edd \u0111\u1ee3i tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n \u0111\u00e1ng k\u1ec3 t\u1eeb g\u00f3c \u0111\u1ed9 chi ph\u00ed v\u1ed1n. \u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn r\u1ed9ng h\u01a1n v\u1ec1 c\u00e1ch \u0111\u1ea7u t\u01b0 AI \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh t\u1ea1i Vi\u1ec7t Nam qua c\u00e1c ng\u00e0nh, xem b\u00e0i ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/phat-trien-ung-dung-ai-viet-nam-2026\/\" target=\"_blank\" rel=\"noopener\">ph\u00e1t tri\u1ec3n AI Vi\u1ec7t Nam<\/a> trong n\u0103m 2026 v\u00e0 ng\u00e0nh n\u00e0o \u0111ang chuy\u1ec3n \u0111\u1ed9ng nhanh nh\u1ea5t.<\/p>\n<p>Khu v\u1ef1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME) Vi\u1ec7t Nam \u0111\u1eb7c bi\u1ec7t c\u00f3 l\u1ee3i th\u1ebf t\u1eeb ch\u00ednh s\u00e1ch n\u00e0y. M\u1ed9t t\u1ef7 l\u1ec7 l\u1edbn SME Vi\u1ec7t Nam v\u1eabn v\u1eadn h\u00e0nh b\u1eb1ng b\u1ea3ng t\u00ednh v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 r\u1eddi r\u1ea1c, ch\u01b0a k\u1ebft n\u1ed1i. Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ch\u00ednh x\u00e1c \u0111\u1ec3 \u0111\u1ea9y nhanh s\u1ef1 chuy\u1ec3n d\u1ecbch sang h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u c\u00f3 h\u1ec7 th\u1ed1ng.<\/p>\n<p>M\u1ed9t SME vay 2-3 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 tri\u1ec3n khai n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u, t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh KYB v\u00e0 t\u00edch h\u1ee3p ph\u00e2n t\u00edch v\u00e0o ho\u1ea1t \u0111\u1ed9ng b\u00e1n h\u00e0ng v\u00e0 t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 tr\u1ea3 l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf 5-6%\/n\u0103m thay v\u00ec 11-12%, l\u00e0m cho lu\u1eadn c\u1ee9 kinh doanh kh\u1ea3 thi v\u1edbi ph\u1ea7n l\u1edbn th\u1ecb tr\u01b0\u1eddng h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng cho ph\u00e9p. Nh\u00f3m k\u1ef9 thu\u1eadt c\u1ee7a b\u1ea1n s\u1ebd l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp v\u1edbi t\u01b0 v\u1ea5n DataCore \u0111\u1ec3 chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam \u0111\u00fang chu\u1ea9n.<\/p>\n<p>Xu h\u01b0\u1edbng \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam n\u0103m 2026 cho th\u1ea5y Nh\u00e0 n\u01b0\u1edbc cam k\u1ebft m\u1ea1nh m\u1ebd h\u1ed7 tr\u1ee3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 doanh nghi\u1ec7p.<\/p>\n<\/p>\n<h2>DataCore H\u1ed7 Tr\u1ee3 Doanh Nghi\u1ec7p T\u1eadn D\u1ee5ng Ch\u00ednh S\u00e1ch H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam Nh\u01b0 Th\u1ebf N\u00e0o?<\/h2>\n<p>C\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a DataCore \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ch\u00ednh x\u00e1c cho lo\u1ea1i \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 m\u00e0 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 2026 nh\u1eafm \u0111\u1ebfn: \u1ee9ng d\u1ee5ng d\u1eef li\u1ec7u, t\u00edch h\u1ee3p h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u v\u00e0 h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u s\u1eb5n s\u00e0ng cho AI. Doanh nghi\u1ec7p l\u00e0m vi\u1ec7c v\u1edbi DataCore c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng h\u1ed3 s\u01a1 vay v\u1ed1n c\u00f4ng ngh\u1ec7 xung quanh c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3, \u0111\u01b0\u1ee3c l\u1eadp h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 v\u1edbi ph\u1ea1m vi tri\u1ec3n khai r\u00f5 r\u00e0ng v\u00e0 t\u00e1c \u0111\u1ed9ng v\u1eadn h\u00e0nh c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng - ch\u00ednh x\u00e1c nh\u1eefng g\u00ec ng\u00e2n h\u00e0ng tham gia c\u1ea7n \u0111\u1ec3 ph\u00ea duy\u1ec7t kho\u1ea3n vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3.<\/p>\n<p><strong>G\u00f3i \u0111\u0103ng k\u00fd n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u<\/strong> tr\u1ea3i r\u1ed9ng c\u00e1c l\u0129nh v\u1ef1c Kinh t\u1ebf, Th\u1ecb tr\u01b0\u1eddng, T\u1ed5 ch\u1ee9c v\u00e0 Nh\u00e2n kh\u1ea9u h\u1ecdc \u0111\u1ea1i di\u1ec7n cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ecbnh k\u1ef3 v\u1edbi ph\u1ea1m vi r\u00f5 r\u00e0ng v\u00e0 h\u1ed3 s\u01a1 nh\u00e0 cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7. Doanh nghi\u1ec7p \u0111\u0103ng k\u00fd l\u0129nh v\u1ef1c T\u1ed5 ch\u1ee9c \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a x\u00e1c minh c\u00f4ng ty v\u00e0 quy tr\u00ecnh th\u00f4ng tin kinh doanh \u0111ang \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o m\u1ed9t quy tr\u00ecnh v\u1eadn h\u00e0nh c\u1ed1t l\u00f5i. DataCore cung c\u1ea5p th\u1ecfa thu\u1eadn \u0111\u0103ng k\u00fd, t\u00e0i li\u1ec7u t\u00edch h\u1ee3p API v\u00e0 b\u00e1o c\u00e1o s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0a tr\u1ef1c ti\u1ebfp v\u00e0o h\u1ed3 s\u01a1 c\u00f4ng ngh\u1ec7 m\u00e0 ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u. L\u1ed9 tr\u00ecnh tri\u1ec3n khai 12 th\u00e1ng ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi chu k\u1ef3 gi\u1ea3i ng\u00e2n c\u1ee7a c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam hi\u1ec7n t\u1ea1i.<\/p>\n<p><strong>D\u1ecbch v\u1ee5 Company Intelligence<\/strong> cung c\u1ea5p cho ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c cho vay l\u1edbp d\u1eef li\u1ec7u KYB (Know Your Business) c\u1ea7n thi\u1ebft \u0111\u1ec3 m\u1edf r\u1ed9ng c\u00e1c kho\u1ea3n vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 m\u1ed9t c\u00e1ch t\u1ef1 tin. Khi ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 vay c\u00f4ng ngh\u1ec7 t\u1eeb m\u1ed9t doanh nghi\u1ec7p Vi\u1ec7t Nam, d\u1eef li\u1ec7u c\u00f4ng ty \u0111\u00e1ng tin c\u1eady v\u00e0 c\u1eadp nh\u1eadt - t\u00ecnh tr\u1ea1ng ph\u00e1p l\u00fd, chi ti\u1ebft \u0111\u0103ng k\u00fd kinh doanh, ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 c\u1edd tu\u00e2n th\u1ee7 - l\u00e0 y\u1ebfu t\u1ed1 \u0111\u1ea7u v\u00e0o th\u1ea9m \u0111\u1ecbnh thi\u1ebft y\u1ebfu. D\u1ecbch v\u1ee5 Company Intelligence c\u1ee7a DataCore l\u00e0 h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u gi\u00fap quy tr\u00ecnh \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u1ee7a b\u1ea3n th\u00e2n ng\u00e2n h\u00e0ng nhanh h\u01a1n v\u00e0 ch\u00ednh x\u00e1c h\u01a1n. Xem to\u00e0n b\u1ed9 danh m\u1ee5c d\u1ecbch v\u1ee5 t\u1ea1i <a href=\"https:\/\/datacore.vn\/vi\/\" target=\"_blank\" rel=\"noopener\">datacore.vn\/vi\/<\/a>.<\/p>\n<p>Ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam kh\u00f4ng ch\u1ec9 l\u00e0 \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t, m\u00e0 c\u00f2n l\u00e0 c\u00fa h\u00edch th\u00fac \u0111\u1ea9y to\u00e0n b\u1ed9 h\u1ec7 sinh th\u00e1i s\u1ed1.<\/p>\n<\/p>\n<p><strong>D\u1ecbch v\u1ee5 eKYC<\/strong> l\u00e0 kho\u1ea3n tri\u1ec3n khai c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho b\u1ea5t k\u1ef3 doanh nghi\u1ec7p n\u00e0o \u0111ang s\u1ed1 h\u00f3a quy tr\u00ecnh onboarding kh\u00e1ch h\u00e0ng ho\u1eb7c tu\u00e2n th\u1ee7. T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh s\u1eed d\u1ee5ng D\u1ecbch v\u1ee5 eKYC \u0111ang \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 x\u00e1c minh danh t\u00ednh thay th\u1ebf quy tr\u00ecnh xem x\u00e9t t\u00e0i li\u1ec7u th\u1ee7 c\u00f4ng - m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c l\u1eadp h\u1ed3 s\u01a1 r\u00f5 r\u00e0ng v\u1edbi s\u1ed1 li\u1ec7u n\u0103ng su\u1ea5t c\u1ee5 th\u1ec3 v\u00e0 m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 theo y\u00eau c\u1ea7u gi\u00fap d\u1ec5 d\u00e0ng t\u00ednh to\u00e1n t\u1ed5ng \u0111\u1ea7u t\u01b0 h\u00e0ng n\u0103m cho h\u1ed3 s\u01a1 vay. Li\u00ean h\u1ec7 v\u1edbi b\u1ed9 ph\u1eadn kinh doanh c\u1ee7a DataCore \u0111\u1ec3 nh\u1eadn t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed v\u1ec1 \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng g\u00f3i \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam.<\/p>\n<p><strong>D\u1ecbch v\u1ee5 Address<\/strong> h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u theo \u0111\u1ecba l\u00fd bao g\u1ed3m geocoding, chu\u1ea9n h\u00f3a \u0111\u1ecba ch\u1ec9 v\u00e0 t\u1ed1i \u01b0u h\u00f3a logistics. V\u1edbi doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c b\u00e1n l\u1ebb, logistics ho\u1eb7c v\u1eadn h\u00e0nh th\u1ef1c \u0111\u1ecba, ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u \u0111\u1ecba ch\u1ec9 l\u00e0 t\u1ea7ng c\u00f4ng ngh\u1ec7 n\u1ec1n t\u1ea3ng cung c\u1ea5p cho m\u1ecdi h\u1ec7 th\u1ed1ng ph\u00eda sau. C\u00e1c kho\u1ea3n vay bao g\u1ed3m tri\u1ec3n khai D\u1ecbch v\u1ee5 Address nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u r\u1ed9ng h\u01a1n c\u00f3 th\u1ec3 \u0111\u01b0a th\u00e0nh ph\u1ea7n n\u00e0y v\u00e0o ph\u1ea1m vi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f9ng v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 DataCore kh\u00e1c.<\/p>\n<p>DataCore c\u0169ng gi\u00fap doanh nghi\u1ec7p x\u00e2y d\u1ef1ng lu\u1eadn \u0111i\u1ec3m ROI m\u00e0 ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ed3 s\u01a1 c\u00f4ng ngh\u1ec7. Thay v\u00ec m\u00f4 t\u1ea3 \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 b\u1eb1ng c\u00e1c thu\u1eadt ng\u1eef tr\u1eebu t\u01b0\u1ee3ng, \u0111\u1ed9i ng\u0169 DataCore l\u00e0m vi\u1ec7c v\u1edbi ng\u01b0\u1eddi ph\u1ee5 tr\u00e1ch d\u1eef li\u1ec7u c\u1ee7a doanh nghi\u1ec7p \u0111\u1ec3 ghi ch\u00e9p c\u00e1c c\u1ea3i thi\u1ec7n v\u1eadn h\u00e0nh c\u1ee5 th\u1ec3 - gi\u1ea3m th\u1eddi gian x\u00e1c minh th\u1ee7 c\u00f4ng, n\u00e2ng cao \u0111\u1ed9 ch\u00ednh x\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng, gi\u1ea3m t\u1ef7 l\u1ec7 l\u1ed7i d\u1eef li\u1ec7u - chuy\u1ec3n th\u00e0nh gi\u00e1 tr\u1ecb kinh doanh c\u00f3 th\u1ec3 \u0111\u1ecbnh l\u01b0\u1ee3ng. T\u00e0i li\u1ec7u ROI n\u00e0y l\u00e0 \u0111i\u1ec3m ph\u00e2n bi\u1ec7t gi\u1eefa h\u1ed3 s\u01a1 vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t v\u00e0 h\u1ed3 s\u01a1 b\u1ecb \u0111\u00ecnh tr\u1ec7 trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng.<\/p>\n<p>M\u1ed7i d\u1ef1 \u00e1n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam c\u1ea7n \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u1edbi l\u1ed9 tr\u00ecnh r\u00f5 r\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay.<\/p>\n<\/p>\n<p>T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 danh m\u1ee5c d\u1ecbch v\u1ee5 d\u1eef li\u1ec7u \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a DataCore t\u1ea1i <a href=\"https:\/\/datacore.vn\/vi\/\" target=\"_blank\" rel=\"noopener\">datacore.vn\/vi\/<\/a>. C\u00e1c d\u1ef1 \u00e1n \u0111\u00e3 tri\u1ec3n khai xong v\u1eabn c\u00f3 th\u1ec3 h\u1ed3i t\u1ed1 n\u1ebfu ho\u00e0n th\u00e0nh sau ng\u00e0y \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam.<\/p>\n<p>H\u01b0\u1edbng d\u1eabn ch\u00ednh s\u00e1ch v\u1ec1 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh vay c\u00f4ng ngh\u1ec7 c\u1ee7a Vi\u1ec7t Nam, bao g\u1ed3m nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh g\u1eafn v\u1edbi Ngh\u1ecb quy\u1ebft 57, \u0111\u01b0\u1ee3c <a href=\"https:\/\/nhnn.gov.vn\" target=\"_blank\" rel=\"noopener noreferrer\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (nhnn.gov.vn)<\/a> \u0111i\u1ec1u ph\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n. Doanh nghi\u1ec7p n\u00ean theo d\u00f5i c\u00e1c th\u00f4ng t\u01b0 c\u1ee7a NHNN v\u00e0 h\u01b0\u1edbng d\u1eabn tri\u1ec3n khai c\u1ee7a S\u1edf Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ec3 c\u1eadp nh\u1eadt ti\u00eau ch\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0 danh s\u00e1ch ng\u00e2n h\u00e0ng tham gia m\u1edbi nh\u1ea5t trong khu v\u1ef1c c\u1ee7a m\u00ecnh.<\/p>\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"850\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4.jpg\" alt=\"K\u1ef9 thu\u1eadt vi\u00ean qu\u1ea3n l\u00fd c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng m\u00e1y ch\u1ee7 doanh nghi\u1ec7p t\u1ea1i trung t\u00e2m d\u1eef li\u1ec7u\" class=\"wp-image-2340\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-300x199.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-1024x680.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-768x510.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-18x12.jpg 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n<h2>C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p V\u1ec1 \u0110\u1ed5i M\u1edbi C\u00f4ng Ngh\u1ec7 Vi\u1ec7t Nam V\u00e0 H\u1ed7 Tr\u1ee3 L\u00e3i Su\u1ea5t 2026<\/h2>\n<h3>Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho kho\u1ea3n vay c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3 hay ch\u1ec9 kho\u1ea3n vay m\u1edbi?<\/h3>\n<p>Ch\u00ednh s\u00e1ch \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng vay m\u1edbi k\u00fd k\u1ebft sau khi ch\u00ednh s\u00e1ch c\u00f3 hi\u1ec7u l\u1ef1c. C\u00e1c kho\u1ea3n vay hi\u1ec7n c\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn h\u1ed7 tr\u1ee3 h\u1ed3i t\u1ed1. Doanh nghi\u1ec7p t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3 th\u00e0nh h\u1ee3p \u0111\u1ed3ng vay m\u1edbi c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn kho\u1ea3n h\u1ed7 tr\u1ee3 n\u1ebfu h\u1ee3p \u0111\u1ed3ng m\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u1ee7 m\u1ecdi ti\u00eau ch\u00ed, nh\u01b0ng \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o \u0111i\u1ec1u kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng tham gia v\u00e0 quy \u0111\u1ecbnh ch\u01b0\u01a1ng tr\u00ecnh t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u00e1i c\u01a1 c\u1ea5u.<\/p>\n<p>S\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng v\u00e0 cam k\u1ebft d\u00e0i h\u1ea1n c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<\/p>\n<p>H\u00e3y tham v\u1ea5n tr\u1ef1c ti\u1ebfp v\u1edbi ng\u00e2n h\u00e0ng tham gia \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 cho tr\u01b0\u1eddng h\u1ee3p c\u1ee7a doanh nghi\u1ec7p. Kinh nghi\u1ec7m th\u1ef1c t\u1ebf cho th\u1ea5y doanh nghi\u1ec7p chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam k\u1ef9 l\u01b0\u1ee1ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c duy\u1ec7t trong 30 ng\u00e0y. T\u01b0 v\u1ea5n ph\u00e1p l\u00fd v\u1ec1 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi nh\u00e0 cung c\u1ea5p.<\/p>\n<h3>C\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n vay t\u1ed1i \u0111a \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 kh\u00f4ng?<\/h3>\n<p>Ch\u00ednh s\u00e1ch kh\u00f4ng \u0111\u1eb7t gi\u1edbi h\u1ea1n v\u1ed1n vay t\u1ed1i \u0111a - m\u1ee9c kh\u1ed1ng ch\u1ebf l\u00e0 t\u1ef7 l\u1ec7 h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t t\u1eeb Nh\u00e0 n\u01b0\u1edbc, t\u1ed1i \u0111a 6%\/n\u0103m b\u1ea5t k\u1ec3 quy m\u00f4 kho\u1ea3n vay. Doanh nghi\u1ec7p c\u00f3 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 l\u1edbn h\u01a1n c\u00f3 th\u1ec3 vay theo t\u1ef7 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng v\u00e0 v\u1eabn nh\u1eadn c\u00f9ng m\u1ee9c h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m. Tuy nhi\u00ean, ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng ti\u00eau ch\u00ed th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ri\u00eang theo quy m\u00f4 kho\u1ea3n vay, v\u00e0 c\u00e1c kho\u1ea3n vay l\u1edbn h\u01a1n \u0111\u00f2i h\u1ecfi t\u00e0i li\u1ec7u \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 chi ti\u1ebft h\u01a1n, b\u1eb1ng ch\u1ee9ng kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u1eefng ch\u1eafc h\u01a1n v\u00e0 th\u01b0\u1eddng quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng k\u00e9o d\u00e0i h\u01a1n tr\u01b0\u1edbc khi ph\u00ea duy\u1ec7t.<\/p>\n<h3>Doanh nghi\u1ec7p Vi\u1ec7t Nam c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng kho\u1ea3n h\u1ed7 tr\u1ee3 cho h\u1ee3p \u0111\u1ed3ng v\u1edbi nh\u00e0 cung c\u1ea5p c\u00f4ng ngh\u1ec7 n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n<p>C\u00f3. Chuy\u1ec3n giao c\u00f4ng ngh\u1ec7 t\u1eeb ngu\u1ed3n n\u01b0\u1edbc ngo\u00e0i l\u00e0 m\u1ed9t trong ba nh\u00f3m \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong ch\u00ednh s\u00e1ch. C\u00e1c kho\u1ea3n vay \u0111\u1ec3 t\u00e0i tr\u1ee3 cho c\u1ea5p ph\u00e9p c\u00f4ng ngh\u1ec7 n\u01b0\u1edbc ngo\u00e0i, \u0111\u0103ng k\u00fd ph\u1ea7n m\u1ec1m t\u1eeb nh\u00e0 cung c\u1ea5p n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c d\u1ef1 \u00e1n ph\u00e1t tri\u1ec3n chung v\u1edbi \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 n\u01b0\u1edbc ngo\u00e0i v\u1ec1 nguy\u00ean t\u1eafc \u0111\u1ec1u \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. Doanh nghi\u1ec7p ph\u1ea3i ghi ch\u00e9p r\u00f5 r\u00e0ng m\u1ee5c \u0111\u00edch chuy\u1ec3n giao c\u00f4ng ngh\u1ec7 v\u00e0 \u0111\u1ea3m b\u1ea3o nh\u00e0 cung c\u1ea5p n\u01b0\u1edbc ngo\u00e0i cung c\u1ea5p t\u00e0i li\u1ec7u h\u1ed7 tr\u1ee3 - h\u1ee3p \u0111\u1ed3ng, m\u00f4 t\u1ea3 d\u1ecbch v\u1ee5 v\u00e0 k\u1ebf ho\u1ea1ch t\u00edch h\u1ee3p - \u0111\u1ec3 ng\u00e2n h\u00e0ng \u0111\u01b0a v\u00e0o h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd h\u1ed7 tr\u1ee3. M\u1ecdi thay \u0111\u1ed5i v\u1ec1 ti\u00eau ch\u00ed c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam s\u1ebd \u0111\u01b0\u1ee3c DataCore c\u1eadp nh\u1eadt ngay cho kh\u00e1ch h\u00e0ng.<\/p>\n<p>Ti\u1ec1m n\u0103ng c\u1ee7a \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 d\u1eef li\u1ec7u l\u00e0 r\u1ea5t l\u1edbn, c\u1ea7n \u0111\u01b0\u1ee3c khai th\u00e1c \u0111\u00fang c\u00e1ch.<\/p>\n<\/p>\n<h3>D\u1eef li\u1ec7u c\u00f4ng ty c\u1ee7a DataCore gi\u00fap ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd r\u1ee7i ro danh m\u1ee5c vay c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nh\u01b0 th\u1ebf n\u00e0o?<\/h3>\n<p>Khi ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 cho doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7, h\u1ecd \u0111\u1ea3m nh\u1eadn r\u1ee7i ro t\u00edn d\u1ee5ng v\u1edbi nh\u1eefng ng\u01b0\u1eddi vay m\u00e0 chuy\u00ean m\u00f4n c\u1ed1t l\u00f5i kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng ngh\u1ec7. D\u1ecbch v\u1ee5 Company Intelligence c\u1ee7a DataCore cung c\u1ea5p cho t\u1ed5 ch\u1ee9c cho vay d\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac, c\u1eadp nh\u1eadt v\u1ec1 doanh nghi\u1ec7p Vi\u1ec7t Nam - bao g\u1ed3m t\u00ecnh tr\u1ea1ng ph\u00e1p l\u00fd, ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 c\u1edd tu\u00e2n th\u1ee7 - gi\u00fap n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng tr\u01b0\u1edbc khi ph\u00ea duy\u1ec7t.<\/p>\n<p>D\u1eef li\u1ec7u ng\u01b0\u1eddi vay t\u1ed1t h\u01a1n c\u00f3 ngh\u0129a l\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3 th\u1ea5p h\u01a1n trong danh m\u1ee5c vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3, khi\u1ebfn ng\u00e2n h\u00e0ng s\u1eb5n s\u00e0ng h\u01a1n trong vi\u1ec7c m\u1edf r\u1ed9ng c\u00e1c kho\u1ea3n vay n\u00e0y \u0111\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u01a1n, k\u1ec3 c\u1ea3 SME th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ee9c \u0111\u1ed9 ki\u1ec3m tra ch\u1eb7t ch\u1ebd h\u01a1n t\u1eeb \u1ee7y ban t\u00edn d\u1ee5ng.<\/p>\n<h3>C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng t\u00e0i li\u1ec7u g\u00ec tr\u01b0\u1edbc khi ti\u1ebfp c\u1eadn ng\u00e2n h\u00e0ng v\u1ec1 kho\u1ea3n vay \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7?<\/h3>\n<p>Tr\u01b0\u1edbc khi li\u00ean h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng tham gia, h\u00e3y chu\u1ea9n b\u1ecb: (1) m\u00f4 t\u1ea3 d\u1ef1 \u00e1n c\u00f4ng ngh\u1ec7 n\u00eau r\u00f5 c\u00f4ng ngh\u1ec7 c\u1ee5 th\u1ec3 \u0111ang \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao ho\u1eb7c \u0111\u1ed5i m\u1edbi; (2) th\u1ecfa thu\u1eadn ho\u1eb7c b\u00e1o gi\u00e1 c\u1ee7a nh\u00e0 cung c\u1ea5p bao g\u1ed3m c\u00e1c th\u00e0nh ph\u1ea7n c\u00f4ng ngh\u1ec7 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n; (3) b\u1ea3ng ph\u00e2n t\u00edch chi ph\u00ed th\u1ec3 hi\u1ec7n c\u00e1ch s\u1eed d\u1ee5ng v\u1ed1n vay; (4) d\u1ef1 b\u00e1o ROI ho\u1eb7c t\u00e1c \u0111\u1ed9ng n\u0103ng su\u1ea5t v\u1edbi s\u1ed1 li\u1ec7u c\u1ee5 th\u1ec3 v\u1ec1 l\u1ee3i \u00edch kinh doanh d\u1ef1 ki\u1ebfn; v\u00e0 (5) b\u00e1o c\u00e1o t\u00e0i ch\u00ednh t\u1ed1i thi\u1ec3u 2 n\u0103m g\u1ea7n nh\u1ea5t ch\u1ee9ng minh n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3. H\u1ed3 s\u01a1 c\u00e0ng chi ti\u1ebft v\u00e0 c\u1ee5 th\u1ec3, ng\u00e2n h\u00e0ng x\u1eed l\u00fd \u0111\u0103ng k\u00fd h\u1ed7 tr\u1ee3 c\u00e0ng nhanh.<\/p>\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\",<br \/>\n  \"@graph\": [<br \/>\n    {<br \/>\n      \"@type\": \"Article\",<br \/>\n      \"headline\": \"Ho Tro 50% Lai Suat Vay Doi Moi Cong Nghe: Co Hoi Vang Cho Doanh Nghiep Du Lieu Viet Nam 2026\",<br \/>\n      \"description\": \"Nha nuoc ho tro 50% lai suat vay cho doanh nghiep dau tu doi moi cong nghe, toi da 6%\/nam trong 5 nam. Co hoi lon cho cac doi du lieu va AI Viet Nam.\",<br \/>\n      \"author\": {<br \/>\n        \"@type\": \"Organization\",<br \/>\n        \"name\": \"DataCore\",<br \/>\n        \"url\": \"https:\/\/datacore.vn\"<br \/>\n      },<br \/>\n      \"publisher\": {<br \/>\n        \"@type\": \"Organization\",<br \/>\n        \"name\": \"DataCore\",<br \/>\n        \"logo\": {<br \/>\n          \"@type\": \"ImageObject\",<br \/>\n          \"url\": \"https:\/\/datacore.vn\/logo.png\"<br \/>\n        }<br \/>\n      },<br \/>\n      \"datePublished\": \"2026-07-12\",<br \/>\n      \"dateModified\": \"2026-07-12\",<br \/>\n      \"mainEntityOfPage\": \"https:\/\/blog.datacore.vn\/vi\/ho-tro-lai-suat-doi-moi-cong-nghe-viet-nam-2026\/\",<br \/>\n      \"keywords\": \"ho tro lai suat doi moi cong nghe 2026, Nghi quyet 57, chuyen doi so Viet Nam, nen tang du lieu, dau tu AI Viet Nam, KYB data\"<br \/>\n    },<br \/>\n    {<br \/>\n      \"@type\": \"FAQPage\",<br \/>\n      \"mainEntity\": [<br \/>\n        {<br \/>\n          \"@type\": \"Question\",<br \/>\n          \"name\": \"Chinh sach ho tro 50% lai suat ap dung cho khoan vay cong nghe hien co hay chi khoan vay moi?\",<br \/>\n          \"acceptedAnswer\": {<br \/>\n            \"@type\": \"Answer\",<br \/>\n            \"text\": \"Chinh sach ap dung cho hop dong vay moi ky ket sau khi chinh sach co hieu luc. Cac khoan vay hien co khong tu dong du dieu kien nhan ho tro hoi to. Doanh nghiep tai co cau no cong nghe hien co thanh hop dong moi co the tiep can ho tro neu hop dong moi dap ung day du moi tieu chi.\"<br \/>\n          }<br \/>\n        },<br \/>\n        {<br \/>\n          \"@type\": \"Question\",<br \/>\n          \"name\": \"Co gioi han ve so tien vay toi da duoc huong chinh sach ho tro lai suat doi moi cong nghe khong?\",<br \/>\n          \"acceptedAnswer\": {<br \/>\n            \"@type\": \"Answer\",<br \/>\n            \"text\": \"Chinh sach khong dat gioi han von vay toi da. Muc khong che la ty le ho tro lai suat tu Nha nuoc, toi da 6%\/nam bat ke quy mo khoan vay. Doanh nghiep co khoan dau tu cong nghe lon hon co the vay theo ty le tuong ung va van nhan cung muc ho tro lai suat theo ty le phan tram.\"<br \/>\n          }<br \/>\n        },<br \/>\n        {<br \/>\n          \"@type\": \"Question\",<br \/>\n          \"name\": \"Doanh nghiep Viet Nam co the su dung khoan ho tro cho hop dong voi nha cung cap cong nghe nuoc ngoai khong?\",<br \/>\n          \"acceptedAnswer\": {<br \/>\n            \"@type\": \"Answer\",<br \/>\n            \"text\": \"Co. Chuyen giao cong nghe tu nguon nuoc ngoai la mot trong ba nhom du dieu kien duoc neu ro trong chinh sach. Cac khoan vay de tai tro cho cap phep cong nghe nuoc ngoai, dang ky phan mem tu nha cung cap nuoc ngoai hoac du an phat trien chung voi doi tac cong nghe nuoc ngoai ve nguyen tac deu du dieu kien voi tai lieu phu hop.\"<br \/>\n          }<br \/>\n        },<br \/>\n        {<br \/>\n          \"@type\": \"Question\",<br \/>\n          \"name\": \"Du lieu cong ty cua DataCore giup ngan hang quan ly rui ro danh muc vay cong nghe duoc ho tro nhu the nao?\",<br \/>\n          \"acceptedAnswer\": {<br \/>\n            \"@type\": \"Answer\",<br \/>\n            \"text\": \"Dich vu Company Intelligence cua DataCore cung cap cho to chuc cho vay du lieu co cau truc, cap nhat ve doanh nghiep Viet Nam bao gom tinh trang phap ly, chi so tai chinh va co tuan thu, giup nang cao chat luong quyet dinh tin dung. Du lieu nguoi vay tot hon co nghia la rui ro vo no thap hon trong danh muc vay duoc ho tro.\"<br \/>\n          }<br \/>\n        },<br \/>\n        {<br \/>\n          \"@type\": \"Question\",<br \/>\n          \"name\": \"Can chuan bi nhung tai lieu gi truoc khi tiep can ngan hang ve khoan vay doi moi cong nghe?\",<br \/>\n          \"acceptedAnswer\": {<br \/>\n            \"@type\": \"Answer\",<br \/>\n            \"text\": \"Chuan bi: (1) mo ta du an cong nghe cu the; (2) thoa thuan hoac bao gia cua nha cung cap; (3) bang phan tich chi phi; (4) du bao ROI voi so lieu cu the; va (5) bao cao tai chinh toi thieu 2 nam gan nhat. Ho so cang chi tiet va cu the, ngan hang xu ly dang ky ho tro cang nhanh.\"<br \/>\n          }<br \/>\n        }<br \/>\n      ]<br \/>\n    }<br \/>\n  ]<br \/>\n}<br \/>\n<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00f3m t\u1eaft: Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam hi\u1ec7n h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng cho c\u00e1c doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 v\u00e0o \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam - t\u1ed1i \u0111a 6%\/n\u0103m v\u00e0 k\u00e9o d\u00e0i \u0111\u1ebfn 5 n\u0103m cho m\u1ed7i h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. K\u1ebft h\u1ee3p v\u1edbi Ngh\u1ecb quy\u1ebft 57 [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":2340,"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":[19,82],"tags":[1541,1279,1544,1547],"class_list":["post-2317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","category-cong-nghe-vi","tag-chinh-sach-cong-nghe-vi","tag-dc-2026-w28-vi-vi","tag-doi-moi-sang-tao-vi","tag-ho-tro-lai-suat-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4.jpg",1280,850,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-300x199.jpg",300,199,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-768x510.jpg",768,510,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-1024x680.jpg",1024,680,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4.jpg",1280,850,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4.jpg",1280,850,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vn-subsidy-img-4-18x12.jpg",18,12,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"T\u00f3m t\u1eaft: Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam hi\u1ec7n h\u1ed7 tr\u1ee3 50% l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng cho c\u00e1c doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 v\u00e0o \u1ee9ng d\u1ee5ng, chuy\u1ec3n giao v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 Vi\u1ec7t Nam - t\u1ed1i \u0111a 6%\/n\u0103m v\u00e0 k\u00e9o d\u00e0i \u0111\u1ebfn 5 n\u0103m cho m\u1ed7i h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. K\u1ebft h\u1ee3p v\u1edbi Ngh\u1ecb quy\u1ebft 57&hellip;","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/comments?post=2317"}],"version-history":[{"count":13,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2317\/revisions"}],"predecessor-version":[{"id":2409,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2317\/revisions\/2409"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/2340"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=2317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=2317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=2317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}