{"id":4382,"date":"2026-08-27T17:09:03","date_gmt":"2026-08-27T10:09:03","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=4382"},"modified":"2026-08-27T17:09:05","modified_gmt":"2026-08-27T10:09:05","slug":"doanh-nghiep-vua-va-nho-tiep-can-von-vay","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/doanh-nghiep-vua-va-nho-tiep-can-von-vay\/","title":{"rendered":"Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf Ti\u1ebfp C\u1eadn V\u1ed1n Vay: 4 Gi\u1ea3i Ph\u00e1p T\u1eeb D\u1eef Li\u1ec7u Thay Th\u1ebf"},"content":{"rendered":"

T\u00f3m t\u1eaft:<\/strong> Theo VnExpress, m\u1ed9t trong nh\u1eefng b\u00e1o \u0111i\u1ec7n t\u1eed l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, \u0111\u01b0a tin ng\u00e0y 25\/08\/2026, t\u00ecnh tr\u1ea1ng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay t\u1ea1i Vi\u1ec7t Nam v\u1eabn r\u1ea5t h\u1ea1n ch\u1ebf, khi ch\u01b0a \u0111\u1ebfn 10% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (DNVVN) c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c v\u1ed1n ng\u00e2n h\u00e0ng. D\u1eef li\u1ec7u thay th\u1ebf nh\u01b0 h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd kinh doanh, t\u00edn hi\u1ec7u giao d\u1ecbch v\u00e0 d\u1ea5u v\u1ebft s\u1ed1 c\u00f3 th\u1ec3 gi\u00fap m\u1edf r\u1ed9ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng v\u01b0\u1ee3t ra ngo\u00e0i b\u00e1o c\u00e1o t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng.<\/em><\/p>\n\n\n\n

Theo VnExpress \u0111\u01b0a tin ng\u00e0y 25\/08\/2026, ch\u01b0a \u0111\u1ebfn 10% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay ng\u00e2n h\u00e0ng. V\u1edbi vi\u1ec7c DNVVN chi\u1ebfm ph\u1ea7n l\u1edbn s\u1ed1 doanh nghi\u1ec7p \u0111\u0103ng k\u00fd v\u00e0 ph\u1ea7n l\u1edbn vi\u1ec7c l\u00e0m t\u1ea1i Vi\u1ec7t Nam, con s\u1ed1 n\u00e0y cho th\u1ea5y m\u1ed9t kho\u1ea3ng tr\u1ed1ng t\u00e0i ch\u00ednh \u0111\u1ee7 l\u1edbn \u0111\u1ec3 k\u00ecm h\u00e3m t\u0103ng tr\u01b0\u1edfng c\u1ee7a nhi\u1ec1u ng\u00e0nh kinh t\u1ebf.<\/p>\n\n\n\n

B\u00e0i vi\u1ebft n\u00e0y ph\u00e2n t\u00edch v\u00ec sao doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay<\/strong> v\u1eabn c\u00f2n r\u1ea5t h\u1ea1n ch\u1ebf d\u01b0\u1edbi m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng, ng\u00e2n h\u00e0ng \u0111ang b\u1ecf s\u00f3t nh\u1eefng t\u00edn hi\u1ec7u n\u00e0o, v\u00e0 d\u1eef li\u1ec7u thay th\u1ebf c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng ra sao.<\/p>\n\n\n\n

\"doanh
Vi\u00eac doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay v\u1eabn c\u00f2n h\u1ea1n ch\u1ebf d\u01b0\u1edbi m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng.<\/figcaption><\/figure>\n\n\n\n

Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay: V\u00ec Sao V\u1eabn C\u00f2n Qu\u00e1 H\u1ea1n Ch\u1ebf?<\/h2>\n\n\n\n

M\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng cho nh\u1eefng kh\u00e1ch h\u00e0ng l\u1edbn, \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng l\u00e2u n\u0103m, c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n nhi\u1ec1u n\u0103m li\u1ec1n v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p r\u00f5 r\u00e0ng nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n hay m\u00e1y m\u00f3c thi\u1ebft b\u1ecb. Ph\u1ea7n l\u1edbn doanh nghi\u1ec7p nh\u1ecf t\u1ea1i Vi\u1ec7t Nam kh\u00f4ng c\u00f3 \u0111\u01b0\u1ee3c h\u1ed3 s\u01a1 nh\u01b0 v\u1eady, v\u00e0 \u0111\u00e2y ch\u00ednh l\u00e0 l\u00fd do khi\u1ebfn doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay v\u1eabn c\u00f2n r\u1ea5t h\u1ea1n ch\u1ebf.<\/p>\n\n\n\n

Nhi\u1ec1u doanh nghi\u1ec7p ghi ch\u00e9p s\u1ed5 s\u00e1ch theo h\u00ecnh th\u1ee9c \u0111\u01a1n gi\u1ea3n ho\u1eb7c phi ch\u00ednh th\u1ee9c, k\u00ea khai thu\u1ebf \u1edf quy m\u00f4 nh\u1ecf h\u01a1n nhi\u1ec1u so v\u1edbi doanh nghi\u1ec7p l\u1edbn, v\u00e0 kh\u00f4ng c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ki\u1ec3m to\u00e1n nhi\u1ec1u n\u0103m \u0111\u1ec3 c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng ch\u1ea5m \u0111i\u1ec3m.<\/p>\n\n\n\n

T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 r\u00e0o c\u1ea3n l\u1edbn th\u1ee9 hai \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay t\u1ea1i Vi\u1ec7t Nam. Ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o cho vay c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, trong khi nhi\u1ec1u doanh nghi\u1ec7p nh\u1ecf, \u0111\u1eb7c bi\u1ec7t l\u00e0 doanh nghi\u1ec7p tr\u1ebb ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5, th\u01b0\u1eddng kh\u00f4ng s\u1edf h\u1eefu quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t hay t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh m\u00e0 ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n\n\n\n

S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh m\u1ecfng v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p h\u1ea1n ch\u1ebf khi\u1ebfn nhi\u1ec1u h\u1ed3 s\u01a1 vay b\u1ecb x\u1ebfp v\u00e0o nh\u00f3m r\u1ee7i ro cao tr\u01b0\u1edbc c\u1ea3 khi c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u1ecdc \u0111\u1ebfn k\u1ebf ho\u1ea1ch kinh doanh. S\u1ed1 li\u1ec7u d\u01b0\u1edbi 10% m\u00e0 VnExpress \u0111\u01b0a tin ng\u00e0y 25\/08\/2026 ph\u1ea3n \u00e1nh \u0111\u00fang s\u1ef1 l\u1ec7ch pha mang t\u00ednh c\u1ea5u tr\u00fac n\u00e0y, v\u1ed1n l\u00e0 r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n\n\n\n

\"doanh
Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay v\u00ec h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng m\u1ecfng<\/figcaption><\/figure>\n\n\n\n

Ng\u00e2n H\u00e0ng \u0110ang B\u1ecf S\u00f3t Nh\u1eefng T\u00edn Hi\u1ec7u R\u1ee7i Ro N\u00e0o?<\/h2>\n\n\n\n

B\u00e1o c\u00e1o t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c ch\u1ec9 l\u00e0 m\u1ed9t \u0111\u1ea1i di\u1ec7n cho m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m, ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1ea3n th\u00e2n m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m. M\u1ed9t doanh nghi\u1ec7p c\u00f3 th\u1ec3 thanh to\u00e1n \u0111\u00fang h\u1ea1n cho nh\u00e0 cung c\u1ea5p, m\u1edf r\u1ed9ng t\u1ec7p kh\u00e1ch h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng uy t\u00edn t\u1ed1t tr\u00ean m\u00f4i tr\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn, nh\u01b0ng v\u1eabn kh\u00f4ng th\u1ec3 ch\u1ea5m \u0111i\u1ec3m \u0111\u01b0\u1ee3c trong m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng v\u00ec nh\u1eefng ho\u1ea1t \u0111\u1ed9ng \u0111\u00f3 kh\u00f4ng xu\u1ea5t hi\u1ec7n tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n.<\/p>\n\n\n\n

C\u00e1c h\u1ed9 kinh doanh d\u00f9ng ti\u1ec1n m\u1eb7t, v\u1ed1n r\u1ea5t ph\u1ed5 bi\u1ebfn trong ng\u00e0nh b\u00e1n l\u1ebb v\u00e0 d\u1ecbch v\u1ee5 t\u1ea1i Vi\u1ec7t Nam, t\u1ea1o ra kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch th\u1ef1c t\u1ebf nh\u01b0ng ch\u01b0a t\u1eebng \u0111\u01b0\u1ee3c ghi nh\u1eadn ch\u00ednh th\u1ee9c, n\u00ean kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o \u0111i\u1ec3m t\u00edn d\u1ee5ng, d\u00f9 \u0111\u00e2y ch\u00ednh l\u00e0 lo\u1ea1i d\u1eef li\u1ec7u c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay n\u1ebfu \u0111\u01b0\u1ee3c khai th\u00e1c \u0111\u00fang c\u00e1ch.<\/p>\n\n\n\n

D\u1eef li\u1ec7u \u0111\u0103ng k\u00fd kinh doanh c\u0169ng l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u00f9 kh\u00e1c trong h\u00e0nh tr\u00ecnh doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay. Ng\u00e0y th\u00e0nh l\u1eadp, c\u01a1 c\u1ea5u s\u1edf h\u1eefu, thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt v\u00e0 l\u1ecbch s\u1eed c\u1ea5p ph\u00e9p c\u1ee7a m\u1ed9t doanh nghi\u1ec7p \u0111\u1ec1u n\u00f3i l\u00ean \u0111i\u1ec1u g\u00ec \u0111\u00f3 v\u1ec1 m\u1ee9c \u0111\u1ed9 \u1ed5n \u0111\u1ecbnh v\u00e0 qu\u1ea3n tr\u1ecb, nh\u01b0ng ph\u1ea7n l\u1edbn ng\u00e2n h\u00e0ng ch\u01b0a khai th\u00e1c v\u00e0 ph\u00e2n t\u00edch m\u1ed9t c\u00e1ch h\u1ec7 th\u1ed1ng nh\u00f3m d\u1eef li\u1ec7u n\u00e0y \u1edf ph\u00e2n kh\u00fac DNVVN, khi\u1ebfn doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay ch\u1eadm c\u1ea3i thi\u1ec7n.<\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay, d\u1ea5u v\u1ebft s\u1ed1, ho\u1ea1t \u0111\u1ed9ng b\u00e1n h\u00e0ng tr\u00ean th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, quan h\u1ec7 v\u1edbi nh\u00e0 cung c\u1ea5p v\u00e0 kh\u00e1ch h\u00e0ng, th\u1eadm ch\u00ed c\u1ea3 m\u1ee9c \u0111\u1ed9 \u0111\u1ec1u \u0111\u1eb7n trong thanh to\u00e1n h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch c\u0169ng mang nhi\u1ec1u th\u00f4ng tin h\u1eefu \u00edch nh\u01b0ng l\u1ea1i b\u1ecb b\u1ecf qua t\u01b0\u01a1ng t\u1ef1.<\/p>\n\n\n\n

T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1ch x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc trong b\u00e0i vi\u1ebft chi\u1ebfn l\u01b0\u1ee3c ph\u00f2ng th\u1ee7 t\u00e0i ch\u00ednh<\/mark><\/a> c\u1ee7a DataCore.<\/p>\n\n\n\n

Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay: D\u1eef Li\u1ec7u Thay Th\u1ebf Gi\u00fap \u0110\u01b0\u1ee3c G\u00ec?<\/h2>\n\n\n\n
\"D\u1eef
D\u1eef li\u1ec7u thay th\u1ebf h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay<\/figcaption><\/figure>\n\n\n\n

D\u1eef li\u1ec7u thay th\u1ebf kh\u00f4ng thay th\u1ebf ho\u00e0n to\u00e0n th\u1ea9m \u0111\u1ecbnh truy\u1ec1n th\u1ed1ng, m\u00e0 m\u1edf r\u1ed9ng th\u00eam ph\u1ea1m vi \u0111\u00e1nh gi\u00e1, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay. H\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd kinh doanh x\u00e1c l\u1eadp danh t\u00ednh ph\u00e1p l\u00fd v\u00e0 l\u1ecbch s\u1eed s\u1edf h\u1eefu \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh tr\u01b0\u1edbc khi ng\u00e2n h\u00e0ng nh\u00ecn v\u00e0o b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. T\u00edn hi\u1ec7u giao d\u1ecbch, ch\u1eb3ng h\u1ea1n m\u1ee9c \u0111\u1ed9 \u0111\u1ec1u \u0111\u1eb7n khi thanh to\u00e1n cho nh\u00e0 cung c\u1ea5p, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc hay c\u00e1c n\u1ec1n t\u1ea3ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, gi\u00fap d\u1ef1ng n\u00ean b\u1ee9c tranh h\u00e0nh vi tr\u1ea3 n\u1ee3 ngay c\u1ea3 v\u1edbi doanh nghi\u1ec7p ch\u01b0a c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ki\u1ec3m to\u00e1n.<\/p>\n\n\n\n

D\u1ea5u v\u1ebft s\u1ed1, bao g\u1ed3m th\u00f4ng tin \u0111\u0103ng k\u00fd kinh doanh tr\u1ef1c tuy\u1ebfn, l\u01b0\u1ee3ng \u0111\u00e1nh gi\u00e1 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u00e1n h\u00e0ng tr\u1ef1c tuy\u1ebfn, b\u1ed5 sung th\u00eam m\u1ed9t l\u1edbp b\u1eb1ng ch\u1ee9ng cho th\u1ea5y doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng th\u1eadt, \u0111ang t\u0103ng tr\u01b0\u1edfng, ch\u1ee9 kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p h\u00ecnh th\u1ee9c.<\/p>\n\n\n\n

Khung ph\u00e1p l\u00fd v\u1ec1 th\u1ecb tr\u01b0\u1eddng d\u1eef li\u1ec7u t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch trong b\u00e0i vi\u1ebft Ngh\u1ecb \u0111\u1ecbnh 314 v\u00e0 th\u1ecb tr\u01b0\u1eddng d\u1eef li\u1ec7u<\/mark><\/a> c\u1ee7a DataCore, c\u0169ng \u0111ang t\u1ea1o th\u00eam \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vi\u1ec7c chia s\u1ebb d\u1eef li\u1ec7u gi\u1eefa c\u01a1 quan \u0111\u0103ng k\u00fd v\u00e0 b\u00ean cho vay tr\u1edf n\u00ean kh\u1ea3 thi h\u01a1n.<\/p>\n\n\n\n

\u0110\u00e2y ch\u00ednh l\u00e0 l\u00fac n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u doanh nghi\u1ec7p ph\u00e1t huy vai tr\u00f2 trong vi\u1ec7c th\u00fac \u0111\u1ea9y doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay: h\u1ee3p nh\u1ea5t th\u00f4ng tin \u0111\u0103ng k\u00fd, s\u1edf h\u1eefu v\u00e0 ho\u1ea1t \u0111\u1ed9ng v\u00e0o m\u1ed9t ngu\u1ed3n tra c\u1ee9u duy nh\u1ea5t, gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty fintech \u0111\u00e1nh gi\u00e1 \u0111\u00fang h\u1ed3 s\u01a1 v\u1eadn h\u00e0nh th\u1ef1c t\u1ebf c\u1ee7a t\u1eebng doanh nghi\u1ec7p, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o h\u1ed3 s\u01a1 gi\u1ea5y t\u1edd, t\u1eebng b\u01b0\u1edbc thu h\u1eb9p kho\u1ea3ng tr\u1ed1ng v\u1ed1n vay cho kh\u1ed1i doanh nghi\u1ec7p nh\u1ecf.<\/p>\n\n\n\n

\"DataCore
DataCore l\u00e0 n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u doanh nghi\u1ec7p gi\u00fap h\u1ee3p nh\u1ea5t th\u00f4ng tin \u0111\u0103ng k\u00fd, s\u1edf h\u1eefu v\u00e0 ho\u1ea1t \u0111\u1ed9ng v\u00e0o m\u1ed9t ngu\u1ed3n tra c\u1ee9u duy nh\u1ea5t<\/figcaption><\/figure>\n\n\n\n

C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/h2>\n\n\n\n

Bao nhi\u00eau ph\u1ea7n tr\u0103m doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay th\u00e0nh c\u00f4ng t\u1ea1i Vi\u1ec7t Nam?<\/h3>\n\n\n\n

Theo VnExpress \u0111\u01b0a tin ng\u00e0y 25\/08\/2026, ch\u01b0a \u0111\u1ebfn 10% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c v\u1ed1n ng\u00e2n h\u00e0ng. Con s\u1ed1 n\u00e0y ph\u1ea3n \u00e1nh kho\u1ea3ng c\u00e1ch mang t\u00ednh c\u1ea5u tr\u00fac gi\u1eefa c\u00e1ch ng\u00e2n h\u00e0ng ch\u1ea5m \u0111i\u1ec3m r\u1ee7i ro v\u00e0 c\u00e1ch ph\u1ea7n l\u1edbn doanh nghi\u1ec7p nh\u1ecf \u0111ang th\u1ef1c s\u1ef1 v\u1eadn h\u00e0nh, v\u00e0 gi\u1ea3i th\u00edch v\u00ec sao doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay v\u1eabn l\u00e0 b\u00e0i to\u00e1n kh\u00f3.<\/p>\n\n\n\n

V\u00ec sao ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i ph\u1ea7n l\u1edbn h\u1ed3 s\u01a1 vay c\u1ee7a doanh nghi\u1ec7p nh\u1ecf?<\/h3>\n\n\n\n

Ng\u00e2n h\u00e0ng th\u01b0\u1eddng y\u00eau c\u1ea7u b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ki\u1ec3m to\u00e1n nhi\u1ec1u n\u0103m v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p nh\u01b0 \u0111\u1ea5t \u0111ai hay t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh, trong khi nhi\u1ec1u doanh nghi\u1ec7p nh\u1ecf kh\u00f4ng c\u00f3 \u0111\u1ee7 hai \u0111i\u1ec1u ki\u1ec7n n\u00e0y. Thi\u1ebfu h\u1ed3 s\u01a1 \u0111\u00f3, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 ch\u1ea5m \u0111i\u1ec3m r\u1ee7i ro, n\u00ean h\u1ed3 s\u01a1 th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i thay v\u00ec \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean hi\u1ec7u qu\u1ea3 kinh doanh th\u1ef1c t\u1ebf, thay v\u00ec d\u1ef1a tr\u00ean ti\u1ec1m n\u0103ng th\u1ef1c s\u1ef1 c\u1ee7a doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n\n\n\n

D\u1eef li\u1ec7u thay th\u1ebf trong cho vay doanh nghi\u1ec7p nh\u1ecf l\u00e0 g\u00ec?<\/h3>\n\n\n\n

D\u1eef li\u1ec7u thay th\u1ebf l\u00e0 nh\u1eefng th\u00f4ng tin n\u1eb1m ngo\u00e0i b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, nh\u01b0 h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd kinh doanh, l\u1ecbch s\u1eed giao d\u1ecbch v\u00e0 thanh to\u00e1n, d\u1ea5u v\u1ebft s\u1ed1 v\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed. B\u00ean cho vay d\u00f9ng d\u1eef li\u1ec7u n\u00e0y \u0111\u1ec3 d\u1ef1ng b\u1ee9c tranh r\u1ee7i ro cho nh\u1eefng doanh nghi\u1ec7p ch\u01b0a c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh ki\u1ec3m to\u00e1n, m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 c\u1ea3i thi\u1ec7n doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n\n\n\n

D\u1eef li\u1ec7u thay th\u1ebf c\u00f3 th\u1ec3 thay ho\u00e0n to\u00e0n b\u00e1o c\u00e1o t\u00e0i ch\u00ednh kh\u00f4ng?<\/h3>\n\n\n\n

Kh\u00f4ng, v\u00e0 \u0111\u00e2y l\u00e0 \u0111i\u1ec3m quan tr\u1ecdng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay: d\u1eef li\u1ec7u thay th\u1ebf m\u1edf r\u1ed9ng th\u00eam kh\u1ea3 n\u0103ng th\u1ea9m \u0111\u1ecbnh ch\u1ee9 kh\u00f4ng thay th\u1ebf ho\u00e0n to\u00e0n b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. N\u00f3 cung c\u1ea5p th\u00eam t\u00edn hi\u1ec7u c\u00f3 th\u1ec3 x\u00e1c minh \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 nh\u1eefng doanh nghi\u1ec7p v\u1ed1n kh\u00f4ng th\u1ec3 ch\u1ea5m \u0111i\u1ec3m theo m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng, trong khi b\u00e1o c\u00e1o t\u00e0i ch\u00ednh v\u1eabn l\u00e0 d\u1eef li\u1ec7u c\u1ed1t l\u00f5i \u1edf nh\u1eefng n\u01a1i doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 s\u1eb5n, b\u1ed5 sung ch\u1ee9 kh\u00f4ng thay th\u1ebf con \u0111\u01b0\u1eddng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n\n\n\n

D\u1eef li\u1ec7u doanh nghi\u1ec7p gi\u00fap thu h\u1eb9p kho\u1ea3ng tr\u1ed1ng v\u1ed1n vay nh\u01b0 th\u1ebf n\u00e0o?<\/h3>\n\n\n\n

N\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u doanh nghi\u1ec7p, c\u00f4ng c\u1ee5 tr\u1ef1c ti\u1ebfp h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay, h\u1ee3p nh\u1ea5t th\u00f4ng tin \u0111\u0103ng k\u00fd, s\u1edf h\u1eefu v\u00e0 ho\u1ea1t \u0111\u1ed9ng v\u00e0o m\u1ed9t ngu\u1ed3n tra c\u1ee9u duy nh\u1ea5t, gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty fintech \u0111\u00e1nh gi\u00e1 \u0111\u00fang h\u1ed3 s\u01a1 v\u1eadn h\u00e0nh th\u1ef1c t\u1ebf c\u1ee7a doanh nghi\u1ec7p thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o l\u1ecbch s\u1eed t\u00e0i ch\u00ednh m\u1ecfng ho\u1eb7c kh\u00f4ng c\u00f3, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay tr\u00ean di\u1ec7n r\u1ed9ng.<\/p>\n\n\n\n

Doanh nghi\u1ec7p nh\u1ecf n\u00ean l\u00e0m g\u00ec \u0111\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng vay v\u1ed1n?<\/h3>\n\n\n\n

Doanh nghi\u1ec7p c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch chu\u1ea9n h\u00f3a nh\u1eefng d\u1eef li\u1ec7u \u0111ang c\u00f3 s\u1eb5n: h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd kinh doanh, h\u00f3a \u0111\u01a1n v\u1edbi nh\u00e0 cung c\u1ea5p, l\u1ecbch s\u1eed thanh to\u00e1n h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch v\u00e0 nh\u1eadt k\u00fd b\u00e1n h\u00e0ng tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed. \u0110\u00e2y ch\u00ednh l\u00e0 nh\u1eefng d\u1eef li\u1ec7u m\u00e0 m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u thay th\u1ebf s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, v\u00e0 vi\u1ec7c chu\u1ea9n h\u00f3a ch\u00fang l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean thi\u1ebft th\u1ef1c \u0111\u1ec3 c\u1ea3i thi\u1ec7n doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng hay c\u00f4ng ty fintech \u0111i tr\u01b0\u1edbc trong vi\u1ec7c d\u00f9ng d\u1eef li\u1ec7u thay th\u1ebf?<\/h3>\n\n\n\n

C\u00e1c c\u00f4ng ty fintech th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc v\u00ec h\u1ec7 th\u1ed1ng th\u1ea9m \u0111\u1ecbnh c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng ngay t\u1eeb \u0111\u1ea7u d\u1ef1a tr\u00ean t\u00edn hi\u1ec7u d\u1eef li\u1ec7u thay v\u00ec h\u1ed3 s\u01a1 gi\u1ea5y t\u1edd. Ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111ang d\u1ea7n b\u1eaft k\u1ecbp khi c\u00e1c n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u doanh nghi\u1ec7p gi\u00fap vi\u1ec7c ti\u1ebfp c\u1eadn th\u00f4ng tin \u0111\u0103ng k\u00fd v\u00e0 ho\u1ea1t \u0111\u1ed9ng tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n, t\u1eebng b\u01b0\u1edbc \u0111\u01b0a doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay tr\u1edf th\u00e0nh xu h\u01b0\u1edbng chung c\u1ee7a c\u1ea3 ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Kho\u1ea3ng tr\u1ed1ng t\u00e0i ch\u00ednh m\u00e0 VnExpress n\u00eau ra ng\u00e0y 25\/08\/2026 s\u1ebd kh\u00f4ng th\u1ec3 thu h\u1eb9p ch\u1ec9 b\u1eb1ng thay \u0111\u1ed5i ch\u00ednh s\u00e1ch th\u1ea9m \u0111\u1ecbnh; n\u00f3 \u0111\u00f2i h\u1ecfi b\u00ean cho vay nh\u00ecn th\u1ea5y nhi\u1ec1u h\u01a1n nh\u1eefng g\u00ec m\u1ed9t b\u00e1o c\u00e1o t\u00e0i ch\u00ednh th\u1ec3 hi\u1ec7n.<\/p>\n\n\n\n

D\u1eef li\u1ec7u thay th\u1ebf, b\u1eaft \u0111\u1ea7u t\u1eeb th\u00f4ng tin \u0111\u0103ng k\u00fd kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh, mang l\u1ea1i cho ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty fintech m\u1ed9t c\u00e1ch th\u1ef1c t\u1ebf \u0111\u1ec3 ch\u1ea5m \u0111i\u1ec3m nh\u1eefng doanh nghi\u1ec7p nh\u1ecf m\u00e0 m\u00f4 h\u00ecnh hi\u1ec7n t\u1ea1i ch\u01b0a th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c. Kh\u00e1m ph\u00e1 d\u1eef li\u1ec7u doanh nghi\u1ec7p c\u1ee7a DataCore<\/a> \u0111\u1ec3 xem h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd kinh doanh v\u00e0 c\u00e1c t\u00edn hi\u1ec7u c\u1ea5p doanh nghi\u1ec7p c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf to\u00e0n di\u1ec7n h\u01a1n ra sao.<\/p>","protected":false},"excerpt":{"rendered":"

Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n. Xem 4 gi\u1ea3i ph\u00e1p d\u1eef li\u1ec7u thay th\u1ebf gi\u00fap thu h\u1eb9p kho\u1ea3ng tr\u1ed1ng t\u00edn d\u1ee5ng.<\/p>","protected":false},"author":19,"featured_media":4475,"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":[19,1771],"tags":[3122,3207,697,3210],"class_list":["post-4382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","category-finance-vi","tag-dc-2026-w35-vi-vi","tag-du-lieu-thay-the-vi","tag-ngan-hang-viet-nam-vi","tag-tin-dung-doanh-nghiep-nho-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the.jpg",1200,630,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the-300x158.jpg",300,158,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the-768x403.jpg",768,403,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the-1024x538.jpg",1024,538,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the.jpg",1200,630,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the.jpg",1200,630,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/doanh-nghiep-vua-va-nho-tiep-can-von-voi-du-lieu-thay-the-18x9.jpg",18,9,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"Doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n. Xem 4 gi\u1ea3i ph\u00e1p d\u1eef li\u1ec7u thay th\u1ebf gi\u00fap thu h\u1eb9p kho\u1ea3ng tr\u1ed1ng t\u00edn d\u1ee5ng.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4382","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=4382"}],"version-history":[{"count":4,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4382\/revisions"}],"predecessor-version":[{"id":4476,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4382\/revisions\/4476"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/4475"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=4382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=4382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=4382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}