{"id":4418,"date":"2026-08-29T11:58:26","date_gmt":"2026-08-29T04:58:26","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=4418"},"modified":"2026-08-29T11:58:55","modified_gmt":"2026-08-29T04:58:55","slug":"tin-dung-408000-ty-doanh-nghiep-vua-va-nho","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/tin-dung-408000-ty-doanh-nghiep-vua-va-nho\/","title":{"rendered":"G\u00f3i T\u00edn D\u1ee5ng 408.000 T\u1ef7 \u0110\u1ed3ng Cho Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf Vi\u1ec7t Nam"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u00f4ng b\u1ed1 12 ng\u00e2n h\u00e0ng cam k\u1ebft r\u00f3t 408.000 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 16 t\u1ef7 \u0111\u00f4 la M\u1ef9, cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf<\/strong>, theo s\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt ng\u00e0y 24\/8\/2026. Tuy nhi\u00ean ch\u1ec9 8,8% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n ng\u00e2n h\u00e0ng, cho th\u1ea5y kho\u1ea3ng c\u00e1ch t\u00edn d\u1ee5ng v\u1eabn c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n\n\n\n

G\u00f3i t\u00edn d\u1ee5ng cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam v\u1eeba nh\u1eadn c\u00fa h\u00edch l\u1edbn. Ng\u00e0y 24\/8\/2026, NHNN x\u00e1c nh\u1eadn 12 ng\u00e2n h\u00e0ng, g\u1ed3m 4 ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (\"Big4\") v\u00e0 8 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n, \u0111\u0103ng k\u00fd cam k\u1ebft 408.000 t\u1ef7 \u0111\u1ed3ng, kho\u1ea3ng 16 t\u1ef7 \u0111\u00f4 la M\u1ef9. Th\u00f4ng b\u00e1o theo sau cu\u1ed9c h\u1ecdp gi\u1eefa Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng v\u00e0 NHNN gi\u1eefa th\u00e1ng 8\/2026, ch\u1ec9 \u0111\u1ea1o ng\u00e0nh ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 th\u1ef1c s\u1ef1 gi\u1ea3m chi ph\u00ed vay, kh\u00f4ng ch\u1ec9 h\u1ea1 l\u00e3i su\u1ea5t ni\u00eam y\u1ebft.<\/p>\n\n\n\n

\"Goi
408.000 t\u1ef7 \u0111\u1ed3ng \u0111\u01b0\u1ee3c 12 ng\u00e2n h\u00e0ng cam k\u1ebft cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf - NHNN, th\u00e1ng 8\/2026.<\/figcaption><\/figure>\n\n\n\n

T\u1eebng Ng\u00e2n H\u00e0ng Cam K\u1ebft Bao Nhi\u00eau V\u1ed1n Cho Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf?<\/h2>\n\n\n\n

B\u1ed1n ng\u00e2n h\u00e0ng Big4 \u0111\u00f3ng g\u00f3p 220.000 t\u1ef7 \u0111\u1ed3ng. Agribank d\u1eabn \u0111\u1ea7u v\u1edbi 70.000 t\u1ef7 \u0111\u1ed3ng. BIDV, Vietcombank v\u00e0 VietinBank m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u0103ng k\u00fd 50.000 t\u1ef7 \u0111\u1ed3ng. Nh\u00f3m Big4 cam k\u1ebft gi\u1ea3m l\u00e3i su\u1ea5t t\u1ed1i thi\u1ec3u 1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n c\u00f9ng k\u1ef3 h\u1ea1n cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n\n\n\n

T\u00e1m ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n: SHB, MSB, Sacombank, BVBank, Nam A Bank, NCB, Saigonbank, TPBank, \u0111\u00f3ng g\u00f3p 188.000 t\u1ef7 \u0111\u1ed3ng c\u00f2n l\u1ea1i. M\u1ee9c gi\u1ea3m l\u00e3i su\u1ea5t 0,5-2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u00f9y l\u0129nh v\u1ef1c, m\u1ed9t s\u1ed1 mi\u1ec5n ph\u00ed gi\u1ea3i ng\u00e2n. T\u1ed5ng c\u1ed9ng, 12 ng\u00e2n h\u00e0ng \u0111\u01b0a ra g\u00f3i 408.000 t\u1ef7 \u0111\u1ed3ng, m\u1ee9c cam k\u1ebft l\u1edbn nh\u1ea5t NHNN ghi nh\u1eadn nhi\u1ec1u n\u0103m qua.<\/p>\n\n\n\n

V\u00ec Sao Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf V\u1eabn Kh\u00f3 Ti\u1ebfp C\u1eadn V\u1ed1n Ng\u00e2n H\u00e0ng?<\/h2>\n\n\n\n

Ti\u1ec1n cam k\u1ebft kh\u00f4ng \u0111\u1ed3ng ngh\u0129a ti\u1ec1n gi\u1ea3i ng\u00e2n \u0111\u1ed3ng \u0111\u1ec1u. Theo FiinGroup, cu\u1ed1i th\u00e1ng 7\/2026 ch\u1ec9 8,8% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng, so v\u1edbi h\u01a1n 47% \u1edf doanh nghi\u1ec7p l\u1edbn. Kho\u1ea3ng 85% doanh nghi\u1ec7p nh\u1ecf vay \u0111\u01b0\u1ee3c v\u1ed1n \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng t\u1eeb 5 n\u0103m tr\u1edf l\u00ean, cho th\u1ea5y ng\u00e2n h\u00e0ng v\u1eabn \u01b0u ti\u00ean doanh nghi\u1ec7p c\u00f3 b\u1ec1 d\u00e0y.<\/p>\n\n\n\n

Gi\u1ea3m l\u00e3i su\u1ea5t ch\u1ec9 gi\u1ea3i quy\u1ebft gi\u00e1 v\u1ed1n, ch\u01b0a gi\u1ea3i quy\u1ebft kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn. Ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay, v\u00e0 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i v\u00ec thi\u1ebfu b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u00e3 ki\u1ec3m to\u00e1n ho\u1eb7c l\u1ecbch s\u1eed t\u00edn d\u1ee5ng. N\u1ebfu ti\u00eau ch\u00ed x\u00e9t duy\u1ec7t kh\u00f4ng \u0111\u1ed5i c\u00f9ng l\u00e3i su\u1ea5t, ph\u1ea7n l\u1edbn g\u00f3i t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 v\u1eabn ch\u1ea3y v\u1ec1 nh\u00f3m \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay t\u1eeb tr\u01b0\u1edbc.<\/p>\n\n\n\n

C\u1ea7n Thay \u0110\u1ed5i G\u00ec \u0110\u1ec3 Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf Ti\u1ebfp C\u1eadn V\u1ed1n D\u1ec5 H\u01a1n?<\/h2>\n\n\n\n

Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o khu v\u1ef1c t\u01b0 nh\u00e2n th\u00e1ng 5\/2026, k\u00eau g\u1ecdi ng\u00e2n h\u00e0ng chuy\u1ec3n t\u1eeb th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p sang th\u1ea9m \u0111\u1ecbnh d\u00f2ng ti\u1ec1n, k\u1ebf ho\u1ea1ch kinh doanh v\u00e0 chu\u1ed7i gi\u00e1 tr\u1ecb. VCCI \u0111\u1ec1 ngh\u1ecb NHNN ban h\u00e0nh h\u01b0\u1edbng d\u1eabn ti\u00eau ch\u00ed t\u00edn d\u1ee5ng kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p, m\u1edf r\u1ed9ng sang t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh v\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n

Thay \u0111\u1ed5i n\u00e0y c\u1ea7n d\u1eef li\u1ec7u t\u1ed1t h\u01a1n, kh\u00f4ng ch\u1ec9 ch\u00ednh s\u00e1ch m\u1edbi. \u0110\u00e1nh gi\u00e1 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf theo d\u00f2ng ti\u1ec1n c\u1ea7n d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u0111\u00e3 x\u00e1c minh v\u00e0 l\u1ecbch s\u1eed tranh ch\u1ea5p ph\u00e1p l\u00fd, gi\u1ed1ng d\u1eef li\u1ec7u DataCore ph\u00e2n t\u00edch trong b\u00e0i vi\u1ebft v\u1ec1 \u0111\u00f3ng g\u00f3p ng\u00e2n s\u00e1ch c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng<\/a>. L\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f4ng nghi\u1ec7p, ph\u00e2n t\u00edch trong b\u00e0i vi\u1ebft v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam n\u0103m 2026<\/a>, c\u0169ng c\u1ea7n v\u1ed1n m\u1edf r\u1ed9ng t\u01b0\u01a1ng t\u1ef1.<\/p>\n\n\n\n

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

G\u00f3i t\u00edn d\u1ee5ng 408.000 t\u1ef7 \u0111\u1ed3ng cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf l\u00e0 g\u00ec?<\/h3>\n\n\n\n

NHNN c\u00f4ng b\u1ed1 ng\u00e0y 24\/8\/2026: 12 ng\u00e2n h\u00e0ng cam k\u1ebft 408.000 t\u1ef7 \u0111\u1ed3ng, kho\u1ea3ng 16 t\u1ef7 \u0111\u00f4 la M\u1ef9, cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf. Big4 g\u00f3p 220.000 t\u1ef7 \u0111\u1ed3ng, t\u00e1m ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n g\u00f3p 188.000 t\u1ef7 \u0111\u1ed3ng c\u00f2n l\u1ea1i.<\/p>\n\n\n\n

L\u00e3i su\u1ea5t cho vay \u0111\u00e3 gi\u1ea3m bao nhi\u00eau?<\/h3>\n\n\n\n

Nh\u00f3m Big4 gi\u1ea3m l\u00e3i su\u1ea5t t\u1ed1i thi\u1ec3u 1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n c\u00f9ng k\u1ef3 h\u1ea1n. Ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n gi\u1ea3m 0,5-2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u00f9y l\u0129nh v\u1ef1c, m\u1ed9t s\u1ed1 mi\u1ec5n ph\u00ed gi\u1ea3i ng\u00e2n.<\/p>\n\n\n\n

V\u00ec sao ch\u1ec9 8,8% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n ng\u00e2n h\u00e0ng?<\/h3>\n\n\n\n

Theo FiinGroup, t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 7\/2026 ch\u1ec9 8,8% doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam c\u00f3 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, so v\u1edbi h\u01a1n 47% \u1edf doanh nghi\u1ec7p l\u1edbn. Kho\u1ea3ng 85% doanh nghi\u1ec7p nh\u1ecf vay \u0111\u01b0\u1ee3c v\u1ed1n \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng t\u1eeb 5 n\u0103m tr\u1edf l\u00ean.<\/p>\n\n\n\n

VCCI \u0111\u1ec1 xu\u1ea5t g\u00ec \u0111\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n?<\/h3>\n\n\n\n

VCCI \u0111\u1ec1 ngh\u1ecb chuy\u1ec3n t\u1eeb th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p sang th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n v\u00e0 chu\u1ed7i gi\u00e1 tr\u1ecb, \u0111\u1ed3ng th\u1eddi \u0111\u1ec1 ngh\u1ecb NHNN ban h\u00e0nh h\u01b0\u1edbng d\u1eabn ti\u00eau ch\u00ed t\u00edn d\u1ee5ng kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n\n\n\n

G\u00f3i t\u00edn d\u1ee5ng 408.000 t\u1ef7 \u0111\u1ed3ng ch\u1ee9ng minh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam s\u1eb5n s\u00e0ng cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf vay v\u1ed1n, nh\u01b0ng thu h\u1eb9p kho\u1ea3ng c\u00e1ch t\u00edn d\u1ee5ng \u0111\u00f2i h\u1ecfi d\u1eef li\u1ec7u th\u1ea9m \u0111\u1ecbnh t\u1ed1t h\u01a1n, kh\u00f4ng ch\u1ec9 l\u00e3i su\u1ea5t r\u1ebb h\u01a1n. D\u1ecbch v\u1ee5 Company Intelligence c\u1ee7a DataCore cung c\u1ea5p cho ng\u00e2n h\u00e0ng d\u1eef li\u1ec7u doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111\u00e3 x\u00e1c minh, g\u1ed3m t\u00e0i ch\u00ednh, c\u01a1 c\u1ea5u s\u1edf h\u1eefu v\u00e0 l\u1ecbch s\u1eed tranh ch\u1ea5p ph\u00e1p l\u00fd, gi\u00fap \u0111\u1ed9i ng\u0169 t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro m\u00e0 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. T\u00ecm hi\u1ec3u D\u1ecbch v\u1ee5 Company Intelligence<\/a> c\u1ee7a DataCore \u0111\u1ec3 xem d\u1eef li\u1ec7u h\u1ed7 tr\u1ee3 quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n\n\n

Ngu\u1ed3n Tham Kh\u1ea3o<\/h3>\n\n\n\n