{"id":4509,"date":"2026-08-29T11:51:54","date_gmt":"2026-08-29T04:51:54","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=4509"},"modified":"2026-08-29T11:51:56","modified_gmt":"2026-08-29T04:51:56","slug":"cho-vay-doanh-nghiep-vua-va-nho-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/cho-vay-doanh-nghiep-vua-va-nho-2026\/","title":{"rendered":"Cho Vay Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf Vi\u1ec7t Nam \u0110\u1ea1t 408.000 T\u1ef7 \u0110\u1ed3ng"},"content":{"rendered":"

T\u00f3m t\u1eaft:<\/strong> T\u00ednh \u0111\u1ebfn ng\u00e0y 24\/8\/2026, 12 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, bao g\u1ed3m c\u1ea3 4 ng\u00e2n h\u00e0ng qu\u1ed1c doanh, \u0111\u00e3 cam k\u1ebft h\u01a1n 408.000 t\u1ef7 \u0111\u1ed3ng t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i cho ho\u1ea1t \u0111\u1ed9ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf<\/strong>. Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y gi\u1ea3m l\u00e3i su\u1ea5t 0,5-2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, nh\u01b0ng s\u1ed1 li\u1ec7u t\u1eeb FiinGroup cho th\u1ea5y ph\u1ea7n l\u1edbn doanh nghi\u1ec7p si\u00eau nh\u1ecf v\u1eabn ch\u01b0a ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay.<\/p>\n\n\n\n

Ho\u1ea1t \u0111\u1ed9ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam v\u1eeba c\u00f3 b\u01b0\u1edbc chuy\u1ec3n \u0111\u00e1ng ch\u00fa \u00fd. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u00f4ng b\u1ed1 ng\u00e0y 24\/8\/2026 r\u1eb1ng 12 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u0103ng k\u00fd t\u1ed5ng c\u1ed9ng 408.000 t\u1ef7 \u0111\u1ed3ng t\u00edn d\u1ee5ng d\u00e0nh ri\u00eang cho nh\u00f3m doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SME).<\/p>\n\n\n\n

\u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u1ebfn sau ch\u1ec9 \u0111\u1ea1o gi\u1eefa th\u00e1ng 8 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng, y\u00eau c\u1ea7u ng\u00e0nh ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf v\u00e0 \u0111\u1ed5i m\u1edbi ph\u01b0\u01a1ng th\u1ee9c thanh tra, c\u1ea3nh b\u00e1o r\u1ee7i ro t\u00edn d\u1ee5ng. V\u1edbi t\u1ef7 l\u1ec7 ti\u1ebfp c\u1eadn v\u1ed1n vay c\u1ee7a nh\u00f3m n\u00e0y ch\u1ec9 \u0111\u1ea1t 20,5% theo FiinGroup, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1ed9ng th\u00e1i h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 nh\u1ea5t n\u0103m 2026.<\/p>\n\n\n\n

\"Bi\u1ec3u<\/figure>\n\n\n\n

V\u00ec Sao Ng\u00e2n H\u00e0ng \u0110\u1ea9y M\u1ea1nh Cho Vay Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf L\u00fac N\u00e0y?<\/h2>\n\n\n\n

L\u00e0n s\u00f3ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u00e0y b\u1eaft ngu\u1ed3n t\u1eeb cu\u1ed9c l\u00e0m vi\u1ec7c gi\u1eefa th\u00e1ng 8\/2026 gi\u1eefa Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN). \u00d4ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m th\u1ef1c ch\u1ea5t chi ph\u00ed vay v\u1ed1n, kh\u00f4ng ch\u1ec9 gi\u1ea3m l\u00e3i su\u1ea5t ni\u00eam y\u1ebft, \u0111\u1ed3ng th\u1eddi c\u1ea3i t\u1ed5 h\u1ec7 th\u1ed1ng thanh tra v\u00e0 c\u1ea3nh b\u00e1o r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

S\u1ed1 li\u1ec7u NHNN c\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 24\/8\/2026 cho th\u1ea5y ph\u1ea3n h\u1ed3i r\u00f5 r\u1ec7t: 4 ng\u00e2n h\u00e0ng qu\u1ed1c doanh, th\u01b0\u1eddng g\u1ecdi l\u00e0 nh\u00f3m Big4, \u0111\u0103ng k\u00fd t\u1ed5ng c\u1ed9ng 220.000 t\u1ef7 \u0111\u1ed3ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf. Ri\u00eang Agribank cam k\u1ebft 70.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n BIDV, Vietcombank v\u00e0 VietinBank m\u1ed7i ng\u00e2n h\u00e0ng cam k\u1ebft 50.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n

T\u00e1m ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n, g\u1ed3m SHB, MSB, Sacombank, BVBank, Nam A Bank, NCB, Saigonbank v\u00e0 TPBank, \u0111\u00f3ng g\u00f3p th\u00eam 188.000 t\u1ef7 \u0111\u1ed3ng, n\u00e2ng t\u1ed5ng quy m\u00f4 cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf c\u1ea3 n\u01b0\u1edbc l\u00ean 408.000 t\u1ef7 \u0111\u1ed3ng. M\u1ee9c gi\u1ea3m l\u00e3i su\u1ea5t dao \u0111\u1ed9ng 0,5-2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u00f9y l\u0129nh v\u1ef1c, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f2n mi\u1ec5n gi\u1ea3m ph\u00ed d\u1ecbch v\u1ee5.<\/p>\n\n\n\n

Kho\u1ea3ng Tr\u1ed1ng C\u1ee7a Cho Vay Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf L\u1edbn \u0110\u1ebfn \u0110\u00e2u?<\/h2>\n\n\n\n

Quy m\u00f4 g\u00f3i t\u00edn d\u1ee5ng m\u1edbi ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi \u0111\u1eb7t c\u1ea1nh kho\u1ea3ng tr\u1ed1ng m\u00e0 cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111ang nh\u1eafm t\u1edbi. FiinGroup, c\u00f4ng ty d\u1eef li\u1ec7u v\u00e0 x\u1ebfp h\u1ea1ng t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam, cho bi\u1ebft t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 7\/2026, ch\u1ec9 8,8% doanh nghi\u1ec7p si\u00eau nh\u1ecf ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. Nh\u00f3m doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 t\u1ef7 l\u1ec7 kh\u00e1 h\u01a1n, g\u1ea7n 31%, nh\u01b0ng to\u00e0n b\u1ed9 khu v\u1ef1c SME (g\u1ed3m si\u00eau nh\u1ecf, nh\u1ecf v\u00e0 v\u1eeba) ch\u1ec9 \u0111\u1ea1t 20,5%.<\/p>\n\n\n\n

Ph\u00e2n t\u00edch c\u1ee7a FiinGroup c\u0169ng ch\u1ec9 ra ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u1eabn \u01b0u ti\u00ean doanh nghi\u1ec7p c\u00f3 l\u1ecbch s\u1eed ho\u1ea1t \u0111\u1ed9ng d\u00e0i: g\u1ea7n 85% doanh nghi\u1ec7p nh\u1ecf vay \u0111\u01b0\u1ee3c v\u1ed1n \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng tr\u00ean 5 n\u0103m. \u0110i\u1ec1u \u0111\u00f3 khi\u1ebfn c\u00e1c SME tr\u1ebb, t\u0103ng tr\u01b0\u1edfng nhanh, th\u01b0\u1eddng l\u00e0 nh\u00f3m c\u1ea7n v\u1ed1n l\u01b0u \u0111\u1ed9ng nh\u1ea5t, l\u1ea1i kh\u00f3 ti\u1ebfp c\u1eadn cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf nh\u1ea5t.<\/p>\n\n\n\n

Gi\u1ea3i Ph\u00e1p N\u00e0o Cho Vay Doanh Nghi\u1ec7p V\u1eeba V\u00e0 Nh\u1ecf V\u1ec1 L\u00e2u D\u00e0i?<\/h2>\n\n\n\n

Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), trong b\u00e1o c\u00e1o kinh t\u1ebf t\u01b0 nh\u00e2n c\u00f4ng b\u1ed1 th\u00e1ng 5\/2026, cho r\u1eb1ng gi\u1ea3i ph\u00e1p th\u1ef1c s\u1ef1 cho cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u1eb1m \u1edf thay \u0111\u1ed5i c\u1ea5u tr\u00fac, kh\u00f4ng ch\u1ec9 \u1edf vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t.<\/p>\n\n\n\n

VCCI \u0111\u1ec1 xu\u1ea5t chuy\u1ec3n m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng t\u1eeb d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p sang d\u1ef1a v\u00e0o d\u00f2ng ti\u1ec1n, ph\u01b0\u01a1ng \u00e1n kinh doanh v\u00e0 v\u1ecb tr\u00ed trong chu\u1ed7i gi\u00e1 tr\u1ecb. T\u1ed5 ch\u1ee9c n\u00e0y c\u0169ng \u0111\u1ec1 ngh\u1ecb NHNN ban h\u00e0nh ti\u00eau ch\u00ed th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng phi t\u00e0i s\u1ea3n r\u00f5 r\u00e0ng v\u00e0 m\u1edf r\u1ed9ng ph\u1ea1m vi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m 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

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o d\u1eef li\u1ec7u t\u1ed1t h\u01a1n. Th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n v\u00e0 d\u1eef li\u1ec7u thay th\u1ebf \u0111\u00f2i h\u1ecfi h\u1ed3 s\u01a1 doanh nghi\u1ec7p \u0111\u00e3 x\u00e1c minh, c\u01a1 c\u1ea5u s\u1edf h\u1eefu v\u00e0 l\u1ecbch s\u1eed giao d\u1ecbch m\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ch\u01b0a th\u1ec3 t\u1ef1 t\u1ed5ng h\u1ee3p. Kho\u1ea3ng tr\u1ed1ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a SME Vi\u1ec7t Nam<\/a> l\u00e0 ch\u1ee7 \u0111\u1ec1 l\u1eb7p l\u1ea1i xuy\u00ean su\u1ed1t n\u0103m 2026, v\u00e0 xu h\u01b0\u1edbng chuy\u1ec3n d\u1ecbch t\u1eeb th\u1ebf ch\u1ea5p sang d\u1eef li\u1ec7u trong cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf song h\u00e0nh v\u1edbi n\u1ed7 l\u1ef1c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho h\u1ed9 kinh doanh v\u00e0 SME<\/a> trong n\u0103m.<\/p>\n\n\n\n

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

C\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 cam k\u1ebft bao nhi\u00eau v\u1ed1n cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u0103m 2026?<\/h3>\n\n\n\n

T\u00ednh \u0111\u1ebfn 24\/8\/2026, 12 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u0103ng k\u00fd 408.000 t\u1ef7 \u0111\u1ed3ng t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i cho cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf theo s\u1ed1 li\u1ec7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, g\u1ed3m 220.000 t\u1ef7 \u0111\u1ed3ng t\u1eeb nh\u00f3m Big4 v\u00e0 188.000 t\u1ef7 \u0111\u1ed3ng t\u1eeb 8 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng n\u00e0o gi\u1ea3m l\u00e3i su\u1ea5t nhi\u1ec1u nh\u1ea5t?<\/h3>\n\n\n\n

M\u1ee9c gi\u1ea3m dao \u0111\u1ed9ng 0,5-2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u00f9y ng\u00e2n h\u00e0ng v\u00e0 l\u0129nh v\u1ef1c. NHNN ch\u01b0a c\u00f4ng b\u1ed1 b\u1ea3ng x\u1ebfp h\u1ea1ng l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3, doanh nghi\u1ec7p n\u00ean so s\u00e1nh tr\u1ef1c ti\u1ebfp v\u1edbi t\u1eebng ng\u00e2n h\u00e0ng tham gia.<\/p>\n\n\n\n

V\u00ec sao doanh nghi\u1ec7p si\u00eau nh\u1ecf kh\u00f3 vay v\u1ed1n?<\/h3>\n\n\n\n

Theo FiinGroup, ch\u1ec9 8,8% doanh nghi\u1ec7p si\u00eau nh\u1ecf c\u00f3 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng t\u00ednh \u0111\u1ebfn th\u00e1ng 7\/2026, ch\u1ee7 y\u1ebfu v\u00ec ng\u00e2n h\u00e0ng \u01b0u ti\u00ean doanh nghi\u1ec7p c\u00f3 l\u1ecbch s\u1eed ho\u1ea1t \u0111\u1ed9ng d\u00e0i v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u00e0 doanh nghi\u1ec7p non tr\u1ebb th\u01b0\u1eddng kh\u00f4ng c\u00f3.<\/p>\n\n\n\n

Cho vay d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n l\u00e0 g\u00ec v\u00e0 t\u1ea1i sao quan tr\u1ecdng v\u1edbi cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf?<\/h3>\n\n\n\n

\u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean l\u1ecbch s\u1eed giao d\u1ecbch, kho\u1ea3n ph\u1ea3i thu v\u00e0 xu h\u01b0\u1edbng doanh thu thay v\u00ec y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u1eadt ch\u1ea5t. VCCI \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb NHNN chu\u1ea9n h\u00f3a ti\u00eau ch\u00ed n\u00e0y, m\u1edf \u0111\u01b0\u1eddng cho c\u00e1c doanh nghi\u1ec7p hi\u1ec7n b\u1ecb lo\u1ea1i kh\u1ecfi m\u00f4 h\u00ecnh th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

V\u1edbi c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 fintech \u0111ang h\u01b0\u1edbng t\u1edbi th\u1ea9m \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n, \u0111i\u1ec3m ngh\u1ebdn c\u1ee7a cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf th\u01b0\u1eddng n\u1eb1m \u1edf d\u1eef li\u1ec7u doanh nghi\u1ec7p \u0111\u00e3 x\u00e1c minh, kh\u00f4ng ph\u1ea3i \u1edf nhu c\u1ea7u. Company Intelligence Service c\u1ee7a DataCore<\/a> gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed9i ng\u0169 t\u00edn d\u1ee5ng t\u1ea1i Vi\u1ec7t Nam tra c\u1ee9u \u0111\u0103ng k\u00fd kinh doanh, c\u01a1 c\u1ea5u s\u1edf h\u1eefu v\u00e0 t\u00edn hi\u1ec7u t\u00e0i ch\u00ednh trong m\u1ed9t n\u1ec1n t\u1ea3ng duy nh\u1ea5t, \u0111\u00fang lo\u1ea1i d\u1eef li\u1ec7u c\u00f3 c\u1ea5u tr\u00fac m\u00e0 l\u00e0n s\u00f3ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u00e0y s\u1ebd c\u1ea7n \u1edf quy m\u00f4 l\u1edbn.<\/p>\n\n\n\n

V\u00e0i th\u00e1ng t\u1edbi s\u1ebd cho th\u1ea5y li\u1ec7u l\u00e0n s\u00f3ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u00e0y c\u00f3 chuy\u1ec3n th\u00e0nh c\u00e1c kho\u1ea3n vay gi\u1ea3i ng\u00e2n th\u1ef1c t\u1ebf hay ch\u1ec9 d\u1eebng \u1edf cam k\u1ebft tr\u00ean gi\u1ea5y. C\u01a1 quan qu\u1ea3n l\u00fd Vi\u1ec7t Nam t\u1eebng \u0111\u1eb7t m\u1ee5c ti\u00eau tham v\u1ecdng nh\u01b0ng ch\u01b0a theo s\u00e1t \u0111\u1ebfn c\u00f9ng, n\u00ean gi\u1edbi ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p v\u00e0 gi\u1edbi ph\u00e2n t\u00edch \u0111ang theo d\u00f5i s\u00e1t s\u1ed1 li\u1ec7u gi\u1ea3i ng\u00e2n kh\u00f4ng k\u00e9m g\u00ec cam k\u1ebft ban \u0111\u1ea7u. N\u1ebfu 408.000 t\u1ef7 \u0111\u1ed3ng cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf th\u1ef1c s\u1ef1 \u0111\u1ebfn tay doanh nghi\u1ec7p nh\u1ecf trong hai qu\u00fd t\u1edbi, t\u1ef7 l\u1ec7 ti\u1ebfp c\u1eadn v\u1ed1n 20,5% m\u00e0 FiinGroup ghi nh\u1eadn th\u00e1ng 7\/2026 c\u00f3 th\u1ec3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3.<\/p>\n\n\n\n

\u0110\u00e0 cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u00e0y c\u00f2n c\u00f3 \u00fd ngh\u0129a v\u01b0\u1ee3t ra ngo\u00e0i b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng. C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng, \u0111\u01a1n v\u1ecb th\u1ea9m \u0111\u1ecbnh fintech v\u00e0 doanh nghi\u1ec7p \u0111\u1ed1i t\u00e1c \u0111\u1ec1u c\u1ea7n c\u00e1ch x\u00e1c minh nhanh h\u01a1n xem \u0111\u0103ng k\u00fd kinh doanh, c\u01a1 c\u1ea5u s\u1edf h\u1eefu v\u00e0 l\u1ecbch s\u1eed giao d\u1ecbch c\u1ee7a b\u00ean vay c\u00f3 kh\u1edbp nhau hay kh\u00f4ng tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n ho\u1eb7c h\u1ee3p t\u00e1c.<\/p>\n\n\n\n

Khi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf m\u1edf r\u1ed9ng t\u1eeb m\u1ee9c cam k\u1ebft 408.000 t\u1ef7 \u0111\u1ed3ng sang c\u00e1c kho\u1ea3n vay th\u1ef1c t\u1ebf, t\u1ed5 ch\u1ee9c n\u00e0o x\u00e1c minh d\u1eef li\u1ec7u b\u00ean vay nhanh ch\u00f3ng, thay v\u00ec th\u1ee7 c\u00f4ng, s\u1ebd l\u00e0 b\u00ean tri\u1ec3n khai v\u1ed1n nhanh nh\u1ea5t v\u00e0 \u00edt r\u1ee7i ro n\u1ee3 x\u1ea5u nh\u1ea5t.<\/p>\n\n\n\n

B\u1ee9c tranh cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam c\u0169ng c\u1ea7n \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh khu v\u1ef1c. Nhi\u1ec1u n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1 \u0111ang ch\u1ea1y \u0111ua tri\u1ec3n khai c\u00e1c g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i t\u01b0\u01a1ng t\u1ef1 nh\u1eb1m gi\u1eef ch\u00e2n doanh nghi\u1ec7p nh\u1ecf trong b\u1ed1i c\u1ea3nh chi ph\u00ed \u0111\u1ea7u v\u00e0o v\u00e0 logistics t\u0103ng cao. \u0110i\u1ec3m kh\u00e1c bi\u1ec7t c\u1ee7a \u0111\u1ee3t cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf l\u1ea7n n\u00e0y t\u1ea1i Vi\u1ec7t Nam l\u00e0 quy m\u00f4 t\u1ed5ng th\u1ec3 l\u1edbn (408.000 t\u1ef7 \u0111\u1ed3ng) v\u00e0 c\u00f3 s\u1ef1 tham gia \u0111\u1ed3ng th\u1eddi c\u1ee7a c\u1ea3 kh\u1ed1i ng\u00e2n h\u00e0ng qu\u1ed1c doanh l\u1eabn t\u01b0 nh\u00e2n, thay v\u00ec ch\u1ec9 m\u1ed9t nh\u00f3m ng\u00e2n h\u00e0ng ri\u00eang l\u1ebb tri\u1ec3n khai.<\/p>\n\n\n\n

V\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u1ed1i t\u00e1c qu\u1ed1c t\u1ebf theo d\u00f5i th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam, t\u1ed1c \u0111\u1ed9 gi\u1ea3i ng\u00e2n c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf n\u00e0y s\u1ebd l\u00e0 m\u1ed9t ch\u1ec9 b\u00e1o quan tr\u1ecdng cho s\u1ee9c kh\u1ecfe c\u1ee7a khu v\u1ef1c doanh nghi\u1ec7p nh\u1ecf trong n\u1eeda cu\u1ed1i n\u0103m 2026, \u0111\u1eb7c bi\u1ec7t khi so s\u00e1nh v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebfp c\u1eadn v\u1ed1n 20,5% hi\u1ec7n t\u1ea1i.<\/p>\n\n\n\n

Ngu\u1ed3n tham kh\u1ea3o<\/h2>\n\n\n\n
    \n
  • Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), s\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt ng\u00e0y 24\/8\/2026, d\u1eabn theo VnExpress, \"12 ng\u00e2n h\u00e0ng cam k\u1ebft r\u00f3t h\u01a1n 400.000 t\u1ef7 \u0111\u1ed3ng cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf,\" th\u00e1ng 8\/2026.<\/li>\n\n\n\n
  • FiinGroup, b\u00e1o c\u00e1o ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng khu v\u1ef1c t\u01b0 nh\u00e2n, th\u00e1ng 8\/2026.<\/li>\n\n\n\n
  • Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), b\u00e1o c\u00e1o kinh t\u1ebf t\u01b0 nh\u00e2n, th\u00e1ng 5\/2026.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

    Cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1t 408.000 t\u1ef7 \u0111\u1ed3ng n\u0103m 2026 khi 12 ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t, nh\u01b0ng doanh nghi\u1ec7p si\u00eau nh\u1ecf v\u1eabn kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n.<\/p>","protected":false},"author":19,"featured_media":4505,"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],"tags":[3262,2172,2176],"class_list":["post-4509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","tag-cho-vay-doanh-nghiep-vua-va-nho-vi","tag-du-lieu-ngan-hang-vi","tag-kinh-te-viet-nam-2026-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1.jpg",1200,630,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1-300x158.jpg",300,158,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1-768x403.jpg",768,403,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1-1024x538.jpg",1024,538,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1.jpg",1200,630,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1.jpg",1200,630,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-sme-lending-datacore-1-18x9.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":"Cho vay doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea1t 408.000 t\u1ef7 \u0111\u1ed3ng n\u0103m 2026 khi 12 ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t, nh\u01b0ng doanh nghi\u1ec7p si\u00eau nh\u1ecf v\u1eabn kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4509","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=4509"}],"version-history":[{"count":7,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4509\/revisions"}],"predecessor-version":[{"id":4543,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4509\/revisions\/4543"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/4505"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=4509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=4509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=4509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}