{"id":14066,"date":"2017-08-18T14:49:53","date_gmt":"2017-08-18T07:49:53","guid":{"rendered":"https:\/\/thitruongsi.com\/kinh-nghiem\/?p=14066"},"modified":"2017-08-18T14:49:53","modified_gmt":"2017-08-18T07:49:53","slug":"smes-tiep-can-von-vay-ngan-hang-kho-chong-kho","status":"publish","type":"post","link":"https:\/\/thitruongsi.com\/kinh-nghiem\/smes-tiep-can-von-vay-ngan-hang-kho-chong-kho\/","title":{"rendered":"SMEs ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng: Kh\u00f3 ch\u1ed3ng kh\u00f3"},"content":{"rendered":"<p><strong>V\u1ed1n cho s\u1ea3n xu\u1ea5t, kinh doanh v\u1eabn l\u00e0 m\u1ed9t trong nh\u1eefng r\u00e0o c\u1ea3n khi\u1ebfn cho h\u1ea7u h\u1ebft doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SMEs) g\u1eb7p kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. Ch\u00ednh ph\u1ee7, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (NH) v\u00e0 doanh nghi\u1ec7p (DN) \u0111\u00e3 c\u00f3 nh\u1eefng n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u1eeb h\u00e0ng ch\u1ee5c n\u0103m nay, nh\u01b0ng \u0111\u00e2y \u0111\u00f3 c\u00e1c SME v\u1eabn ti\u1ebfp t\u1ee5c &#8220;b\u00e0i ca&#8221; kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n. \u00a0<\/strong><\/p>\n<p>\u00d4ng \u0110\u00e0o Gia H\u01b0ng &#8211; Ph\u00f3 gi\u00e1m \u0111\u1ed1c Kh\u1ed1i SME c\u1ee7a VPBank chia s\u1ebb t\u1ea1i Ng\u00e0y h\u1ed9i K\u1ebft n\u1ed1i doanh nghi\u1ec7p do NH n\u00e0y ph\u1ed1i h\u1ee3p c\u00f9ng VCCI t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y: kh\u00f3 kh\u0103n khi ti\u1ebfp c\u1eadn v\u1ed1n NH l\u00e0 kh\u00f3 kh\u0103n chung, di\u1ec5n ra t\u1eeb kh\u00e1 l\u00e2u c\u1ee7a SMEs. Trong \u0111\u00f3 c\u00f3 ba kh\u00f3 kh\u0103n ch\u00ednh: thi\u1ebfu t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, bao h\u00e0m c\u1ea3 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 kh\u00f4ng \u0111\u00fang, c\u00f3 d\u00f2ng ti\u1ec1n, c\u00f3 b\u1ea1n h\u00e0ng nh\u01b0ng ch\u01b0a c\u00f3 t\u00e0i s\u1ea3n t\u00edch lu\u1ef9, v\u1edbi nh\u1eefng DN m\u1edbi th\u00e0nh l\u1eadp th\u00ec NH \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 th\u1eddi gian kinh doanh d\u00e0i&#8230;<\/p>\n<p>Trong \u0111\u00f3, n\u00fat th\u1eaft l\u1edbn nh\u1ea5t khi\u1ebfn DN v\u00e0 NH kh\u00f4ng t\u00ecm \u0111\u01b0\u1ee3c ti\u1ebfng n\u00f3i chung l\u00e0 DN thi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Ngo\u00e0i ra, nhi\u1ec1u SME kh\u00f4ng c\u00f3 b\u1ed9 ph\u1eadn qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 thi\u1ebfu t\u00ednh minh b\u1ea1ch. C\u00e1ch qu\u1ea3n l\u00fd kh\u00f4ng chuy\u00ean nghi\u1ec7p khi\u1ebfn NH g\u1eb7p kh\u00f3 khi \u00e1p d\u1ee5ng quy tr\u00ecnh cho vay th\u00f4ng th\u01b0\u1eddng. M\u1eb7t kh\u00e1c, NH c\u0169ng nh\u01b0 c\u00e1c DN kh\u00e1c \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng theo ti\u00eau ch\u00ed l\u1ee3i nhu\u1eadn n\u00ean \u0111\u1ed1i t\u01b0\u1ee3ng h\u00e0ng \u0111\u1ea7u l\u00e0 t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng t\u1ed1t, thu nh\u1eadp cao, d\u1ec5 thu h\u1ed3i n\u1ee3, l\u1ee3i nhu\u1eadn \u0111em v\u1ec1 \u1ed5n \u0111\u1ecbnh.<\/p>\n<p>Th\u00f4ng tin m\u00e0 \u00f4ng H\u01b0ng chia s\u1ebb l\u00e0 kh\u00f4ng m\u1edbi, m\u00e0 ch\u1ec9 n\u00eau l\u1ea1i m\u1ed9t th\u1ef1c tr\u1ea1ng \u0111\u00e3 k\u00e9o d\u00e0i h\u00e0ng ch\u1ee5c n\u0103m nay. V\u1ea5n \u0111\u1ec1 l\u00e0 t\u1ea1i sao?<\/p>\n<p>Theo \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n &#8211; Tr\u01b0\u1edfng Ban Ph\u00e1p ch\u1ebf VCCI, trong h\u01a1n 60.000 DN hi\u1ec7n c\u00f3 th\u00ec c\u00f3 h\u01a1n 50% DN s\u1edf h\u1eefu m\u1ee9c v\u1ed1n tr\u00ean d\u01b0\u1edbi 5 t\u1ef7 \u0111\u1ed3ng. Ch\u1ec9 kho\u1ea3ng 2% DN s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, DN \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0o kho\u1ea3ng 23% tr\u00ean t\u1ed5ng doanh thu so v\u1edbi 51% c\u1ee7a Th\u00e1i Lan, 31% c\u1ee7a Malaysia v\u00e0 73% c\u1ee7a Singapore. B\u00ean c\u1ea1nh \u0111\u00f3, chi\u1ebfn l\u01b0\u1ee3c nh\u00e2n s\u1ef1, t\u00e1c phong lao \u0111\u1ed9ng, qu\u1ea3n tr\u1ecb DN c\u0169ng c\u00f2n th\u1ea5p.<\/p>\n<p>C\u0169ng ch\u1ec9 c\u00f3 1% SMEs qu\u1ea3ng b\u00e1 s\u1ea3n ph\u1ea9m, trong khi \u1edf Th\u00e1i Lan l\u00e0 10%. Nhu c\u1ea7u v\u1ec1 v\u1ed1n cho \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7, n\u00e2ng cao n\u0103ng su\u1ea5t lao \u0111\u1ed9ng c\u0169ng nh\u01b0 khuy\u1ebfch tr\u01b0\u01a1ng th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a nh\u00f3m DN n\u00e0y l\u00e0 r\u1ea5t l\u1edbn. Tuy nhi\u00ean, theo b\u00e1o c\u00e1o th\u01b0\u1eddng ni\u00ean n\u0103m 2016 c\u1ee7a VCCI, n\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c ch\u00ednh s\u00e1ch thi\u1ebft th\u1ef1c h\u01a1n, v\u1ed1n s\u1ebd v\u1eabn ti\u1ebfp t\u1ee5c l\u00e0 r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a DN.<\/p>\n<p>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH \u0110i\u1ec7n m\u00e1y T\u00fa Minh Quang (\u0110\u1ed3ng Nai) cho bi\u1ebft: &#8220;C\u00f4ng ty chuy\u00ean ph\u00e2n ph\u1ed1i c\u00e1c s\u1ea3n ph\u1ea9m \u0111i\u1ec7n l\u1ea1nh cho nh\u1eefng th\u01b0\u01a1ng hi\u1ec7u l\u1edbn tr\u00ean th\u1ebf gi\u1edbi. Ch\u00fang t\u00f4i \u0111\u00e3 kinh doanh r\u1ea5t \u1ed5n \u0111\u1ecbnh v\u00e0 c\u00f3 ngu\u1ed3n h\u00e0ng \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng, c\u00f3 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111\u1eb7n, nh\u01b0ng khi c\u1ea7n v\u1ed1n m\u1edf r\u1ed9ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng th\u00ec kh\u00f4ng NH n\u00e0o cho vay do C\u00f4ng ty kh\u00f4ng \u0111\u1ee9ng t\u00ean tr\u1ef1c ti\u1ebfp b\u1ea5t c\u1ee9 t\u00e0i s\u1ea3n n\u00e0o. NH c\u00f3 th\u1ec3 cung c\u1ea5p cho ch\u00fang t\u00f4i gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p, v\u00ed d\u1ee5 nh\u01b0 th\u1ebf ch\u1ea5p ch\u00ednh c\u00f4ng tr\u00ecnh \u0111\u1ea7u t\u01b0 \u0111\u1ec3 vay v\u1ed1n&#8221;.<\/p>\n<p>\u0110\u1ea1i di\u1ec7n C\u00f4ng ty M\u00e0u xanh v\u0129nh c\u1eedu chia s\u1ebb: &#8220;Nhi\u1ec1u nh\u1eadn x\u00e9t cho r\u1eb1ng SME kh\u00f4ng nh\u1eadp c\u00f4ng ngh\u1ec7, kh\u00f4ng \u0111\u1ea7u t\u01b0 b\u00e0i b\u1ea3n, kh\u00f4ng c\u1ea3i ti\u1ebfn s\u1ea3n ph\u1ea9m n\u00ean kh\u00f4ng ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c l\u00e0 kh\u00f4ng \u0111\u00fang. \u0110\u1ec3 c\u00f3 th\u1ec3 \u0111\u01b0a h\u00e0ng v\u00e0o c\u00e1c si\u00eau th\u1ecb \u1edf Hoa K\u1ef3, c\u00f4ng ty ch\u00fang t\u00f4i ph\u1ea3i \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 t\u1eeb \u00c2u, M\u1ef9. C\u00e1i kh\u00f3 c\u1ee7a ch\u00fang t\u00f4i ch\u00ednh l\u00e0 v\u1ed1n. \u0110\u01b0a h\u00e0ng v\u00e0o c\u00e1c si\u00eau th\u1ecb n\u01b0\u1edbc ngo\u00e0i, th\u1eddi h\u1ea1n thanh to\u00e1n th\u01b0\u1eddng t\u1eeb 45 \u0111\u1ebfn 60 ng\u00e0y, l\u00e0 l\u00fd do khi\u1ebfn v\u1ed1n l\u01b0u \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i b\u1ecb n\u1eb1m r\u1ea5t l\u00e2u t\u1ea1i h\u1ec7 th\u1ed1ng ph\u00e2n ph\u1ed1i n\u01b0\u1edbc ngo\u00e0i. R\u1ea5t mong c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung c\u1ea5p cho ch\u00fang t\u00f4i gi\u1ea3i ph\u00e1p, nh\u01b0 bao th\u00e1nh to\u00e1n ch\u1eb3ng h\u1ea1n. T\u00f4i tin n\u1ebfu th\u00e1o \u0111\u01b0\u1ee3c n\u00fat th\u1eaft n\u00e0y, r\u1ea5t nhi\u1ec1u DN Vi\u1ec7t Nam s\u1ebd ph\u00e1t tri\u1ec3n nhanh&#8221;.<\/p>\n<p>\u0110\u1ea1i di\u1ec7n C\u00f4ng ty TNHH Vi\u1ec5n th\u00f4ng Kh\u00e1nh H\u1ed9i c\u0169ng cho bi\u1ebft: &#8220;Ch\u00fang t\u00f4i l\u00e0 m\u1ed9t trong nh\u1eefng DN ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 cao, c\u00f3 nhu c\u1ea7u v\u1ed1n l\u1edbn \u0111\u1ec3 \u1ee9ng d\u1ee5ng khoa h\u1ecdc &#8211; c\u00f4ng ngh\u1ec7 m\u1edbi. Nh\u01b0ng khi l\u00e0m h\u1ed3 s\u01a1 vay v\u1ed1n th\u00ec NH kh\u00f4ng \u0111\u1ecbnh gi\u00e1 \u0111\u00fang gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, kh\u00f4ng t\u00ednh gi\u00e1 tr\u1ecb h\u00ecnh th\u00e0nh khi \u0111\u1ea7u t\u01b0.<\/p>\n<p>Thay v\u00ec chuy\u1ec3n giao \u1ee7y th\u00e1c, NH v\u00e0 qu\u1ef9 t\u00edn d\u1ee5ng l\u1ea1i \u0111\u00e1 tr\u00e1ch nhi\u1ec7m cho nhau. Qu\u1ef9 Ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u1ee7a B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 ch\u1ec9 sang NH gi\u1ea3i quy\u1ebft, NH kh\u00f4ng l\u1ea5y m\u00e1y m\u00f3c h\u00ecnh th\u00e0nh \u0111\u01b0a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Ch\u00fang t\u00f4i l\u00e0 DN chuy\u00ean v\u1ec1 c\u00f4ng ngh\u1ec7, c\u00f3 \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean l\u00e0nh ngh\u1ec1 nh\u01b0ng v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n khi huy \u0111\u1ed9ng v\u1ed1n th\u00ec nh\u1eefng c\u00f4ng ty kh\u00e1c ch\u1eafc c\u00f2n kh\u00f3 kh\u0103n h\u01a1n nhi\u1ec1u&#8221;.<\/p>\n<p>B\u00ean c\u1ea1nh nh\u1eefng kh\u00f3 kh\u0103n n\u00eau tr\u00ean, c\u00e1c SME c\u00f2n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u1ee7 t\u1ee5c r\u01b0\u1eddm r\u00e0, nh\u01b0 NH \u0111\u00f2i h\u1ecfi qu\u00e1 nhi\u1ec1u gi\u1ea5y t\u1edd, th\u1ea9m \u0111\u1ecbnh cho vay \u0111\u00f2i h\u1ecfi b\u00e1o c\u00e1o t\u00e0i ch\u00ednh r\u1ed3i cho r\u1eb1ng s\u1ed1 li\u1ec7u kh\u00f4ng chu\u1ea9n, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c vi\u1ec7c l\u00e0m \u0103n.<\/p>\n<p>Chia s\u1ebb v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0111\u1ea1i di\u1ec7n C\u00f4ng ty Th\u1ea3o M\u1ed9c &#8211; \u00f4ng Minh Qu\u00e2n cho bi\u1ebft th\u1ee7 t\u1ee5c cho vay c\u1ee7a NH \u1edf c\u00e1c t\u1ec9nh c\u00f2n r\u01b0\u1eddm r\u00e0 h\u01a1n \u1edf nh\u1eefng th\u00e0nh ph\u1ed1 l\u1edbn, n\u00ean DN c\u00e0ng kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n. Nhi\u1ec1u DN chia s\u1ebb v\u1edbi \u00f4ng Qu\u00e2n cho bi\u1ebft, \u0111\u1ebfn NH t\u1ec9nh ng\u1ed3i ch\u1edd v\u00e0i ba ti\u1ebfng \u0111\u1ed3ng h\u1ed3 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng ch\u1ee9 ch\u01b0a n\u00f3i \u0111\u1ebfn vi\u1ec7c \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u1ed1n cho s\u1ea3n xu\u1ea5t, kinh doanh v\u1eabn l\u00e0 m\u1ed9t trong nh\u1eefng r\u00e0o c\u1ea3n khi\u1ebfn cho h\u1ea7u h\u1ebft doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SMEs) g\u1eb7p kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. Ch\u00ednh ph\u1ee7, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (NH) v\u00e0 doanh nghi\u1ec7p (DN) \u0111\u00e3 c\u00f3 nh\u1eefng n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u1eeb h\u00e0ng ch\u1ee5c n\u0103m  &#8230;<\/p>\n","protected":false},"author":4,"featured_media":14067,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,50,52],"tags":[],"class_list":["post-14066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-le","category-kinh-doanh","category-thi-truong-ban-le"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SMEs ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng: Kh\u00f3 ch\u1ed3ng kh\u00f3 - Th\u1ecb Tr\u01b0\u1eddng S\u1ec9 Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thitruongsi.com\/kinh-nghiem\/smes-tiep-can-von-vay-ngan-hang-kho-chong-kho\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng: Kh\u00f3 ch\u1ed3ng kh\u00f3 - Th\u1ecb Tr\u01b0\u1eddng S\u1ec9 Blog\" \/>\n<meta property=\"og:description\" content=\"V\u1ed1n cho s\u1ea3n xu\u1ea5t, kinh doanh v\u1eabn l\u00e0 m\u1ed9t trong nh\u1eefng r\u00e0o c\u1ea3n khi\u1ebfn cho h\u1ea7u h\u1ebft doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SMEs) g\u1eb7p kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. 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