{"id":25731,"date":"2025-01-06T15:27:27","date_gmt":"2025-01-06T08:27:27","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25731"},"modified":"2025-01-06T15:27:27","modified_gmt":"2025-01-06T08:27:27","slug":"tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/","title":{"rendered":"Ti\u1ebft Ki\u1ec7m Hay Chi Ti\u00eau: L\u1ef1a Ch\u1ecdn N\u00e0o T\u1ed1t H\u01a1n?"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;25731&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Ti\u1ebft Ki\u1ec7m Hay Chi Ti\u00eau: L\u1ef1a Ch\u1ecdn N\u00e0o T\u1ed1t H\u01a1n?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><strong>B\u1ea1n n\u00ean ti\u1ebft ki\u1ec7m hay chi ti\u00eau?<\/strong> C\u00e2u tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m ch\u00ednh gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh:<\/p>\n<ul>\n<li><strong>Ti\u1ebft ki\u1ec7m<\/strong>: \u0110\u1ea3m b\u1ea3o qu\u1ef9 d\u1ef1 ph\u00f2ng, \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, v\u00e0 t\u1ea1o c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. Tuy nhi\u00ean, qu\u00e1 ch\u00fa tr\u1ecdng ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 l\u00e0m b\u1ea1n b\u1ecf l\u1ee1 c\u00e1c tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n.<\/li>\n<li><strong>Chi ti\u00eau<\/strong>: N\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng, \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea3n th\u00e2n, v\u00e0 th\u00fac \u0111\u1ea9y kinh t\u1ebf. Nh\u01b0ng n\u1ebfu chi ti\u00eau kh\u00f4ng ki\u1ec3m so\u00e1t, b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh v\u00e0 kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n.<\/li>\n<\/ul>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#So_sanh_nhanh\" title=\"So s\u00e1nh nhanh\">So s\u00e1nh nhanh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Tiet_kiem_va_Chi_tieu_tai_Viet_Nam_Tong_Quan\" title=\"Ti\u1ebft ki\u1ec7m v\u00e0 Chi ti\u00eau t\u1ea1i Vi\u1ec7t Nam: T\u1ed5ng Quan\">Ti\u1ebft ki\u1ec7m v\u00e0 Chi ti\u00eau t\u1ea1i Vi\u1ec7t Nam: T\u1ed5ng Quan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Tiet_kiem_Co_so_cho_su_on_dinh_tai_chinh\" title=\"Ti\u1ebft ki\u1ec7m: C\u01a1 s\u1edf cho s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh\">Ti\u1ebft ki\u1ec7m: C\u01a1 s\u1edf cho s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Chi_tieu_Dong_luc_thuc_day_kinh_te\" title=\"Chi ti\u00eau: \u0110\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y kinh t\u1ebf\">Chi ti\u00eau: \u0110\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y kinh t\u1ebf<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#So_Sanh_Chi_Tiet_Tiet_Kiem_va_Chi_Tieu\" title=\"So S\u00e1nh Chi Ti\u1ebft: Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau\">So S\u00e1nh Chi Ti\u1ebft: Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Uu_va_Nhuoc_Diem_cua_Tiet_Kiem\" title=\"\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Ti\u1ebft Ki\u1ec7m\">\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Ti\u1ebft Ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Uu_va_Nhuoc_Diem_cua_Chi_Tieu\" title=\"\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Chi Ti\u00eau\">\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Chi Ti\u00eau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Giup_tien_cua_ban_sinh_loi_hieu_qua\" title=\"Gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n sinh l\u1eddi hi\u1ec7u qu\u1ea3!\">Gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n sinh l\u1eddi hi\u1ec7u qu\u1ea3!<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Can_Bang_Giua_Tiet_Kiem_va_Chi_Tieu_Loi_Khuyen_Thuc_Te\" title=\"C\u00e2n B\u1eb1ng Gi\u1eefa Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau: L\u1eddi Khuy\u00ean Th\u1ef1c T\u1ebf\">C\u00e2n B\u1eb1ng Gi\u1eefa Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau: L\u1eddi Khuy\u00ean Th\u1ef1c T\u1ebf<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Quy_Tac_503020_Cach_Quan_Ly_Ngan_Sach_Hop_Ly\" title=\"Quy T\u1eafc 50\/30\/20: C\u00e1ch Qu\u1ea3n L\u00fd Ng\u00e2n S\u00e1ch H\u1ee3p L\u00fd\">Quy T\u1eafc 50\/30\/20: C\u00e1ch Qu\u1ea3n L\u00fd Ng\u00e2n S\u00e1ch H\u1ee3p L\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Ung_Dung_Cong_Nghe_Trong_Quan_Ly_Tai_Chinh\" title=\"\u1ee8ng D\u1ee5ng C\u00f4ng Ngh\u1ec7 Trong Qu\u1ea3n L\u00fd T\u00e0i Ch\u00ednh\">\u1ee8ng D\u1ee5ng C\u00f4ng Ngh\u1ec7 Trong Qu\u1ea3n L\u00fd T\u00e0i Ch\u00ednh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Ket_Luan_Lua_Chon_Tai_Chinh_Thong_Minh\" title=\"K\u1ebft Lu\u1eadn: L\u1ef1a Ch\u1ecdn T\u00e0i Ch\u00ednh Th\u00f4ng Minh\">K\u1ebft Lu\u1eadn: L\u1ef1a Ch\u1ecdn T\u00e0i Ch\u00ednh Th\u00f4ng Minh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Cau_Hoi_Thuong_Gap\" title=\"C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Tang_lop_trung_luu_o_Viet_Nam_duoc_hieu_nhu_the_nao\" title=\"T\u1ea7ng l\u1edbp trung l\u01b0u \u1edf Vi\u1ec7t Nam \u0111\u01b0\u1ee3c hi\u1ec3u nh\u01b0 th\u1ebf n\u00e0o?\">T\u1ea7ng l\u1edbp trung l\u01b0u \u1edf Vi\u1ec7t Nam \u0111\u01b0\u1ee3c hi\u1ec3u nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Lam_the_nao_de_quan_ly_ngan_sach_va_tai_chinh_hieu_qua\" title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch v\u00e0 t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3?\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch v\u00e0 t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/tiet-kiem-hay-chi-tieu-lua-chon-nao-tot-hon-tc\/#Lam_sao_de_cai_thien_kien_thuc_tai_chinh\" title=\"L\u00e0m sao \u0111\u1ec3 c\u1ea3i thi\u1ec7n ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh?\">L\u00e0m sao \u0111\u1ec3 c\u1ea3i thi\u1ec7n ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_nhanh\"><\/span>So s\u00e1nh nhanh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ti\u00eau ch\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m<\/th>\n<th colspan=\"1\" rowspan=\"1\">Chi ti\u00eau<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>L\u1ee3i \u00edch ch\u00ednh<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 kh\u1ea9n c\u1ea5p, \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i<\/td>\n<td colspan=\"1\" rowspan=\"1\">Tr\u1ea3i nghi\u1ec7m, ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>R\u1ee7i ro<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">B\u1ecf l\u1ee1 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thi\u1ebfu qu\u1ef9 d\u1ef1 ph\u00f2ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>Ph\u00f9 h\u1ee3p v\u1edbi<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">M\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Nhu c\u1ea7u thi\u1ebft y\u1ebfu, tr\u1ea3i nghi\u1ec7m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>L\u1eddi khuy\u00ean:<\/strong> \u00c1p d\u1ee5ng quy t\u1eafc 50\/30\/20 \u0111\u1ec3 c\u00e2n b\u1eb1ng t\u00e0i ch\u00ednh: 50% cho chi ph\u00ed c\u01a1 b\u1ea3n, 30% cho chi ti\u00eau c\u00e1 nh\u00e2n, v\u00e0 20% cho ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0. S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nh\u01b0 \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a ng\u00e2n s\u00e1ch v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 c\u00e2n b\u1eb1ng.<\/p>\n<div class=\"sb-iframe-wrapper\" contenteditable=\"false\"><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tiet_kiem_va_Chi_tieu_tai_Viet_Nam_Tong_Quan\"><\/span>Ti\u1ebft ki\u1ec7m v\u00e0 Chi ti\u00eau t\u1ea1i Vi\u1ec7t Nam: T\u1ed5ng Quan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u1ea7ng l\u1edbp trung l\u01b0u t\u1ea1i Vi\u1ec7t Nam \u0111ang g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c duy tr\u00ec s\u1ef1 c\u00e2n b\u1eb1ng t\u00e0i ch\u00ednh, b\u1edfi kho\u1ea3ng c\u00e1ch gi\u1eefa nh\u1eadn th\u1ee9c v\u00e0 th\u1ef1c t\u1ebf v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u00f2n kh\u00e1 l\u1edbn. H\u00e0nh vi ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau kh\u00f4ng ch\u1ec9 ph\u1ea3n \u00e1nh t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf c\u1ee7a t\u1ea7ng l\u1edbp trung l\u01b0u v\u00e0 c\u1ea3 x\u00e3 h\u1ed9i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tiet_kiem_Co_so_cho_su_on_dinh_tai_chinh\"><\/span>Ti\u1ebft ki\u1ec7m: C\u01a1 s\u1edf cho s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ed1ng k\u00ea cho th\u1ea5y, kho\u1ea3ng 70% h\u1ed9 gia \u0111\u00ecnh Vi\u1ec7t Nam thu\u1ed9c nh\u00f3m &#8220;an to\u00e0n kinh t\u1ebf&#8221;, nh\u01b0ng ch\u1ec9 13% th\u1ef1c s\u1ef1 n\u1eb1m trong t\u1ea7ng l\u1edbp trung l\u01b0u. Ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh, gi\u00fap x\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng v\u00e0 t\u1ea1o n\u1ec1n t\u1ea3ng cho s\u1ef1 \u1ed5n \u0111\u1ecbnh l\u00e2u d\u00e0i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chi_tieu_Dong_luc_thuc_day_kinh_te\"><\/span>Chi ti\u00eau: \u0110\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y kinh t\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1eb7c d\u00f9 ti\u1ebft ki\u1ec7m mang l\u1ea1i s\u1ef1 \u1ed5n \u0111\u1ecbnh, chi ti\u00eau l\u1ea1i l\u00e0 y\u1ebfu t\u1ed1 kh\u00f4ng th\u1ec3 thi\u1ebfu \u0111\u1ec3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf. Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, h\u00e0nh vi ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t \u0111\u00e3 c\u00f3 nhi\u1ec1u thay \u0111\u1ed5i. Nh\u01b0 \u00f4ng Goro Hokari, Gi\u00e1m \u0111\u1ed1c HILLASEAN, nh\u1eadn x\u00e9t:<\/p>\n<blockquote><p>&#8220;Ng\u01b0\u1eddi Vi\u1ec7t th\u00edch kho\u00e1i c\u1ea3m khi mua s\u1eafm h\u01a1n l\u00e0 ngh\u0129 \u0111\u1ebfn l\u1ee3i \u00edch c\u1ee7a s\u1ea3n ph\u1ea9m&#8221;<\/p><\/blockquote>\n<p>\u0110i\u1ec1u n\u00e0y cho th\u1ea5y s\u1ef1 chuy\u1ec3n d\u1ecbch trong th\u00f3i quen mua s\u1eafm, khi t\u1ea7ng l\u1edbp trung l\u01b0u ng\u00e0y c\u00e0ng \u01b0u ti\u00ean tr\u1ea3i nghi\u1ec7m h\u01a1n l\u00e0 t\u00ednh th\u1ef1c d\u1ee5ng. Xu h\u01b0\u1edbng n\u00e0y kh\u00f4ng ch\u1ec9 ph\u1ea3n \u00e1nh s\u1ee9c mua t\u0103ng l\u00ean m\u00e0 c\u00f2n \u0111\u1eb7t ra b\u00e0i to\u00e1n kh\u00f3 v\u1ec1 vi\u1ec7c c\u00e2n b\u1eb1ng gi\u1eefa chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m.<\/p>\n<p>Hi\u1ec3u r\u00f5 l\u1ee3i \u00edch v\u00e0 r\u1ee7i ro c\u1ee7a c\u1ea3 hai l\u1ef1a ch\u1ecdn s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"So_Sanh_Chi_Tiet_Tiet_Kiem_va_Chi_Tieu\"><\/span>So S\u00e1nh Chi Ti\u1ebft: Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Uu_va_Nhuoc_Diem_cua_Tiet_Kiem\"><\/span>\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Ti\u1ebft Ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ti\u1ebft ki\u1ec7m l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh. \u0110\u1ed1i v\u1edbi t\u1ea7ng l\u1edbp trung l\u01b0u t\u1ea1i Vi\u1ec7t Nam, ti\u1ebft ki\u1ec7m kh\u00f4ng ch\u1ec9 gi\u00fap \u0111\u1ed1i ph\u00f3 v\u1edbi c\u00e1c t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd nh\u01b0 chi ph\u00ed y t\u1ebf ho\u1eb7c s\u1eeda ch\u1eefa nh\u00e0 c\u1eeda m\u00e0 c\u00f2n m\u1edf ra c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 nh\u1eb1m t\u0103ng th\u00eam thu nh\u1eadp.<\/p>\n<p>Tuy nhi\u00ean, vi\u1ec7c qu\u00e1 ch\u00fa tr\u1ecdng v\u00e0o ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n b\u1ecf l\u1ee1 nh\u1eefng c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n c\u00e1 nh\u00e2n, ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u1ea3i nghi\u1ec7m du l\u1ecbch ho\u1eb7c h\u1ecdc th\u00eam k\u1ef9 n\u0103ng m\u1edbi, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n ngh\u1ec1 nghi\u1ec7p v\u1ec1 l\u00e2u d\u00e0i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uu_va_Nhuoc_Diem_cua_Chi_Tieu\"><\/span>\u01afu v\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m c\u1ee7a Chi Ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chi ti\u00eau h\u1ee3p l\u00fd mang l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb cho cu\u1ed9c s\u1ed1ng, t\u1eeb vi\u1ec7c n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n \u0111\u1ebfn \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u0129nh v\u1ef1c thi\u1ebft y\u1ebfu nh\u01b0 gi\u00e1o d\u1ee5c v\u00e0 y t\u1ebf. Theo Euromonitor International, xu h\u01b0\u1edbng chi ti\u00eau t\u0103ng l\u00ean ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng c\u1ea3i thi\u1ec7n c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t.<\/p>\n<p>Tuy v\u1eady, n\u1ebfu chi ti\u00eau kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t, b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi ch\u1ec9 kho\u1ea3ng 50% nh\u1eefng ng\u01b0\u1eddi t\u1ef1 nh\u1eadn thu\u1ed9c t\u1ea7ng l\u1edbp trung l\u01b0u th\u1ef1c s\u1ef1 \u0111\u1ea1t ti\u00eau chu\u1ea9n thu nh\u1eadp c\u1ee7a nh\u00f3m n\u00e0y. V\u00ec th\u1ebf, vi\u1ec7c chi ti\u00eau c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc c\u1ea9n th\u1eadn.<\/p>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh c\u00e1c l\u1ee3i \u00edch v\u00e0 r\u1ee7i ro c\u1ee7a ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed c\u1ee5 th\u1ec3:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ti\u00eau ch\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m<\/th>\n<th colspan=\"1\" rowspan=\"1\">Chi ti\u00eau<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>L\u1ee3i \u00edch ch\u00ednh<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; \u0110\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh<br \/>\n&#8211; Qu\u1ef9 kh\u1ea9n c\u1ea5p<br \/>\n&#8211; C\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; N\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng<br \/>\n&#8211; \u0110\u1ea7u t\u01b0 v\u00e0o b\u1ea3n th\u00e2n<br \/>\n&#8211; Th\u00fac \u0111\u1ea9y kinh t\u1ebf<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>R\u1ee7i ro<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; B\u1ecf l\u1ee1 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Thi\u1ebfu qu\u1ef9 d\u1ef1 ph\u00f2ng<br \/>\n&#8211; Kh\u00f3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>Ph\u00f9 h\u1ee3p v\u1edbi<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; T\u00edch l\u0169y qu\u1ef9 d\u1ef1 ph\u00f2ng<br \/>\n&#8211; M\u1ee5c ti\u00eau l\u00e2u d\u00e0i<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Chi ti\u00eau thi\u1ebft y\u1ebfu<br \/>\n&#8211; Ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 <a class=\"\" href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a> mang \u0111\u1ebfn gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3 \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a qu\u1ef9 d\u1ef1 ph\u00f2ng v\u00e0 gia t\u0103ng l\u1ee3i nhu\u1eadn. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng ti\u1ec1n nh\u00e0n r\u1ed7i, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 v\u1eeba ti\u1ebft ki\u1ec7m v\u1eeba chi ti\u00eau m\u1ed9t c\u00e1ch c\u00e2n b\u1eb1ng, gi\u00fap \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<div class=\"infina-box\">\n<h3 style=\"color: black;\"><span class=\"ez-toc-section\" id=\"Giup_tien_cua_ban_sinh_loi_hieu_qua\"><\/span><strong>Gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n sinh l\u1eddi hi\u1ec7u qu\u1ea3!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh:<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean qu\u1ef9 d\u1ef1 ph\u00f2ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean ti\u1ec1n l\u01b0\u01a1ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean doanh thu c\u1eeda h\u00e0ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean ti\u1ec1n ch\u1edd t\u00e1i \u0111\u1ea7u t\u01b0<\/p>\n<p class=\"my-3\">V\u1edbi m\u1ed9t t\u00e0i kho\u1ea3n duy nh\u1ea5t, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 sinh l\u1eddi m\u1ed7i ng\u00e0y t\u1eeb s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 an to\u00e0n.<\/p>\n<p>T\u00c0I KHO\u1ea2N SINH L\u1edcI: T\u01b0\u01a1ng t\u1ef1 g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ee3i nhu\u1eadn \u01b0u \u0111\u00e3i v\u01b0\u1ee3t tr\u1ed9i<\/p>\n<p class=\"my-3\">Sinh l\u1eddi linh ho\u1ea1t v\u1edbi l\u1ee3i nhu\u1eadn 4.9%\/n\u0103m, cao h\u01a1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng ch\u1ec9 c\u00f3 0.1%-0.5%\/n\u0103m. N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u00e3i h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n<p class=\"my-3\">Sinh l\u1eddi c\u00f3 k\u1ef3 h\u1ea1n:<\/p>\n<p class=\"my-3\">\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn, Infina cung c\u1ea5p c\u00e1c g\u00f3i c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 1 &#8211; 12 th\u00e1ng v\u1edbi l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn l\u00ean \u0111\u1ebfn 5.7%\/n\u0103m.<\/p>\n<p><a class=\"infina-button\" href=\"https:\/\/infina.vn\/\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a><\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Can_Bang_Giua_Tiet_Kiem_va_Chi_Tieu_Loi_Khuyen_Thuc_Te\"><\/span>C\u00e2n B\u1eb1ng Gi\u1eefa Ti\u1ebft Ki\u1ec7m v\u00e0 Chi Ti\u00eau: L\u1eddi Khuy\u00ean Th\u1ef1c T\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Quy_Tac_503020_Cach_Quan_Ly_Ngan_Sach_Hop_Ly\"><\/span>Quy T\u1eafc 50\/30\/20: C\u00e1ch Qu\u1ea3n L\u00fd Ng\u00e2n S\u00e1ch H\u1ee3p L\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quy t\u1eafc 50\/30\/20 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh b\u1eb1ng c\u00e1ch chia thu nh\u1eadp th\u00e0nh ba ph\u1ea7n ch\u00ednh. V\u1edbi b\u1ed1i c\u1ea3nh kinh t\u1ebf t\u1ea1i Vi\u1ec7t Nam, n\u01a1i ch\u1ec9 kho\u1ea3ng 50% ng\u01b0\u1eddi t\u1ef1 nh\u1eadn thu\u1ed9c t\u1ea7ng l\u1edbp trung l\u01b0u \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n thu nh\u1eadp, b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 n\u00e0y t\u00f9y theo ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">T\u1ef7 l\u1ec7<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u1ee5c \u0111\u00edch<\/th>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed d\u1ee5 c\u1ee5 th\u1ec3<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">50%<\/td>\n<td colspan=\"1\" rowspan=\"1\">D\u00e0nh cho c\u00e1c chi ph\u00ed c\u01a1 b\u1ea3n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ec1n thu\u00ea nh\u00e0, \u0111i\u1ec7n n\u01b0\u1edbc, th\u1ef1c ph\u1ea9m<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">30%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chi ti\u00eau c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mua s\u1eafm, xem phim, \u0103n u\u1ed1ng ngo\u00e0i<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 kh\u1ea9n c\u1ea5p, kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Ung_Dung_Cong_Nghe_Trong_Quan_Ly_Tai_Chinh\"><\/span>\u1ee8ng D\u1ee5ng C\u00f4ng Ngh\u1ec7 Trong Qu\u1ea3n L\u00fd T\u00e0i Ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e0y nay, c\u00f4ng ngh\u1ec7 mang \u0111\u1ebfn nhi\u1ec1u c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3. V\u00ed d\u1ee5, Infina gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 linh ho\u1ea1t v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn. Nh\u1eefng n\u1ec1n t\u1ea3ng nh\u01b0 th\u1ebf n\u00e0y gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng duy tr\u00ec c\u00e2n b\u1eb1ng gi\u1eefa ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau.<\/p>\n<p>Ngo\u00e0i ra, vi\u1ec7c th\u01b0\u1eddng xuy\u00ean theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 r\u1ea5t quan tr\u1ecdng. T\u1ef1 \u0111\u1ed9ng h\u00f3a ti\u1ebft ki\u1ec7m c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n tu\u00e2n th\u1ee7 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh. \u00c1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p v\u00e0 c\u00f4ng c\u1ee5 ph\u00f9 h\u1ee3p s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_Luan_Lua_Chon_Tai_Chinh_Thong_Minh\"><\/span>K\u1ebft Lu\u1eadn: L\u1ef1a Ch\u1ecdn T\u00e0i Ch\u00ednh Th\u00f4ng Minh<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec3u r\u00f5 l\u1ee3i \u00edch v\u00e0 r\u1ee7i ro gi\u1eefa ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean, nh\u01b0ng quan tr\u1ecdng h\u01a1n l\u00e0 t\u00ecm \u0111\u01b0\u1ee3c s\u1ef1 c\u00e2n b\u1eb1ng ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n. Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf Vi\u1ec7t Nam hi\u1ec7n nay, vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng.<\/p>\n<p><strong>Ba nguy\u00ean t\u1eafc quan tr\u1ecdng<\/strong> \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh h\u1ee3p l\u00fd:<\/p>\n<ul>\n<li><strong>X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3<\/strong>: H\u00e3y \u0111\u1eb7t ra nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng \u0111\u1ec3 d\u1ec5 d\u00e0ng ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd.<\/li>\n<li><strong>T\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7<\/strong>: C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Infina c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd qu\u1ef9 d\u1ef1 ph\u00f2ng v\u00e0 gia t\u0103ng l\u1ee3i nhu\u1eadn m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/li>\n<li><strong>\u0110i\u1ec1u ch\u1ec9nh linh ho\u1ea1t<\/strong>: Th\u01b0\u1eddng xuy\u00ean xem x\u00e9t v\u00e0 c\u1eadp nh\u1eadt k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng thay \u0111\u1ed5i th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<p>K\u1ebft h\u1ee3p ti\u1ebft ki\u1ec7m th\u00f4ng minh v\u00e0 chi ti\u00eau c\u00f3 tr\u00e1ch nhi\u1ec7m s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n t\u1ed1t h\u01a1n. C\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n \u0111\u1ea1i nh\u01b0 Infina kh\u00f4ng ch\u1ec9 h\u1ed7 tr\u1ee3 t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh m\u00e0 c\u00f2n gi\u00fap n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng.<\/p>\n<p>\u00c1p d\u1ee5ng nh\u1eefng nguy\u00ean t\u1eafc n\u00e0y c\u00f9ng v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7, b\u1ea1n s\u1ebd t\u1ef1 tin h\u01a1n khi \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau v\u00e0 ho\u00e0n c\u1ea3nh c\u1ee7a m\u00ecnh. S\u1ef1 c\u00e2n b\u1eb1ng gi\u1eefa ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau kh\u00f4ng ch\u1ec9 \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh m\u00e0 c\u00f2n mang l\u1ea1i m\u1ed9t cu\u1ed9c s\u1ed1ng h\u00e0i h\u00f2a h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_Hoi_Thuong_Gap\"><\/span>C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi ph\u1ed5 bi\u1ebfn \u0111\u1ec3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong b\u00e0i vi\u1ebft.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tang_lop_trung_luu_o_Viet_Nam_duoc_hieu_nhu_the_nao\"><\/span>T\u1ea7ng l\u1edbp trung l\u01b0u \u1edf Vi\u1ec7t Nam \u0111\u01b0\u1ee3c hi\u1ec3u nh\u01b0 th\u1ebf n\u00e0o?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u1ede Vi\u1ec7t Nam, t\u1ea7ng l\u1edbp trung l\u01b0u th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean m\u1ee9c thu nh\u1eadp h\u1ed9 gia \u0111\u00ecnh trung b\u00ecnh t\u1eeb 7.000 \u0111\u1ebfn 8.000 USD m\u1ed7i n\u0103m. \u0110i\u1ec1u th\u00fa v\u1ecb l\u00e0 c\u00f3 \u0111\u1ebfn 96% ng\u01b0\u1eddi Vi\u1ec7t t\u1ef1 nh\u1eadn m\u00ecnh thu\u1ed9c t\u1ea7ng l\u1edbp trung l\u01b0u, nh\u01b0ng th\u1ef1c t\u1ebf ch\u1ec9 kho\u1ea3ng 50% \u0111\u1ea1t ti\u00eau chu\u1ea9n thu nh\u1eadp n\u00e0y.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lam_the_nao_de_quan_ly_ngan_sach_va_tai_chinh_hieu_qua\"><\/span>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch v\u00e0 t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3, ngo\u00e0i vi\u1ec7c \u00e1p d\u1ee5ng quy t\u1eafc 50\/30\/20 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc sau:<\/p>\n<ul>\n<li><strong>X\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong>: \u0110\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3, d\u1ec5 \u0111o l\u01b0\u1eddng.<\/li>\n<li><strong>\u01afu ti\u00ean chi ti\u00eau c\u1ea7n thi\u1ebft<\/strong>: T\u1eadp trung v\u00e0o c\u00e1c kho\u1ea3n chi quan tr\u1ecdng tr\u01b0\u1edbc.<\/li>\n<li><strong>T\u1eadn d\u1ee5ng c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3<\/strong>: S\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Infina \u0111\u1ec3 qu\u1ea3n l\u00fd qu\u1ef9 d\u1ef1 ph\u00f2ng v\u00e0 gia t\u0103ng l\u1ee3i nhu\u1eadn.<\/li>\n<li><strong>\u0110\u00e1nh gi\u00e1 th\u01b0\u1eddng xuy\u00ean<\/strong>: Xem l\u1ea1i k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u1ecbnh k\u1ef3 \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Lam_sao_de_cai_thien_kien_thuc_tai_chinh\"><\/span>L\u00e0m sao \u0111\u1ec3 c\u1ea3i thi\u1ec7n ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u1ea1n c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh qua nh\u1eefng c\u00e1ch sau:<\/p>\n<ul>\n<li><strong>Tham gia kh\u00f3a h\u1ecdc tr\u1ef1c tuy\u1ebfn<\/strong>: C\u00e1c kh\u00f3a h\u1ecdc v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n lu\u00f4n l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t.<\/li>\n<li><strong>Th\u1ef1c h\u00e0nh qua \u1ee9ng d\u1ee5ng<\/strong>: D\u00f9ng c\u00e1c \u1ee9ng d\u1ee5ng nh\u01b0 Infina \u0111\u1ec3 \u00e1p d\u1ee5ng ki\u1ebfn th\u1ee9c v\u00e0o th\u1ef1c t\u1ebf.<\/li>\n<li><strong>Theo d\u00f5i chuy\u00ean gia v\u00e0 t\u00e0i li\u1ec7u uy t\u00edn<\/strong>: L\u1eafng nghe l\u1eddi khuy\u00ean t\u1eeb chuy\u00ean gia ho\u1eb7c \u0111\u1ecdc c\u00e1c ngu\u1ed3n th\u00f4ng tin \u0111\u00e1ng tin c\u1eady.<\/li>\n<\/ul>\n<p>Nh\u1eefng th\u00f4ng tin tr\u00ean s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B&#7841;n n&ecirc;n ti&#7871;t ki&#7879;m hay chi ti&ecirc;u? C&acirc;u tr&#7843; l&#7901;i ph&#7909; thu&#7897;c v&agrave;o m&#7909;c ti&ecirc;u t&agrave;i ch&iacute;nh v&agrave; ho&agrave;n c&#7843;nh c&aacute; nh&acirc;n c&#7911;a b&#7841;n. D&#432;&#7899;i &#273;&acirc;y l&agrave; nh&#7919;ng &#273;i&#7875;m ch&iacute;nh gi&uacute;p b&#7841;n d&#7877; d&agrave;ng &#273;&#432;a ra quy&#7871;t &#273;&#7883;nh: Ti&#7871;t ki&#7879;m: &#272;&#7843;m b&#7843;o qu&#7929; d&#7921; ph&ograve;ng, &#7893;n &#273;&#7883;nh t&agrave;i ch&iacute;nh, v&agrave; t&#7841;o c&#417; h&#7897;i &#273;&#7847;u t&#432; [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":25732,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1328],"tags":[],"class_list":{"0":"post-25731","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-thu-vi"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25731","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=25731"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25731\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25732"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25731"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}