{"id":25993,"date":"2025-02-03T11:34:17","date_gmt":"2025-02-03T04:34:17","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25993"},"modified":"2025-02-03T11:34:17","modified_gmt":"2025-02-03T04:34:17","slug":"tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/","title":{"rendered":"T\u0103ng Thu Nh\u1eadp \u1ea2nh H\u01b0\u1edfng T\u1edbi T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m"},"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;25993&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;T\u0103ng Thu Nh\u1eadp \u1ea2nh H\u01b0\u1edfng T\u1edbi T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m&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>Thu nh\u1eadp t\u0103ng gi\u00fap ng\u01b0\u1eddi Vi\u1ec7t ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng tuy\u1ebfn t\u00ednh.<\/strong> T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m t\u1ea1i Vi\u1ec7t Nam duy tr\u00ec \u1edf m\u1ee9c cao 29,27% GDP (2016-2020), v\u01b0\u1ee3t nhi\u1ec1u qu\u1ed1c gia ph\u00e1t tri\u1ec3n. Tuy nhi\u00ean, s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa khu v\u1ef1c th\u00e0nh th\u1ecb v\u00e0 n\u00f4ng th\u00f4n v\u1eabn r\u00f5 r\u1ec7t. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c \u0111i\u1ec3m ch\u00ednh:<\/p>\n<ul>\n<li><strong>T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m cao:<\/strong> H\u1ed9 gia \u0111\u00ecnh Vi\u1ec7t Nam ti\u1ebft ki\u1ec7m 31-32% t\u1ed5ng chi ti\u00eau, cao h\u01a1n Eurozone (14,3%) v\u00e0 M\u1ef9 (16,1%).<\/li>\n<li><strong>Y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng:<\/strong> Thu nh\u1eadp t\u0103ng, \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i (FDI), v\u00e0 c\u00f4ng nghi\u1ec7p h\u00f3a gi\u00fap c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m.<\/li>\n<li><strong>Xu h\u01b0\u1edbng m\u1edbi:<\/strong> N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 \u0111ang h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 h\u01a1n.<\/li>\n<\/ul>\n<p>S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa thu nh\u1eadp t\u0103ng v\u00e0 th\u00f3i quen ti\u1ebft ki\u1ec7m \u0111ang t\u1ea1o n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc cho c\u00e1 nh\u00e2n v\u00e0 n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam.<\/p>\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\" 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ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Thong_Ke_Thu_Nhap_Hien_Tai\" title=\"Th\u1ed1ng K\u00ea Thu Nh\u1eadp Hi\u1ec7n T\u1ea1i\">Th\u1ed1ng K\u00ea Thu Nh\u1eadp Hi\u1ec7n T\u1ea1i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Cac_Yeu_To_Anh_Huong_Den_Tang_Thu_Nhap\" title=\"C\u00e1c Y\u1ebfu T\u1ed1 \u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn T\u0103ng Thu Nh\u1eadp\">C\u00e1c Y\u1ebfu T\u1ed1 \u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn T\u0103ng Thu Nh\u1eadp<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Xu_Huong_Tiet_Kiem_Tai_Viet_Nam\" title=\"Xu H\u01b0\u1edbng Ti\u1ebft Ki\u1ec7m T\u1ea1i Vi\u1ec7t Nam\">Xu H\u01b0\u1edbng Ti\u1ebft Ki\u1ec7m T\u1ea1i Vi\u1ec7t Nam<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Ty_Le_va_Phuong_Thuc_Tiet_Kiem_Hien_Tai\" title=\"T\u1ef7 L\u1ec7 v\u00e0 Ph\u01b0\u01a1ng Th\u1ee9c Ti\u1ebft Ki\u1ec7m Hi\u1ec7n T\u1ea1i\">T\u1ef7 L\u1ec7 v\u00e0 Ph\u01b0\u01a1ng Th\u1ee9c Ti\u1ebft Ki\u1ec7m Hi\u1ec7n T\u1ea1i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#So_Sanh_Ty_Le_Tiet_Kiem_Trong_Khu_Vuc\" title=\"So S\u00e1nh T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m Trong Khu V\u1ef1c\">So S\u00e1nh T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m Trong Khu V\u1ef1c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Moi_Tuong_Quan_Giua_Tang_Thu_Nhap_va_Ty_Le_Tiet_Kiem\" title=\"M\u1ed1i T\u01b0\u01a1ng Quan Gi\u1eefa T\u0103ng Thu Nh\u1eadp v\u00e0 T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m\">M\u1ed1i T\u01b0\u01a1ng Quan Gi\u1eefa T\u0103ng Thu Nh\u1eadp v\u00e0 T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Tac_Dong_cua_Thu_Nhap_Tang_Doi_Voi_Tiet_Kiem\" title=\"T\u00e1c \u0110\u1ed9ng c\u1ee7a Thu Nh\u1eadp T\u0103ng \u0110\u1ed1i V\u1edbi Ti\u1ebft Ki\u1ec7m\">T\u00e1c \u0110\u1ed9ng c\u1ee7a Thu Nh\u1eadp T\u0103ng \u0110\u1ed1i V\u1edbi 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-9\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Vi_Du_Thuc_Te_ve_Tac_Dong_Thu_Nhap\" title=\"V\u00ed D\u1ee5 Th\u1ef1c T\u1ebf v\u1ec1 T\u00e1c \u0110\u1ed9ng Thu Nh\u1eadp\">V\u00ed D\u1ee5 Th\u1ef1c T\u1ebf v\u1ec1 T\u00e1c \u0110\u1ed9ng Thu Nh\u1eadp<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Vai_Tro_cua_Nen_Tang_Tai_Chinh_So\" title=\"Vai Tr\u00f2 c\u1ee7a N\u1ec1n T\u1ea3ng T\u00e0i Ch\u00ednh S\u1ed1\">Vai Tr\u00f2 c\u1ee7a N\u1ec1n T\u1ea3ng T\u00e0i Ch\u00ednh S\u1ed1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Tac_Dong_Kinh_Te_Doi_Voi_Viet_Nam\" title=\"T\u00e1c \u0110\u1ed9ng Kinh T\u1ebf \u0110\u1ed1i V\u1edbi Vi\u1ec7t Nam\">T\u00e1c \u0110\u1ed9ng Kinh T\u1ebf \u0110\u1ed1i V\u1edbi Vi\u1ec7t Nam<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Anh_Huong_Den_Tieu_Dung_va_Dau_Tu\" title=\"\u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn Ti\u00eau D\u00f9ng v\u00e0 \u0110\u1ea7u T\u01b0\">\u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn Ti\u00eau D\u00f9ng v\u00e0 \u0110\u1ea7u T\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#De_Xuat_Chinh_Sach\" title=\"\u0110\u1ec1 Xu\u1ea5t Ch\u00ednh S\u00e1ch\">\u0110\u1ec1 Xu\u1ea5t Ch\u00ednh S\u00e1ch<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Ket_Luan_Hieu_Biet_Ve_Thu_Nhap_va_Tiet_Kiem\" title=\"K\u1ebft Lu\u1eadn: Hi\u1ec3u Bi\u1ebft V\u1ec1 Thu Nh\u1eadp v\u00e0 Ti\u1ebft Ki\u1ec7m\">K\u1ebft Lu\u1eadn: Hi\u1ec3u Bi\u1ebft V\u1ec1 Thu Nh\u1eadp v\u00e0 Ti\u1ebft Ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#FAQs\" title=\"FAQs\">FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Ty_le_tiet_kiem_ho_gia_dinh_tai_Viet_Nam_la_bao_nhieu\" title=\"T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m h\u1ed9 gia \u0111\u00ecnh t\u1ea1i Vi\u1ec7t Nam l\u00e0 bao nhi\u00eau?\">T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m h\u1ed9 gia \u0111\u00ecnh t\u1ea1i Vi\u1ec7t Nam l\u00e0 bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Cac_yeu_to_anh_huong_den_ty_le_tiet_kiem\" title=\"C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m?\">C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 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-18\" href=\"https:\/\/infina.vn\/blog\/tang-thu-nhap-anh-huong-toi-ty-le-tiet-kiem-tc\/#Lam_the_nao_de_quan_ly_tiet_kiem_hieu_qua\" title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3?\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Xu_Huong_Tang_Thu_Nhap_Tai_Viet_Nam\"><\/span>Xu H\u01b0\u1edbng T\u0103ng Thu Nh\u1eadp T\u1ea1i Vi\u1ec7t Nam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Thong_Ke_Thu_Nhap_Hien_Tai\"><\/span>Th\u1ed1ng K\u00ea Thu Nh\u1eadp Hi\u1ec7n T\u1ea1i<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thu nh\u1eadp b\u00ecnh qu\u00e2n c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u1edf Vi\u1ec7t Nam \u0111ang t\u0103ng v\u1edbi t\u1ed1c \u0111\u1ed9 kho\u1ea3ng 10% m\u1ed7i n\u0103m. \u1ede c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn nh\u01b0 H\u00e0 N\u1ed9i v\u00e0 TP.HCM, m\u1ee9c thu nh\u1eadp v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1eb3n so v\u1edbi c\u00e1c t\u1ec9nh th\u00e0nh kh\u00e1c. S\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa khu v\u1ef1c th\u00e0nh th\u1ecb v\u00e0 n\u00f4ng th\u00f4n c\u0169ng r\u1ea5t r\u00f5 r\u00e0ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_Yeu_To_Anh_Huong_Den_Tang_Thu_Nhap\"><\/span>C\u00e1c Y\u1ebfu T\u1ed1 \u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn T\u0103ng Thu Nh\u1eadp<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp n\u01b0\u1edbc ngo\u00e0i (FDI) \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c t\u1ea1o ra vi\u1ec7c l\u00e0m v\u00e0 n\u00e2ng cao m\u1ee9c l\u01b0\u01a1ng. B\u00ean c\u1ea1nh \u0111\u00f3, qu\u00e1 tr\u00ecnh c\u00f4ng nghi\u1ec7p h\u00f3a v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh d\u1ecbch v\u1ee5 c\u0169ng g\u00f3p ph\u1ea7n l\u1edbn v\u00e0o vi\u1ec7c c\u1ea3i thi\u1ec7n thu nh\u1eadp cho ng\u01b0\u1eddi d\u00e2n. Nh\u1eefng thay \u0111\u1ed5i n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap t\u0103ng thu nh\u1eadp m\u00e0 c\u00f2n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u01a1 h\u1ed9i ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n.<\/p>\n<p>Ngo\u00e0i ra, c\u00e1c c\u1ea3i c\u00e1ch kinh t\u1ebf v\u00e0 vi\u1ec7c h\u1ed9i nh\u1eadp th\u01b0\u01a1ng m\u1ea1i to\u00e0n c\u1ea7u c\u0169ng \u0111\u00f3ng g\u00f3p t\u00edch c\u1ef1c v\u00e0o xu h\u01b0\u1edbng n\u00e0y.<\/p>\n<blockquote><p>&#8220;Thu nh\u1eadp cao h\u01a1n gi\u00fap c\u00e1 nh\u00e2n ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n nh\u1edd s\u1ef1 an to\u00e0n t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n.&#8221;<\/p><\/blockquote>\n<p>Xu h\u01b0\u1edbng t\u0103ng thu nh\u1eadp n\u00e0y \u0111ang c\u00f3 t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn c\u00e1ch ng\u01b0\u1eddi d\u00e2n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 th\u00f3i quen ti\u1ebft ki\u1ec7m c\u1ee7a h\u1ecd.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Xu_Huong_Tiet_Kiem_Tai_Viet_Nam\"><\/span>Xu H\u01b0\u1edbng Ti\u1ebft Ki\u1ec7m T\u1ea1i Vi\u1ec7t Nam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Ty_Le_va_Phuong_Thuc_Tiet_Kiem_Hien_Tai\"><\/span>T\u1ef7 L\u1ec7 v\u00e0 Ph\u01b0\u01a1ng Th\u1ee9c Ti\u1ebft Ki\u1ec7m Hi\u1ec7n T\u1ea1i<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u1eeb n\u0103m 2016 \u0111\u1ebfn 2020, Vi\u1ec7t Nam duy tr\u00ec t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m \u1edf m\u1ee9c 29,27% GDP. Sau n\u0103m 2022, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ghi nh\u1eadn th\u00eam 103.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi, cho th\u1ea5y d\u1ea5u hi\u1ec7u ph\u1ee5c h\u1ed3i t\u00edch c\u1ef1c. C\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 t\u00ecnh h\u00ecnh kinh t\u1ebf \u1ed5n \u0111\u1ecbnh, m\u1ee9c thu nh\u1eadp, l\u00e3i su\u1ea5t, v\u00e0 ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh th\u00f3i quen ti\u1ebft ki\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n<blockquote><p>&#8220;Th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng suy y\u1ebfu c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp, bu\u1ed9c nhi\u1ec1u gia \u0111\u00ecnh ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t h\u01a1n vi\u1ec7c chi ti\u00eau trong l\u00fac ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f2n d\u1ed3i d\u00e0o v\u00e0 g\u00e1nh n\u1eb7ng n\u1ee3 n\u1ea7n t\u0103ng l\u00ean.&#8221;<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"So_Sanh_Ty_Le_Tiet_Kiem_Trong_Khu_Vuc\"><\/span>So S\u00e1nh T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m Trong Khu V\u1ef1c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>So v\u1edbi Singapore v\u00e0 Malaysia, t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m c\u1ee7a Vi\u1ec7t Nam v\u1eabn th\u1ea5p h\u01a1n, ch\u1ee7 y\u1ebfu do s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 thu nh\u1eadp v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. \u1ede khu v\u1ef1c th\u00e0nh th\u1ecb, nh\u1edd thu nh\u1eadp cao h\u01a1n v\u00e0 s\u1ef1 \u0111a d\u1ea1ng trong c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m c\u00f3 ph\u1ea7n nh\u1ec9nh h\u01a1n khu v\u1ef1c n\u00f4ng th\u00f4n. Tuy nhi\u00ean, con s\u1ed1 n\u00e0y v\u1eabn ch\u01b0a \u0111\u1ea1t m\u1ee9c c\u1ee7a c\u00e1c qu\u1ed1c gia ph\u00e1t tri\u1ec3n trong khu v\u1ef1c.<\/p>\n<p>M\u1ed9t xu h\u01b0\u1edbng \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 ng\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng chuy\u1ec3n sang s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0 s\u1ed1. Nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap qu\u1ea3n l\u00fd ti\u1ec1n nh\u00e0n r\u1ed7i m\u00e0 c\u00f2n t\u1ea1o c\u01a1 h\u1ed9i sinh l\u1eddi hi\u1ec7u qu\u1ea3 h\u01a1n. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng trong vi\u1ec7c li\u00ean k\u1ebft gi\u1eefa t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp v\u00e0 t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Moi_Tuong_Quan_Giua_Tang_Thu_Nhap_va_Ty_Le_Tiet_Kiem\"><\/span>M\u1ed1i T\u01b0\u01a1ng Quan Gi\u1eefa T\u0103ng Thu Nh\u1eadp v\u00e0 T\u1ef7 L\u1ec7 Ti\u1ebft Ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Tac_Dong_cua_Thu_Nhap_Tang_Doi_Voi_Tiet_Kiem\"><\/span>T\u00e1c \u0110\u1ed9ng c\u1ee7a Thu Nh\u1eadp T\u0103ng \u0110\u1ed1i V\u1edbi Ti\u1ebft Ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thu nh\u1eadp t\u0103ng c\u00f3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn h\u00e0nh vi ti\u1ebft ki\u1ec7m, v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m duy tr\u00ec \u1edf m\u1ee9c 29,27% GDP trong giai \u0111o\u1ea1n 2016-2020. Tuy nhi\u00ean, m\u1ed1i quan h\u1ec7 n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng tuy\u1ebfn t\u00ednh. N\u00f3 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u00ednh s\u00e1ch t\u00e0i kh\u00f3a. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y kh\u00f4ng ch\u1ec9 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u00e1ch ng\u01b0\u1eddi d\u00e2n ti\u1ebft ki\u1ec7m m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch h\u1ecd s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vi_Du_Thuc_Te_ve_Tac_Dong_Thu_Nhap\"><\/span>V\u00ed D\u1ee5 Th\u1ef1c T\u1ebf v\u1ec1 T\u00e1c \u0110\u1ed9ng Thu Nh\u1eadp<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Trong n\u0103m 2022, ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n \u0111\u00e3 t\u0103ng \u0111\u00e1ng k\u1ec3, ph\u1ea3n \u00e1nh s\u1ef1 ph\u1ee5c h\u1ed3i kinh t\u1ebf sau \u0111\u1ea1i d\u1ecbch. Nh\u01b0ng kh\u00f4ng ph\u1ea3i m\u1ecdi th\u1ee9 \u0111\u1ec1u su\u00f4n s\u1ebb:<\/p>\n<blockquote><p>&#8220;Xung l\u1ef1c gi\u1ea3m d\u1ea7n c\u1ee7a th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng s\u1ebd ti\u1ebfp t\u1ee5c h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp, bu\u1ed9c nhi\u1ec1u gia \u0111\u00ecnh ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t h\u01a1n vi\u1ec7c chi ti\u00eau trong l\u00fac ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f2n d\u1ed3i d\u00e0o v\u00e0 g\u00e1nh n\u1eb7ng n\u1ee3 n\u1ea7n t\u0103ng l\u00ean.&#8221; &#8211; Gregory Daco, Nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng Ernst &amp; YounG<\/p><\/blockquote>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m qua c\u00e1c giai \u0111o\u1ea1n:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Giai \u0111o\u1ea1n<\/th>\n<th colspan=\"1\" rowspan=\"1\">Xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">2016-2020<\/td>\n<td colspan=\"1\" rowspan=\"1\">Duy tr\u00ec 29,27% GDP<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">2021<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ec1n g\u1eedi doanh nghi\u1ec7p v\u01b0\u1ee3t c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">2022<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n t\u0103ng tr\u01b0\u1edfng tr\u1edf l\u1ea1i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Vai_Tro_cua_Nen_Tang_Tai_Chinh_So\"><\/span>Vai Tr\u00f2 c\u1ee7a N\u1ec1n T\u1ea3ng T\u00e0i Ch\u00ednh S\u1ed1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Khi thu nh\u1eadp t\u0103ng, nhu c\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 ng\u00e0y c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng. C\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 nh\u01b0 <a class=\"\" href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a> \u0111ang gi\u00fap ng\u01b0\u1eddi Vi\u1ec7t qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng h\u01a1n. V\u1edbi kh\u1ea3 n\u0103ng \u0111\u1ea7u t\u01b0 t\u1eeb s\u1ed1 v\u1ed1n nh\u1ecf, <a class=\"\" href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a> h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng t\u00edch l\u0169y v\u00e0 gia t\u0103ng l\u1ee3i nhu\u1eadn m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. Trong b\u1ed1i c\u1ea3nh n\u00e0y, c\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 \u0111ang tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 h\u1eefu \u00edch \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n t\u1ed1t h\u01a1n.<\/p>\n<div class=\"infina-box\">\n<p style=\"color: black;\"><strong>Gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n sinh l\u1eddi hi\u1ec7u qu\u1ea3!<\/strong><\/p>\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=\"Tac_Dong_Kinh_Te_Doi_Voi_Viet_Nam\"><\/span>T\u00e1c \u0110\u1ed9ng Kinh T\u1ebf \u0110\u1ed1i V\u1edbi Vi\u1ec7t Nam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Anh_Huong_Den_Tieu_Dung_va_Dau_Tu\"><\/span>\u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn Ti\u00eau D\u00f9ng v\u00e0 \u0110\u1ea7u T\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed1i quan h\u1ec7 gi\u1eefa thu nh\u1eadp v\u00e0 ti\u1ebft ki\u1ec7m \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam. Khi thu nh\u1eadp t\u0103ng, n\u00f3 kh\u00f4ng ch\u1ec9 th\u00fac \u0111\u1ea9y ti\u1ebft ki\u1ec7m m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch ng\u01b0\u1eddi d\u00e2n chi ti\u00eau v\u00e0 \u0111\u1ea7u t\u01b0. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra c\u1ea3 th\u00e1ch th\u1ee9c l\u1eabn c\u01a1 h\u1ed9i. Trong khi ti\u1ebft ki\u1ec7m cao gi\u00fap t\u0103ng ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0, n\u00f3 c\u0169ng c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m ti\u00eau d\u00f9ng ng\u1eafn h\u1ea1n, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ee9c mua tr\u00ean th\u1ecb tr\u01b0\u1eddng. \u0110\u1ec3 c\u00e2n b\u1eb1ng gi\u1eefa hai y\u1ebfu t\u1ed1 n\u00e0y, c\u00e1c ch\u00ednh s\u00e1ch \u0111i\u1ec1u ti\u1ebft ph\u00f9 h\u1ee3p l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ch\u1ec9 s\u1ed1 kinh t\u1ebf<\/th>\n<th colspan=\"1\" rowspan=\"1\">T\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c<\/th>\n<th colspan=\"1\" rowspan=\"1\">T\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m cao<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u0103ng ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m ti\u00eau d\u00f9ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thu nh\u1eadp t\u0103ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u00c1p l\u1ef1c l\u1ea1m ph\u00e1t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"De_Xuat_Chinh_Sach\"><\/span>\u0110\u1ec1 Xu\u1ea5t Ch\u00ednh S\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nh\u1eefng thay \u0111\u1ed5i kinh t\u1ebf n\u00e0y \u0111\u00f2i h\u1ecfi c\u00e1c ch\u00ednh s\u00e1ch h\u1ee3p l\u00fd \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch:<\/p>\n<ul>\n<li><strong>Ch\u00ednh s\u00e1ch t\u1ed5ng h\u1ee3p<\/strong>: K\u1ebft h\u1ee3p c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i kh\u00f3a v\u00e0 ti\u1ec1n t\u1ec7 nh\u1eb1m khuy\u1ebfn kh\u00edch ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n th\u00f4ng qua \u01b0u \u0111\u00e3i thu\u1ebf v\u00e0 duy tr\u00ec l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh, \u0111\u1ea3m b\u1ea3o c\u00e2n b\u1eb1ng gi\u1eefa ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n<li><strong>Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh<\/strong>: \u0110\u1ea9y m\u1ea1nh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1ch qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau. C\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 nh\u01b0 Infina c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3, t\u1eeb \u0111\u00f3 t\u1ed1i \u01b0u h\u00f3a c\u1ea3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n<li><strong>H\u1ed7 tr\u1ee3 h\u1ed9 gia \u0111\u00ecnh<\/strong>: Tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 c\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p, gi\u00fap h\u1ecd duy tr\u00ec m\u1ee9c ti\u00eau d\u00f9ng h\u1ee3p l\u00fd trong khi v\u1eabn khuy\u1ebfn kh\u00edch ti\u1ebft ki\u1ec7m th\u00f4ng minh, \u0111\u1ea3m b\u1ea3o an ninh t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/li>\n<\/ul>\n<div class=\"sb-iframe-wrapper\" contenteditable=\"false\"><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ket_Luan_Hieu_Biet_Ve_Thu_Nhap_va_Tiet_Kiem\"><\/span>K\u1ebft Lu\u1eadn: Hi\u1ec3u Bi\u1ebft V\u1ec1 Thu Nh\u1eadp v\u00e0 Ti\u1ebft Ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thu nh\u1eadp t\u0103ng t\u1ea1i Vi\u1ec7t Nam \u0111ang th\u00fac \u0111\u1ea9y xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m, v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m cao h\u01a1n nhi\u1ec1u qu\u1ed1c gia ph\u00e1t tri\u1ec3n. \u0110i\u1ec1u n\u00e0y ph\u1ea3n \u00e1nh th\u00f3i quen t\u00e0i ch\u00ednh t\u00edch c\u1ef1c c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n<p>Ngo\u00e0i thu nh\u1eadp, h\u00e0nh vi ti\u1ebft ki\u1ec7m c\u00f2n ch\u1ecbu \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 s\u1ef1 \u1ed5n \u0111\u1ecbnh kinh t\u1ebf, v\u0103n h\u00f3a ti\u1ebft ki\u1ec7m l\u00e2u \u0111\u1eddi v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh. C\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 nh\u01b0 Infina \u0111\u00e3 gi\u00fap ng\u01b0\u1eddi d\u00f9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n, \u0111\u1ed3ng th\u1eddi h\u1ed7 tr\u1ee3 vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3.<\/p>\n<p>S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u00f9ng nh\u1eadn th\u1ee9c ti\u1ebft ki\u1ec7m ng\u00e0y c\u00e0ng cao \u0111\u00e3 gi\u00fap ng\u01b0\u1eddi Vi\u1ec7t x\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh h\u1ee3p l\u00fd. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 c\u00f2n t\u1ea1o ngu\u1ed3n v\u1ed1n l\u1edbn cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf qu\u1ed1c gia.<\/p>\n<p>Nh\u1eefng thay \u0111\u1ed5i n\u00e0y kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 c\u00f2n t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn n\u1ec1n kinh t\u1ebf, t\u1eeb ti\u00eau d\u00f9ng \u0111\u1ebfn \u0111\u1ea7u t\u01b0. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n \u0111\u1ea1i, ng\u01b0\u1eddi Vi\u1ec7t \u0111ang \u0111\u1eb7t n\u1ec1n m\u00f3ng v\u1eefng ch\u1eafc cho m\u1ed9t t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Ty_le_tiet_kiem_ho_gia_dinh_tai_Viet_Nam_la_bao_nhieu\"><\/span>T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m h\u1ed9 gia \u0111\u00ecnh t\u1ea1i Vi\u1ec7t Nam l\u00e0 bao nhi\u00eau?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00ednh \u0111\u1ebfn th\u00e1ng 12\/2023, t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m c\u1ee7a Vi\u1ec7t Nam \u0111\u1ea1t 36,7%, gi\u1eef v\u1eefng s\u1ef1 \u1ed5n \u0111\u1ecbnh trong h\u01a1n m\u1ed9t th\u1eadp k\u1ef7 qua. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam c\u00f3 xu h\u01b0\u1edbng ti\u1ebft ki\u1ec7m \u1ed5n \u0111\u1ecbnh, g\u00f3p ph\u1ea7n quan tr\u1ecdng v\u00e0o ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 cho n\u1ec1n kinh t\u1ebf.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_yeu_to_anh_huong_den_ty_le_tiet_kiem\"><\/span>C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m ch\u1ecbu t\u00e1c \u0111\u1ed9ng t\u1eeb nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 thu nh\u1eadp, t\u00ecnh h\u00ecnh kinh t\u1ebf v\u0129 m\u00f4, l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edch l\u0169y t\u00e0i s\u1ea3n. T\u1ea1i Vi\u1ec7t Nam, s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u00f9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 \u0111\u00f3ng vai tr\u00f2 l\u1edbn trong vi\u1ec7c h\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lam_the_nao_de_quan_ly_tiet_kiem_hieu_qua\"><\/span>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 qu\u1ea3n l\u00fd ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3, b\u1ea1n n\u00ean \u0111\u1eb7t ra m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng, l\u1eadp k\u1ebf ho\u1ea1ch ng\u00e2n s\u00e1ch h\u1ee3p l\u00fd v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh s\u1ed1 nh\u01b0 Infina \u0111\u1ec3 qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i. Nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf.<\/p>\n<p>Hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng \u0111\u00fang c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y s\u1ebd mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 n\u1ec1n kinh t\u1ebf trong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam \u0111ang tr\u00ean \u0111\u00e0 ph\u00e1t tri\u1ec3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thu nh&#7853;p t&#259;ng gi&uacute;p ng&#432;&#7901;i Vi&#7879;t ti&#7871;t ki&#7879;m nhi&#7873;u h&#417;n, nh&#432;ng kh&ocirc;ng ph&#7843;i l&uacute;c n&agrave;o c&#361;ng tuy&#7871;n t&iacute;nh. T&#7927; l&#7879; ti&#7871;t ki&#7879;m t&#7841;i Vi&#7879;t Nam duy tr&igrave; &#7903; m&#7913;c cao 29,27% GDP (2016-2020), v&#432;&#7907;t nhi&#7873;u qu&#7889;c gia ph&aacute;t tri&#7875;n. Tuy nhi&ecirc;n, s&#7921; ch&ecirc;nh l&#7879;ch gi&#7919;a khu v&#7921;c th&agrave;nh th&#7883; v&agrave; n&ocirc;ng th&ocirc;n v&#7851;n r&otilde; r&#7879;t. [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":25994,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[],"class_list":{"0":"post-25993","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-chinh-ca-nhan"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25993","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=25993"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25993\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25994"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}