{"id":26855,"date":"2025-04-08T11:10:39","date_gmt":"2025-04-08T04:10:39","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=26855"},"modified":"2025-04-08T11:10:39","modified_gmt":"2025-04-08T04:10:39","slug":"10-cach-quan-ly-dong-tien-khi-khung-hoang-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/","title":{"rendered":"10 C\u00e1ch Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n Khi Kh\u1ee7ng Ho\u1ea3ng Cho Doanh Nghi\u1ec7p"},"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;26855&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;10 C\u00e1ch Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n Khi Kh\u1ee7ng Ho\u1ea3ng Cho Doanh Nghi\u1ec7p&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 \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh?<\/strong> D\u01b0\u1edbi \u0111\u00e2y l\u00e0 10 c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u01b0ng hi\u1ec7u qu\u1ea3 \u0111\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n trong th\u1eddi k\u1ef3 kh\u1ee7ng ho\u1ea3ng:<\/p>\n<ol>\n<li><strong>C\u1eaft gi\u1ea3m chi ph\u00ed kh\u00f4ng thi\u1ebft y\u1ebfu<\/strong>: Lo\u1ea1i b\u1ecf c\u00e1c kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft nh\u01b0 trang tr\u00ed v\u0103n ph\u00f2ng ho\u1eb7c s\u1ef1 ki\u1ec7n n\u1ed9i b\u1ed9.<\/li>\n<li><strong>\u0110\u00e0m ph\u00e1n l\u1ea1i v\u1edbi nh\u00e0 cung c\u1ea5p<\/strong>: K\u00e9o d\u00e0i k\u1ef3 h\u1ea1n thanh to\u00e1n, gi\u1ea3m gi\u00e1 khi thanh to\u00e1n s\u1edbm.<\/li>\n<li><strong>Quy t\u1eafc thu h\u1ed3i c\u00f4ng n\u1ee3 r\u00f5 r\u00e0ng<\/strong>: \u0110\u1eb7t th\u1eddi h\u1ea1n thanh to\u00e1n v\u00e0 ph\u1ea1t n\u1ee3 qu\u00e1 h\u1ea1n.<\/li>\n<li><strong>\u00c1p d\u1ee5ng chi\u1ebft kh\u1ea5u thanh to\u00e1n s\u1edbm<\/strong>: Khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng thanh to\u00e1n nhanh h\u01a1n \u0111\u1ec3 t\u0103ng d\u00f2ng ti\u1ec1n.<\/li>\n<li><strong>Qu\u1ea3n l\u00fd h\u00e0ng t\u1ed3n kho <\/strong><strong>JIT<\/strong>: Gi\u1ea3m chi ph\u00ed l\u01b0u kho v\u00e0 t\u1ed1i \u01b0u v\u1ed1n.<\/li>\n<li><strong>Thanh l\u00fd h\u00e0ng t\u1ed3n kho kh\u00f4ng s\u1eed d\u1ee5ng<\/strong>: B\u00e1n gi\u1ea3m gi\u00e1 ho\u1eb7c theo l\u00f4 \u0111\u1ec3 thu h\u1ed3i v\u1ed1n.<\/li>\n<li><strong>T\u00ecm ki\u1ebfm ngu\u1ed3n thu nh\u1eadp b\u1ed5 sung<\/strong>: M\u1edf r\u1ed9ng k\u00eanh b\u00e1n h\u00e0ng ho\u1eb7c cho thu\u00ea t\u00e0i s\u1ea3n kh\u00f4ng s\u1eed d\u1ee5ng.<\/li>\n<li><strong>Ra m\u1eaft s\u1ea3n ph\u1ea9m m\u1edbi<\/strong>: T\u1eadp trung v\u00e0o nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li><strong>Theo d\u00f5i t\u00e0i ch\u00ednh v\u1edbi c\u00f4ng c\u1ee5 hi\u1ec7n \u0111\u1ea1i<\/strong>: S\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh\u00a0\u0111\u1ec3 qu\u1ea3n l\u00fd v\u00e0 t\u1ed1i \u01b0u d\u00f2ng ti\u1ec1n.<\/li>\n<li><strong>X\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng<\/strong>: T\u00edch l\u0169y ti\u1ec1n nh\u00e0n r\u1ed7i \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd.<\/li>\n<\/ol>\n<p><strong>B\u1ea3ng so s\u00e1nh nhanh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c:<\/strong><\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u1ee3i \u00edch ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">C\u00e1ch th\u1ef1c hi\u1ec7n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u1eaft gi\u1ea3m chi ph\u00ed<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m ngay l\u1eadp t\u1ee9c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Lo\u1ea1i b\u1ecf chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u00e0m ph\u00e1n v\u1edbi nh\u00e0 cung c\u1ea5p<\/td>\n<td colspan=\"1\" rowspan=\"1\">K\u00e9o d\u00e0i th\u1eddi gian thanh to\u00e1n, gi\u1ea3m \u00e1p l\u1ef1c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Th\u01b0\u01a1ng l\u01b0\u1ee3ng k\u1ef3 h\u1ea1n v\u00e0 gi\u00e1 t\u1ed1t h\u01a1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thu h\u1ed3i c\u00f4ng n\u1ee3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Duy tr\u00ec d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/td>\n<td colspan=\"1\" rowspan=\"1\">Quy \u0111\u1ecbnh th\u1eddi h\u1ea1n v\u00e0 x\u1eed l\u00fd n\u1ee3 qu\u00e1 h\u1ea1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi\u1ebft kh\u1ea5u thanh to\u00e1n s\u1edbm<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u0103ng t\u1ed1c thu ti\u1ec1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u00c1p d\u1ee5ng m\u1ee9c chi\u1ebft kh\u1ea5u ph\u00f9 h\u1ee3p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd t\u1ed3n kho JIT<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m chi ph\u00ed l\u01b0u kho<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ch\u1ec9 nh\u1eadp h\u00e0ng khi c\u1ea7n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thanh l\u00fd h\u00e0ng t\u1ed3n kho<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3i ph\u00f3ng v\u1ed1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m gi\u00e1, b\u00e1n theo l\u00f4<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">T\u00ecm ki\u1ebfm ngu\u1ed3n thu b\u1ed5 sung<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u0103ng thu nh\u1eadp<\/td>\n<td colspan=\"1\" rowspan=\"1\">Cho thu\u00ea t\u00e0i s\u1ea3n ho\u1eb7c m\u1edf r\u1ed9ng b\u00e1n h\u00e0ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ra m\u1eaft s\u1ea3n ph\u1ea9m m\u1edbi<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u00e1p \u1ee9ng nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u1edbi chi ph\u00ed th\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Theo d\u00f5i t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n ch\u1eb7t ch\u1ebd<\/td>\n<td colspan=\"1\" rowspan=\"1\">S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">X\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u00edch l\u0169y ti\u1ec1n nh\u00e0n r\u1ed7i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>H\u00e3y \u00e1p d\u1ee5ng ngay nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u0111\u1ec3 v\u01b0\u1ee3t qua kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n<div class=\"sb-iframe-wrapper\" contenteditable=\"false\"><\/div>\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' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#1_Cat_Giam_Chi_Phi_Khong_Thiet_Yeu\" title=\"1. C\u1eaft Gi\u1ea3m Chi Ph\u00ed Kh\u00f4ng Thi\u1ebft Y\u1ebfu\">1. C\u1eaft Gi\u1ea3m Chi Ph\u00ed Kh\u00f4ng Thi\u1ebft Y\u1ebfu<\/a><\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#2_Ra_Soat_va_Cap_Nhat_Dieu_Khoan_Voi_Nha_Cung_Cap\" title=\"2. R\u00e0 So\u00e1t v\u00e0 C\u1eadp Nh\u1eadt \u0110i\u1ec1u Kho\u1ea3n V\u1edbi Nh\u00e0 Cung C\u1ea5p\">2. R\u00e0 So\u00e1t v\u00e0 C\u1eadp Nh\u1eadt \u0110i\u1ec1u Kho\u1ea3n V\u1edbi Nh\u00e0 Cung C\u1ea5p<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Phan_loai_nha_cung_cap_theo_muc_do_quan_trong\" title=\"Ph\u00e2n lo\u1ea1i nh\u00e0 cung c\u1ea5p theo m\u1ee9c \u0111\u1ed9 quan tr\u1ecdng\">Ph\u00e2n lo\u1ea1i nh\u00e0 cung c\u1ea5p theo m\u1ee9c \u0111\u1ed9 quan tr\u1ecdng<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Nhung_diem_chinh_khi_dam_phan\" title=\"Nh\u1eefng \u0111i\u1ec3m ch\u00ednh khi \u0111\u00e0m ph\u00e1n\">Nh\u1eefng \u0111i\u1ec3m ch\u00ednh khi \u0111\u00e0m ph\u00e1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Xay_dung_ke_hoach_dam_phan\" title=\"X\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch \u0111\u00e0m ph\u00e1n\">X\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch \u0111\u00e0m ph\u00e1n<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Giu_gin_moi_quan_he\" title=\"Gi\u1eef g\u00ecn m\u1ed1i quan h\u1ec7\">Gi\u1eef g\u00ecn m\u1ed1i quan h\u1ec7<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Theo_doi_va_danh_gia\" title=\"Theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1\">Theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#3_Thiet_Lap_Quy_Tac_Thu_Hoi_Cong_No_Ro_Rang\" title=\"3. Thi\u1ebft L\u1eadp Quy T\u1eafc Thu H\u1ed3i C\u00f4ng N\u1ee3 R\u00f5 R\u00e0ng\">3. Thi\u1ebft L\u1eadp Quy T\u1eafc Thu H\u1ed3i C\u00f4ng N\u1ee3 R\u00f5 R\u00e0ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Xay_dung_chinh_sach_thu_hoi_cong_no\" title=\"X\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch thu h\u1ed3i c\u00f4ng n\u1ee3\">X\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch thu h\u1ed3i c\u00f4ng n\u1ee3<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Phan_loai_va_theo_doi_cong_no\" title=\"Ph\u00e2n lo\u1ea1i v\u00e0 theo d\u00f5i c\u00f4ng n\u1ee3\">Ph\u00e2n lo\u1ea1i v\u00e0 theo d\u00f5i c\u00f4ng n\u1ee3<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Ung_dung_cong_nghe_quan_ly\" title=\"\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd\">\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Xay_dung_moi_quan_he_khach_hang\" title=\"X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng\">X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Danh_gia_va_dieu_chinh\" title=\"\u0110\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh\">\u0110\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#4_Ap_Dung_Chiet_Khau_Cho_Thanh_Toan_Som\" title=\"4. \u00c1p D\u1ee5ng Chi\u1ebft Kh\u1ea5u Cho Thanh To\u00e1n S\u1edbm\">4. \u00c1p D\u1ee5ng Chi\u1ebft Kh\u1ea5u Cho Thanh To\u00e1n S\u1edbm<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Xay_dung_muc_chiet_khau_phu_hop\" title=\"X\u00e2y d\u1ef1ng m\u1ee9c chi\u1ebft kh\u1ea5u ph\u00f9 h\u1ee3p\">X\u00e2y d\u1ef1ng m\u1ee9c chi\u1ebft kh\u1ea5u ph\u00f9 h\u1ee3p<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Danh_gia_hieu_qua_cua_chiet_khau\" title=\"\u0110\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a chi\u1ebft kh\u1ea5u\">\u0110\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a chi\u1ebft kh\u1ea5u<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Giao_tiep_ro_rang_ve_chinh_sach\" title=\"Giao ti\u1ebfp r\u00f5 r\u00e0ng v\u1ec1 ch\u00ednh s\u00e1ch\">Giao ti\u1ebfp r\u00f5 r\u00e0ng v\u1ec1 ch\u00ednh s\u00e1ch<\/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\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Su_dung_hop_ly_dong_tien_thu_ve\" title=\"S\u1eed d\u1ee5ng h\u1ee3p l\u00fd d\u00f2ng ti\u1ec1n thu v\u1ec1\">S\u1eed d\u1ee5ng h\u1ee3p l\u00fd d\u00f2ng ti\u1ec1n thu v\u1ec1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#5_Ap_Dung_Phuong_Phap_Quan_Ly_Hang_Ton_Kho_JIT\" title=\"5. \u00c1p D\u1ee5ng Ph\u01b0\u01a1ng Ph\u00e1p Qu\u1ea3n L\u00fd H\u00e0ng T\u1ed3n Kho JIT\">5. \u00c1p D\u1ee5ng Ph\u01b0\u01a1ng Ph\u00e1p Qu\u1ea3n L\u00fd H\u00e0ng T\u1ed3n Kho JIT<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Loi_ich_cua_phuong_phap_JIT\" title=\"L\u1ee3i \u00edch c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p JIT\">L\u1ee3i \u00edch c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p JIT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Cach_trien_khai_JIT_hieu_qua\" title=\"C\u00e1ch tri\u1ec3n khai JIT hi\u1ec7u qu\u1ea3\">C\u00e1ch tri\u1ec3n khai JIT 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-22\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Quan_ly_rui_ro_trong_JIT\" title=\"Qu\u1ea3n l\u00fd r\u1ee7i ro trong JIT\">Qu\u1ea3n l\u00fd r\u1ee7i ro trong JIT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Tac_dong_den_dong_tien\" title=\"T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn d\u00f2ng ti\u1ec1n\">T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn d\u00f2ng ti\u1ec1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#6_Thanh_Ly_Hang_Ton_Kho_Khong_Su_Dung\" title=\"6. Thanh L\u00fd H\u00e0ng T\u1ed3n Kho Kh\u00f4ng S\u1eed D\u1ee5ng\">6. Thanh L\u00fd H\u00e0ng T\u1ed3n Kho Kh\u00f4ng S\u1eed D\u1ee5ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Phan_Loai_va_Danh_Gia_Hang_Ton_Kho\" title=\"Ph\u00e2n Lo\u1ea1i v\u00e0 \u0110\u00e1nh Gi\u00e1 H\u00e0ng T\u1ed3n Kho\">Ph\u00e2n Lo\u1ea1i v\u00e0 \u0110\u00e1nh Gi\u00e1 H\u00e0ng T\u1ed3n Kho<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Chien_Luoc_Thanh_Ly_Hieu_Qua\" title=\"Chi\u1ebfn L\u01b0\u1ee3c Thanh L\u00fd Hi\u1ec7u Qu\u1ea3\">Chi\u1ebfn L\u01b0\u1ee3c Thanh L\u00fd 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-27\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Quan_Ly_Dong_Tien_Tu_Thanh_Ly\" title=\"Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n T\u1eeb Thanh L\u00fd\">Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n T\u1eeb Thanh L\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Theo_Doi_va_Dieu_Chinh\" title=\"Theo D\u00f5i v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh\">Theo D\u00f5i v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#7_Tim_Kiem_Nguon_Thu_Nhap_Bo_Sung\" title=\"7. T\u00ecm Ki\u1ebfm Ngu\u1ed3n Thu Nh\u1eadp B\u1ed5 Sung\">7. T\u00ecm Ki\u1ebfm Ngu\u1ed3n Thu Nh\u1eadp B\u1ed5 Sung<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Mo_rong_kenh_ban_hang\" title=\"M\u1edf r\u1ed9ng k\u00eanh b\u00e1n h\u00e0ng\">M\u1edf r\u1ed9ng k\u00eanh b\u00e1n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Tan_dung_tai_san_hien_co\" title=\"T\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3\">T\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Cung_cap_dich_vu_moi\" title=\"Cung c\u1ea5p d\u1ecbch v\u1ee5 m\u1edbi\">Cung c\u1ea5p d\u1ecbch v\u1ee5 m\u1edbi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Quan_ly_thu_nhap_hieu_qua_hon\" title=\"Qu\u1ea3n l\u00fd thu nh\u1eadp hi\u1ec7u qu\u1ea3 h\u01a1n\">Qu\u1ea3n l\u00fd thu nh\u1eadp hi\u1ec7u qu\u1ea3 h\u01a1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#8_Ra_Mat_San_Pham_Moi\" title=\"8. Ra M\u1eaft S\u1ea3n Ph\u1ea9m M\u1edbi\">8. Ra M\u1eaft S\u1ea3n Ph\u1ea9m M\u1edbi<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Tap_trung_vao_cac_nhu_cau_cot_loi\" title=\"T\u1eadp trung v\u00e0o c\u00e1c nhu c\u1ea7u c\u1ed1t l\u00f5i\">T\u1eadp trung v\u00e0o c\u00e1c nhu c\u1ea7u c\u1ed1t l\u00f5i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Ap_dung_chien_luoc_thu_nghiem_nhanh\" title=\"\u00c1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c th\u1eed nghi\u1ec7m nhanh\">\u00c1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c th\u1eed nghi\u1ec7m nhanh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Quan_ly_chi_phi_phat_trien_hieu_qua\" title=\"Qu\u1ea3n l\u00fd chi ph\u00ed ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3\">Qu\u1ea3n l\u00fd chi ph\u00ed ph\u00e1t tri\u1ec3n 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-38\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Xay_dung_chien_luoc_gia_hop_ly\" title=\"X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c gi\u00e1 h\u1ee3p l\u00fd\">X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c gi\u00e1 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-39\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Kiem_soat_va_giam_thieu_rui_ro_tai_chinh\" title=\"Ki\u1ec3m so\u00e1t v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh\">Ki\u1ec3m so\u00e1t v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro 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-40\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#9_Theo_Doi_Tai_Chinh_voi_ung_dung_Fintech\" title=\"9. Theo D\u00f5i T\u00e0i Ch\u00ednh v\u1edbi \u1ee9ng d\u1ee5ng Fintech\">9. Theo D\u00f5i T\u00e0i Ch\u00ednh v\u1edbi \u1ee9ng d\u1ee5ng Fintech<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Tan_Dung_Tien_Nhan_Roi_Voi_Infina\" title=\"T\u1eadn D\u1ee5ng Ti\u1ec1n Nh\u00e0n R\u1ed7i V\u1edbi Infina\">T\u1eadn D\u1ee5ng Ti\u1ec1n Nh\u00e0n R\u1ed7i V\u1edbi Infina<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Quan_Ly_Dong_Tien_Hieu_Qua\" title=\"Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n Hi\u1ec7u Qu\u1ea3\">Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n 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-43\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#An_Toan_va_Minh_Bach\" title=\"An To\u00e0n v\u00e0 Minh B\u1ea1ch\">An To\u00e0n v\u00e0 Minh B\u1ea1ch<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Dau_Tu_Da_Dang_Voi_Ung_Dung_Infina_Chung_khoan_Finavi_Kafi_Wealth\" title=\"\u0110\u1ea7u T\u01b0 \u0110a D\u1ea1ng V\u1edbi \u1ee8ng D\u1ee5ng Infina: Ch\u1ee9ng kho\u00e1n Finavi, Kafi Wealth\">\u0110\u1ea7u T\u01b0 \u0110a D\u1ea1ng V\u1edbi \u1ee8ng D\u1ee5ng Infina: Ch\u1ee9ng kho\u00e1n Finavi, Kafi Wealth<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#10_Xay_Dung_Quy_Du_Phong\" title=\"10. X\u00e2y D\u1ef1ng Qu\u1ef9 D\u1ef1 Ph\u00f2ng\">10. X\u00e2y D\u1ef1ng Qu\u1ef9 D\u1ef1 Ph\u00f2ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Cach_Tich_Luy_Hieu_Qua\" title=\"C\u00e1ch T\u00edch L\u0169y Hi\u1ec7u Qu\u1ea3\">C\u00e1ch T\u00edch L\u0169y 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-47\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Tan_Dung_Lai_Suat_Cao\" title=\"T\u1eadn D\u1ee5ng L\u00e3i Su\u1ea5t Cao\">T\u1eadn D\u1ee5ng L\u00e3i Su\u1ea5t Cao<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Chien_Luoc_Xay_Dung_Quy\" title=\"Chi\u1ebfn L\u01b0\u1ee3c X\u00e2y D\u1ef1ng Qu\u1ef9\">Chi\u1ebfn L\u01b0\u1ee3c X\u00e2y D\u1ef1ng Qu\u1ef9<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Ket_Luan\" title=\"K\u1ebft Lu\u1eadn\">K\u1ebft Lu\u1eadn<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Hieu_Qua_Tich_Hop\" title=\"Hi\u1ec7u Qu\u1ea3 T\u00edch H\u1ee3p\">Hi\u1ec7u Qu\u1ea3 T\u00edch H\u1ee3p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/infina.vn\/blog\/10-cach-quan-ly-dong-tien-khi-khung-hoang-tc\/#Gia_Tri_Lau_Dai\" title=\"Gi\u00e1 Tr\u1ecb L\u00e2u D\u00e0i\">Gi\u00e1 Tr\u1ecb L\u00e2u D\u00e0i<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Cat_Giam_Chi_Phi_Khong_Thiet_Yeu\"><\/span>1. C\u1eaft Gi\u1ea3m Chi Ph\u00ed Kh\u00f4ng Thi\u1ebft Y\u1ebfu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>C\u1eaft gi\u1ea3m c\u00e1c kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ea7u ti\u00ean trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n khi g\u1eb7p kh\u00f3 kh\u0103n. \u0110i\u1ec1u n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch c\u00f3 t\u1ed5 ch\u1ee9c \u0111\u1ec3 tr\u00e1nh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ch\u00ednh c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<p><strong>Ph\u00e2n lo\u1ea1i v\u00e0 \u0111\u00e1nh gi\u00e1 chi ph\u00ed<\/strong><\/p>\n<p>H\u00e3y chia chi ph\u00ed th\u00e0nh 3 nh\u00f3m ch\u00ednh \u0111\u1ec3 d\u1ec5 d\u00e0ng nh\u1eadn bi\u1ebft v\u00e0 x\u1eed l\u00fd:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">M\u1ee9c \u0111\u1ed9 \u01b0u ti\u00ean<\/th>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i chi ph\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed d\u1ee5<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thi\u1ebft y\u1ebfu<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed v\u1eadn h\u00e0nh ch\u00ednh<\/td>\n<td colspan=\"1\" rowspan=\"1\">L\u01b0\u01a1ng nh\u00e2n vi\u00ean, nguy\u00ean li\u1ec7u, ti\u1ec1n thu\u00ea m\u1eb7t b\u1eb1ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Quan tr\u1ecdng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed h\u1ed7 tr\u1ee3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Marketing c\u01a1 b\u1ea3n, b\u1ea3o tr\u00ec thi\u1ebft b\u1ecb, \u0111\u00e0o t\u1ea1o<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f4ng c\u1ea7n thi\u1ebft<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m<\/td>\n<td colspan=\"1\" rowspan=\"1\">Trang tr\u00ed v\u0103n ph\u00f2ng, s\u1ef1 ki\u1ec7n n\u1ed9i b\u1ed9, chi ph\u00ed gi\u1ea3i tr\u00ed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3:<\/strong><\/p>\n<ul>\n<li><strong>Ki\u1ec3m tra h\u00f3a \u0111\u01a1n:<\/strong> Xem x\u00e9t c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u1ecbnh k\u1ef3 v\u00e0 h\u1ee7y nh\u1eefng d\u1ecbch v\u1ee5 kh\u00f4ng c\u00f2n c\u1ea7n thi\u1ebft.<\/li>\n<li><strong>T\u1ed1i \u01b0u kh\u00f4ng gian l\u00e0m vi\u1ec7c:<\/strong> \u00c1p d\u1ee5ng m\u00f4 h\u00ecnh l\u00e0m vi\u1ec7c k\u1ebft h\u1ee3p (hybrid) \u0111\u1ec3 gi\u1ea3m chi ph\u00ed thu\u00ea v\u0103n ph\u00f2ng.<\/li>\n<li><strong>\u0110\u00e0m ph\u00e1n h\u1ee3p \u0111\u1ed3ng:<\/strong> Th\u01b0\u01a1ng l\u01b0\u1ee3ng l\u1ea1i v\u1edbi nh\u00e0 cung c\u1ea5p \u0111\u1ec3 c\u00f3 gi\u00e1 t\u1ed1t h\u01a1n ho\u1eb7c \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n linh ho\u1ea1t h\u01a1n.<\/li>\n<\/ul>\n<p><strong>\u0110i\u1ec1u c\u1ea7n l\u01b0u \u00fd:<\/strong> Kh\u00f4ng c\u1eaft gi\u1ea3m c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 quan tr\u1ecdng nh\u01b0 \u0111\u00e0o t\u1ea1o nh\u00e2n s\u1ef1 ch\u1ee7 ch\u1ed1t, b\u1ea3o tr\u00ec thi\u1ebft b\u1ecb, ho\u1eb7c c\u00e1c chi\u1ebfn d\u1ecbch marketing cho s\u1ea3n ph\u1ea9m ch\u00ednh. Thay v\u00e0o \u0111\u00f3, h\u00e3y t\u1eadp trung v\u00e0o vi\u1ec7c gi\u1ea3m chi ph\u00ed b\u1eb1ng c\u00e1ch:<\/p>\n<ul>\n<li>S\u1ed1 h\u00f3a quy tr\u00ecnh l\u00e0m vi\u1ec7c<\/li>\n<li>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ti\u1ebft ki\u1ec7m chi ph\u00ed v\u1eadn h\u00e0nh<\/li>\n<li>\u00c1p d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p ti\u1ebft ki\u1ec7m n\u0103ng l\u01b0\u1ee3ng<\/li>\n<\/ul>\n<p><strong>Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh li\u00ean t\u1ee5c:<\/strong> Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi ph\u00ed h\u00e0ng th\u00e1ng.<\/p>\n<p>Ph\u1ea7n ti\u1ebfp theo s\u1ebd h\u01b0\u1edbng d\u1eabn c\u00e1ch r\u00e0 so\u00e1t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh \u0111i\u1ec1u kho\u1ea3n v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p \u0111\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Ra_Soat_va_Cap_Nhat_Dieu_Khoan_Voi_Nha_Cung_Cap\"><\/span>2. R\u00e0 So\u00e1t v\u00e0 C\u1eadp Nh\u1eadt \u0110i\u1ec1u Kho\u1ea3n V\u1edbi Nh\u00e0 Cung C\u1ea5p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u00e0m ph\u00e1n l\u1ea1i \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n v\u1edbi nh\u00e0 cung c\u1ea5p c\u00f3 th\u1ec3 gi\u00fap qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3 h\u01a1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00e1ch \u0111\u1ec3 th\u1ef1c hi\u1ec7n:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Phan_loai_nha_cung_cap_theo_muc_do_quan_trong\"><\/span><strong>Ph\u00e2n lo\u1ea1i nh\u00e0 cung c\u1ea5p theo m\u1ee9c \u0111\u1ed9 quan tr\u1ecdng<\/strong><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\">Nh\u00f3m<\/th>\n<th colspan=\"1\" rowspan=\"1\">\u0110\u1eb7c \u0111i\u1ec3m<\/th>\n<th colspan=\"1\" rowspan=\"1\">Chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e0m ph\u00e1n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi\u1ebfn l\u01b0\u1ee3c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Cung c\u1ea5p nguy\u00ean v\u1eadt li\u1ec7u ch\u00ednh<\/td>\n<td colspan=\"1\" rowspan=\"1\">K\u00e9o d\u00e0i th\u1eddi h\u1ea1n thanh to\u00e1n; gi\u1eef nguy\u00ean gi\u00e1<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u01b0\u1eddng xuy\u00ean<\/td>\n<td colspan=\"1\" rowspan=\"1\">Cung c\u1ea5p \u0111\u1ecbnh k\u1ef3, s\u1ed1 l\u01b0\u1ee3ng v\u1eeba<\/td>\n<td colspan=\"1\" rowspan=\"1\">Th\u01b0\u01a1ng l\u01b0\u1ee3ng gi\u1ea3m gi\u00e1 khi thanh to\u00e1n s\u1edbm<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f4ng th\u01b0\u1eddng xuy\u00ean<\/td>\n<td colspan=\"1\" rowspan=\"1\">Cung c\u1ea5p kh\u00f4ng \u0111\u1ecbnh k\u1ef3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Y\u00eau c\u1ea7u thanh to\u00e1n linh ho\u1ea1t theo \u0111\u01a1n h\u00e0ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Nhung_diem_chinh_khi_dam_phan\"><\/span><strong>Nh\u1eefng \u0111i\u1ec3m ch\u00ednh khi \u0111\u00e0m ph\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>K\u1ef3 h\u1ea1n thanh to\u00e1n:<\/strong> C\u00f3 th\u1ec3 \u0111\u1ec1 xu\u1ea5t k\u00e9o d\u00e0i t\u1eeb 30 ng\u00e0y l\u00ean 45-60 ng\u00e0y.<\/li>\n<li><strong>Ch\u00ednh s\u00e1ch chi\u1ebft kh\u1ea5u:<\/strong> Th\u01b0\u01a1ng l\u01b0\u1ee3ng m\u1ee9c gi\u1ea3m gi\u00e1 2-3% n\u1ebfu thanh to\u00e1n s\u1edbm.<\/li>\n<li><strong>\u0110i\u1ec1u kho\u1ea3n \u0111\u1eb7t h\u00e0ng:<\/strong> \u0110i\u1ec1u ch\u1ec9nh s\u1ed1 l\u01b0\u1ee3ng \u0111\u1eb7t h\u00e0ng t\u1ed1i thi\u1ec3u \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u hi\u1ec7n t\u1ea1i.<\/li>\n<li><strong>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n:<\/strong> Xem x\u00e9t m\u1edf r\u1ed9ng c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 chuy\u1ec3n kho\u1ea3n, s\u00e9c ho\u1eb7c LC \u0111\u1ec3 linh ho\u1ea1t h\u01a1n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_ke_hoach_dam_phan\"><\/span><strong>X\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch \u0111\u00e0m ph\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng tr\u01b0\u1edbc khi \u0111\u00e0m ph\u00e1n. Bao g\u1ed3m:<\/p>\n<ul>\n<li>T\u1ed5ng h\u1ee3p s\u1ed1 li\u1ec7u giao d\u1ecbch tr\u01b0\u1edbc \u0111\u00e2y.<\/li>\n<li>L\u00ean 2-3 ph\u01b0\u01a1ng \u00e1n thay th\u1ebf \u0111\u1ec3 th\u1ea3o lu\u1eadn.<\/li>\n<li>Ch\u1ecdn th\u1eddi \u0111i\u1ec3m \u0111\u00e0m ph\u00e1n ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u0103ng c\u01a1 h\u1ed9i th\u00e0nh c\u00f4ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Giu_gin_moi_quan_he\"><\/span><strong>Gi\u1eef g\u00ecn m\u1ed1i quan h\u1ec7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Duy tr\u00ec li\u00ean l\u1ea1c th\u01b0\u1eddng xuy\u00ean v\u1edbi nh\u00e0 cung c\u1ea5p, chia s\u1ebb k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n v\u00e0 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft. H\u00e0nh \u0111\u1ed9ng n\u00e0y s\u1ebd gi\u00fap x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c th\u1ecfa thu\u1eadn trong t\u01b0\u01a1ng lai.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Theo_doi_va_danh_gia\"><\/span><strong>Theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Li\u00ean t\u1ee5c theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 nh\u01b0 th\u1eddi gian thanh to\u00e1n trung b\u00ecnh v\u00e0 m\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 \u0111\u1ec3 k\u1ecbp th\u1eddi \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c khi c\u1ea7n thi\u1ebft.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Thiet_Lap_Quy_Tac_Thu_Hoi_Cong_No_Ro_Rang\"><\/span>3. Thi\u1ebft L\u1eadp Quy T\u1eafc Thu H\u1ed3i C\u00f4ng N\u1ee3 R\u00f5 R\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3, doanh nghi\u1ec7p c\u1ea7n m\u1ed9t h\u1ec7 th\u1ed1ng thu h\u1ed3i c\u00f4ng n\u1ee3 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c ch\u1eb7t ch\u1ebd. C\u00e1c quy t\u1eafc r\u00f5 r\u00e0ng kh\u00f4ng ch\u1ec9 gi\u00fap ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh m\u00e0 c\u00f2n duy tr\u00ec d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_chinh_sach_thu_hoi_cong_no\"><\/span>X\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch thu h\u1ed3i c\u00f4ng n\u1ee3<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\">Y\u1ebfu t\u1ed1<\/th>\n<th colspan=\"1\" rowspan=\"1\">Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/th>\n<th colspan=\"1\" rowspan=\"1\">C\u00e1ch th\u1ef1c hi\u1ec7n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u1eddi h\u1ea1n thanh to\u00e1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u1eb7t k\u1ef3 h\u1ea1n 15\/30\/45 ng\u00e0y<\/td>\n<td colspan=\"1\" rowspan=\"1\">G\u1eedi nh\u1eafc nh\u1edf tr\u01b0\u1edbc 7 ng\u00e0y khi g\u1ea7n \u0111\u1ebfn h\u1ea1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chuy\u1ec3n kho\u1ea3n, ti\u1ec1n m\u1eb7t ho\u1eb7c s\u00e9c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Cung c\u1ea5p th\u00f4ng tin t\u00e0i kho\u1ea3n chi ti\u1ebft<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">X\u1eed l\u00fd n\u1ee3 qu\u00e1 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ph\u1ea1t 0,05%\/ng\u00e0y sau 30 ng\u00e0y<\/td>\n<td colspan=\"1\" rowspan=\"1\">G\u1eedi c\u00f4ng v\u0103n nh\u1eafc nh\u1edf v\u00e0 t\u1ea1m ng\u1eebng cung c\u1ea5p d\u1ecbch v\u1ee5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Phan_loai_va_theo_doi_cong_no\"><\/span>Ph\u00e2n lo\u1ea1i v\u00e0 theo d\u00f5i c\u00f4ng n\u1ee3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ph\u00e2n nh\u00f3m c\u00f4ng n\u1ee3 gi\u00fap doanh nghi\u1ec7p x\u1eed l\u00fd hi\u1ec7u qu\u1ea3 t\u1eebng tr\u01b0\u1eddng h\u1ee3p:<\/p>\n<ul>\n<li>C\u00f4ng n\u1ee3 trong h\u1ea1n<\/li>\n<li>C\u00f4ng n\u1ee3 g\u1ea7n \u0111\u1ebfn h\u1ea1n<\/li>\n<li>C\u00f4ng n\u1ee3 \u0111\u00e3 qu\u00e1 h\u1ea1n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Ung_dung_cong_nghe_quan_ly\"><\/span>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n d\u1ec5 d\u00e0ng h\u01a1n. V\u00ed d\u1ee5, s\u1ed1 d\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng, ho\u1eb7c sinh l\u1eddi qua T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> v\u1edbi <a class=\"\" href=\"https:\/\/www.infina.vn\/tich-luy\" target=\"_blank\" rel=\"noopener noreferrer\">l\u00e3i su\u1ea5t 4,9%\/n\u0103m<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_moi_quan_he_khach_hang\"><\/span>X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Duy tr\u00ec li\u00ean l\u1ea1c chuy\u00ean nghi\u1ec7p th\u00f4ng qua b\u00e1o c\u00e1o c\u00f4ng n\u1ee3 h\u00e0ng th\u00e1ng v\u00e0 th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi khi c\u00f3 thay \u0111\u1ed5i trong ch\u00ednh s\u00e1ch thanh to\u00e1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Danh_gia_va_dieu_chinh\"><\/span>\u0110\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Doanh nghi\u1ec7p c\u1ea7n theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 trong vi\u1ec7c thu h\u1ed3i c\u00f4ng n\u1ee3:<\/p>\n<ul>\n<li>T\u1ef7 l\u1ec7 thu h\u1ed3i c\u00f4ng n\u1ee3 \u0111\u00fang h\u1ea1n<\/li>\n<li>Th\u1eddi gian trung b\u00ecnh \u0111\u1ec3 thu h\u1ed3i c\u00f4ng n\u1ee3<\/li>\n<li>T\u1ef7 l\u1ec7 n\u1ee3 kh\u00f3 \u0111\u00f2i ho\u1eb7c kh\u00f4ng th\u1ec3 thu h\u1ed3i<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4_Ap_Dung_Chiet_Khau_Cho_Thanh_Toan_Som\"><\/span>4. \u00c1p D\u1ee5ng Chi\u1ebft Kh\u1ea5u Cho Thanh To\u00e1n S\u1edbm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Trong giai \u0111o\u1ea1n kh\u00f3 kh\u0103n, vi\u1ec7c t\u0103ng t\u1ed1c d\u00f2ng ti\u1ec1n v\u1ec1 doanh nghi\u1ec7p l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. M\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng thanh to\u00e1n nhanh h\u01a1n ch\u00ednh l\u00e0 \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch chi\u1ebft kh\u1ea5u thanh to\u00e1n s\u1edbm. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch \u0111\u1ec3 tri\u1ec3n khai v\u00e0 t\u1ed1i \u01b0u h\u00f3a chi\u1ebfn l\u01b0\u1ee3c n\u00e0y.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_muc_chiet_khau_phu_hop\"><\/span>X\u00e2y d\u1ef1ng m\u1ee9c chi\u1ebft kh\u1ea5u ph\u00f9 h\u1ee3p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng minh h\u1ecda c\u00e1c m\u1ee9c chi\u1ebft kh\u1ea5u d\u1ef1a tr\u00ean th\u1eddi gian thanh to\u00e1n:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Th\u1eddi gian thanh to\u00e1n<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u1ee9c chi\u1ebft kh\u1ea5u<\/th>\n<th colspan=\"1\" rowspan=\"1\">\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Trong 7 ng\u00e0y<\/td>\n<td colspan=\"1\" rowspan=\"1\">3-5%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n to\u00e0n b\u1ed9 h\u00f3a \u0111\u01a1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Trong 15 ng\u00e0y<\/td>\n<td colspan=\"1\" rowspan=\"1\">2-3%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n \u00edt nh\u1ea5t 70% gi\u00e1 tr\u1ecb<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Trong 30 ng\u00e0y<\/td>\n<td colspan=\"1\" rowspan=\"1\">1-2%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n \u00edt nh\u1ea5t 50% gi\u00e1 tr\u1ecb<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Danh_gia_hieu_qua_cua_chiet_khau\"><\/span>\u0110\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a chi\u1ebft kh\u1ea5u<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Khi tri\u1ec3n khai ch\u00ednh s\u00e1ch chi\u1ebft kh\u1ea5u, doanh nghi\u1ec7p c\u1ea7n xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng:<\/p>\n<ul>\n<li><strong>Chi ph\u00ed c\u01a1 h\u1ed9i<\/strong>: So s\u00e1nh m\u1ee9c chi\u1ebft kh\u1ea5u v\u1edbi l\u00e3i su\u1ea5t vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch.<\/li>\n<li><strong>T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn d\u00f2ng ti\u1ec1n<\/strong>: Xem x\u00e9t kh\u1ea3 n\u0103ng c\u1ea3i thi\u1ec7n t\u1ed1c \u0111\u1ed9 quay v\u00f2ng ti\u1ec1n m\u1eb7t.<\/li>\n<li><strong>Kh\u1ea3 n\u0103ng thanh kho\u1ea3n<\/strong>: \u0110\u1ea3m b\u1ea3o \u0111\u00e1p \u1ee9ng \u0111\u1ee7 v\u1ed1n l\u01b0u \u0111\u1ed9ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u1eafn h\u1ea1n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Giao_tiep_ro_rang_ve_chinh_sach\"><\/span>Giao ti\u1ebfp r\u00f5 r\u00e0ng v\u1ec1 ch\u00ednh s\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 ch\u00ednh s\u00e1ch chi\u1ebft kh\u1ea5u ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3, doanh nghi\u1ec7p c\u1ea7n:<\/p>\n<ul>\n<li>Truy\u1ec1n \u0111\u1ea1t r\u00f5 r\u00e0ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u00e0 m\u1ee9c chi\u1ebft kh\u1ea5u \u0111\u1ebfn kh\u00e1ch h\u00e0ng.<\/li>\n<li>\u0110\u00e0o t\u1ea1o nh\u00e2n vi\u00ean v\u1ec1 c\u00e1ch t\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng, d\u1ec5 hi\u1ec3u.<\/li>\n<li>Theo d\u00f5i v\u00e0 b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 \u0111\u1ecbnh k\u1ef3 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Su_dung_hop_ly_dong_tien_thu_ve\"><\/span>S\u1eed d\u1ee5ng h\u1ee3p l\u00fd d\u00f2ng ti\u1ec1n thu v\u1ec1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng. Doanh nghi\u1ec7p c\u00f3 th\u1ec3 xem x\u00e9t \u0111\u1ea7u t\u01b0 m\u1ed9t ph\u1ea7n v\u00e0o c\u00e1c k\u00eanh sinh l\u1eddi ng\u1eafn h\u1ea1n nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a ngu\u1ed3n v\u1ed1n, \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thanh kho\u1ea3n cho ho\u1ea1t \u0111\u1ed9ng kinh doanh h\u00e0ng ng\u00e0y.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Ap_Dung_Phuong_Phap_Quan_Ly_Hang_Ton_Kho_JIT\"><\/span>5. \u00c1p D\u1ee5ng Ph\u01b0\u01a1ng Ph\u00e1p Qu\u1ea3n L\u00fd H\u00e0ng T\u1ed3n Kho <a class=\"\" href=\"https:\/\/www.investopedia.com\/terms\/j\/jit.asp\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">JIT<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" contenteditable=\"false\" draggable=\"true\" src=\"https:\/\/mars-images.imgix.net\/seobot\/screenshots\/www.investopedia.com-0b2b173ef8348037ad80067ff37f0955-2025-04-01.jpg?auto=compress\" alt=\"JIT\" title=\"\"><img class=\"ProseMirror-separator\" alt=\"\" \/><\/p>\n<p>Ph\u01b0\u01a1ng ph\u00e1p JIT gi\u00fap gi\u1ea3m chi ph\u00ed l\u01b0u kho, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 t\u0103ng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng. \u0110\u00e2y l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n, k\u1ebft h\u1ee3p v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ti\u1ebft ki\u1ec7m chi ph\u00ed kh\u00e1c \u0111\u1ec3 t\u1ea1o ra m\u1ed9t h\u1ec7 th\u1ed1ng to\u00e0n di\u1ec7n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loi_ich_cua_phuong_phap_JIT\"><\/span>L\u1ee3i \u00edch c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p JIT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">L\u1ee3i \u00edch<\/th>\n<th colspan=\"1\" rowspan=\"1\">T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn d\u00f2ng ti\u1ec1n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m chi ph\u00ed l\u01b0u kho<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m chi ph\u00ed thu\u00ea kho v\u00e0 qu\u1ea3n l\u00fd kh\u00f4ng gian l\u01b0u tr\u1eef<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m v\u1ed1n b\u1ecb r\u00e0ng bu\u1ed9c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3i ph\u00f3ng ngu\u1ed3n v\u1ed1n \u0111ang b\u1ecb &#8220;giam&#8221; trong h\u00e0ng t\u1ed3n kho<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">T\u1eadn d\u1ee5ng kh\u00f4ng gian<\/td>\n<td colspan=\"1\" rowspan=\"1\">D\u00e0nh di\u1ec7n t\u00edch cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh quan tr\u1ecdng h\u01a1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m hao h\u1ee5t<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u1ea1n ch\u1ebf m\u1ea5t m\u00e1t do h\u00e0ng h\u00f3a l\u1ed7i th\u1eddi ho\u1eb7c h\u1ebft h\u1ea1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Nh\u1eefng l\u1ee3i \u00edch tr\u00ean cho th\u1ea5y JIT kh\u00f4ng ch\u1ec9 gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed m\u00e0 c\u00f2n h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a ngu\u1ed3n l\u1ef1c m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_trien_khai_JIT_hieu_qua\"><\/span>C\u00e1ch tri\u1ec3n khai JIT hi\u1ec7u qu\u1ea3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>D\u1ef1 b\u00e1o nhu c\u1ea7u ch\u00ednh x\u00e1c<\/strong>: Ph\u00e2n t\u00edch d\u1eef li\u1ec7u b\u00e1n h\u00e0ng \u0111\u1ec3 \u0111\u1eb7t \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng c\u1ea7n thi\u1ebft, tr\u00e1nh d\u01b0 th\u1eeba.<\/li>\n<li><strong>H\u1ee3p t\u00e1c v\u1edbi nh\u00e0 cung c\u1ea5p \u0111\u00e1ng tin c\u1eady<\/strong>: Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng \u0111\u1eb7t h\u00e0ng linh ho\u1ea1t, \u01b0u ti\u00ean giao h\u00e0ng nhanh thay v\u00ec \u0111\u1eb7t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn.<\/li>\n<li><strong>S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd kho<\/strong>: Theo d\u00f5i h\u00e0ng t\u1ed3n kho theo th\u1eddi gian th\u1ef1c v\u00e0 c\u00e0i \u0111\u1eb7t c\u1ea3nh b\u00e1o khi m\u1ee9c t\u1ed3n kho qu\u00e1 th\u1ea5p.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_rui_ro_trong_JIT\"><\/span>Qu\u1ea3n l\u00fd r\u1ee7i ro trong JIT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 h\u1ec7 th\u1ed1ng JIT v\u1eadn h\u00e0nh tr\u01a1n tru, c\u00e1c doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u00fd:<\/p>\n<ul>\n<li>Duy tr\u00ec m\u1ed9t l\u01b0\u1ee3ng h\u00e0ng d\u1ef1 ph\u00f2ng nh\u1ecf cho c\u00e1c s\u1ea3n ph\u1ea9m thi\u1ebft y\u1ebfu.<\/li>\n<li>L\u1eadp danh s\u00e1ch nh\u00e0 cung c\u1ea5p thay th\u1ebf \u0111\u1ec3 \u1ee9ng ph\u00f3 khi c\u00f3 s\u1ef1 c\u1ed1.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch nh\u1eadp h\u00e0ng d\u1ef1a tr\u00ean bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng.<\/li>\n<li>\u0110\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng v\u1eadn chuy\u1ec3n v\u00e0 giao nh\u1eadn ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Tac_dong_den_dong_tien\"><\/span>T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn d\u00f2ng ti\u1ec1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>JIT gi\u00fap doanh nghi\u1ec7p gi\u1ea3m l\u01b0\u1ee3ng h\u00e0ng t\u1ed3n kho, t\u1eeb \u0111\u00f3 ti\u1ebft ki\u1ec7m ti\u1ec1n m\u1eb7t. Kho\u1ea3n ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng mang l\u1ea1i l\u1ee3i nhu\u1eadn cao h\u01a1n ho\u1eb7c d\u1ef1 tr\u1eef cho nh\u1eefng t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd. Nh\u1edd \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 duy tr\u00ec s\u1ef1 linh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng \u1ee9ng ph\u00f3 t\u1ed1t h\u01a1n trong c\u00e1c giai \u0111o\u1ea1n kh\u00f3 kh\u0103n.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi Infina 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\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn 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\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"6_Thanh_Ly_Hang_Ton_Kho_Khong_Su_Dung\"><\/span>6. Thanh L\u00fd H\u00e0ng T\u1ed3n Kho Kh\u00f4ng S\u1eed D\u1ee5ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vi\u1ec7c thanh l\u00fd h\u00e0ng t\u1ed3n kho kh\u00f4ng s\u1eed d\u1ee5ng sau m\u00f4 h\u00ecnh JIT gi\u00fap gi\u1ea3i ph\u00f3ng v\u1ed1n v\u00e0 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng thanh kho\u1ea3n, \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong th\u1eddi k\u1ef3 kinh t\u1ebf kh\u00f3 kh\u0103n.<\/p>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch ph\u00e2n lo\u1ea1i v\u00e0 x\u1eed l\u00fd h\u00e0ng t\u1ed3n kho \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a qu\u00e1 tr\u00ecnh thanh l\u00fd:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Phan_Loai_va_Danh_Gia_Hang_Ton_Kho\"><\/span>Ph\u00e2n Lo\u1ea1i v\u00e0 \u0110\u00e1nh Gi\u00e1 H\u00e0ng T\u1ed3n Kho<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\">Lo\u1ea1i h\u00e0ng t\u1ed3n<\/th>\n<th colspan=\"1\" rowspan=\"1\">C\u00e1ch x\u1eed l\u00fd<\/th>\n<th colspan=\"1\" rowspan=\"1\">Hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">H\u00e0ng ch\u1eadm lu\u00e2n chuy\u1ec3n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m gi\u00e1 t\u1eeb 30-50%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thu h\u1ed3i \u0111\u01b0\u1ee3c 50-70% v\u1ed1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">H\u00e0ng l\u1ed7i th\u1eddi<\/td>\n<td colspan=\"1\" rowspan=\"1\">B\u00e1n theo l\u00f4 v\u1edbi gi\u00e1 th\u1ea5p<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thu h\u1ed3i \u0111\u01b0\u1ee3c 30-50% v\u1ed1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">H\u00e0ng t\u1ed3n th\u1eddi v\u1ee5<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ed5 ch\u1ee9c khuy\u1ebfn m\u00e3i theo m\u00f9a<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thu h\u1ed3i \u0111\u01b0\u1ee3c 60-80% v\u1ed1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Nguy\u00ean li\u1ec7u d\u01b0 th\u1eeba<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chuy\u1ec3n nh\u01b0\u1ee3ng cho \u0111\u1ed1i t\u00e1c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thu h\u1ed3i \u0111\u01b0\u1ee3c 70-90% v\u1ed1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Chien_Luoc_Thanh_Ly_Hieu_Qua\"><\/span>Chi\u1ebfn L\u01b0\u1ee3c Thanh L\u00fd Hi\u1ec7u Qu\u1ea3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ch\u1ecdn th\u1eddi \u0111i\u1ec3m ph\u00f9 h\u1ee3p<\/strong>: Kh\u00f4ng n\u00ean thanh l\u00fd \u0111\u1ed3ng lo\u1ea1t \u0111\u1ec3 tr\u00e1nh l\u00e0m gi\u1ea3m gi\u00e1 tr\u1ecb th\u01b0\u01a1ng hi\u1ec7u. Thay v\u00e0o \u0111\u00f3, h\u00e3y chia nh\u1ecf c\u00e1c \u0111\u1ee3t thanh l\u00fd v\u00e0 k\u1ebft h\u1ee3p v\u1edbi c\u00e1c chi\u1ebfn d\u1ecbch kinh doanh.<\/p>\n<p><strong>T\u1eadn d\u1ee5ng c\u00e1c k\u00eanh b\u00e1n h\u00e0ng<\/strong>:<\/p>\n<ul>\n<li>B\u00e1n tr\u00ean c\u00e1c s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed<\/li>\n<li>H\u1ee3p t\u00e1c v\u1edbi \u0111\u1ea1i l\u00fd ph\u00e2n ph\u1ed1i<\/li>\n<li>T\u1ed5 ch\u1ee9c h\u1ed9i ch\u1ee3 thanh l\u00fd \u0111\u1ecbnh k\u1ef3<\/li>\n<li>B\u00e1n bu\u00f4n cho c\u00e1c \u0111\u01a1n v\u1ecb thu mua<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quan_Ly_Dong_Tien_Tu_Thanh_Ly\"><\/span>Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n T\u1eeb Thanh L\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n thu v\u1ec1 c\u1ea9n th\u1eadn l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. H\u00e3y \u01b0u ti\u00ean:<\/p>\n<ul>\n<li>B\u1ed5 sung v\u1ed1n l\u01b0u \u0111\u1ed9ng<\/li>\n<li>\u0110\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh an to\u00e0n<\/li>\n<li>D\u00e0nh m\u1ed9t ph\u1ea7n l\u00e0m qu\u1ef9 d\u1ef1 ph\u00f2ng<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Theo_Doi_va_Dieu_Chinh\"><\/span>Theo D\u00f5i v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o qu\u00e1 tr\u00ecnh thanh l\u00fd \u0111\u1ea1t hi\u1ec7u qu\u1ea3, c\u1ea7n thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd:<\/p>\n<ul>\n<li>Theo d\u00f5i t\u1ef7 l\u1ec7 h\u00e0ng t\u1ed3n kho theo th\u1eddi gian th\u1ef1c<\/li>\n<li>\u0110\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t c\u1ee7a t\u1eebng \u0111\u1ee3t thanh l\u00fd<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean k\u1ebft qu\u1ea3 th\u1ef1c t\u1ebf<\/li>\n<\/ul>\n<p>Vi\u1ec7c theo d\u00f5i s\u00e1t sao v\u00e0 \u0111i\u1ec1u ch\u1ec9nh linh ho\u1ea1t s\u1ebd gi\u00fap duy tr\u00ec d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 d\u00e0i h\u1ea1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Tim_Kiem_Nguon_Thu_Nhap_Bo_Sung\"><\/span>7. T\u00ecm Ki\u1ebfm Ngu\u1ed3n Thu Nh\u1eadp B\u1ed5 Sung<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sau khi \u0111\u00e3 c\u1eaft gi\u1ea3m chi ph\u00ed v\u00e0 c\u1ea3i thi\u1ec7n ngu\u1ed3n thu hi\u1ec7n t\u1ea1i, vi\u1ec7c t\u00ecm ki\u1ebfm th\u00eam c\u00e1c ngu\u1ed3n thu nh\u1eadp m\u1edbi l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 gi\u1eef d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh trong giai \u0111o\u1ea1n kh\u00f3 kh\u0103n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00e1ch kh\u1ea3 thi:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mo_rong_kenh_ban_hang\"><\/span>M\u1edf r\u1ed9ng k\u00eanh b\u00e1n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>K\u1ebft h\u1ee3p b\u00e1n h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 tr\u1ef1c ti\u1ebfp \u0111\u1ec3 ti\u1ebfp c\u1eadn nhi\u1ec1u nh\u00f3m kh\u00e1ch h\u00e0ng h\u01a1n v\u00e0 t\u0103ng t\u1ed1c \u0111\u1ed9 thu ti\u1ec1n.<\/li>\n<li>S\u1eed d\u1ee5ng s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ho\u1eb7c x\u00e2y d\u1ef1ng website ri\u00eang \u0111\u1ec3 m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Tan_dung_tai_san_hien_co\"><\/span>T\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Cho thu\u00ea ho\u1eb7c b\u00e1n nh\u1eefng t\u00e0i s\u1ea3n kh\u00f4ng s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3, nh\u01b0 kh\u00f4ng gian v\u0103n ph\u00f2ng, m\u00e1y m\u00f3c, ho\u1eb7c kho b\u00e3i.<\/li>\n<li>\u0110\u00e1nh gi\u00e1 l\u1ea1i c\u00e1c t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3 \u0111\u1ec3 t\u00ecm c\u00e1ch khai th\u00e1c gi\u00e1 tr\u1ecb kinh t\u1ebf c\u1ee7a ch\u00fang.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cung_cap_dich_vu_moi\"><\/span>Cung c\u1ea5p d\u1ecbch v\u1ee5 m\u1edbi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>B\u1ed5 sung c\u00e1c s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean chuy\u00ean m\u00f4n hi\u1ec7n t\u1ea1i, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u01b0 v\u1ea5n, \u0111\u00e0o t\u1ea1o ho\u1eb7c c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 \u0111\u1ecbnh k\u1ef3.<\/li>\n<li>Thi\u1ebft k\u1ebf c\u00e1c d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng trong th\u1eddi \u0111i\u1ec3m kh\u00f3 kh\u0103n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_thu_nhap_hieu_qua_hon\"><\/span>Qu\u1ea3n l\u00fd thu nh\u1eadp hi\u1ec7u qu\u1ea3 h\u01a1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>\u01afu ti\u00ean c\u00e1c k\u00eanh mang l\u1ea1i thu nh\u1eadp nhanh ch\u00f3ng v\u00e0 \u1ed5n \u0111\u1ecbnh.<\/li>\n<li>X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng theo d\u00f5i hi\u1ec7u qu\u1ea3 c\u1ee7a t\u1eebng ngu\u1ed3n thu \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn.<\/li>\n<\/ul>\n<p>Nh\u1eefng b\u01b0\u1edbc n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap doanh nghi\u1ec7p v\u01b0\u1ee3t qua th\u00e1ch th\u1ee9c m\u00e0 c\u00f2n t\u1ea1o n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng v\u00e0ng h\u01a1n cho t\u01b0\u01a1ng lai.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Ra_Mat_San_Pham_Moi\"><\/span>8. Ra M\u1eaft S\u1ea3n Ph\u1ea9m M\u1edbi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Trong th\u1eddi k\u1ef3 kh\u1ee7ng ho\u1ea3ng, vi\u1ec7c gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m m\u1edbi c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch c\u1ea9n th\u1eadn v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c h\u1eefu \u00edch:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tap_trung_vao_cac_nhu_cau_cot_loi\"><\/span>T\u1eadp trung v\u00e0o c\u00e1c nhu c\u1ea7u c\u1ed1t l\u00f5i<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y \u01b0u ti\u00ean ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u c\u01a1 b\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng trong giai \u0111o\u1ea1n kh\u00f3 kh\u0103n, nh\u01b0:<\/p>\n<ul>\n<li>S\u1ea3n ph\u1ea9m gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed<\/li>\n<li>C\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n hi\u1ec7u su\u1ea5t<\/li>\n<li>D\u1ecbch v\u1ee5 c\u1ea7n thi\u1ebft v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng \u1ed5n \u0111\u1ecbnh<\/li>\n<\/ul>\n<p>\u0110\u1ed3ng th\u1eddi, th\u1eed nghi\u1ec7m s\u1ea3n ph\u1ea9m v\u1edbi ng\u00e2n s\u00e1ch th\u1ea5p \u0111\u1ec3 nhanh ch\u00f3ng \u0111\u00e1nh gi\u00e1 ph\u1ea3n h\u1ed3i t\u1eeb th\u1ecb tr\u01b0\u1eddng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ap_dung_chien_luoc_thu_nghiem_nhanh\"><\/span>\u00c1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c th\u1eed nghi\u1ec7m nhanh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>T\u1ea1o phi\u00ean b\u1ea3n MVP (s\u1ea3n ph\u1ea9m kh\u1ea3 d\u1ee5ng t\u1ed1i thi\u1ec3u) v\u1edbi chi ph\u00ed th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3 v\u00e0 thu th\u1eadp \u00fd ki\u1ebfn t\u1eeb ng\u01b0\u1eddi d\u00f9ng th\u1ef1c t\u1ebf.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh s\u1ea3n ph\u1ea9m d\u1ef1a tr\u00ean ph\u1ea3n h\u1ed3i v\u00e0 nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_chi_phi_phat_trien_hieu_qua\"><\/span>Qu\u1ea3n l\u00fd chi ph\u00ed ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>M\u1ed9t s\u1ed1 c\u00e1ch ti\u1ebft ki\u1ec7m chi ph\u00ed:<\/strong><\/p>\n<ul>\n<li>T\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 quy tr\u00ecnh s\u1eb5n c\u00f3 thay v\u00ec \u0111\u1ea7u t\u01b0 m\u1edbi.<\/li>\n<li>Th\u01b0\u01a1ng l\u01b0\u1ee3ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n linh ho\u1ea1t v\u1edbi \u0111\u1ed1i t\u00e1c \u0111\u1ec3 gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_chien_luoc_gia_hop_ly\"><\/span>X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c gi\u00e1 h\u1ee3p l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Thi\u1ebft k\u1ebf gi\u00e1 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng:<\/strong><\/p>\n<ul>\n<li>Cung c\u1ea5p c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 v\u1edbi m\u1ee9c gi\u00e1 linh ho\u1ea1t, ph\u00f9 h\u1ee3p v\u1edbi nhi\u1ec1u nh\u00f3m kh\u00e1ch h\u00e0ng.<\/li>\n<li>\u00c1p d\u1ee5ng m\u00f4 h\u00ecnh \u0111\u0103ng k\u00fd \u0111\u1ecbnh k\u1ef3 \u0111\u1ec3 t\u1ea1o ngu\u1ed3n thu \u1ed5n \u0111\u1ecbnh v\u00e0 l\u00e2u d\u00e0i.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Kiem_soat_va_giam_thieu_rui_ro_tai_chinh\"><\/span>Ki\u1ec3m so\u00e1t v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>C\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro:<\/strong><\/p>\n<ul>\n<li>Ph\u00e2n b\u1ed5 ng\u00e2n s\u00e1ch c\u1ee5 th\u1ec3 cho t\u1eebng giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n.<\/li>\n<li>\u0110\u1eb7t ra c\u00e1c m\u1ed1c \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 \u0111\u1ecbnh k\u1ef3 \u0111\u1ec3 theo d\u00f5i ti\u1ebfn tr\u00ecnh.<\/li>\n<li>Chu\u1ea9n b\u1ecb c\u00e1c ph\u01b0\u01a1ng \u00e1n d\u1ef1 ph\u00f2ng \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi nh\u1eefng bi\u1ebfn \u0111\u1ed9ng b\u1ea5t ng\u1edd c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/li>\n<\/ul>\n<p>Vi\u1ec7c qu\u1ea3n l\u00fd r\u1ee7i ro ch\u1eb7t ch\u1ebd kh\u00f4ng ch\u1ec9 gi\u00fap duy tr\u00ec d\u00f2ng ti\u1ec1n m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh. T\u1eadp trung v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o doanh thu nhanh s\u1ebd gi\u00fap doanh nghi\u1ec7p c\u00e2n b\u1eb1ng gi\u1eefa c\u01a1 h\u1ed9i v\u00e0 ngu\u1ed3n l\u1ef1c hi\u1ec7n c\u00f3.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Theo_Doi_Tai_Chinh_voi_ung_dung_Fintech\"><\/span>9. Theo D\u00f5i T\u00e0i Ch\u00ednh v\u1edbi \u1ee9ng d\u1ee5ng Fintech<img class=\"ProseMirror-separator\" alt=\"\" \/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Trong th\u1eddi k\u1ef3 kh\u00f3 kh\u0103n, vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3 l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh. C\u00e1c \u1ee9ng d\u1ee5ng Fintech mang \u0111\u1ebfn c\u00e1c c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh ti\u1ec7n l\u1ee3i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tan_Dung_Tien_Nhan_Roi_Voi_Infina\"><\/span>T\u1eadn D\u1ee5ng Ti\u1ec1n Nh\u00e0n R\u1ed7i V\u1edbi Infina<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1eeb Infina mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch:<\/p>\n<ul>\n<li><strong>L\u00e3i su\u1ea5t 4,9%\/n\u0103m<\/strong> cho ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n<\/li>\n<li>R\u00fat ti\u1ec1n linh ho\u1ea1t, kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c th\u1eddi gian<\/li>\n<li>L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y, t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn<\/li>\n<\/ul>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ngu\u1ed3n<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Infina<\/td>\n<td colspan=\"1\" rowspan=\"1\">4,90<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ngo\u00e0i vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a ti\u1ec1n nh\u00e0n r\u1ed7i, Infina c\u00f2n gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3 b\u1eb1ng c\u00e1ch ph\u00e2n b\u1ed5 ngu\u1ed3n v\u1ed1n h\u1ee3p l\u00fd.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quan_Ly_Dong_Tien_Hieu_Qua\"><\/span>Qu\u1ea3n L\u00fd D\u00f2ng Ti\u1ec1n Hi\u1ec7u Qu\u1ea3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Infina h\u1ed7 tr\u1ee3 b\u1ea1n ph\u00e2n chia ngu\u1ed3n ti\u1ec1n theo c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li>Ti\u1ec1n l\u01b0\u01a1ng ch\u1edd chi ti\u00eau<\/li>\n<li>Qu\u1ef9 d\u1ef1 ph\u00f2ng cho c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p<\/li>\n<li>Doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh<\/li>\n<li>V\u1ed1n ch\u1edd \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u01a1 h\u1ed9i m\u1edbi<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"An_Toan_va_Minh_Bach\"><\/span>An To\u00e0n v\u00e0 Minh B\u1ea1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Infina cam k\u1ebft mang l\u1ea1i s\u1ef1 an t\u00e2m th\u00f4ng qua:<\/p>\n<ul>\n<li>Quy tr\u00ecnh \u0111\u1ea7u t\u01b0 r\u00f5 r\u00e0ng, d\u1ec5 hi\u1ec3u<\/li>\n<li>B\u00e1o c\u00e1o \u0111\u1ea7y \u0111\u1ee7, chi ti\u1ebft v\u1ec1 t\u00e0i ch\u00ednh<\/li>\n<li>B\u1ea3o m\u1eadt \u0111a t\u1ea7ng, \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin<\/li>\n<\/ul>\n<p>Kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, Infina c\u00f2n m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 th\u00f4ng qua n\u1ec1n t\u1ea3ng Finavi.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dau_Tu_Da_Dang_Voi_Ung_Dung_Infina_Chung_khoan_Finavi_Kafi_Wealth\"><\/span>\u0110\u1ea7u T\u01b0 \u0110a D\u1ea1ng V\u1edbi \u1ee8ng D\u1ee5ng Infina: Ch\u1ee9ng kho\u00e1n Finavi, Kafi Wealth<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V\u1edbi t\u00e0i kho\u1ea3n Finavi \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi Infina, b\u1ea1n c\u00f3 th\u1ec3:<\/p>\n<ul>\n<li>Th\u1ef1c hi\u1ec7n giao d\u1ecbch ch\u1ee9ng kho\u00e1n chuy\u00ean s\u00e2u<\/li>\n<li>Qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch linh ho\u1ea1t<\/li>\n<\/ul>\n<p>Infina kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n m\u00e0 c\u00f2n m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n. \u0110\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng l\u00fd t\u01b0\u1edfng \u0111\u1ec3 duy tr\u00ec thanh kho\u1ea3n trong giai \u0111o\u1ea1n kh\u00f3 kh\u0103n v\u00e0 t\u1ea1o ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u1eeb s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_Xay_Dung_Quy_Du_Phong\"><\/span>10. X\u00e2y D\u1ef1ng Qu\u1ef9 D\u1ef1 Ph\u00f2ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>M\u1ed9t qu\u1ef9 d\u1ef1 ph\u00f2ng m\u1ea1nh m\u1ebd l\u00e0 &#8220;t\u1ea5m \u0111\u1ec7m&#8221; t\u00e0i ch\u00ednh gi\u00fap b\u1ea1n \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd. \u0110\u1eb7c bi\u1ec7t trong nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n, vi\u1ec7c c\u00f3 s\u1eb5n m\u1ed9t kho\u1ea3n ti\u1ec1n d\u1ef1 ph\u00f2ng c\u00f3 th\u1ec3 gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u00e0 mang l\u1ea1i s\u1ef1 an t\u00e2m. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch b\u1ea1n c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_Tich_Luy_Hieu_Qua\"><\/span>C\u00e1ch T\u00edch L\u0169y Hi\u1ec7u Qu\u1ea3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 x\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng, b\u1ea1n c\u1ea7n t\u1eadp trung v\u00e0o ba y\u1ebfu t\u1ed1 ch\u00ednh:<\/p>\n<ul>\n<li><strong>Ph\u00e2n b\u1ed5 thu nh\u1eadp h\u1ee3p l\u00fd<\/strong>: \u0110\u1eb7t m\u1ee5c ti\u00eau tr\u00edch m\u1ed9t ph\u1ea7n c\u1ed1 \u0111\u1ecbnh t\u1eeb thu nh\u1eadp h\u00e0ng th\u00e1ng, d\u00f9 \u00edt hay nhi\u1ec1u, \u0111\u1ec3 t\u00edch l\u0169y d\u1ea7n.<\/li>\n<li><strong>Ch\u1ecdn t\u00e0i kho\u1ea3n sinh l\u1eddi t\u1ed1t<\/strong>: \u0110\u1ea3m b\u1ea3o ti\u1ec1n trong qu\u1ef9 kh\u00f4ng ch\u1ec9 &#8220;n\u1eb1m y\u00ean&#8221; m\u00e0 c\u00f2n c\u00f3 th\u1ec3 t\u0103ng tr\u01b0\u1edfng nh\u1edd l\u00e3i su\u1ea5t.<\/li>\n<li><strong>\u0110\u1ea3m b\u1ea3o t\u00ednh thanh kho\u1ea3n<\/strong>: H\u00e3y \u01b0u ti\u00ean nh\u1eefng t\u00e0i kho\u1ea3n cho ph\u00e9p r\u00fat ti\u1ec1n nhanh ch\u00f3ng khi c\u1ea7n thi\u1ebft.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Tan_Dung_Lai_Suat_Cao\"><\/span>T\u1eadn D\u1ee5ng L\u00e3i Su\u1ea5t Cao<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L\u1ef1a ch\u1ecdn t\u00e0i kho\u1ea3n ph\u00f9 h\u1ee3p l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch t\u1eeb qu\u1ef9 d\u1ef1 ph\u00f2ng. V\u00ed d\u1ee5, t\u00e0i kho\u1ea3n Infina v\u1edbi l\u00e3i su\u1ea5t 4,90%\/n\u0103m l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn n\u1ed5i b\u1eadt, mang l\u1ea1i l\u1ee3i nhu\u1eadn cao h\u01a1n so v\u1edbi nhi\u1ec1u ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n v\u1eeba b\u1ea3o v\u1ec7 qu\u1ef9 v\u1eeba t\u0103ng th\u00eam gi\u00e1 tr\u1ecb.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chien_Luoc_Xay_Dung_Quy\"><\/span>Chi\u1ebfn L\u01b0\u1ee3c X\u00e2y D\u1ef1ng Qu\u1ef9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y \u0111\u1eb7t ra m\u1ed9t k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li>X\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n t\u00edch l\u0169y d\u1ef1a tr\u00ean c\u00e1c chi ph\u00ed sinh ho\u1ea1t c\u01a1 b\u1ea3n.<\/li>\n<li>Thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng ngay khi nh\u1eadn l\u01b0\u01a1ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c ti\u1ebft ki\u1ec7m kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n.<\/li>\n<li>\u0110\u1ecbnh k\u1ef3 ki\u1ec3m tra v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<p>V\u1edbi l\u00e3i su\u1ea5t 4,90%\/n\u0103m t\u1eeb t\u00e0i kho\u1ea3n Infina, qu\u1ef9 d\u1ef1 ph\u00f2ng c\u1ee7a b\u1ea1n kh\u00f4ng ch\u1ec9 an to\u00e0n m\u00e0 c\u00f2n c\u00f3 c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 <a class=\"\" href=\"https:\/\/www.infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>[1]<\/sup><\/a>. \u0110\u00e2y l\u00e0 c\u00e1ch th\u00f4ng minh \u0111\u1ec3 chu\u1ea9n b\u1ecb cho nh\u1eefng b\u1ea5t ng\u1edd trong t\u01b0\u01a1ng lai m\u00e0 v\u1eabn \u0111\u1ea3m b\u1ea3o ti\u1ec1n c\u1ee7a b\u1ea1n ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 trong th\u1eddi gian ch\u1edd s\u1eed d\u1ee5ng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_Luan\"><\/span>K\u1ebft Lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n trong th\u1eddi k\u1ef3 kh\u1ee7ng ho\u1ea3ng \u0111\u00f2i h\u1ecfi s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a nhi\u1ec1u chi\u1ebfn l\u01b0\u1ee3c kh\u00e1c nhau, gi\u00fap doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n v\u00e0 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh. T\u1eeb vi\u1ec7c gi\u1ea3m chi ph\u00ed \u0111\u1ebfn m\u1edf r\u1ed9ng ngu\u1ed3n thu v\u00e0 t\u1ea1o qu\u1ef9 d\u1ef1 ph\u00f2ng, m\u1ed7i gi\u1ea3i ph\u00e1p \u0111\u1ec1u g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Hieu_Qua_Tich_Hop\"><\/span>Hi\u1ec7u Qu\u1ea3 T\u00edch H\u1ee3p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Vi\u1ec7c \u00e1p d\u1ee5ng \u0111\u1ed3ng th\u1eddi c\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch nh\u01b0:<\/p>\n<ul>\n<li>Gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh th\u00f4ng qua t\u1ed1i \u01b0u h\u00f3a qu\u1ea3n l\u00fd kho h\u00e0ng v\u00e0 c\u1eaft gi\u1ea3m chi ph\u00ed.<\/li>\n<li>Thu h\u1ed3i c\u00f4ng n\u1ee3 nhanh ch\u00f3ng \u0111\u1ec3 duy tr\u00ec ngu\u1ed3n ti\u1ec1n \u1ed5n \u0111\u1ecbnh.<\/li>\n<li>M\u1edf r\u1ed9ng ngu\u1ed3n thu nh\u1eb1m t\u0103ng kh\u1ea3 n\u0103ng ch\u1ed1ng \u0111\u1ee1 tr\u01b0\u1edbc bi\u1ebfn \u0111\u1ed9ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Gia_Tri_Lau_Dai\"><\/span>Gi\u00e1 Tr\u1ecb L\u00e2u D\u00e0i<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u00f3i quen qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 mang l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb b\u1ec1n v\u1eefng nh\u01b0:<\/p>\n<ul>\n<li>H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t chi ph\u00ed ch\u1eb7t ch\u1ebd h\u01a1n.<\/li>\n<li>Quan h\u1ec7 h\u1ee3p t\u00e1c v\u1edbi \u0111\u1ed1i t\u00e1c \u0111\u01b0\u1ee3c duy tr\u00ec l\u00e2u d\u00e0i.<\/li>\n<li>Kh\u1ea3 n\u0103ng ph\u1ea3n \u1ee9ng linh ho\u1ea1t tr\u01b0\u1edbc s\u1ef1 thay \u0111\u1ed5i c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/li>\n<\/ul>\n<p>Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y t\u1ea1o n\u00ean m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh, s\u1eb5n s\u00e0ng \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u1eed th\u00e1ch trong t\u01b0\u01a1ng lai. \u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, ch\u1eb3ng h\u1ea1n nh\u01b0 Infina, gi\u00fap c\u1ea3i thi\u1ec7n quy tr\u00ecnh qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n, t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn v\u00e0 theo d\u00f5i t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc, s\u1eb5n s\u00e0ng \u1ee9ng ph\u00f3 v\u1edbi b\u1ea5t k\u1ef3 t\u00ecnh hu\u1ed1ng n\u00e0o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B&#7841;n &#273;ang &#273;&#7889;i m&#7863;t v&#7899;i kh&oacute; kh&#259;n t&agrave;i ch&iacute;nh? D&#432;&#7899;i &#273;&acirc;y l&agrave; 10 c&aacute;ch &#273;&#417;n gi&#7843;n nh&#432;ng hi&#7879;u qu&#7843; &#273;&#7875; qu&#7843;n l&yacute; d&ograve;ng ti&#7873;n trong th&#7901;i k&#7923; kh&#7911;ng ho&#7843;ng: C&#7855;t gi&#7843;m chi ph&iacute; kh&ocirc;ng thi&#7871;t y&#7871;u: Lo&#7841;i b&#7887; c&aacute;c kho&#7843;n chi kh&ocirc;ng c&#7847;n thi&#7871;t nh&#432; trang tr&iacute; v&#259;n ph&ograve;ng ho&#7863;c s&#7921; ki&#7879;n n&#7897;i b&#7897;. &#272;&agrave;m [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26855","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26855","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=26855"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26855\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26856"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}