{"id":5119,"date":"2021-10-18T07:59:39","date_gmt":"2021-10-18T00:59:39","guid":{"rendered":"https:\/\/tino.org\/?p=5119"},"modified":"2025-06-11T15:32:37","modified_gmt":"2025-06-11T08:32:37","slug":"goi-vay-ho-tro-doanh-nghiep-covid-19","status":"publish","type":"post","link":"https:\/\/tino.vn\/blog\/goi-vay-ho-tro-doanh-nghiep-covid-19\/","title":{"rendered":"G\u00f3i vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p Covid-19 &#8211; gi\u1ea3i ph\u00e1p \u201cch\u1eefa ch\u00e1y\u201d hi\u1ec7u qu\u1ea3 gi\u1eefa m\u00f9a \u0111\u1ea1i d\u1ecbch"},"content":{"rendered":"\n<p><strong>T\u1eeb n\u0103m 2020 \u0111\u1ebfn nay, <a href=\"https:\/\/tino.vn\/blog\/covid-19-thuc-day-chuyen-doi-so-doanh-nghiep\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/tino.vn\/blog\/covid-19-thuc-day-chuyen-doi-so-doanh-nghiep\/\" rel=\"noreferrer noopener\">d\u1ecbch b\u1ec7nh Covid-19 <\/a>ho\u00e0nh h\u00e0nh khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p r\u01a1i v\u00e0o b\u1ebf t\u1eafc, ngu\u1ed3n t\u00e0i ch\u00ednh ch\u1ecbu \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1. \u0110\u1ec3 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n, c\u1ee7ng c\u1ed1 s\u1ee9c m\u1ea1nh cho doanh nghi\u1ec7p \u201cv\u01b0\u1ee3t b\u00e3o Covi\u201d, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u00e3 quy\u1ebft li\u1ec7t tri\u1ec3n khai nh\u1eefng gi\u1ea3i ph\u00e1p \u201cch\u1eefa ch\u00e1y\u201d b\u1eb1ng c\u00e1c g\u00f3i vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p Covid-19.<\/strong> <\/p>\n\n\n\n<h2 id=\"Th\u1ef1c_tr\u1ea1ng_c\u1ee7a_doanh_nghi\u1ec7p_trong_\u0111\u1ea1i_d\u1ecbch_Covid-19\"><a id=\"post-5119-_rdm11d14ph38\"><\/a><strong>Th\u1ef1c tr\u1ea1ng c\u1ee7a doanh nghi\u1ec7p trong \u0111\u1ea1i d\u1ecbch Covid-19<\/strong><\/h2>\n\n\n\n<h3 id=\"\u201cS\u1ee9c_kh\u1ecfe\u201d_t\u00e0i_ch\u00ednh_ng\u00e0y_c\u00e0ng_suy_gi\u1ea3m\"><a id=\"post-5119-_v1sf4bxr6frm\"><\/a><strong>\u201cS\u1ee9c kh\u1ecfe\u201d t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng suy gi\u1ea3m<\/strong><\/h3>\n\n\n\n<p>   Ph\u1ea7n l\u1edbn doanh nghi\u1ec7p Vi\u1ec7t Nam thu\u1ed9c <a href=\"https:\/\/tino.vn\/blog\/quan-tri-doanh-nghiep-vua-va-nho\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/tino.vn\/blog\/quan-tri-doanh-nghiep-vua-va-nho\/\" rel=\"noreferrer noopener\">quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf<\/a>, \u0111\u00f3ng g\u00f3p m\u1ed9t vai tr\u00f2 c\u1ef1c k\u1ef3 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i qu\u1ed1c gia. Tuy nhi\u00ean, \u0111\u00e2y c\u0169ng l\u00e0 nh\u00f3m doanh nghi\u1ec7p ch\u1ecbu \u201ct\u1ed5n th\u01b0\u01a1ng\u201d n\u1eb7ng n\u1ec1 nh\u1ea5t t\u1eeb \u0111\u1ea1i d\u1ecbch Covid-19. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/4_word-image-84.jpg\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5122\" width=\"700\" title=\"\"><\/figure><\/div>\n\n\n\n<p>\n  C\u0103n c\u1ee9 v\u00e0o s\u1ed1 li\u1ec7u kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i thu th\u1eadp t\u1eeb T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea, ch\u1ec9 trong 8 th\u00e1ng \u0111\u1ea7u n\u0103m, c\u1ea3 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 h\u01a1n 85.500 doanh nghi\u1ec7p \u201cb\u1ed1c h\u01a1i\u201d kh\u1ecfi th\u1ecb tr\u01b0\u1eddng. Trong \u0111\u00f3, c\u00f3 kho\u1ea3ng 43.000 doanh nghi\u1ec7p \u0111\u0103ng k\u00fd t\u1ea1m ng\u1eebng kinh doanh; h\u01a1n 30.000 doanh nghi\u1ec7p \u0111ang l\u00e0m th\u1ee7 t\u1ee5c gi\u1ea3i th\u1ec3 v\u00e0 h\u01a1n 12.000 doanh nghi\u1ec7p ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c gi\u1ea3i th\u1ec3.\n<\/p>\n\n\n\n<p>\n  Th\u00f4ng qua nh\u1eefng \u201ccon s\u1ed1 bi\u1ebft n\u00f3i\u201d, ta c\u00f3 th\u1ec3 th\u1ea5y doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111ang g\u00e1nh ch\u1ecbu t\u1ed5n th\u1ea5t n\u1eb7ng n\u1ec1, \u201cs\u1ee9c kh\u1ecfe\u201d t\u00e0i ch\u00ednh ng\u00e0y m\u1ed9t c\u1ea1n ki\u1ec7t, th\u1eadm ch\u00ed r\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p \u0111\u00e3 ho\u00e0n to\u00e0n ki\u1ec7t qu\u1ec7, ph\u1ea3i ng\u1eebng ho\u1ea1t \u0111\u1ed9ng kinh doanh.\n<\/p>\n\n\n\n<p>\n  Kh\u00f3 kh\u0103n \u201cb\u1ee7a v\u00e2y\u201d, \u0111i\u1ec1u m\u00e0 doanh nghi\u1ec7p c\u1ea7n nh\u1ea5t ngay l\u00fac n\u00e0y l\u00e0 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nh\u1eefng g\u00f3i vay v\u1ed1n \u01b0u \u0111\u00e3i, ti\u1ebfp th\u00eam \u201cs\u1ee9c m\u1ea1nh\u201d \u0111\u1ec3 ph\u1ee5c h\u1ed3i s\u1ea3n xu\u1ea5t.\n<\/p>\n\n\n\n<h2 id=\"Nh\u1eefng_\u201cchi\u1ebfc_phao_c\u1ee9u_sinh\u201d_d\u00e0nh_cho_doanh_nghi\u1ec7p\"><a id=\"post-5119-_vhdex27eaoob\"><\/a><strong>Nh\u1eefng \u201cchi\u1ebfc phao c\u1ee9u sinh\u201d d\u00e0nh cho doanh nghi\u1ec7p<\/strong><\/h2>\n\n\n\n<h3 id=\"Ch\u00ednh_s\u00e1ch_h\u1ed7_tr\u1ee3_t\u1eeb_Ch\u00ednh_ph\u1ee7\"><a id=\"post-5119-_y9k6h83lpnty\"><\/a><strong>Ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 t\u1eeb Ch\u00ednh ph\u1ee7<\/strong><\/h3>\n\n\n\n<p>\n  Hi\u1ec3u \u0111\u01b0\u1ee3c kh\u00f3 kh\u0103n v\u00e0 \u00e1p l\u1ef1c m\u00e0 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf Vi\u1ec7t Nam \u0111ang g\u00e1nh ch\u1ecbu, ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh c\u00e1c quy\u1ebft s\u00e1ch nh\u1eb1m k\u1ecbp th\u1eddi h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng.\n<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/2_word-image-85.jpg\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5124\" width=\"700\" title=\"\"><\/figure><\/div>\n\n\n\n<p>\n  \u0110\u1ed1i v\u1edbi nh\u1eefng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, c\u00f3 doanh thu t\u1eeb d\u01b0\u1edbi 200 t\u1ef7\/n\u0103m \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t s\u1ed1 \u01b0u \u0111\u00e3i t\u1eeb ch\u00ednh ph\u1ee7, nh\u01b0:\n<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list\"><li>Gi\u1ea3m 30% thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p   <\/li><li>Th\u1eddi gian mi\u1ec5n thu\u1ebf s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00f4ng nghi\u1ec7p \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i t\u1eeb 1\/1\/2021 &#8211; n\u0103m 2026 (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 7.500 t\u1ef7 \u0111\u1ed3ng\/n\u0103m)   <\/li><li>T\u1ea1m ho\u00e3n v\u00e0 gi\u1ea3m c\u00e1c lo\u1ea1i thu\u1ebf nh\u01b0: thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT), thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n (TNCN), ti\u1ec1n thu\u00ea \u0111\u1ea5t   <\/li><li>\u0110\u1ec1 xu\u1ea5t c\u00e1c ch\u00ednh s\u00e1ch n\u1edbi l\u1ecfng t\u00edn d\u1ee5ng khi vay v\u1ed1n ng\u00e2n h\u00e0ng   <\/li><\/ul>\n<\/div><\/div>\n\n\n\n<h3 id=\"Gi\u1ea3i_ph\u00e1p_gi\u1ea3m_l\u00e3i_su\u1ea5t_t\u1eeb_NHNN\"><a id=\"post-5119-_x52pouvfxbs3\"><\/a><strong>Gi\u1ea3i ph\u00e1p gi\u1ea3m l\u00e3i su\u1ea5t t\u1eeb NHNN<\/strong><\/h3>\n\n\n\n<p>   Th\u00f4ng qua ch\u1ec9 \u0111\u1ea1o c\u1ee7a Qu\u1ed1c h\u1ed9i, Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, <a href=\"https:\/\/tino.vn\/blog\/ngan-hang-truc-tuyen-la-gi\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/tino.vn\/blog\/ngan-hang-truc-tuyen-la-gi\/\" rel=\"noreferrer noopener\">l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng<\/a> \u0111\u00e3 th\u1ef1c hi\u1ec7n r\u1ea5t t\u1ed1t \u0111\u1ec1 \u00e1n gi\u1ea3m l\u00e3i su\u1ea5t, chia s\u1ebb g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh v\u1edbi doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf Vi\u1ec7t Nam. <\/p>\n\n\n\n<p>\n  Trong n\u0103m nay, NHNN \u201cn\u1ed5\u201d li\u00ean ti\u1ebfp 3 \u201cph\u00e1t s\u00fang\u201d v\u1ec1 vi\u1ec7c gi\u1ea3m c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho doanh nghi\u1ec7p, \u0111i\u1ec3n h\u00ecnh nh\u01b0:\n<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list\"><li>Gi\u1ea3m t\u1eeb 1,5% &#8211; 2,0%\/n\u0103m \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh   <\/li><li>Gi\u1ea3m t\u1eeb 0,6 &#8211; 1,0%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng   <\/li><li>Gi\u1ea3m 1,5%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n v\u1edbi nh\u1eefng l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c \u01b0u ti\u00ean   <\/li><li>H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p thanh kho\u1ea3n cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng   <\/li><li>Cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n c\u1ee7a NHNN v\u1edbi chi ph\u00ed th\u1ea5p   <\/li><li>Gi\u1ea3m l\u00e3i su\u1ea5t cho vay gi\u00fap kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng   <\/li><\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/2_word-image-86.jpg\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5126\" width=\"700\" title=\"\"><\/figure><\/div>\n\n\n\n<h3 id=\"G\u00f3i_vay_h\u1ed7_tr\u1ee3_doanh_nghi\u1ec7p_Covid-19\"><a id=\"post-5119-_t2qyt4u7brfm\"><\/a><strong>G\u00f3i vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p Covid-19<\/strong><\/h3>\n\n\n\n<p>\n  Hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a nh\u00e0 n\u01b0\u1edbc l\u1eabn t\u01b0 nh\u00e2n \u0111\u1ec1u ra h\u1ed7 tr\u1ee3 v\u00e0 \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n. Trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, h\u00e0ng lo\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c thi ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i, h\u1ed7 tr\u1ee3 gi\u1ea3m l\u00e3i su\u1ea5t cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba. \u0110i\u1ec1u n\u00e0y gi\u00fap doanh nghi\u1ec7p d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay v\u00e0 nhanh ch\u00f3ng c\u1ea3i thi\u1ec7n \u201cs\u1ee9c kh\u1ecfe\u201d t\u00e0i ch\u00ednh.\n<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list\"><li>Ng\u00e2n h\u00e0ng AgriBank: H\u1ed7 tr\u1ee3 30.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 4,5%\/n\u0103m. Trong \u0111\u00f3, 10.000 t\u1ef7 \u0111\u1ed3ng ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u vay ng\u1eafn h\u1ea1n, 20.000 t\u1ef7 \u0111\u1ed3ng ph\u1ee5c v\u1ee5 cho vay trung v\u00e0 d\u00e0i h\u1ea1n.   <\/li><li>Ng\u00e2n h\u00e0ng VIB: Gi\u1ea3m l\u00e3i su\u1ea5t trung b\u00ecnh 1,5 \u0111i\u1ec3m %, t\u1eadp trung v\u00e0o nh\u00f3m doanh nghi\u1ec7p ch\u1ecbu \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1 t\u1eeb Covid-19   <\/li><li>Ng\u00e2n h\u00e0ng TMCP B\u1eafc \u00c1: Tri\u1ec3n khai d\u1ef1 \u00e1n \u201cT\u00e0i ch\u00ednh n\u00f4ng th\u00f4n II\u201d, cho vay t\u1ed1i \u0111a 75% t\u1ed5ng chi ph\u00ed v\u1edbi h\u1ea1n m\u1ee9c cho vay l\u00ean \u0111\u1ebfn 2,3 t\u1ef7 \u0111\u1ed3ng. \u0110\u1eb7c bi\u1ec7t, th\u1eddi h\u1ea1n cho vay d\u00e0nh cho doanh nghi\u1ec7p l\u00ean \u0111\u1ebfn 15 n\u0103m v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 8,45%\/n\u0103m   <\/li><\/ul>\n<\/div><\/div>\n\n\n\n<p>\n  B\u00ean c\u1ea1nh nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i Vi\u1ec7t Nam, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng ra s\u1ee9c h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf. \u0110\u01a1n c\u1eed, NHNN Vi\u1ec7t Nam thu\u1ed9c \u0111\u1ecba b\u00e0n \u0110\u1ed3ng Nai, t\u1ed5ng d\u01b0 n\u1ee3 cho vay \u01b0\u1edbc t\u00ednh \u0111\u1ea1t g\u1ea7n 60.000 t\u1ef7 \u0111\u1ed3ng. So v\u1edbi n\u0103m 2020, con s\u1ed1 n\u00e0y \u0111\u00e3 t\u0103ng l\u00ean kho\u1ea3ng 6,1%, chi\u1ebfm t\u1ef7 tr\u1ecdng 22,6% so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 cho vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong t\u1ec9nh.\n<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/3_word-image-30.png\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5128\" width=\"700\" title=\"\"><\/figure><\/div>\n\n\n\n<h3 id=\"H\u00ecnh_th\u1ee9c_vay_v\u1ed1n_s\u1ed1_\u201cl\u00ean_ng\u00f4i\u201d_gi\u1eefa_t\u00e2m_\u0111\u1ea1i_d\u1ecbch\"><a id=\"post-5119-_8mgmmx6ixhqe\"><\/a><strong>H\u00ecnh th\u1ee9c vay v\u1ed1n s\u1ed1 \u201cl\u00ean ng\u00f4i\u201d gi\u1eefa t\u00e2m \u0111\u1ea1i d\u1ecbch<\/strong><\/h3>\n\n\n\n<p>\n  Nh\u1eb1m mang l\u1ea1i hi\u1ec7u qu\u1ea3 trong qu\u00e1 tr\u00ecnh vay v\u1ed1n, ti\u1ebft ki\u1ec7m th\u1eddi gian cho doanh nghi\u1ec7p v\u00e0 h\u1ea1n ch\u1ebf nguy c\u01a1 l\u00e2y nhi\u1ec5m Covid-19, c\u00e1c d\u1ecbch v\u1ee5 gi\u1ea3i ng\u00e2n tr\u1ef1c tuy\u1ebfn ng\u00e0y c\u00e0ng m\u1edf r\u1ed9ng, ti\u1ebfp c\u1eadn g\u1ea7n h\u01a1n v\u1edbi c\u00e1c ch\u1ee7 doanh nghi\u1ec7p.\n<\/p>\n\n\n\n<p>\n  C\u1ee5 th\u1ec3, th\u00f4ng qua m\u1ea1ng l\u01b0\u1edbi tr\u1ef1c tuy\u1ebfn, ng\u00e2n h\u00e0ng VPBank \u0111\u00e3 th\u1ef1c hi\u1ec7n gi\u1ea3i ng\u00e2n g\u1ea7n 300 kho\u1ea3n vay cho c\u00e1c doanh nghi\u1ec7p. B\u00ean c\u1ea1nh \u0111\u00f3, s\u1ed1 l\u01b0\u1ee3ng doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u00e3 vay v\u1ed1n \u0111\u00e3 t\u0103ng m\u1ea1ng trong giai \u0111o\u1ea1n n\u00e0y.\n<\/p>\n\n\n\n<p>\n  C\u00f4ng \u0111o\u1ea1n gi\u1ea3i ng\u00e2n tr\u1ef1c tuy\u1ebfn kh\u00e1 \u0111\u01a1n gi\u1ea3n, th\u1eddi gian gi\u1ea3i ng\u00e2n dao \u0111\u1ed9ng t\u1eeb 1 &#8211; 2 gi\u1edd l\u00e0m vi\u1ec7c. B\u00ean c\u1ea1nh \u0111\u00f3, trong qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n, kh\u00e1ch h\u00e0ng s\u1ebd li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o t\u1eeb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng qua Email ho\u1eb7c tin nh\u1eafn, \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 c\u00f4ng khai.\n<\/p>\n\n\n\n<h2 id=\"4_\u0111\u1ecbnh_h\u01b0\u1edbng_t\u00edn_d\u1ee5ng_trong_n\u0103m_2022\"><a id=\"post-5119-_ep9r3mak8lvq\"><\/a><strong>4 \u0111\u1ecbnh h\u01b0\u1edbng t\u00edn d\u1ee5ng trong n\u0103m 2022<\/strong><\/h2>\n\n\n\n<p>\n  Hi\u1ec7n t\u1ea1i, m\u1ee5c ti\u00eau h\u00e0ng \u0111\u1ea7u c\u1ee7a NHNN Vi\u1ec7t Nam l\u00e0 ti\u1ebfp t\u1ee5c h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n th\u00fac \u0111\u1ea9y v\u00e0 kh\u00f4i ph\u1ee5c kinh t\u1ebf. T\u1eeb nay \u0111\u1ebfn cu\u1ed1i n\u0103m v\u00e0 sang \u0111\u1ea7u n\u0103m 2022, NHNN s\u1ebd li\u00ean ti\u1ebfp \u0111\u1ec1 xu\u1ea5t v\u00e0 th\u1ef1c thi c\u00e1c gi\u1ea3i ph\u00e1p, \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng nh\u1eb1m duy tr\u00ec ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh cho doanh nghi\u1ec7p.\n<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/3_word-image-87.jpg\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5130\" width=\"700\" title=\"\"><\/figure><\/div>\n\n\n\n<h3 id=\"\u0110\u1ecbnh_h\u01b0\u1edbng_th\u1ee9_I\"><a id=\"post-5119-_l4p0xzlmx3k7\"><\/a><strong>\u0110\u1ecbnh h\u01b0\u1edbng th\u1ee9 I<\/strong><\/h3>\n\n\n\n<p>\n  Trong \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ea7u ti\u00ean, NHNN ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng v\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng. B\u00ean c\u1ea1nh \u0111\u00f3, qu\u00e1 tr\u00ecnh h\u1ed7 tr\u1ee3 s\u1ebd \u0111\u01b0\u1ee3c t\u1eadp trung v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh s\u1ea3n xu\u1ea5t, ng\u00e0nh ngh\u1ec1 \u0111\u01b0\u1ee3c \u01b0u ti\u00ean. \u0110\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, NHNN s\u1ebd c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t v\u00e0 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 t\u00edn d\u1ee5ng.\n<\/p>\n\n\n\n<h3 id=\"\u0110\u1ecbnh_h\u01b0\u1edbng_th\u1ee9_II\"><a id=\"post-5119-_6pu2q737alrs\"><\/a><strong>\u0110\u1ecbnh h\u01b0\u1edbng th\u1ee9 II<\/strong><\/h3>\n\n\n\n<p>\n  Trong th\u1eddi gian t\u1edbi, NHNN s\u1ebd ti\u1ebfp t\u1ee5c theo d\u00f5i, \u0111\u00f4n \u0111\u1ed1c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 n\u1ed9i dung li\u00ean quan \u0111\u1ebfn: th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n gi\u1ea3m l\u00e3i su\u1ea5t, gi\u1eef nguy\u00ean nh\u00f3m n\u1ee3 v\u00e0 h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a cho c\u00e1c doanh nghi\u1ec7p ch\u1ecbu \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1 t\u1eeb \u0111\u1ea1i d\u1ecbch Covid-19.\n<\/p>\n\n\n\n<h3 id=\"\u0110\u1ecbnh_h\u01b0\u1edbng_th\u1ee9_III\"><a id=\"post-5119-_f87ugt1ilure\"><\/a><strong>\u0110\u1ecbnh h\u01b0\u1edbng th\u1ee9 III<\/strong><\/h3>\n\n\n\n<p>\n  \u0110\u1ed1i v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng th\u1ee9 III, NHNN th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n cam k\u1ebft gi\u1ea3m chi ph\u00ed d\u1ecbch v\u1ee5 thanh to\u00e1n, l\u00e3i su\u1ea5t cho vay, t\u1eadp trung ngu\u1ed3n v\u1ed1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh trong b\u1ed1i c\u1ea3nh Covid-19. \n<\/p>\n\n\n\n<h3 id=\"\u0110\u1ecbnh_h\u01b0\u1edbng_th\u1ee9_IV\"><a id=\"post-5119-_icy38wxna4hm\"><\/a><strong>\u0110\u1ecbnh h\u01b0\u1edbng th\u1ee9 IV<\/strong><\/h3>\n\n\n\n<p>\n  NNHN ti\u1ebfn h\u00e0nh ph\u1ed1i h\u1ee3p c\u00f9ng B\u1ed9 L\u0110TB&amp;XH l\u00ean k\u1ebf ho\u1ea1ch s\u1eeda \u0111\u1ed5i Ngh\u1ecb quy\u1ebft 68\/NQ-CP v\u00e0 Quy\u1ebft \u0111\u1ecbnh 23\/2021\/Q\u0110-TTg. \u0110\u1ecbnh h\u01b0\u1edbng s\u1ebd t\u1eadp trung v\u00e0o vi\u1ec7c s\u1eeda \u0111\u1ed5i, n\u1edbi l\u1ecfng c\u00e1c \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn v\u1ed1n, h\u1ed7 tr\u1ee3 ph\u1ee5c h\u1ed3i kinh doanh, s\u1ea3n xu\u1ea5t cho doanh nghi\u1ec7p.\n<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/tino.vn\/blog\/wp-content\/uploads\/2025\/06\/3_word-image-88.jpg\" alt=\"goi-vay-ho-tro-doanh-nghiep-covid-19\" class=\"wp-image-5132\" title=\"\"><\/figure><\/div>\n\n\n\n<p>\n  C\u00e1c g\u00f3i vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p Covid-19 l\u00e0 ngu\u1ed3n \u0111\u1ed9ng l\u1ef1c to l\u1edbn gi\u00fap c\u00e1c th\u01b0\u01a1ng gia nhanh ch\u00f3ng v\u1ef1c d\u1eady sau \u201cc\u01a1n b\u00e3o\u201d. Tuy nhi\u00ean, doanh nghi\u1ec7p c\u0169ng c\u1ea7n thi\u1ebft l\u1eadp c\u00e1c chi\u1ebfn l\u01b0\u1ee3c, t\u00ecm ra gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u1ef1 c\u1ee9u l\u1ea5y m\u00ecnh trong b\u1ed1i c\u1ea3nh kh\u00f3 kh\u0103n.\n<\/p>\n\n\n\n<h2 id=\"FAQs_v\u1ec1_g\u00f3i_vay_h\u1ed7_tr\u1ee3_doanh_nghi\u1ec7p_Covid-19\"><a id=\"post-5119-_c557idmm59b6\"><\/a><strong>FAQs v\u1ec1 g\u00f3i vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p Covid-19<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1634518325517\" class=\"rank-math-list-item\">\n<h3 id=\"Vay_v\u1ed1n_ng\u00e2n_h\u00e0ng,_doanh_nghi\u1ec7p_c\u1ea7n_chu\u1ea9n_b\u1ecb_g\u00ec?\">Vay v\u1ed1n ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb g\u00ec?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Khi vay v\u1ed1n ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb m\u1ed9t h\u1ed3 s\u01a1 vay v\u1ed1n nh\u01b0 sau: c\u00e1c gi\u1ea5y t\u1edd h\u1ed3 s\u01a1 ph\u00e1p l\u00fd, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p, ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay.  <\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1634518337361\" class=\"rank-math-list-item\">\n<h3 id=\"Doanh_nghi\u1ec7p_c\u00f3_th\u1ec3_vay_v\u1ed1n_theo_h\u00ecnh_th\u1ee9c_n\u00e0o?\">Doanh nghi\u1ec7p c\u00f3 th\u1ec3 vay v\u1ed1n theo h\u00ecnh th\u1ee9c n\u00e0o?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>C\u00e1c h\u00ecnh th\u1ee9c vay v\u1ed1n ph\u1ed5 bi\u1ebfn doanh nghi\u1ec7p c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng l\u00e0: vay t\u00edn ch\u1ea5p, vay th\u1ebf ch\u1ea5p, vay th\u1ea5u chi, vay tr\u1ea3 g\u00f3p,&#8230;<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1634518346845\" class=\"rank-math-list-item\">\n<h3 id=\"Ng\u00e2n_h\u00e0ng_n\u00e0o_uy_t\u00edn_\u0111\u1ec3_vay_v\u1ed1n_trong_Covid-19?\">Ng\u00e2n h\u00e0ng n\u00e0o uy t\u00edn \u0111\u1ec3 vay v\u1ed1n trong Covid-19?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 vay v\u1ed1n 1 trong 4 ng\u00e2n h\u00e0ng thu\u1ed9c nh\u00f3m \u201cBig4\u201d c\u1ee7a Vi\u1ec7t Nam \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1ed1i \u0111a nh\u1ea5t: Agribank, BIDV, Vietinbank, Vietcombank.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1634518361338\" class=\"rank-math-list-item\">\n<h3 id=\"\u0110i\u1ec1u_ki\u1ec7n_vay_v\u1ed1n_\u0111\u1ec3_tr\u1ea3_l\u01b0\u01a1ng_ng\u1eebng_vi\u1ec7c_l\u00e0_g\u00ec?\">\u0110i\u1ec1u ki\u1ec7n vay v\u1ed1n \u0111\u1ec3 tr\u1ea3 l\u01b0\u01a1ng ng\u1eebng vi\u1ec7c l\u00e0 g\u00ec?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>C\u00f3 2 \u0111i\u1ec1u ki\u1ec7n khi vay v\u1ed1n tr\u1ea3 l\u01b0\u01a1ng ng\u1eebng vi\u1ec7c l\u00e0:<br \/>&#8211; Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i li\u1ec1n k\u1ec1 tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m ng\u1eebng vi\u1ec7c<br \/>&#8211; Kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 n\u1ee3 x\u1ea5u n\u00e0o t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i th\u1eddi \u0111i\u1ec3m mong mu\u1ed1n vay v\u1ed1n<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p>\n  M\u1ecdi th\u1eafc m\u1eafc v\u00e0 g\u00f3p \u00fd li\u00ean quan, xin vui l\u00f2ng<a href=\"https:\/\/tino.vn\/blog\/\"> li\u00ean h\u1ec7 ngay Tino Group<\/a> \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft ho\u1eb7c<a href=\"https:\/\/www.facebook.com\/tino.com.vn\" rel=\"nofollow noopener\" target=\"_blank\"> Fanpage<\/a> \u0111\u1ec3 c\u1eadp nh\u1eadt nh\u1eefng th\u00f4ng tin m\u1edbi nh\u1ea5t nh\u00e9!\n<\/p>\n\n\n\n<p>\n  Tinh g\u1ecdn quy tr\u00ecnh &#8211; ch\u1ea1m \u0111\u1ec9nh doanh thu &#8211; Tino Group t\u1ef1 tin \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p Vi\u1ec7t tr\u00ean h\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1!\n<\/p>\n\n\n\n<p><strong>C\u00d4NG TY C\u1ed4 PH\u1ea6N T\u1eacP \u0110O\u00c0N TINO<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tr\u1ee5 s\u1edf ch\u00ednh: L17-11, T\u1ea7ng 17, T\u00f2a nh\u00e0 Vincom Center, S\u1ed1 72 L\u00ea Th\u00e1nh T\u00f4n, Ph\u01b0\u1eddng B\u1ebfn Ngh\u00e9, Qu\u1eadn 1, Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh<\/li><li>T\u1ed5ng \u0111\u00e0i mi\u1ec5n ph\u00ed: 1800 6734<\/li><li>Email: info@tino.org<\/li><li>Website: <a href=\"https:\/\/tino.vn\/blog\/\">www.tino.org<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>T\u1eeb n\u0103m 2020 \u0111\u1ebfn nay, d\u1ecbch b\u1ec7nh Covid-19 ho\u00e0nh h\u00e0nh khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p r\u01a1i v\u00e0o b\u1ebf t\u1eafc, ngu\u1ed3n t\u00e0i ch\u00ednh ch\u1ecbu \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1. \u0110\u1ec3 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n, c\u1ee7ng c\u1ed1 s\u1ee9c m\u1ea1nh cho doanh nghi\u1ec7p \u201cv\u01b0\u1ee3t b\u00e3o Covi\u201d, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":5120,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[7355],"class_list":["post-5119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-tu-van-hanh-doanh-nghiep"],"_links":{"self":[{"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/posts\/5119","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/comments?post=5119"}],"version-history":[{"count":1,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/posts\/5119\/revisions"}],"predecessor-version":[{"id":114319,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/posts\/5119\/revisions\/114319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/media\/5120"}],"wp:attachment":[{"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/media?parent=5119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/categories?post=5119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tino.vn\/blog\/wp-json\/wp\/v2\/tags?post=5119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}