{"id":1000,"date":"2023-03-31T10:19:30","date_gmt":"2023-03-31T03:19:30","guid":{"rendered":"http:\/\/kthtx.vn\/?p=1000"},"modified":"2023-03-31T10:19:31","modified_gmt":"2023-03-31T03:19:31","slug":"mo-hinh-quan-tri-rui-ro-trong-quy-tin-dung-nhan-dan","status":"publish","type":"post","link":"https:\/\/kthtx.vn\/index.php\/2023\/03\/31\/mo-hinh-quan-tri-rui-ro-trong-quy-tin-dung-nhan-dan\/","title":{"rendered":"M\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro trong qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n"},"content":{"rendered":"\n

M\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro trong qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (P2P lending) l\u00e0 m\u1ed9t quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u00e1c kho\u1ea3n vay v\u00e0 c\u00e1c b\u00ean tham gia trong h\u1ec7 th\u1ed1ng. M\u1ee5c \u0111\u00edch c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng P2P lending c\u00f3 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 \u0111\u1ec3 gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a ch\u00fang \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a n\u1ec1n t\u1ea3ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.<\/p>\n\n\n\n

M\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro trong P2P lending th\u01b0\u1eddng bao g\u1ed3m c\u00e1c b\u01b0\u1edbc sau:<\/p>\n\n\n\n

  1. \u0110\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng kh\u00e1ch h\u00e0ng: P2P lending c\u1ea7n \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh r\u1ee7i ro trong qu\u00e1 tr\u00ecnh cho vay. \u0110\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng bao g\u1ed3m vi\u1ec7c thu th\u1eadp th\u00f4ng tin v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng, ki\u1ec3m tra l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay.<\/li>
  2. Qu\u1ea3n l\u00fd r\u1ee7i ro trong qu\u00e1 tr\u00ecnh cho vay: P2P lending c\u1ea7n qu\u1ea3n l\u00fd r\u1ee7i ro trong qu\u00e1 tr\u00ecnh cho vay b\u1eb1ng c\u00e1ch x\u00e1c \u0111\u1ecbnh nguy c\u01a1 v\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a ch\u00fang. C\u00e1c gi\u1ea3i ph\u00e1p bao g\u1ed3m t\u1ed1i \u01b0u h\u00f3a h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t, x\u00e1c \u0111\u1ecbnh \u0111\u1ed9 tu\u1ed5i v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay, v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p gi\u1ea3m thi\u1ec3u r\u1ee7i ro nh\u01b0 b\u1ea3o \u0111\u1ea3m v\u00e0 qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n vay ch\u1eadm tr\u1ea3.<\/li>
  3. Qu\u1ea3n l\u00fd r\u1ee7i ro v\u1ec1 t\u00e0i s\u1ea3n: P2P lending c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m \u0111\u00e1nh gi\u00e1 gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n, t\u00ecm ki\u1ebfm c\u00e1c t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb cao v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u0111\u1ea7y \u0111\u1ee7.<\/li>
  4. Qu\u1ea3n l\u00fd r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u00e1c b\u00ean tham gia: P2P lending c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c b\u00ean tham gia trong h\u1ec7 th\u1ed1ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro m\u1ed9t c\u00e1ch nghi\u00eam ng\u1eb7t. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c ki\u1ec3m tra t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a c\u00e1c b\u00ean tham gia, qu\u1ea3n l\u00fd<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    M\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro trong qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (P2P lending) l\u00e0 m\u1ed9t quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u00e1c kho\u1ea3n vay v\u00e0 c\u00e1c b\u00ean tham gia trong h\u1ec7 th\u1ed1ng. M\u1ee5c \u0111\u00edch c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng P2P lending c\u00f3 kh\u1ea3 n\u0103ng … <\/p>\n","protected":false},"author":1,"featured_media":283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[10],"tags":[146],"class_list":["post-1000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quan-tri-hop-tac-xa","tag-quan-tri-rui-ro-quy-tin-dung","grid-sizer"],"_links":{"self":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/1000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/comments?post=1000"}],"version-history":[{"count":1,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/1000\/revisions"}],"predecessor-version":[{"id":1001,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/1000\/revisions\/1001"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/media\/283"}],"wp:attachment":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/media?parent=1000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/categories?post=1000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/tags?post=1000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}