{"id":994,"date":"2023-03-31T10:09:56","date_gmt":"2023-03-31T03:09:56","guid":{"rendered":"http:\/\/kthtx.vn\/?p=994"},"modified":"2023-03-31T10:15:03","modified_gmt":"2023-03-31T03:15:03","slug":"vai-net-ve-quan-tri-tai-chinh-trong-quy-tin-dung-nhan-dan","status":"publish","type":"post","link":"https:\/\/kthtx.vn\/index.php\/2023\/03\/31\/vai-net-ve-quan-tri-tai-chinh-trong-quy-tin-dung-nhan-dan\/","title":{"rendered":"Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh trong qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n"},"content":{"rendered":"\n<p>Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh trong Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (P2P lending) l\u00e0 qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t n\u1ec1n t\u1ea3ng cho vay P2P. Nhi\u1ec7m v\u1ee5 c\u1ee7a qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t l\u00e0 an to\u00e0n v\u00e0 \u0111\u00e1ng tin c\u1eady, v\u00e0 c\u00e1c kho\u1ea3n cho vay \u0111\u00f3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd v\u00e0 thu h\u1ed3i \u0111\u00fang h\u1ea1n.<\/p>\n\n\n\n<p>C\u00e1c ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u1ee7a P2P bao g\u1ed3m ph\u00e2n t\u00edch n\u0103ng l\u1ef1c t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi vay, x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 r\u1ee7i ro, qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n cho vay, gi\u00e1m s\u00e1t c\u00e1c kho\u1ea3n n\u1ee3 v\u00e0 thu h\u1ed3i c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n. Vi\u1ec7c qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 bao g\u1ed3m c\u1ea3 vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u00e0 gi\u00e1m s\u00e1t t\u00edn d\u1ee5ng, bao g\u1ed3m vi\u1ec7c \u00e1p d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 c\u00e1c c\u00f4ng ngh\u1ec7 kh\u00e1c \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111\u01b0a ra d\u1ef1 \u0111o\u00e1n.<\/p>\n\n\n\n<p>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 m\u1ed9t quy tr\u00ecnh qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u00e1ng tin c\u1eady \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ea3o m\u1eadt v\u00e0 \u1ed5n \u0111\u1ecbnh c\u1ee7a n\u1ec1n t\u1ea3ng P2P.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>H\u1ea1ch to\u00e1n k\u1ebf to\u00e1n trong Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (P2P lending) g\u1ed3m c\u00e1c b\u01b0\u1edbc sau:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>H\u1ea1ch to\u00e1n kho\u1ea3n ti\u1ec1n k\u00eanh trung gian: Trong P2P lending, c\u00e1c kho\u1ea3n vay v\u00e0 c\u00e1c kho\u1ea3n tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n qua l\u1ea1i qua k\u00eanh trung gian. Khi ng\u01b0\u1eddi vay y\u00eau c\u1ea7u kho\u1ea3n vay, ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n k\u00eanh trung gian c\u1ee7a P2P v\u00e0 sau \u0111\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn t\u00e0i kho\u1ea3n ng\u01b0\u1eddi vay. Ng\u01b0\u1ee3c l\u1ea1i, khi ng\u01b0\u1eddi vay tr\u1ea3 n\u1ee3, ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n k\u00eanh trung gian v\u00e0 sau \u0111\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi cho vay. Do \u0111\u00f3, c\u00e1c kho\u1ea3n ti\u1ec1n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n \u0111\u00fang c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c v\u00e0 minh b\u1ea1ch.<\/li><li>H\u1ea1ch to\u00e1n kho\u1ea3n ph\u00ed: P2P lending th\u01b0\u1eddng thu ph\u00ed t\u1eeb c\u1ea3 ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay. C\u00e1c kho\u1ea3n ph\u00ed n\u00e0y bao g\u1ed3m ph\u00ed d\u1ecbch v\u1ee5, ph\u00ed tr\u1ec5 h\u1ea1n, ph\u00ed x\u1eed l\u00fd v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed kh\u00e1c. C\u00e1c kho\u1ea3n ph\u00ed n\u00e0y c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n \u0111\u00fang c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n thu nh\u1eadp c\u1ee7a P2P lending \u0111\u01b0\u1ee3c ghi nh\u1eadn \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c.<\/li><li>H\u1ea1ch to\u00e1n kho\u1ea3n vay v\u00e0 kho\u1ea3n tr\u1ea3 n\u1ee3: Khi ng\u01b0\u1eddi vay nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay, n\u00f3 \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 kho\u1ea3n ti\u1ec1n ph\u1ea3i tr\u1ea3 v\u00e0 \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 m\u1ed9t kho\u1ea3n n\u1ee3 trong s\u1ed5 s\u00e1ch c\u1ee7a ng\u01b0\u1eddi vay. Ng\u01b0\u1ee3c l\u1ea1i, khi ng\u01b0\u1eddi vay tr\u1ea3 n\u1ee3, kho\u1ea3n n\u1ee3 s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m \u0111i v\u00e0 \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 m\u1ed9t kho\u1ea3n thu nh\u1eadp trong s\u1ed5 s\u00e1ch c\u1ee7a ng\u01b0\u1eddi cho vay.<\/li><\/ol>\n\n\n\n<p>Qu\u00e1 tr\u00ecnh h\u1ea1ch to\u00e1n k\u1ebf to\u00e1n trong P2P lending c\u1ea7n ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh k\u1ebf to\u00e1n c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a P2P lending l\u00e0 ch\u00ednh x\u00e1c v\u00e0 minh b\u1ea1ch<\/p>\n\n\n\n<p>(Ths Nguy\u1ec5n Tr\u1ecdng \u0110\u00f4ng)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh trong Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (P2P lending) l\u00e0 qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t n\u1ec1n t\u1ea3ng cho vay P2P. Nhi\u1ec7m v\u1ee5 c\u1ee7a qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t l\u00e0 an to\u00e0n v\u00e0 \u0111\u00e1ng tin c\u1eady, &hellip; <\/p>\n","protected":false},"author":1,"featured_media":927,"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":[83,9],"tags":[144,143],"class_list":["post-994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ke-toan","category-quan-tri-tai-chinh","tag-hach-toan-ke-toan-quy-tin-dung","tag-tai-chinh-quy-tin-dung-nhan-dan","grid-sizer"],"_links":{"self":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/994","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=994"}],"version-history":[{"count":3,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/994\/revisions"}],"predecessor-version":[{"id":997,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/994\/revisions\/997"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/media\/927"}],"wp:attachment":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/media?parent=994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/categories?post=994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/tags?post=994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}