{"id":4390,"date":"2020-06-11T16:21:59","date_gmt":"2020-06-11T09:21:59","guid":{"rendered":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/?p=4390"},"modified":"2022-10-15T22:47:43","modified_gmt":"2022-10-15T15:47:43","slug":"nhan-dien-nhung-lua-dao-tai-chinh-da-cap-nup-bong-app-thuong-mai-dien-tu-tu-lua-dao-tai-chinh-ponzi-den-cac-app-than-ky-thoi-4-0","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/nhan-dien-nhung-lua-dao-tai-chinh-da-cap-nup-bong-app-thuong-mai-dien-tu-tu-lua-dao-tai-chinh-ponzi-den-cac-app-than-ky-thoi-4-0\/","title":{"rendered":"Nh\u1eadn di\u1ec7n nh\u1eefng l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh \u0111a c\u1ea5p n\u00fap b\u00f3ng APP th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed – T\u1eeb l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh PONZI \u0111\u1ebfn c\u00e1c APP th\u1ea7n k\u1ef3 th\u1eddi 4.0"},"content":{"rendered":"

Charles Ponzi cha \u0111\u1ebb c\u1ee7a m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh Ponzi l\u00e0 ng\u01b0\u1eddi M\u1ef9 g\u1ed1c \u00dd. L\u00e0 m\u1ed9t ng\u01b0\u1eddi m\u00ea ti\u1ec1n v\u00e0 m\u01b0u m\u00f4 cao, Ponzi lu\u00f4n t\u00ecm c\u00e1ch \u0111\u1ec3 l\u00e0m ra ti\u1ec1n nhi\u1ec1u nh\u1ea5t v\u00e0 nhanh nh\u1ea5t. N\u0103m 1919, Ponzi t\u00ecm ra \u0111\u01b0\u1ee3c 1 c\u00e1ch ki\u1ebfm ti\u1ec1n hi\u1ec7u qu\u1ea3 \u0111\u00f3 l\u00e0 \u0111\u1ea7u c\u01a1 ch\u00eanh l\u1ec7ch tr\u00ean tem b\u01b0u ch\u00ednh qu\u1ed1c t\u1ebf. \u00d4ng ta thu\u00ea c\u00e1c \u0111\u1ea1i l\u00ed mua phi\u1ebfu h\u1ed3i \u0111\u00e1p qu\u1ed1c t\u1ebf (IRC – International Reply Coupon) gi\u00e1 r\u1ebb \u1edf c\u00e1c qu\u1ed1c gia kh\u00e1c v\u00e0 g\u1eedi t\u1edbi M\u1ef9. Sau \u0111\u00f3, \u00f4ng ta s\u1ebd \u0111\u1ed5i l\u1ea5y tem v\u00e0 b\u00e1n l\u1ea1i tem gi\u00e1 cao h\u01a1n \u1edf M\u1ef9 \u0111\u1ec3 ki\u1ebfm l\u1eddi.
\nPonzi th\u00e0nh c\u00f4ng r\u1ef1c r\u1ee1 trong phi v\u1ee5 n\u00e0y v\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c b\u1ed9n ti\u1ec1n. Th\u1ebf nh\u01b0ng Ponzi tr\u1edf n\u00ean tham lam, v\u00e0 b\u1eaft \u0111\u1ea7u d\u1ef1ng l\u00ean m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o Ponzi.<\/p>\n

\u00d4ng ta ph\u00f3ng \u0111\u1ea1i s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a vi\u1ec7c mua b\u00e1n tem h\u1ed3i \u0111\u00e1p qu\u1ed1c t\u1ebf \u0111\u1ec3 chi\u00eau d\u1ee5 nh\u00e0 \u0111\u1ea7u t\u01b0. \u00d4ng ta vay ti\u1ec1n nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1eb1ng c\u00e1ch ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu v\u00e0 cam k\u1ebft s\u1ebd tr\u1ea3 50% s\u1ed1 ti\u1ec1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trong v\u00f2ng 45 ng\u00e0y ho\u1eb7c 100% trong 90 ng\u00e0y. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i qu\u00e1 cao, v\u00e0 v\u00ec th\u1ebf \u0111\u00e3 l\u00e0m nhi\u1ec1u ng\u01b0\u1eddi tr\u1edf n\u00ean tham lam, \u0111\u1ebfn m\u1ee9c “\u0111i\u00ean r\u1ed3”. K\u1ebft qu\u1ea3 l\u00e0 ch\u1ec9 trong hai n\u0103m 1919-1920, Ponzi \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c 15 tri\u1ec7u USD m\u1ed9t con s\u1ed1 kh\u1ed5ng l\u1ed3 v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3 t\u1eeb h\u01a1n 40.000 kh\u00e1ch h\u00e0ng. Th\u00e1ng 8\/1920, Ponzi b\u1eaft \u0111\u1ea7u tr\u1ea3 l\u00e3i ch\u1eadm, kh\u00f4ng theo \u0111\u00fang cam k\u1ebft. C\u1ea3nh s\u00e1t li\u00ean bang \u0111\u00e3 \u0111\u1ed9t k\u00edch kh\u00e1m x\u00e9t v\u0103n ph\u00f2ng c\u00f4ng ty \u00f4ng v\u00e0 ph\u00e1t hi\u1ec7n ra, \u00f4ng ta kh\u00f4ng d\u00f9ng ti\u1ec1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 mua b\u00e1n tem IRC, m\u00e0 d\u00f9ng ti\u1ec1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 sau tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc, theo \u0111\u00fang c\u00e2u “robbing Peter to pay Paul”
\nV\u00e0 Pozin t\u00ean \u00f4ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1eb7t cho nh\u1eefng m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh.<\/p>\n

M\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o PONZI \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 m\u1ed9t d\u1ea1ng l\u1eeba \u0111\u1ea3o t\u00edn d\u1ee5ng huy \u0111\u1ed9ng v\u1ed1n theo h\u00ecnh th\u1ee9c \u0111a c\u1ea5p l\u1ea5y ti\u1ec1n huy \u0111\u1ed9ng c\u1ee7a ng\u01b0\u1eddi g\u00f3p v\u1ed1n sau \u0111\u1ec3 tr\u1ea3 l\u00e3i cho ng\u01b0\u1eddi g\u00f3p v\u1ed1n tr\u01b0\u1edbc \u0111\u00f3.
\nNg\u01b0\u1eddi huy \u0111\u1ed9ng v\u1ed1n s\u1ebd “v\u1ebd” l\u00ean 1 d\u1ef1 \u00e1n, 1 doanh nghi\u1ec7p kinh doanh hi\u1ec7u qu\u1ea3, v\u00e0 \u0111ang c\u1ea7n huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 ph\u00e1t tri\u1ec3n. Ng\u01b0\u1eddi huy \u0111\u1ed9ng v\u1ed1n cam k\u1ebft tr\u1ea3 m\u1ee9c l\u00e3i su\u1ea5t cao cho nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 s\u1ebd d\u00f9ng nh\u1eefng v\u00ed d\u1ee5 v\u1ec1 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e3 nh\u1eadn l\u00e3i cao, \u0111\u1ec3 ti\u1ebfp t\u1ee5c chi\u00eau d\u1ee5 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi.<\/p>\n

Ng\u01b0\u1eddi huy \u0111\u1ed9ng v\u1ed1n s\u1ebd tr\u1ea3 hoa h\u1ed3ng r\u1ea5t cao cho nh\u1eefng ng\u01b0\u1eddi gi\u1edbi thi\u1ec7u nh\u00e0 \u0111\u1ea7u t\u01b0. Ng\u01b0\u1eddi gi\u1edbi thi\u1ec7u c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, m\u00e0 c\u0169ng c\u00f3 th\u1ec3 l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0. T\u1ee9c l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169 gi\u1edbi thi\u1ec7u nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi v\u00e0 h\u01b0\u1edfng hoa h\u1ed3ng t\u1eeb vi\u1ec7c gi\u1edbi thi\u1ec7u \u0111\u00f3. V\u00ec th\u1ebf ng\u01b0\u1eddi ta c\u00f2n g\u1ecdi m\u00f4 h\u00ecnh l\u1eeba \u0111\u00e0o n\u00e0y l\u00e0 m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh \u0111a c\u1ea5p Ponzi.<\/p>\n

K\u1ec3 t\u1eeb khi ra \u0111\u1eddi n\u0103m 1919, cho \u0111\u1ebfn nay, nh\u1eefng m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh ki\u1ec3u Ponzi li\u00ean t\u1ee5c ph\u00e1t tri\u1ec3n \u1edf t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia. M\u1ed9t trong nh\u1eefng m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi, cho \u0111\u1ebfn nay l\u00e0 v\u1ee5 gian l\u1eadn t\u00e0i ch\u00ednh c\u1ee7a \u00f4ng Bernard L. Madoff v\u1edbi s\u1ed1 ti\u1ec1n l\u00ean \u0111\u1ebfn 50 t\u1ef7 \u0111\u00f4 la M\u1ef9.<\/p>\n

\u1ede Vi\u1ec7t Nam, c\u00e1c m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o ki\u1ec3u Ponzi c\u0169ng li\u00ean t\u1ee5c l\u00e0m m\u01b0a l\u00e0m gi\u00f3. T\u00ecm tr\u00ean Google ch\u00fang ta s\u1ebd th\u1ea5y r\u1ea5t nhi\u1ec1u v\u1ee5. B\u1ea3n th\u00e2n ng\u01b0\u1eddi vi\u1ebft \u0111\u00e3 tham gia g\u00f3p ph\u1ea5n v\u1ea1ch tr\u1ea7n nh\u1eefng v\u1ee5 nh\u01b0: m\u1ecf v\u00e0ng Insider 21, ti\u1ec1n \u1ea3o One Coin, m\u00e1y \u0111\u00e0o ti\u1ec1n \u1ea3o Sky Mining\u2026<\/p>\n

G\u1ea7n \u0111\u00e2y, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7, c\u00e1c d\u1ef1 \u00e1n l\u1eeba \u0111\u1ea3o theo m\u00f4 h\u00ecnh Ponzi ng\u00e0y c\u00e0ng n\u1edf r\u1ed9, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c App th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed m\u00e0 t\u00f4i g\u1ecdi l\u00e0 d\u1ef1 \u00e1n “App th\u1ea7n k\u1ef3 th\u1eddi 4.0”
\n\u0110\u00e2y l\u00e0 nh\u1eefng app d\u00f9ng m\u00f4 h\u00ecnh s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u0111\u1ec3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi mua v\u1edbi ng\u01b0\u1eddi b\u00e1n, v\u00e0 \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c ho\u00e0n ti\u1ec1n kh\u1ee7ng cho ng\u01b0\u1eddi mua.
\n\u0110\u00edch nh\u1eafm c\u1ee7a nh\u1eefng “App th\u1ea7n k\u1ef3 th\u1eddi 4.00” l\u00e0 k\u00eau g\u1ecdi nh\u00e0 \u0111\u1ea7u t\u01b0 g\u00f3p ti\u1ec1n \u0111\u1ea7u t\u01b0, ho\u1eb7c cho App vay, v\u1edbi l\u00e3i su\u1ea5t c\u1ef1c k\u1ef3 cao. “App th\u1ea7n k\u1ef3 th\u1eddi 4.00” s\u1ebd d\u00f9ng ti\u1ec1n nh\u00e0 \u0111\u1ea7u t\u01b0 sau tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc.
\n“App th\u1ea7n k\u1ef3 th\u1eddi 4.00”, c\u0169ng nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh tr\u01b0\u1edbc \u0111\u00e2y, s\u1ebd ch\u1ebft khi l\u01b0\u1ee3ng ti\u1ec1n ng\u01b0\u1eddi sau kh\u00f4ng \u0111\u1ee7 cho nh\u1eefng ng\u01b0\u1eddi tr\u01b0\u1edbc, ho\u1eb7c khi s\u00e1ng l\u1eadp App r\u00fat ti\u1ec1n v\u00e0 im l\u1eb7ng bi\u1ebfn m\u1ea5t.<\/p>\n

APP TH\u1ea6N K\u1ef2 TH\u1edcI 4.0 “H\u1ed2 BI\u1ebeN” RA TI\u1ec0N !<\/strong><\/p>\n

\"\"<\/p>\n

Ch\u00fang ta h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a c\u00e1c App Th\u1ea7n k\u1ef3 th\u1eddi 4.0.
\n\u0110\u00e2y l\u00e0 c\u00f4ng th\u1ee9c \u0111\u1ec3 t\u00ednh k\u1ebft qu\u1ea3 kinh doanh. N\u00f3 \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 doanh nghi\u1ec7p.
\n\u0110\u1ea7u ti\u00ean b\u1eaft \u0111\u1ea7u v\u1edbi doanh thu g\u1ed9p, t\u1ee9c l\u00e0 to\u00e0n b\u1ed9 doanh s\u1ed1 thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c lo\u1ea1i kh\u00e1ch h\u00e0ng. Kh\u1ea5u tr\u1eeb c\u00e1c khuy\u1ebfn m\u1ea1i, gi\u1ea3m gi\u00e1 tr\u1ef1c ti\u1ebfp ch\u00fang ta s\u1ebd c\u00f3 doanh thu thu\u1ea7n.
\nL\u1ea5y doanh thu thu\u1ea7n tr\u1eeb \u0111i gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5 – l\u00e0 nh\u1eefng chi ph\u00ed c\u1ea5u th\u00e0nh ra s\u1ea3n ph\u1ea9m \u2013 ch\u00fang ta s\u1ebd c\u00f3 l\u1ee3i nhu\u1eadn g\u1ed9p.<\/p>\n

Ti\u1ebfp \u0111\u00f3 ch\u00fang ta tr\u1eeb \u0111i 2 nh\u00f3m chi ph\u00ed l\u1edbn. Nh\u00f3m 1 l\u00e0 chi ph\u00ed b\u00e1n h\u00e0ng, ti\u1ebfp th\u1ecb, g\u1ed3m t\u1ea5t c\u1ea3 nh\u1eefng chi ph\u00ed li\u00ean quan \u0111\u1ebfn vi\u1ec7c kinh doanh ti\u1ebfp th\u1ecb nh\u01b0 chi ph\u00ed qu\u1ea3ng c\u00e1o, l\u01b0\u01a1ng v\u00e0 ti\u1ec1n th\u01b0\u1edfng cho nh\u00e2n vi\u00ean kinh doanh.
\nNh\u00f3m 2 l\u00e0 chi ph\u00ed qu\u1ea3n l\u00fd doanh nghi\u1ec7p g\u1ed3m t\u1ea5t c\u1ea3 nh\u1eefng chi ph\u00ed ph\u00e1t sinh trong k\u1ef3 v\u00ed d\u1ee5 nh\u01b0 thu\u00ea v\u0103n ph\u00f2ng, l\u01b0\u01a1ng, kh\u1ea5u hao t\u00e0i s\u1ea3n, c\u00e1c lo\u1ea1i chi ph\u00ed v\u1eadn h\u00e0nh.
\nL\u1ee3i nhu\u1eadn g\u1ed9p tr\u1eeb \u0111i 2 nh\u00f3m chi ph\u00ed \u0111\u00f3 s\u1ebd ra l\u1ee3i nhu\u1eadn r\u00f2ng tr\u01b0\u1edbc thu\u1ebf. N\u1ebfu s\u1ed1 n\u00e0y \u00e2m th\u00ec g\u1ecdi l\u00e0 l\u1ed7 r\u00f2ng, doanh nghi\u1ec7p kh\u00f4ng ph\u1ea3i \u0111\u00f3ng thu\u1ebf. N\u1ebfu s\u1ed1 n\u00e0y d\u01b0\u01a1ng, th\u00ec doanh nghi\u1ec7p \u0111\u00f3ng thu\u1ebf thu nh\u1eadp. Sau khi \u0111\u00f3ng thu\u1ebf, ch\u00fang ta s\u1ebd c\u00f3 l\u1ee3i nhu\u1eadn r\u00f2ng sau thu\u1ebf.
\nL\u1ee3i nhu\u1eadn r\u00f2ng n\u00e0y sau khi tr\u00edch qu\u1ef9 t\u00e1i \u0111\u1ea7u t\u01b0 cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a doanh nghi\u1ec7p v\u00e0o c\u00e1c n\u0103m sau, s\u1ebd tr\u1edf th\u00e0nh l\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 chia c\u1ed5 t\u1ee9c, ho\u1eb7c l\u1ee3i nhu\u1eadn gi\u1eef l\u1ea1i.<\/p>\n

H\u1ea7u h\u1ea5t c\u1ea3 nh\u1eefng s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed qu\u1ed1c t\u1ebf nh\u01b0 Amazon, ho\u1eb7c s\u00e0n qu\u1ed1c t\u1ebf t\u1ea1i Vi\u1ec7t Nam nh\u01b0 Lazada, Shopee, ho\u1eb7c s\u00e0n n\u1ed9i \u0111\u1ecba nh\u01b0 TIKI, SENDO \u0111\u1ec1u ph\u1ea3i l\u1ed7 trong nhi\u1ec1u n\u0103m \u0111\u1ea7u. L\u00fd do l\u00e0, v\u00ec c\u00e1c lo\u1ea1i chi ph\u00ed, \u0111\u1eb7c bi\u1ec7t l\u00e0 chi ph\u00ed marketing qu\u00e1 l\u1edbn. C\u00e1c doanh nghi\u1ec7p ph\u1ea3i n\u00e2ng ti\u1ec1n Marketing \u0111\u1ec3 thu h\u00fat (acquire) kh\u00e1ch h\u00e0ng, v\u00e0 marketing \u0111\u1ec3 nh\u1eafc, th\u00fac \u0111\u1ea9y kh\u00e1ch h\u00e0ng mua h\u00e0ng. H\u1ea7u nh\u01b0 ch\u01b0a c\u00f3 s\u00e0n TM\u0110T n\u00e0o c\u00f3 l\u1ee3i nhu\u1eadn trong 5 n\u0103m \u0111\u1ea7u. \u0110\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n, c\u00e1c s\u00e0n TM\u0110T n\u00e0y li\u00ean t\u1ee5c k\u00eau g\u1ecdi v\u1ed1n \u0111\u1ea7u t\u01b0. S\u00e0n TM\u0110T s\u1ebd ng\u1eebng l\u1ed7 khi n\u00f3 chi\u1ebfm l\u0129nh th\u1ecb tr\u01b0\u1eddng, c\u00f3 s\u1ed1 l\u01b0\u1ee3ng l\u1edbn user v\u00e0 kh\u00f4ng b\u1ecb \u00e1p l\u1ef1c n\u1eb7ng v\u1ec1 c\u1ea1nh tranh.<\/p>\n

C\u00f2n c\u00e1c app “th\u1ea7n k\u1ef3 \u0111\u1eddi 4.0” th\u00ec sao?
\nNgo\u00e0i c\u00e1c chi ph\u00ed t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1c s\u00e0n TM\u0110T ch\u00ednh quy n\u00f3i tr\u00ean, th\u00ec c\u00e1c App “Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0” c\u00f2n c\u00f3 1 chi ph\u00ed \u0111\u1eb7c bi\u1ec7t \u0111\u00f3 l\u00e0 chi ph\u00ed ho\u00e0n ti\u1ec1n cho kh\u00e1ch. H\u1ecd cam k\u1ebft, trong th\u1eddi gian 5 n\u0103m, s\u1ebd ho\u00e0n \u0111\u1ebfn 80% doanh s\u1ed1 mua h\u00e0ng c\u1ee7a kh\u00e1ch.
\nCh\u00fang ta th\u1eed t\u00ednh chi ph\u00ed n\u00e0y b\u1eb1ng bao nhi\u00eau ph\u1ea7n tr\u0103m doanh thu c\u1ee7a App.<\/p>\n

Gi\u1ea3 s\u1eed kh\u00e1ch h\u00e0ng mua 100 \u0111\u1ed3ng t\u1eeb 1 c\u1eeda h\u00e0ng n\u00e0o \u0111\u00f3 tr\u00ean App “Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0”. Doanh thu m\u00e0 App \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh l\u00e0 t\u1eeb hoa h\u1ed3ng, v\u00e0 ph\u00ed do ng\u01b0\u1eddi b\u00e1n \u0111\u00f3ng g\u00f3p. Gi\u1ea3 s\u1eed kho\u1ea3n hoa h\u1ed3ng v\u00e0 ph\u00ed n\u00e0y c\u1ee7a App l\u00e0 r\u1ea5t t\u1ed1t, l\u00ean \u0111\u1ebfn 30%. T\u1ee9c l\u00e0 App \u0111\u01b0\u1ee3c h\u01b0\u1edfng 30 \u0111\u1ed3ng t\u1eeb 100 \u0111\u1ed3ng mua h\u00e0ng c\u1ee7a kh\u00e1ch.
\nB\u00e2y gi\u1edd ch\u00fang ta t\u00ednh gi\u00e1 tr\u1ecb c\u1ee7a 80 \u0111\u1ed3ng m\u00e0 App cam k\u1ebft s\u1ebd ho\u00e0n kh\u00e1ch h\u00e0ng trong v\u00f2ng 60 th\u00e1ng. Ch\u00fang ta s\u1ebd chi\u1ebft kh\u1ea5u, t\u1ee9c l\u00e0 t\u00ednh gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i c\u1ee7a s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i, theo c\u00f4ng th\u1ee9c sau. Gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i = Gi\u00e1 tr\u1ecb t\u01b0\u01a1ng lai\/(1+l\u00e3i su\u1ea5t)s\u1ed1 k\u1ef3
\nGi\u1ea3 s\u1eed r\u1eb1ng l\u00e3i su\u1ea5t l\u00e0 24%\/n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1,81%\/th\u00e1ng, th\u00ec 2 \u0111\u1ed3ng \u0111\u01b0\u1ee3c tr\u1ea3 v\u00e0o n\u0103m 1, s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i l\u00e0 = 2\/(1+1,81)1 = 1,964 \u0111\u1ed3ng, 1 \u0111\u1ed3ng \u0111\u01b0\u1ee3c tr\u1ea3 v\u00e0o th\u00e1ng th\u1ee9 40, s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i = 1\/(1+1,81%)40 = 0,488 \u0111\u1ed3ng.<\/p>\n

T\u1ed5ng gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i c\u1ee7a 80 \u0111\u1ed3ng tr\u1ea3 l\u1ea1i n\u00e0y, b\u1eb1ng 50,48 \u0111\u1ed3ng.
\nN\u00f3i 1 c\u00e1ch kh\u00e1c, khi c\u00f3 1 kh\u00e1ch h\u00e0ng mua 100 \u0111\u1ed3ng t\u1eeb App “Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0” th\u00ec App th\u1ea7n k\u1ef3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng doanh s\u1ed1 30 \u0111\u1ed3ng, v\u00e0 ph\u1ea3i tr\u1ea3 kho\u1ea3n ho\u00e0n ph\u00ed cho kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 50 \u0111\u1ed3ng. App l\u1ed7 ngay l\u1eadp t\u1ee9c -20 \u0111\u1ed3ng.
\n\u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 c\u00e1c chi ph\u00ed sales, marketing, v\u1eadn h\u00e0nh, qu\u1ea3n l\u00fd doanh nghi\u1ec7p m\u00e0 t\u00f4i \u0111\u00e3 li\u1ec7t k\u00ea b\u00ean tr\u00ean, c\u0169ng r\u1ea5t l\u1edbn.
\nC\u00e1c s\u00e0n TM\u0110T h\u00e0ng \u0111\u1ea7u kh\u00f4ng ho\u00e0n ph\u00ed cho kh\u00e1ch m\u00e0 c\u00f2n l\u1ed7 n\u1eb7ng.<\/p>\n

Th\u00ec App “Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0”, ho\u00e0n ph\u00ed kh\u1ee7ng nh\u01b0 th\u1ebf th\u00ec ch\u1ec9 t\u1eeb l\u1ed7 \u0111\u1ebfn l\u1ed7. B\u00e0i to\u00e1n kinh doanh c\u1ee7a App “Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0” xem nh\u01b0 kh\u00f4ng c\u00f3 l\u1ed1i ra n\u00e0o c\u1ea3.
\nV\u1eadn h\u00e0nh kinh doanh th\u00ec l\u1ed7 n\u1eb7ng th\u00ec ti\u1ec1n \u0111\u1ea7u m\u00e0 c\u00e1c App th\u1ea7n k\u1ef3 th\u1eddi 4.0 tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e2u tr\u1ea3 l\u1eddi kh\u00f4ng c\u00f2n g\u00ec kh\u00e1c h\u01a1n, \u0111\u00f3 ch\u00ednh l\u00e0 chi\u00eau th\u1ee9c ph\u1ed5 bi\u1ebfn c\u1ee7a Ponzi: “robbing Peter to pay Paul” t\u1ee9c l\u00e0 l\u1ea5y ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi sau tr\u1ea3 cho ng\u01b0\u1eddi tr\u01b0\u1edbc.<\/p>\n

APP “TH\u1ea6N K\u1ef2 \u0110\u1edcI 4.0” K\u00caU G\u1eccI V\u1ed0N M\u00c0 NH\u01af \u0110I B\u00c1N RAU !<\/strong><\/p>\n

\u0110\u1ec3 c\u00f3 th\u1ec3 k\u00eau g\u1ecdi v\u1ed1n \u0111\u1ea7u t\u01b0 t\u1eeb c\u00e1c qu\u1ef9, c\u00e1c “\u0111\u1ea1i gia”, c\u00e1c startup ph\u1ea3i tr\u00ecnh b\u00e0y b\u1ea3ng k\u1ebf ho\u1ea1ch kinh doanh chi ti\u1ebft, trong \u0111\u00f3 chi ti\u1ebft r\u00f5 h\u1ecd \u0111\u00e3 kinh doanh nh\u01b0 th\u1ebf n\u00e0o trong qu\u00e1 kh\u1ee9 v\u00e0 hi\u1ec7n t\u1ea1i, k\u1ebf ho\u1ea1ch t\u01b0\u01a1ng lai nh\u01b0 th\u1ebf n\u00e0o. M\u1ecdi con s\u1ed1 \u0111\u1ec1u ph\u1ea3i r\u1ea5t r\u00f5 r\u00e0ng. C\u00e1c qu\u1ef9, c\u00e1c \u0111\u1ea1i gia, nghi\u00ean c\u1ee9u r\u1ea5t k\u1ef9 m\u1edbi ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.
\n\u0110\u1ec3 c\u00f3 th\u1ec3 k\u00eau g\u1ecdi v\u1ed1n t\u1eeb c\u00f4ng ch\u00fang, k\u00eau g\u1ecdi v\u1ed1n tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n<\/a>, th\u00ec c\u00e1c doanh nghi\u1ec7p – \u0111\u1ea1t \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng, v\u1ec1 l\u1ee3i nhu\u1eadn \u2013 ph\u1ea3i ph\u00e1t h\u00e0nh b\u1ea3n c\u00e1o b\u1ea1ch r\u1ea5t chi ti\u1ebft v\u1ec1 t\u00ecnh h\u00ecnh doanh nghi\u1ec7p, ch\u1ee7 s\u1edf h\u1eefu, ban gi\u00e0m \u0111\u1ed1c, k\u1ebft qu\u1ea3 kinh doanh trong qu\u00e1 kh\u1ee9, k\u1ebf ho\u1ea1ch kinh doanh trong t\u01b0\u01a1ng lai, nh\u1eefng r\u1ee7i ro\u2026\u0110\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u1ec1u ph\u1ea3i c\u00f3 ki\u1ec3m to\u00e1n.<\/p>\n

\u0110\u1ec3 c\u00f3 th\u1ec3 vay v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng, c\u00e1c doanh nghi\u1ec7p ph\u1ea3i l\u00e0m b\u1ed9 h\u1ed3 s\u01a1 chi ti\u1ebft, v\u00e0 \u0111a ph\u1ea7n ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n.
\n\u1ea4y v\u1eady m\u00e0, c\u00e1c APP “TH\u1ea6N K\u1ef2 \u0110\u1edcI 4.0” ch\u1eb3ng c\u1ea7n ph\u1ea3i tr\u00ecnh b\u00e0y, b\u00e1o c\u00e1o m\u1ed9t k\u1ebf ho\u1ea1ch kinh doanh n\u00e0o, kh\u00f4ng b\u00e1o c\u00e1o b\u1ea5t c\u1ee9 s\u1ed1 li\u1ec7u n\u00e0o. Ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 m\u1ed9t b\u1ea3n b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n n\u00e0o c\u1ea3.<\/p>\n

C\u00e1c APP “TH\u1ea6N K\u1ef2 \u0110\u1edcI 4.0” ho\u00e0n to\u00e0n kh\u00f4ng n\u00f3i g\u00ec v\u1ec1 vi\u1ec7c h\u1ecd \u0111\u00e3 v\u00e0 s\u1ebd v\u1eadn h\u00e0nh kinh doanh nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd \u0111\u1ed3ng ti\u1ec1n v\u1ed1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 sinh l\u1ee3i tr\u00ean \u0111\u1ed3ng v\u1ed1n. M\u00e0 \u0111\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t, l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 quy\u1ebft \u0111\u1ecbnh nh\u01b0ng h\u1ecd l\u1ea1i l\u01a1 kh\u00f4ng n\u00f3i g\u00ec.
\nM\u00e0 thay v\u00e0o \u0111\u00f3 h\u1ecd n\u00f3i v\u1ec1 m\u1ee9c ho\u00e0n ti\u1ec1n kh\u1ee7ng cho kh\u00e1ch, v\u1ec1 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn r\u1ea5t cao cho nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 \u0111\u00e1nh v\u00e0o l\u00f2ng tham, s\u1ef1 \u0111i\u00ean r\u1ed3 ti\u1ec1n b\u1ea1c c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e1c APP “TH\u1ea6N K\u1ef2 \u0110\u1edcI 4.0” d\u00f9ng nh\u1eefng c\u1ee5m t\u1eeb b\u00ed \u1ea9n th\u1eddi 4.0, v\u00e0 nh\u1eefng t\u1eeb ng\u1eef \u1ea3o di\u1ec7u, hoa m\u1ef9, d\u00f9ng nh\u1eefng c\u00e1ch t\u00ednh ti\u1ec1n, l\u1ee3i nhu\u1eadn r\u1eafc r\u1ed1i \u0111\u1ec3 kh\u1ecfa l\u1ea5p n\u1ed9i dung quan tr\u1ecdng nh\u1ea5t: H\u1ecd kinh doanh nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 t\u1ea1o ra gi\u00e1 tr\u1ecb, \u0111\u1ec3 ti\u1ec1n sinh ra ti\u1ec1n v\u1edbi m\u1ee9c kh\u1ee7ng nh\u01b0 v\u1eady?<\/p>\n

NH\u1eacP NH\u1eb0NG \u0110\u00c1NH L\u1eacN CON \u0110EN<\/strong><\/p>\n

N\u1ebfu c\u00e1c doanh nghi\u1ec7p nghi\u00eam t\u00fac, startup \u0111\u00e0ng ho\u00e0ng c\u00f3 nh\u1eefng th\u00f4ng tin ch\u00ednh th\u1ee9c v\u1ec1 , gi\u1ea5y ph\u00e9p c\u00f4ng ty, tr\u1ee5 s\u1edf, nh\u1eefng ng\u01b0\u1eddi s\u00e1ng l\u1eadp, h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, Ban gi\u00e1m \u0111\u1ed1c \u2026tr\u00ean website, tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea1i ch\u00fang th\u00ec c\u00e1c “App th\u1ea7n k\u1ef3 \u0111\u1eddi 4.0” ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 th\u00f4ng tin r\u00f5 r\u00e0ng v\u00e0 ch\u00ednh th\u1ee9c. H\u1ecd d\u1ef1ng c\u00e1c website v\u00e0 youtube v\u1ec7 tinh \u0111\u1ec3 \u0111\u00e1nh b\u00f3ng th\u01b0\u01a1ng hi\u1ec7u, \u0111\u01b0a th\u00f4ng tin chi\u00eau d\u1ee5 kh\u00e1ch h\u00e0ng.
\nH\u1ecd c\u1ed1 t\u00ecnh d\u00f9ng h\u00ecnh \u1ea3nh v\u00e0 t\u00ean tu\u1ed5i c\u1ee7a ng\u01b0\u1eddi c\u00f3 uy t\u00edn, ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng theo c\u00e1ch m\u1eadp m\u1edd, \u0111\u00e1nh l\u1eadn con \u0111en. H\u1ecd m\u1eddi nh\u1eefng ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng, c\u00f3 uy t\u00edn \u0111\u1ebfn 1 s\u1ef1 ki\u1ec7n n\u00e0o \u0111\u00f3 c\u1ee7a h\u1ecd, ch\u1ee5p h\u00ecnh c\u00f9ng logo c\u1ee7a h\u1ecd\u2026 r\u1ed3i h\u1ecd “ch\u1ebf bi\u1ebfn” nh\u1eefng h\u00ecnh \u1ea3nh c\u1ee7a nh\u1eefng ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng n\u00e0y \u0111\u1ec3 PR \u0111\u1ec3 “d\u1ee5 d\u1ed7” ng\u01b0\u1eddi thi\u1ebfu hi\u1ec3u bi\u1ebft. C\u00e2u c\u1eeda mi\u1ec7ng c\u1ee7a c\u00e1c t\u00edn \u0111\u1ed3 “l\u00e0 App n\u00e0y c\u1ee7a \u00f4ng A, \u00f4ng B c\u1ef1c uy t\u00edn”, ho\u1eb7c “App n\u00e0y l\u00e0 c\u1ee7a \u00f4ng C \u0111em v\u1ec1 Vi\u1ec7t Nam”, ho\u1eb7c “c\u1ea3 th\u1ebf gi\u1edbi d\u00f9ng app n\u00e0y m\u00e0 lo g\u00ec”.<\/p>\n

NH\u1eeeNG T\u00cdN \u0110\u1ed2 C\u1ee6A APP “TH\u1ea6N K\u1ef2 \u0110\u1edcI 4.0”<\/strong><\/p>\n

Ph\u00e2n t\u00edch nh\u01b0 tr\u00ean, ch\u00fang ta th\u1ea5y r\u00f5 nh\u1eefng sai tr\u00e1i r\u00f5 r\u00e0ng c\u1ee7a “App th\u1ea7n k\u1ef3 \u0111\u1eddi 4.0” th\u1ebf nh\u01b0ng n\u00f3 v\u1eabn m\u00ea ho\u1eb7c \u0111\u01b0\u1ee3c nhi\u1ec1u t\u00edn \u0111\u1ed3.<\/p>\n

Nh\u00f3m 1: Nh\u1eefng ng\u01b0\u1eddi mua h\u00e0ng v\u00e0 \u0111\u00e3 b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n v\u00e0i th\u00e1ng. H\u1ecd qu\u00e1 l\u1ee3i. Mua \u1edf \u0111\u00e2u c\u0169ng v\u1eady, mua \u1edf “App Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0” th\u00ec \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n kh\u1ee7ng. Qu\u00e1 s\u01b0\u1edbng. Th\u1ebf l\u00e0 h\u1ecd li\u00ean t\u1ee5c mua, v\u00e0 t\u1ef1 nguy\u1ec7n tr\u1edf th\u00e0nh “t\u00edn \u0111\u1ed3” c\u1ee7a “App Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0”, lu\u00f4n tuy\u00ean truy\u1ec1n v\u1ec1 s\u1ef1 k\u1ef3 di\u1ec7u c\u1ee7a “App Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0”. M\u1ed9t th\u1eddi gian ng\u1eafn sau, h\u1ecd s\u1ebd t\u1eeb t\u1eeb bi\u1ebfn b\u1ea3n th\u00e2n m\u00ecnh t\u1eeb ng\u01b0\u1eddi mua tr\u1edf th\u00e0nh nh\u00e0 \u0111\u1ea7u t\u01b0. \u0110\u00f3 \u0111\u00fang l\u00e0 k\u1ecbch b\u1ea3n m\u00e0 “App Th\u1ea7n k\u1ef3 \u0110\u1eddi 4.0” \u0111\u00e3 gi\u0103ng ra.<\/p>\n

Nh\u00f3m 2: Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 tham lam. T\u00f4i \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nh\u1eefng ng\u01b0\u1eddi b\u1ea1n c\u1ee7a t\u00f4i, c\u0169ng h\u1ecdc v\u00e0 l\u00e0m v\u1ec1 t\u00e0i ch\u00ednh, nh\u01b0ng h\u1ecd d\u1ec5 d\u00e0ng d\u00ednh b\u1eaby c\u1ee7a nh\u1eefng l\u1eeba \u0111\u1ea3o Ponzi tr\u01b0\u1edbc \u0111\u00e2y: M\u1ecf v\u00e0ng Insider 21, Ti\u1ec1n \u1ea3o OneCoin, \u0111\u00e0o ti\u1ec1n Sky Mining. H\u1ecd hi\u1ec3u bi\u1ebft m\u00e0 c\u00f2n b\u1ecb l\u00f2ng tham l\u00e0m m\u1edd m\u1eaft th\u00ec nh\u1eefng ng\u01b0\u1eddi d\u00e2n b\u00ecnh th\u01b0\u1eddng, l\u00e0m sao c\u01b0\u1ee1ng n\u1ed5i nh\u1eefng qu\u1ea3ng c\u00e1o v\u1ec1 m\u1ee9c l\u1ee3i nhu\u1eadn qu\u00e1 l\u1edbn nh\u01b0 v\u1eady.<\/p>\n

Nh\u00f3m 3: Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 s\u00e0nh s\u1ecfi, l\u1ee3i d\u1ee5ng c\u00e1c l\u1eeba \u0111\u1ea3o Ponzi \u0111\u1ec3 ki\u1ebfm ti\u1ec1n. H\u1ecd tham gia ngay l\u00fac \u0111\u1ea7u, gi\u1edbi thi\u1ec7u nhi\u1ec1u ng\u01b0\u1eddi, v\u00e0 thu v\u1ed1n + l\u1eddi v\u1ec1 nhanh, tr\u01b0\u1edbc khi h\u1ec7 th\u1ed1ng s\u1ee5p.
\nNh\u00f3m 4: L\u00e0 nh\u00f3m chuy\u00ean \u0111i gi\u1edbi thi\u1ec7u \u0111\u1ec3 ki\u1ebfm hoa h\u1ed3ng m\u00e0 kh\u00f4ng \u0111\u1ea7u t\u01b0.<\/p>\n

Nh\u00f3m n\u00e0y \u0111\u00edch th\u1ee9c l\u00e0 nh\u1eefng con di\u1ec1u h\u00e2u h\u00fat ti\u1ec1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. V\u00e0 v\u00ec th\u1ebf m\u1ed3m c\u1ee7a ch\u00fang r\u1ea5t to \u0111\u1ec3 gi\u1ea3i th\u00edch, v\u00e0 “b\u1ea3o v\u1ec7”cho d\u1ef1 \u00e1n, v\u00e0 chi\u00eau d\u1ee5 nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

NH\u1eeeNG NGUY\u00caN T\u1eaeC GI\u00daP NH\u1eacN DI\u1ec6N L\u1eeaA \u0110\u1ea2O T\u00c0I CH\u00cdNH<\/strong><\/p>\n

Trong cu\u1ed1n s\u00e1ch “T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t Nam”, t\u00f4i c\u00f3 vi\u1ebft v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ea7u t\u01b0. Theo \u0111\u00f3, tr\u01b0\u1edbc khi \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t k\u1ef3 1 d\u1ef1 \u00e1n, m\u1ed9t app n\u00e0o, ch\u00fang ta ph\u1ea3i hi\u1ec3u th\u1eadt r\u00f5 nh\u1eefng \u0111i\u1ec1u sau:<\/p>\n

– C\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ee7a d\u1ef1 \u00e1n, c\u1ee7a App \u0111\u00f3. Nh\u00e0 n\u01b0\u1edbc, ph\u00e1p lu\u1eadt c\u00f3 b\u1ea3o v\u1ec7 ch\u00fang ta hay kh\u00f4ng?
\n– “H\u1ea1ng m\u1ee9c t\u00edn d\u1ee5ng”, \u0111\u1ed9 tin c\u1eady c\u1ee7a doanh nghi\u1ec7p, c\u1ee7a nh\u1eefng ng\u01b0\u1eddi gi\u1eef ti\u1ec1n ch\u00fang ta.
\n– Nguy\u00ean t\u1eafc v\u1eadn h\u00e0nh, t\u1ea1o ra l\u1ee3i nhu\u1eadn c\u1ee7a d\u1ef1 \u00e1n, c\u1ee7a app.
\n– Nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n. C\u00e1ch gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/p>\n

C\u00e1c App th\u1ea7n k\u1ef3 th\u1eddi 4.0 \u0111\u1ec1u kh\u00f4ng th\u1ecfa m\u00e3n nh\u1eefng \u0111i\u1ec1u ki\u1ec7n b\u00ean tr\u00ean. \u0110i\u1ec1u nguy hi\u1ec3m nh\u1ea5t, l\u00e0 n\u00f3 vi ph\u1ea1m nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t: “Kh\u00f4ng bao gi\u1edd c\u00f3 m\u1ed9t b\u1eefa tr\u01b0a mi\u1ec5n ph\u00ed”. Nh\u1eefng doanh nghi\u1ec7p h\u00e0ng \u0111\u1ea7u t\u1ea1o \u0111\u01b0\u1ee3c t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao cho ng\u01b0\u1eddi ch\u1ee7 s\u1edf h\u1eefu, chia c\u1ed5 t\u1ee9c cao cho nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u01b0ng h\u1ecd kh\u00f4ng bao gi\u1edd h\u1ee9a 1 m\u1ee9c l\u1ee3i nhu\u1eadn cao v\u1edbi b\u1ea5t k\u1ef3 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0o.<\/p>\n

N\u1ebfu \u0111\u1ea7u t\u01b0 v\u00e0o doanh nghi\u1ec7p, m\u00e0 h\u1ecd h\u1ee9a ch\u1eafc ch\u1eafn l\u00e3i su\u1ea5t n\u0103m: 30%, 50%, 70%, th\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111i vay ng\u00e2n h\u00e0ng 12%-15% v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o doanh nghi\u1ec7p \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i ch\u00eanh l\u1ec7ch r\u1ea5t cao m\u00e0 kh\u00f4ng c\u00f3 1 r\u1ee7i ro n\u00e0o. \u0110i\u1ec1u n\u00e0y l\u00e0 kh\u00f4ng \u0111\u00fang theo nguy\u00ean t\u1eafc “”Kh\u00f4ng bao gi\u1edd c\u00f3 m\u1ed9t b\u1eefa tr\u01b0a mi\u1ec5n ph\u00ed”.
\nB\u1edbt tham lam, v\u00e0 ch\u1ecbu kh\u00f3 h\u1ecdc h\u1ecfi ki\u1ebfn th\u1ee9c, ng\u01b0\u1eddi d\u00e2n s\u1ebd b\u1edbt b\u1ecb s\u1eadp nh\u1eefng l\u1eeba \u0111\u1ea3o \u0111\u1ea7u t\u01b0, nh\u1eefng m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh \u0111a c\u1ea5p ki\u1ec3u Ponzi.”<\/p>\n

B\u00e0i \u0111\u00e3 \u0111\u0103ng tr\u00ean b\u00e1o Cafebiz v\u00e0\u00a0 Facebook c\u00e1 nh\u00e2n t\u00e1c gi\u1ea3.\u00a0<\/em><\/p>\n

L\u00e2m Minh Ch\u00e1nh<\/em>
\nT\u00e1c gi\u1ea3 s\u00e1ch \u201cT\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t Nam<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Charles Ponzi cha \u0111\u1ebb c\u1ee7a m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh Ponzi l\u00e0 ng\u01b0\u1eddi M\u1ef9 g\u1ed1c \u00dd. L\u00e0 m\u1ed9t ng\u01b0\u1eddi m\u00ea ti\u1ec1n v\u00e0 m\u01b0u m\u00f4 cao, Ponzi lu\u00f4n t\u00ecm c\u00e1ch…<\/p>\n","protected":false},"author":14,"featured_media":4391,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[147,143],"tags":[157,156,155,36,158,159,160],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/kien-thuc-quan-tri\/wp-content\/uploads\/2020\/06\/trang-15.jpg?fit=1945%2C1450&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4390"}],"collection":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/comments?post=4390"}],"version-history":[{"count":0,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4390\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media\/4391"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media?parent=4390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/categories?post=4390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/tags?post=4390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}