{"id":4636,"date":"2020-11-30T10:52:19","date_gmt":"2020-11-30T03:52:19","guid":{"rendered":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/?p=4636"},"modified":"2022-10-15T22:47:40","modified_gmt":"2022-10-15T15:47:40","slug":"ban-co-nen-su-dung-quy-tiet-kiem-ca-nhan-de-khoi-nghiep","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/ban-co-nen-su-dung-quy-tiet-kiem-ca-nhan-de-khoi-nghiep\/","title":{"rendered":"B\u1ea1n c\u00f3 n\u00ean s\u1eed d\u1ee5ng qu\u1ef9 ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n \u0111\u1ec3 kh\u1edfi nghi\u1ec7p?"},"content":{"rendered":"

B\u1ea1n s\u1ebd c\u1ea7n ti\u1ec1n \u0111\u1ec3 kh\u1edfi nghi\u1ec7p. N\u1ebfu b\u1ea1n mu\u1ed1n c\u00f3 m\u1ed9t c\u1eeda h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111\u1ec3 b\u00e1n \u0111\u1ed3, b\u1ea1n s\u1ebd c\u1ea7n v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ebfn c\u1ea3 t\u1ef7 \u0111\u1ed3ng. N\u1ebfu b\u1ea1n c\u1ea7n c\u00f3 nh\u1eefng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng chuy\u00ean bi\u1ec7t, b\u1ea1n s\u1ebd c\u1ea7n chu\u1ea9n b\u1ecb nhi\u1ec1u ti\u1ec1n h\u01a1n n\u1eefa. M\u1eb7t kh\u00e1c, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 kh\u1edfi nghi\u1ec7p ch\u1ec9 v\u1edbi v\u00e0i tri\u1ec7u \u0111\u1ed3ng.<\/span><\/p>\n

T\u00f3m l\u1ea1i l\u00e0 b\u1ea1n s\u1ebd c\u1ea7n m\u1ed9t l\u01b0\u1ee3ng v\u1ed1n \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u. Nh\u1eefng c\u00e1ch truy\u1ec1n th\u1ed1ng l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 vay ti\u1ec1n ng\u00e2n h\u00e0ng, ho\u1eb7c b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm \u0111\u1ea7u t\u01b0 t\u1eeb nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 thi\u00ean th\u1ea7n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 g\u1ecdi v\u1ed1n t\u1eeb \u0111\u00e1m \u0111\u00f4ng, ho\u1eb7c t\u00ecm ki\u1ebfm s\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb b\u1ea1n b\u00e8 v\u00e0 gia \u0111\u00ecnh.<\/span><\/p>\n

Ngo\u00e0i nh\u1eefng c\u00e1ch n\u00f3i tr\u00ean, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea3n th\u00e2n \u0111\u1ec3 kh\u1edfi nghi\u1ec7p. Nh\u01b0ng \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 \u0111i\u1ec1u n\u00ean l\u00e0m?<\/span><\/p>\n

L\u1ee3i th\u1ebf khi s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n<\/strong><\/span><\/p>\n

C\u00f3 m\u1ed9t v\u00e0i l\u1ee3i th\u1ebf khi s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a b\u1ea1n \u0111\u1ec3 kh\u1edfi nghi\u1ec7p. V\u00ed d\u1ee5:<\/span><\/p>\n

Kh\u00f4ng ph\u1ea3i tr\u1ea3 ti\u1ec1n l\u00e3i. <\/strong>N\u1ebfu b\u1ea1n vay ng\u00e2n h\u00e0ng \u0111\u1ec3 kh\u1edfi nghi\u1ec7p, b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 ti\u1ec1n l\u00e3i. B\u1ea1n c\u00f3 th\u1ec3 tr\u00e1nh \u0111i\u1ec1u n\u00e0y n\u1ebfu s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n..<\/span><\/p>\n

B\u1ea1n s\u1edf h\u1eefu c\u00f4ng ty c\u1ee7a m\u00ecnh. <\/strong>Nh\u1eadn ti\u1ec1n \u0111\u1ea7u t\u01b0 ngh\u0129a l\u00e0 b\u1ea1n kh\u00f4ng ho\u00e0n to\u00e0n n\u1eafm quy\u1ec1n trong c\u00f4ng ty. B\u1ea1n s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c tr\u01b0\u1eddng h\u1ee3p n\u00e0y n\u1ebfu ch\u1ec9 c\u00f3 b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ty c\u1ee7a m\u00ecnh.<\/span><\/p>\n

Kh\u00f4ng t\u1ed1n th\u1eddi gian<\/strong>. Ho\u00e0n th\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c cho vay ho\u1eb7c nh\u1eadn \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng m\u1ea5t v\u00e0i tu\u1ea7n ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 v\u00e0i th\u00e1ng. N\u1ebfu b\u1ea1n mu\u1ed1n b\u1eaft \u0111\u1ea7u c\u00e0ng nhanh c\u00e0ng t\u1ed1t, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u ngay khi s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n.<\/span><\/p>\n

Tuy nhi\u00ean, tr\u01b0\u1edbc khi l\u00e0m v\u1eady, c\u00f3 m\u1ed9t v\u00e0i \u0111i\u1ec1u b\u1ea1n c\u1ea7n suy ngh\u0129 th\u1ea5u \u0111\u00e1o tr\u01b0\u1edbc.<\/span><\/p>\n

\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/span><\/p>\n

H\u00e3y ngh\u0129 v\u1ec1 \u1ea3nh h\u01b0\u1edfng c\u1ee7a quy\u1ebft \u0111\u1ecbnh n\u00e0y \u0111\u1ebfn t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n. T\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n c\u00e0ng t\u1ed1t v\u00e0 b\u1ea1n c\u00e0ng c\u00f3 nhi\u1ec1u ti\u1ec1n ti\u1ebft ki\u1ec7m th\u00ec \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed1i lo \u0111\u00e1ng ng\u1ea1i. V\u00ed d\u1ee5, n\u1ebfu t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n tr\u1ecb gi\u00e1 1.7 tri\u1ec7u USD, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u1ea7u t\u01b0 35.000 USD v\u00e0o doanh nghi\u1ec7p c\u1ee7a m\u00ecnh. Nh\u01b0ng n\u1ebfu s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n l\u00e0 35.500 USD, kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00f3 s\u1ebd \u0111\u1eb7t b\u1ea1n v\u00e0o t\u00ecnh hu\u1ed1ng t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n.<\/span><\/p>\n

Kh\u00f4ng c\u00f3 quy t\u1eafc n\u00e0o \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u01b0ng c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec1u quan tr\u1ecdng m\u00e0 b\u1ea1n c\u1ea7n nh\u1edb:<\/span><\/p>\n

H\u00e3y c\u00f3 m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p cho b\u1ea3n th\u00e2n. <\/strong>B\u1ea5t k\u1ec3 b\u1ea1n \u0111\u1ea7u t\u01b0 bao nhi\u00eau ti\u1ec1n v\u00e0o c\u00f4ng ty c\u1ee7a m\u00ecnh, h\u00e3y c\u00f3 \u00edt nh\u1ea5t v\u00e0i ng\u00e0n USD d\u1ef1 tr\u1eef cho nh\u1eefng l\u00fac kh\u1ea9n c\u1ea5p.<\/span><\/p>\n

\u0110\u1eebng \u0111\u1ed9ng v\u00e0o qu\u1ef9 ngh\u1ec9 h\u01b0u c\u1ee7a m\u00ecnh. <\/strong>Ch\u1ec9 n\u00ean s\u1eed d\u1ee5ng qu\u1ef9 n\u00e0y khi b\u1ea1n \u0111\u00e3 l\u00e2m v\u00e0o b\u01b0\u1edbc \u0111\u01b0\u1eddng c\u00f9ng, b\u1edfi duy tr\u00ec qu\u1ef9 ngh\u1ec9 h\u01b0u s\u1ebd \u0111em l\u1ea1i cho b\u1ea1n r\u1ea5t nhi\u1ec1u l\u1ee3i \u00edch.<\/span><\/p>\n

C\u00e2n nh\u1eafc nh\u1eefng m\u00f3n n\u1ee3 b\u1ea1n \u0111ang ph\u1ea3i tr\u1ea3. <\/strong>N\u1ebfu s\u1ed1 ti\u1ec1n vay c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n \u0111\u00e3 l\u00ean cao, b\u1ea1n kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng ti\u1ec1n ri\u00eang c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ty.<\/span><\/p>\n

D\u1ef1 \u0111o\u00e1n chi ph\u00ed<\/strong><\/span><\/p>\n

Tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng ti\u1ec1n c\u00e1 nh\u00e2n \u0111\u1ec3 \u0111\u1ea7u t\u1eeb v\u00e0o doanh nghi\u1ec7p, h\u00e3y d\u00e0nh th\u1eddi gian \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111ang \u01b0\u1edbc t\u00ednh chi ph\u00ed h\u1ee3p l\u00fd. C\u00f3 r\u1ea5t nhi\u1ec1u chi ph\u00ed trong l\u1eadp th\u00e0nh l\u1eadp doanh nghi\u1ec7p. N\u1ebfu b\u1ea1n \u0111\u1ea7u t\u01b0 35.000 USD r\u1ed3i sau \u0111\u00f3 m\u1edbi bi\u1ebft l\u00e0 v\u1eabn c\u1ea7n \u0111\u1ea7u t\u01b0 th\u00eam 10.000 USD, ho\u1eb7c chi ph\u00ed m\u1ed7i th\u00e1ng \u0111\u1ec3 c\u00f4ng ty c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng l\u00e0 15.000 USD, b\u1ea1n s\u1ebd v\u01b0\u1ee3t qu\u00e1 ng\u00e2n s\u00e1ch c\u1ee7a m\u00ecnh nhanh ch\u00f3ng.<\/span><\/p>\n

\u0110\u00f2n b\u1ea9y t\u00e0i ch\u00ednh v\u00e0 r\u1ee7i ro<\/strong><\/span><\/p>\n

B\u1ea1n c\u0169ng c\u1ea7n nh\u1eadn bi\u1ebft t\u1ea7m quan tr\u1ecdng v\u00e0 s\u1ee9c m\u1ea1nh c\u1ee7a \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng l\u1ee3i \u00edch trong vi\u1ec7c gi\u1ea3m thi\u1ec3u r\u1ee7i ro khi nh\u1eadn ti\u1ec1n \u0111\u1ea7u t\u01b0 t\u1eeb ngu\u1ed3n kh\u00e1c. N\u1ebfu b\u1ea1n vay ti\u1ec1n ho\u1eb7c \u0111\u1ed3ng s\u1edf h\u1eefu doanh nghi\u1ec7p v\u1edbi b\u00ean th\u1ee9 ba, b\u1ea1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. N\u1ebfu m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 g\u00f3p 15.000 USD v\u00e0o doanh nghi\u1ec7p c\u00f2n b\u1ea1n r\u00f3t v\u00e0o \u0111\u00f3 20.000 USD, tr\u01b0\u1eddng h\u1ee3p x\u1ea5u nh\u1ea5t khi c\u00f4ng ty ph\u00e1 s\u1ea3n l\u00e0 b\u1ea1n m\u1ea5t 20.000 USD thay v\u00ec m\u1ea5t h\u1ebft 35.000 USD.<\/span><\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng nh\u1edb \u1edf \u0111\u00e2y l\u00e0 n\u1ebfu b\u1ea1n vay tr\u00ean t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n, b\u1ea1n s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u1ea3i tr\u1ea3 l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n k\u1ec3 c\u1ea3 khi doanh nghi\u1ec7p ph\u00e1 s\u1ea3n. \u0110\u00f3 l\u00e0 l\u00fd do b\u1ea1n n\u00ean vay doanh nghi\u1ec7p thay v\u00ec vay c\u00e1 nh\u00e2n.<\/span><\/p>\n

V\u1eady b\u1ea1n c\u00f3 n\u00ean \u0111\u1ea7u t\u01b0 ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea3n th\u00e2n v\u00e0o doanh nghi\u1ec7p? R\u00f5 r\u00e0ng l\u00e0 b\u1ea1n s\u1ebd kh\u00f4ng c\u00e2n nh\u1eafc \u0111i\u1ec1u n\u00e0y n\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t \u00fd t\u01b0\u1edfng kinh doanh xu\u1ea5t s\u1eafc v\u00e0 k\u1ebf ho\u1ea1ch r\u00f5 r\u00e0ng \u0111\u1ec3 tri\u1ec3n khai \u00fd t\u01b0\u1edfng \u0111\u00f3. N\u1ebfu \u0111\u00fang v\u1eady,\u00a0 qu\u1ef9 c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd r\u1ea5t h\u1eefu \u00edch cho doanh nghi\u1ec7p. Tuy nhi\u00ean b\u1ea1n s\u1ebd c\u1ea7n ph\u1ea3i c\u00e2n nh\u1eafc r\u1ea5t k\u0129 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n tr\u01b0\u1edbc khi l\u00e0m \u0111i\u1ec1u n\u00e0y.<\/span><\/p>\n

Theo Entrepreneuer<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

B\u1ea1n s\u1ebd c\u1ea7n ti\u1ec1n \u0111\u1ec3 kh\u1edfi nghi\u1ec7p. N\u1ebfu b\u1ea1n mu\u1ed1n c\u00f3 m\u1ed9t c\u1eeda h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111\u1ec3 b\u00e1n \u0111\u1ed3, b\u1ea1n s\u1ebd c\u1ea7n v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ebfn c\u1ea3 t\u1ef7 \u0111\u1ed3ng. N\u1ebfu…<\/p>\n","protected":false},"author":1,"featured_media":4637,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[27,139,138],"tags":[102],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/kien-thuc-quan-tri\/wp-content\/uploads\/2020\/11\/quy-tiet-kiem-scaled.jpg?fit=2560%2C1706&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4636"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/comments?post=4636"}],"version-history":[{"count":0,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4636\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media\/4637"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media?parent=4636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/categories?post=4636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/tags?post=4636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}