{"id":112653,"date":"2024-09-29T17:32:12","date_gmt":"2024-09-29T10:32:12","guid":{"rendered":"http:\/\/amis.misa.vn\/?p=112653"},"modified":"2024-09-30T00:52:52","modified_gmt":"2024-09-29T17:52:52","slug":"tai-khoan-tien-gui-la-gi","status":"publish","type":"post","link":"https:\/\/amis.misa.vn\/112653\/tai-khoan-tien-gui-la-gi\/","title":{"rendered":"T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec? Ph\u00e2n lo\u1ea1i v\u00e0 l\u01b0u \u00fd quan tr\u1ecdng khi s\u1eed d\u1ee5ng"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n doanh nghi\u1ec7p v\u00e0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<span style=\"font-weight: 400;\"> Vi\u1ec7c l\u1eadp v\u00e0 g\u1eedi ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng s\u1ebd gi\u00fap t\u0103ng t\u00ednh an to\u00e0n v\u00e0 sinh l\u1eddi cho kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng. <\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><span style=\"font-weight: 400;\">V\u1eady t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec? T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u1ea7ng 112 trong k\u1ebf to\u00e1n doanh nghi\u1ec7p ph\u1ea3n \u00e1nh nh\u1eefng n\u1ed9i dung g\u00ec? N\u00ean l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng n\u00e0o v\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m t\u1ed1t nh\u1ea5t hi\u1ec7n nay? H\u00e3y c\u00f9ng MISA gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u00f4ng tin v\u1ec1 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/span><\/span><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>1. T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c duy tr\u00ec b\u1edfi m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, trong \u0111\u00f3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eedi v\u00e0 r\u00fat ti\u1ec1n. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u00e0 ng\u01b0\u1eddi d\u00e2n, c\u00e1 nh\u00e2n ri\u00eang l\u1ebb, ho\u1eb7c c\u00f4ng ty, t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p n\u00e0o \u0111\u00f3. Hi\u1ec7n nay khi kh\u00e1ch h\u00e0ng khi c\u00f3 nhu c\u1ea7u \u0111\u1ec1u \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n, ch\u1ec9 c\u1ea7n cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd b\u1eaft bu\u1ed9c nh\u01b0 c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, h\u1ed9 chi\u1ebfu\u2026 \u0111\u1ebfn ng\u00e2n h\u00e0ng l\u00e0 c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi nhanh ch\u00f3ng.\u00a0<\/span><\/p>\n<figure id=\"attachment_112715\" aria-describedby=\"caption-attachment-112715\" style=\"width: 720px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-112715 size-full\" src=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-3.jpg\" alt=\"T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec\" width=\"720\" height=\"405\" srcset=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-3.jpg 720w, \/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-3-500x281.jpg 500w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><figcaption id=\"caption-attachment-112715\" class=\"wp-caption-text\">T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eedi ti\u1ec1n v\u00e0o v\u00e0 r\u00fat ti\u1ec1n ra t\u1eeb t\u00e0i kho\u1ea3n. Giao d\u1ecbch di\u1ec5n ra \u0111\u01b0\u1ee3c ghi v\u00e0o s\u1ed5 s\u00e1ch c\u1ee7a ng\u00e2n h\u00e0ng, s\u1ed1 d\u01b0 ghi nh\u1eadn tr\u00ean t\u00e0i kho\u1ea3n l\u00e0 kho\u1ea3n ghi n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 th\u1ec3 hi\u1ec7n s\u1ed1 ti\u1ec1n ng\u00e2n h\u00e0ng \u0111ang n\u1ee3 kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">M\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n n\u00e0y ch\u00ednh l\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nh\u01b0 thanh to\u00e1n ti\u1ec1n h\u00e0ng th\u00e1ng b\u1eb1ng h\u00ecnh th\u1ee9c chuy\u1ec3n ti\u1ec1n, thu, chi, \u2026. Ch\u1ec9 v\u1edbi nh\u1eefng thao t\u00e1c \u0111\u01a1n gi\u1ea3n KH \u0111\u00e3 c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh thanh to\u00e1n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i giao d\u1ecbch b\u1eb1ng ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp g\u00e2y m\u1ea5t th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">Ngo\u00e0i ra, vi\u1ec7c l\u1eadp v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n n\u00e0y c\u00f2n gi\u00fap cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 thu \u0111\u01b0\u1ee3c <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/amis.misa.vn\/32393\/hach-toan-lai-tien-gui-ngan-hang\/\"><strong>ti\u1ec1n l\u00e3i<\/strong><\/a><\/span> d\u1ef1a v\u00e0o s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n.<\/span><\/p>\n<div style=\"background: linear-gradient(40deg, rgba(76, 175, 80, 0.08), rgba(255, 235, 59, 0.09)); border-radius: 3px; border-width: 3px; border-style: solid; border-color: rgba(213, 213, 213, 0); border-image-width: initial; border-image-outset: initial; border-image-repeat: initial; color: #333333; border-image-source: linear-gradient(to right, rgba(76, 175, 80, 0.5), rgba(156, 39, 176, 0.66), rgba(3, 169, 244, 0.65)); border-image-slice: 1; font: inherit; margin: 0px; padding: 1em; vertical-align: baseline; text-align: center;\"><span style=\"color: #ff6600; font-family: arial, helvetica, sans-serif;\"><a style=\"color: #ff6600;\" href=\"#ebook\"><span style=\"font-size: 18pt;\"><em><strong>&gt;&gt;&gt; T\u1eb6NG MI\u1ec4N PH\u00cd QUY TR\u00ccNH K\u1ebe TO\u00c1N C\u01a0 B\u1ea2N&lt;&lt;&lt;<\/strong><\/em><\/span><\/a><\/span><\/div>\n<h2 style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>2. C\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/strong><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">Hi\u1ec7n nay tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 3 lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ph\u1ed5 bi\u1ebfn:<\/span><\/p>\n<h3><span style=\"font-family: arial, helvetica, sans-serif;\"><b>2.1 Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n\u00a0<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi m\u00e0 kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng v\u00e0 kh\u00f4ng x\u00e1c nh\u1eadn th\u1eddi gian c\u1ee5 th\u1ec3 s\u1ebd r\u00fat ti\u1ec1n ra. \u0110\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n n\u00e0y, ng\u00e2n h\u00e0ng s\u1ebd tr\u1ea3 l\u00e3i su\u1ea5t r\u1ea5t th\u1ea5p ho\u1eb7c kh\u00f4ng c\u00f3 l\u00e3i b\u1edfi v\u00ec kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 r\u00fat &#8211; chuy\u1ec3n ti\u1ec1n thanh to\u00e1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o. Ng\u00e2n h\u00e0ng th\u01b0\u1eddng kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n n\u00e0y m\u00e0 c\u1ea7n ph\u1ea3i d\u1ef1 tr\u1eef m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00f3 th\u1ec3 thanh to\u00e1n ngay khi KH c\u00f3 nhu c\u1ea7u. Ti\u1ec1n g\u1eedi kh\u00f4ng gi\u1edbi h\u1ea1n bao g\u1ed3m hai lo\u1ea1i:<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b><i>2.1.1 Ti\u1ec1n g\u1eedi thanh to\u00e1n<\/i><\/b><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n m\u00e0 b\u1ea1n g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng \u0111\u1ec3 thanh to\u00e1n h\u00f3a \u0111\u01a1n, d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n kh\u00e1c trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh hay nhu c\u1ea7u s\u1ed1ng h\u1eb1ng ng\u00e0y.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u1ede g\u00f3c \u0111\u1ed9 kh\u00e1ch h\u00e0ng, \u0111\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng \u0111\u1ec3 thanh to\u00e1n thay v\u00ec s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t. H\u1ecd c\u00f3 quy\u1ec1n r\u00fat ti\u1ec1n ra b\u1ea5t c\u1ee9 l\u00fac n\u00e0o.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u1ede g\u00f3c \u0111\u1ed9 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0y coi \u0111\u00e2y l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi m\u00e0 h\u1ecd c\u00f3 tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 cho kh\u00e1ch h\u00e0ng b\u1ea5t c\u1ee9 l\u00fac n\u00e0o. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n t\u1eadn d\u1ee5ng lo\u1ea1i ti\u1ec1n g\u1eedi n\u00e0y \u0111\u1ec3 th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u1ed1n v\u00ec trong qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n v\u1ed1n ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa ti\u1ec1n g\u1eedi v\u00e0 ti\u1ec1n r\u00fat ra c\u1ee7a c\u00e1c t\u00e0i kho\u1ea3n.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b><i>2.1.2 Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n thu\u1ea7n t\u00fay:<\/i><\/b><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n m\u00e0 kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u01b0u tr\u1eef t\u00e0i s\u1ea3n an to\u00e0n. Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n thu\u1ea7n t\u00fay c\u0169ng l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi g\u1eedi, h\u1ecd c\u00f3 quy\u1ec1n r\u00fat b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, ng\u00e2n h\u00e0ng ph\u1ea3i lu\u00f4n \u0111\u1ea3m b\u1ea3o c\u00f3 ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n cho kh\u00e1ch h\u00e0ng. Th\u00f4ng th\u01b0\u1eddng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n thu\u1ea7n t\u00fay cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi thanh to\u00e1n hi\u1ec7n h\u00e0nh.\u00a0<\/span><\/p>\n<figure id=\"attachment_112718\" aria-describedby=\"caption-attachment-112718\" style=\"width: 720px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-112718 size-full\" src=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-5.jpg\" alt=\"C\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng\" width=\"720\" height=\"479\" srcset=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-5.jpg 720w, \/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-5-500x333.jpg 500w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><figcaption id=\"caption-attachment-112718\" class=\"wp-caption-text\">C\u00f3 nhi\u1ec1u lo\u1ea1i t\u00e0i kho\u1ea3n g\u1eedi ti\u1ec1n kh\u00e1c nhau<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>2.2 Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n\u00a0<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi m\u00e0 kh\u00e1ch h\u00e0ng g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng v\u00e0 c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n. Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n l\u00e0 lo\u1ea1i ti\u1ec1n g\u1eedi c\u00f3 t\u00ednh t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh v\u00ec ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh th\u1eddi gian r\u00fat ti\u1ec1n c\u1ee7a kh\u00e1ch \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh to\u00e1n cho kh\u00e1ch h\u00e0ng \u0111\u00fang h\u1ea1n. Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 cho m\u1ee5c \u0111\u00edch kinh doanh trong th\u1eddi gian c\u00f2n k\u1ef3 h\u1ea1n c\u1ee7a t\u00e0i s\u1ea3n. C\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay cung c\u1ea5p s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi v\u1edbi nhi\u1ec1u k\u1ef3 h\u1ea1n t\u1eeb 1 th\u00e1ng, 3 th\u00e1ng, 6 th\u00e1ng, 1 n\u0103m, \u2026 \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn theo nhu c\u1ea7u. L\u01b0u \u00fd r\u1eb1ng, k\u1ef3 h\u1ea1n c\u00e0ng d\u00e0i, l\u00e3i su\u1ea5t t\u00ednh tr\u00ean s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00e0ng cao.<\/span><\/p>\n<blockquote><p><span style=\"font-family: arial, helvetica, sans-serif;\">Xem Th\u00eam: C\u00e1ch <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/amis.misa.vn\/21905\/hach-toan-tien-gui-tiet-kiem-co-ky-han\/\">h\u1ea1ch to\u00e1n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/a><\/span> ch\u00ednh x\u00e1c<\/span><\/p><\/blockquote>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>2.3 T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n m\u00e0 kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i. L\u00e3i su\u1ea5t ch\u00ednh l\u00e0 ph\u01b0\u01a1ng th\u1ee9c ng\u00e2n h\u00e0ng s\u1ebd chi tr\u1ea3 d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0o b\u1eb1ng c\u00e1ch t\u00ecnh s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n cu\u1ed1i ng\u00e0y v\u00e0 c\u1ed9ng d\u1ed3n h\u00e0ng ng\u00e0y. Khi kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n, ng\u00e2n h\u00e0ng s\u1ebd cung c\u1ea5p cho kh\u00e1ch h\u00e0ng m\u1ed9t cu\u1ed1n s\u1ed5 m\u00e0 kh\u00e1ch ph\u1ea3i l\u01b0u tr\u1eef v\u00e0 mang theo b\u00ean m\u00ecnh m\u1ed7i khi \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 r\u00fat ti\u1ec1n hay n\u1ea1p th\u00eam v\u00e0o.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">V\u1ec1 b\u1ea3n ch\u1ea5t, vi\u1ec7c g\u1eedi ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m gi\u00fap ng\u01b0\u1eddi d\u00e2n t\u1eadn d\u1ee5ng s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i hi\u1ec7n c\u00f3 \u0111\u1ec3 ki\u1ebfm th\u00eam ti\u1ec1n, v\u00ec khi \u0111\u00f3 h\u1ecd \u0111\u01b0\u1ee3c nh\u1eadn l\u00e3i su\u1ea5t tr\u1ea3 tr\u00ean s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi. Ngo\u00e0i ra, \u0111\u00e2y l\u00e0 c\u00e1ch \u0111\u1ec3 kh\u00e1ch h\u00e0ng t\u00edch l\u0169y t\u00e0i s\u1ea3n thay v\u00ec t\u00edch tr\u1eef v\u00e0ng hay c\u00e1c ch\u1ee9ng ch\u1ec9 \u0111\u1ea7u t\u01b0 kh\u00e1c.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">S\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n n\u00e0y th\u00f4ng th\u01b0\u1eddng \u00edt khi bi\u1ebfn \u0111\u1ed9ng so v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00e1c, v\u00ec ng\u01b0\u1eddi g\u1eedi hi\u1ec3u r\u1eb1ng \u0111\u1ec3 c\u00e0ng l\u00e2u \u0111\u00fang theo k\u1ef3 h\u1ea1n s\u1ebd nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi vi\u1ec7c r\u00fat tr\u01b0\u1edbc h\u1ea1ng, kh\u1ea3 n\u0103ng kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i ho\u1eb7c ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_112714\" aria-describedby=\"caption-attachment-112714\" style=\"width: 720px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-112714 size-full\" src=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-4.jpg\" alt=\"T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m\" width=\"720\" height=\"437\" srcset=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-4.jpg 720w, \/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-4-500x303.jpg 500w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><figcaption id=\"caption-attachment-112714\" class=\"wp-caption-text\">M\u1ed7i lo\u1ea1i t\u00e0i kho\u1ea3n s\u1ebd c\u00f3 m\u1ee9c l\u00e3i kh\u00e1c nhau<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>3. T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi &#8211; t\u00e0i kho\u1ea3n 112 trong k\u1ebf to\u00e1n doanh nghi\u1ec7p<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi (t\u00e0i kho\u1ea3n 112) ph\u1ea3n \u00e1nh s\u1ed1 ti\u1ec1n hi\u1ec7n c\u00f3, t\u00ecnh h\u00ecnh bi\u1ebfn \u0111\u1ed9ng t\u0103ng, gi\u1ea3m c\u1ee7a c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a doanh nghi\u1ec7p t\u1ea1i Ng\u00e2n h\u00e0ng. Trong k\u1ebf to\u00e1n doanh nghi\u1ec7p, ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng, t\u00e0i kho\u1ea3n 112 bao g\u1ed3m 3 t\u00e0i kho\u1ea3n c\u1ea5p 2 nh\u01b0 sau:<\/span><\/p>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n 1121 &#8211; Ti\u1ec1n Vi\u1ec7t Nam: Th\u1ec3 hi\u1ec7n s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0o, s\u1ed1 ti\u1ec1n r\u00fat ra v\u00e0 s\u1ed1 ti\u1ec1n hi\u1ec7n doanh nghi\u1ec7p \u0111ang g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng t\u00ednh b\u1eb1ng ti\u1ec1n \u0110\u1ed3ng Vi\u1ec7t Nam.<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n 1122 &#8211; Ngo\u1ea1i t\u1ec7: Th\u1ec3 hi\u1ec7n s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0o, s\u1ed1 ti\u1ec1n r\u00fat ra v\u00e0 s\u1ed1 ti\u1ec1n hi\u1ec7n doanh nghi\u1ec7p \u0111ang g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng b\u1eb1ng ngo\u1ea1i t\u1ec7 c\u00e1c lo\u1ea1i \u0111\u00e3 quy \u0111\u1ed5i ra \u0110\u1ed3ng Vi\u1ec7t Nam.<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n 1123 &#8211; V\u00e0ng ti\u1ec1n t\u1ec7: Th\u1ec3 hi\u1ec7n t\u00ecnh h\u00ecnh bi\u1ebfn \u0111\u1ed9ng v\u00e0 gi\u00e1 tr\u1ecb v\u00e0ng ti\u1ec1n t\u1ec7 c\u1ee7a doanh nghi\u1ec7p \u0111ang g\u1eedi \u1edf Ng\u00e2n h\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u00e1o c\u00e1o.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi(t\u00e0i kho\u1ea3n 112) trong k\u1ebf to\u00e1n doanh nghi\u1ec7p \u1edf b\u00e0i vi\u1ebft n\u00e0y:\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong><a href=\"https:\/\/amis.misa.vn\/24002\/tai-khoan-112-tien-gui-ngan-hang\" target=\"_blank\" rel=\"noopener\">[TK 112] H\u1ea1ch to\u00e1n t\u00e0i kho\u1ea3n 112 Ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng theo th\u00f4ng t\u01b0 200<\/a><\/strong><\/span><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>4. So s\u00e1nh c\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng<\/strong><\/span><\/h2>\n<table style=\"border-collapse: collapse; width: 100%; height: 208px;\">\n<tbody>\n<tr style=\"height: 26px;\">\n<td style=\"width: 15.3226%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ti\u00eau ch\u00ed<\/span><\/td>\n<td style=\"width: 30.6544%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n<\/span><\/td>\n<td style=\"width: 27.7299%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/span><\/td>\n<td style=\"width: 26.2931%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m<\/span><\/td>\n<\/tr>\n<tr style=\"height: 78px;\">\n<td style=\"width: 15.3226%; height: 78px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00ednh linh ho\u1ea1t<\/span><\/td>\n<td style=\"width: 30.6544%; height: 78px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00f3 th\u1ec3 r\u00fat ti\u1ec1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o<\/span><\/td>\n<td style=\"width: 27.7299%; height: 78px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">R\u00fat ti\u1ec1n theo k\u1ef3 h\u1ea1n<\/span><\/td>\n<td style=\"width: 26.2931%; height: 78px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Kh\u00f4ng k\u1ef3 h\u1ea1n ho\u1eb7c c\u00f3 k\u1ef3 h\u1ea1n t\u00f9y m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 15.3226%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i\u00a0 su\u1ea5t<\/span><\/td>\n<td style=\"width: 30.6544%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Th\u1ea5p ho\u1eb7c kh\u00f4ng c\u00f3<\/span><\/td>\n<td style=\"width: 27.7299%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Cao h\u01a1n nh\u1edd cam k\u1ebft g\u1eedi trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh<\/span><\/td>\n<td style=\"width: 26.2931%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Cao h\u01a1n c\u00e1c lo\u1ea1i kh\u00e1c, \u0111\u1eb7c bi\u1ec7t v\u1edbi lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 15.3226%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">\u0110\u1ed1i t\u01b0\u1ee3ng s\u1eed\u00a0<\/span><\/td>\n<td style=\"width: 30.6544%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1 nh\u00e2n thanh to\u00e1n h\u00e0ng ng\u00e0y, ho\u1eb7c doanh nghi\u1ec7p qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n.<\/span><\/td>\n<td style=\"width: 27.7299%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1 nh\u00e2n\/doanh nghi\u1ec7p c\u00f3 ti\u1ec1n nh\u00e0n r\u1ed7i mu\u1ed1n sinh l\u00e3i.<\/span><\/td>\n<td style=\"width: 26.2931%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1 nh\u00e2n mu\u1ed1n t\u00edch l\u0169y t\u00e0i s\u1ea3n l\u00e2u d\u00e0i.<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 15.3226%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">R\u1ee7i ro<\/span><\/td>\n<td style=\"width: 30.6544%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">\u00cdt r\u1ee7i ro, nh\u01b0ng l\u1ee3i nhu\u1eadn th\u1ea5p.<\/span><\/td>\n<td style=\"width: 27.7299%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">R\u00fat tr\u01b0\u1edbc k\u1ef3 h\u1ea1n c\u00f3 th\u1ec3 m\u1ea5t l\u00e3i.<\/span><\/td>\n<td style=\"width: 26.2931%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">An to\u00e0n, nh\u01b0ng c\u1ea7n tu\u00e2n th\u1ee7 \u0111i\u1ec1u kho\u1ea3n r\u00fat ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 15.3226%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">\u00dd ngh\u0129a<\/span><\/td>\n<td style=\"width: 30.6544%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Cho ph\u00e9p \u1ec5 d\u00e0ng thanh to\u00e1n, giao d\u1ecbch t\u1ee9c th\u00ec.<\/span><\/td>\n<td style=\"width: 27.7299%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n nh\u00e0n r\u1ed7i trong m\u1ed9t th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.<\/span><\/td>\n<td style=\"width: 26.2931%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u00edch l\u0169y d\u00e0i h\u1ea1n, an to\u00e0n.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>5. \u0110\u0103ng k\u00fd t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0o uy t\u00edn v\u00e0 c\u00f3 l\u00e3i su\u1ea5t t\u1ed1t nh\u1ea5t hi\u1ec7n nay?<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Khi ch\u1ecdn ng\u00e2n h\u00e0ng \u0111\u1ec1 \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, kh\u00e1ch h\u00e0ng, qu\u00fd doanh nghi\u1ec7p kh\u00f4ng n\u00ean ch\u1ec9 quan t\u00e2m \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 c\u00f2n ph\u1ea3i quan t\u00e2m \u0111\u1ebfn \u0111\u1ed9 uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch nh\u1eefng ng\u00e2n h\u00e0ng uy t\u00edn v\u00e0 c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cho t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m h\u1ea5p d\u1eabn nh\u1ea5t n\u0103m 2024.<\/span><\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 156px;\">\n<tbody>\n<tr style=\"height: 26px;\">\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ng\u00e2n h\u00e0ng<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Th\u1eddi gian g\u1eedi<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">M\u1ee9c l\u00e3i su\u1ea5t (%\/n\u0103m)<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Oceanbank<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">6,1%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Saigonbank<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">VPBank<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">5,7%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Sacombank<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%;\"><span style=\"font-family: arial, helvetica, sans-serif;\">5,2%<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Techcombank<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">4,85%<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Agribank<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">4,7%<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">BIDV<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">4,7%<\/span><\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Vietcombank<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">36 th\u00e1ng<\/span><\/td>\n<td style=\"width: 25%; height: 26px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">4,7 %<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>6. T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0 c\u00e1c l\u01b0u \u00fd quan tr\u1ecdng<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh tr\u1ea3i nghi\u1ec7m m\u1ed9t s\u1ea3n ph\u1ea9m\/ d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o, kh\u00e1ch h\u00e0nh n\u00ean t\u00ecm hi\u1ec3u k\u1ef9 th\u00f4ng tin \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 tr\u00e1ch nhi\u1ec7m trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng. \u0110\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n n\u00e0y, c\u1ea7n l\u01b0u \u00fd m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng sau \u0111\u00e2y:<\/span><\/p>\n<figure id=\"attachment_112716\" aria-describedby=\"caption-attachment-112716\" style=\"width: 720px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-112716 size-full\" src=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-2.jpg\" alt=\"Nh\u1eefng l\u01b0u \u00fd v\u1ec1 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng\" width=\"720\" height=\"480\" srcset=\"\/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-2.jpg 720w, \/wp-content\/uploads\/2023\/10\/tai-khoan-gui-tien-la-gi-2-500x333.jpg 500w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><figcaption id=\"caption-attachment-112716\" class=\"wp-caption-text\">L\u01b0u \u00fd quan tr\u1ecdng v\u1ec1 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t: <\/b><span style=\"font-weight: 400;\">M\u1ed7i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t ri\u00eang nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o tu\u00e2n theo quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc. \u0110\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 tung ra th\u1ecb tr\u01b0\u1eddng s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn c\u00f9ng k\u1ef3 h\u1ea1n g\u1eedi linh ho\u1ea1t. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 so s\u00e1nh l\u1ef1a ch\u1ecdn \u0111\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c n\u01a1i g\u1eedi ti\u1ec1n c\u00f3 l\u1ee3i nh\u1ea5t.<\/span><\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>V\u1ea5n \u0111\u1ec1 tr\u1ea3 ph\u00ed: <\/b><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy \u0111\u1ecbnh ri\u00eang v\u1ec1 m\u1ee9c ph\u00ed kh\u00e1ch h\u00e0ng ph\u1ea3i chi tr\u1ea3 \u0111\u1ed1i v\u1edbi m\u1ed7i lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi. Nh\u1eefng ph\u00ed ti\u00eau bi\u1ec3u nh\u01b0 ph\u00ed qu\u1ea3n l\u00fd, ph\u00ed th\u01b0\u1eddng ni\u00ean, ph\u00ed SMS th\u00f4ng b\u00e1o s\u1ed1 d\u01b0, \u2026 Khi \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n, kh\u00e1ch h\u00e0ng c\u1ea7n h\u1ecfi r\u00f5 th\u00f4ng tin v\u1ec1 m\u1ee9c chi ph\u00ed n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c tr\u1ea3 ph\u00ed sau n\u00e0y.<\/span><\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>V\u1ea5n \u0111\u1ec1 r\u00fat &#8211; chuy\u1ec3n ti\u1ec1n<\/b><span style=\"font-weight: 400;\">: Vi\u1ec7c r\u00fat &#8211; chuy\u1ec3n ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 t\u00ednh ph\u00ed\/ kh\u00f4ng t\u00ednh ph\u00ed t\u00f9y t\u00e0i kho\u1ea3n v\u00e0 s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n giao d\u1ecbch. Hi\u1ec7n nay t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e2ng c\u1ea5p t\u00e0i kho\u1ea3n \u0111\u1ec3 m\u1ed7i giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed, v\u1edbi \u0111i\u1ec1u ki\u1ec7n kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o duy tr\u00ec s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u. \u0110\u00e2y s\u1ebd l\u00e0 s\u1ea3n ph\u1ea9m t\u1ed1t m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tham kh\u1ea3o \u0111\u1ec3 gi\u1ea3m b\u1edbt chi ph\u00ed cho c\u00e1c giao d\u1ecbch ph\u00e1t sinh trong th\u00e1ng.<\/span><\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><span style=\"font-family: arial, helvetica, sans-serif;\"><b>V\u1ea5n \u0111\u1ec1 m\u1edf t\u00e0i kho\u1ea3n<\/b><span style=\"font-weight: 400;\">: Vi\u1ec7c t\u1ea1o t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u00f2i h\u1ecfi tu\u00e2n th\u1ee7 theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt ph\u00e1p n\u01b0\u1edbc Vi\u1ec7t Nam. Trong qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd t\u1ea1i ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng n\u00ean h\u1ecfi k\u1ef9 th\u00f4ng tin v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 m\u1edf t\u00e0i kho\u1ea3n cho ng\u01b0\u1eddi ch\u01b0a th\u00e0nh ni\u00ean, ng\u01b0\u1eddi m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1, m\u1edf t\u00e0i kho\u1ea3n chung, \u2026 \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c nh\u1ea5t.\u00a0<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">\u2026<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 m\u1ed9t trong s\u1ed1 nh\u1eefng s\u1ea3n ph\u1ea9m c\u1ee7a ng\u00e2n h\u00e0ng thu h\u00fat nhi\u1ec1u kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng. B\u1edfi t\u00ednh ti\u1ec7n l\u1ee3i, \u0111\u00e1p \u1ee9ng t\u1ed1t cho nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400; font-family: arial, helvetica, sans-serif;\">Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng m\u1ed7i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, m\u1ee9c ph\u00ed h\u00e0ng th\u00e1ng, ph\u00ed tr\u1eeb khi chuy\u1ec3n ti\u1ec1n ngo\u00e0i ng\u00e2n h\u00e0ng, ph\u00ed th\u00f4ng b\u00e1o tin nh\u1eafn, \u2026 Kh\u00e1ch h\u00e0ng n\u00ean h\u1ecfi r\u00f5 ngay t\u1eeb ban \u0111\u1ea7u \u0111\u1ec3 kh\u00f4ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng hoang mang, kh\u00f4ng bi\u1ebft t\u1ea1i sao ti\u1ec1n trong t\u00e0i kho\u1ea3n l\u1ea1i b\u1ecb gi\u1ea3m.<\/span><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>7. K\u1ebft lu\u1eadn<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><span style=\"font-weight: 400;\">Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin quan tr\u1ecdng v\u1ec1 <strong>t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/strong>, c\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n ph\u1ed5 bi\u1ebfn v\u00e0 l\u01b0u \u00fd quan tr\u1ecdng m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n xem x\u00e9t. T\u00f9y v\u00e0o nhu c\u1ea7u c\u1ee7a m\u1ed7i ng\u01b0\u1eddi m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn m\u1edf t\u00e0i kho\u1ea3n ph\u00f9 h\u1ee3p. Vi\u1ec7c hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, b\u1ea1n s\u1ebd y\u00ean t\u00e2m h\u01a1n khi quy\u1ebft \u0111\u1ecbnh g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng thay v\u00ec c\u1ea5t tr\u1eef t\u1ea1i nh\u00e0!<\/span><!-- AMIS aiMarketing Form Embed Code --><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><!-- AMIS aiMarketing Form Embed Code --><\/span><\/p>\n<div class=\"aimarketing-form-embed-code\"><a id=\"ebook\"><\/a><span style=\"font-family: arial, helvetica, sans-serif;\"><script env=production id=\"ladizone-form-renderer\" src=\"https:\/\/amismisa.misacdn.net\/apps\/aimarketing\/form-editor\/static\/js\/form-renderer.js\"><\/script><\/span><br \/>\n<span style=\"font-family: arial, helvetica, sans-serif;\"><script render-for=\"08e5b32b-9164-45b5-bcc0-597accc8335b\">\n                    globalThis.lzfr.renderExternalForm({formId: \"08e5b32b-9164-45b5-bcc0-597accc8335b\", tenantId: \"56c33c47-78ec-4b3a-92ba-9fdb7830a6d4\", domainUnomi: \"https:\/\/ladizone.com\" });\n                <\/script><\/span><\/div>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_112653\" class=\"pvc_stats total_only  \" data-element-id=\"112653\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n<div style='text-align:center' class='yasr-auto-insert-visitor'><\/div>","protected":false},"excerpt":{"rendered":"<p>T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n doanh nghi\u1ec7p v\u00e0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Vi\u1ec7c l\u1eadp v\u00e0 g\u1eedi ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng s\u1ebd gi\u00fap t\u0103ng t\u00ednh an to\u00e0n v\u00e0 sinh l\u1eddi cho kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng. V\u1eady t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 g\u00ec? T\u00e0i [&hellip;]<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_112653\" class=\"pvc_stats total_only  \" data-element-id=\"112653\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":27,"featured_media":112723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"yasr_overall_rating":4.9,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[1403],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - 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