{"id":86872,"date":"2023-03-21T14:31:32","date_gmt":"2023-03-21T07:31:32","guid":{"rendered":"http:\/\/amis.misa.vn\/?p=86872"},"modified":"2023-03-21T14:32:35","modified_gmt":"2023-03-21T07:32:35","slug":"kha-nang-thanh-toan-tuc-thoi","status":"publish","type":"post","link":"https:\/\/amis.misa.vn\/86872\/kha-nang-thanh-toan-tuc-thoi\/","title":{"rendered":"Kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft"},"content":{"rendered":"

\u0110\u1ea3m b\u1ea3o n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 thanh to\u00e1n \u0111\u00fang h\u1ea1n c\u00e1c kho\u1ea3n n\u1ee3 trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 doanh nghi\u1ec7p t\u1ed3n t\u1ea1i, l\u00e0 n\u1ec1n t\u1ea3ng c\u01a1 b\u1ea3n gi\u00fap doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n. V\u00ec l\u1ebd \u0111\u00f3, vi\u1ec7c ph\u00e2n t\u00edch kh\u1ea3 n\u0103ng thanh to\u00e1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi, l\u00e0 m\u1ed9t n\u1ed9i dung v\u00f4 c\u00f9ng quan tr\u1ecdng v\u00e0 c\u1ea7n thi\u1ebft khi ph\u00e2n t\u00edch b\u1ee9c tranh t\u00e0i ch\u00ednh c\u1ee7a m\u1ecdi doanh nghi\u1ec7p.\u00a0<\/span><\/p>\n

B\u00e0i vi\u1ebft tr\u00ecnh b\u00e0y t\u1edbi b\u1ea1n \u0111\u1ecdc n\u1ed9i dung v\u1ec1 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a doanh nghi\u1ec7p, ph\u01b0\u01a1ng ph\u00e1p t\u00ednh v\u00e0 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi c\u1ee7a doanh nghi\u1ec7p.\u00a0<\/span><\/p>\n

1. Kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi l\u00e0 g\u00ec?<\/b><\/span><\/h2>\n

Kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a doanh nghi\u1ec7p th\u1ec3 hi\u1ec7n n\u0103ng l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh m\u00e0 doanh nghi\u1ec7p c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n cho c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c cho doanh nghi\u1ec7p vay ho\u1eb7c n\u1ee3. Ph\u00e2n t\u00edch kh\u1ea3 n\u0103ng thanh to\u00e1n l\u00e0 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng chuy\u1ec3n \u0111\u1ed5i t\u00e0i s\u1ea3n th\u00e0nh ti\u1ec1n v\u00e0 kh\u1ea3 n\u0103ng t\u1ea1o ti\u1ec1n nh\u1eb1m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 n\u1ee3 khi \u0111\u1ebfn h\u1ea1n. M\u1ed9t doanh nghi\u1ec7p c\u00f3 kh\u1ea3 n\u0103ng thanh to\u00e1n cao, ch\u1ee9ng t\u1ecf c\u00f3 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh t\u1ed1t, \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng chi tr\u1ea3 t\u1ed1t c\u00e1c kho\u1ea3n n\u1ee3. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a doanh nghi\u1ec7p th\u1ea5p l\u00e0 d\u1ea5u hi\u1ec7u c\u1ee7a c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00e0i ch\u00ednh \u0111ang ti\u1ec1m \u1ea9n. Ho\u1eb7c, c\u00f3 th\u1ec3 doanh nghi\u1ec7p \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n trong t\u01b0\u01a1ng lai m\u00e0 n\u1ebfu t\u00ecnh tr\u1ea1ng n\u00e0y ti\u1ebfp di\u1ec5n l\u00e2u d\u00e0i, r\u1ea5t d\u1ec5 ph\u1ea3i \u0111\u1ed1i di\u1ec7n v\u1edbi t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n do kh\u00f4ng th\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3.<\/span><\/p>\n

Kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi th\u1ec3 hi\u1ec7n n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, c\u1ee5 th\u1ec3 l\u00e0 ti\u1ec1n v\u00e0 <\/span>c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n<\/span><\/a><\/span> hi\u1ec7n c\u00f3 \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n.\u00a0<\/span><\/span><\/p>\n

Thu\u1ed9c nh\u00f3m h\u1ec7 s\u1ed1 kh\u1ea3 n\u0103ng thanh to\u00e1n ng\u1eafn h\u1ea1n, h\u1ec7 s\u1ed1 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 \u0111\u00e1p \u1ee9ng n\u1ee3 ng\u1eafn h\u1ea1n b\u1eb1ng ti\u1ec1n v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n c\u1ee7a doanh nghi\u1ec7p, hay n\u00f3i c\u00e1ch kh\u00e1c, v\u1edbi l\u01b0\u1ee3ng ti\u1ec1n v\u00e0 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n hi\u1ec7n c\u00f3 t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m, th\u00ec doanh nghi\u1ec7p c\u00f3 th\u1ec3 thanh to\u00e1n ngay (t\u1ee9c th\u1eddi) c\u00e1c kho\u1ea3n <\/span>n\u1ee3 ng\u1eafn h\u1ea1n<\/span><\/a><\/span> hay kh\u00f4ng.<\/span><\/span><\/p>\n

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H\u00ecnh 1: Kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a doanh nghi\u1ec7p<\/figcaption><\/figure>\n

2. H\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh h\u1ec7 s\u1ed1 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi<\/b><\/span><\/h2>\n

H\u1ec7 s\u1ed1 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi g\u1ecdi l\u00e0 t\u1ef7 l\u1ec7 thanh to\u00e1n b\u1eb1ng ti\u1ec1n, ch\u1ec9 s\u1ed1 thanh to\u00e1n ti\u1ec1n m\u1eb7t…<\/span><\/p>\n

Kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng c\u00f4ng th\u1ee9c d\u01b0\u1edbi \u0111\u00e2y:<\/span><\/p>\n

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H\u00ecnh 2: C\u00f4ng th\u1ee9c x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ee9c th\u1eddi<\/figcaption><\/figure>\n

Trong \u0111\u00f3, ti\u1ec1n v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n bao g\u1ed3m:<\/span><\/p>\n