{"id":267,"date":"2023-01-17T10:49:46","date_gmt":"2023-01-17T03:49:46","guid":{"rendered":"https:\/\/bvote.vn\/blog\/?p=267"},"modified":"2023-01-17T10:49:46","modified_gmt":"2023-01-17T03:49:46","slug":"lai-suat-chiet-khau-la-gi","status":"publish","type":"post","link":"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/","title":{"rendered":"L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Th\u00f4ng tin <\/span><b><i>l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec<\/i><\/b><span style=\"font-weight: 500;\"> \u0111ang khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi b\u0103n kho\u0103n. Trong b\u00e0i vi\u1ebft n\u00e0y, <\/span><a href=\"https:\/\/bvote.vn\/\"><b>BVOTE<\/b><\/a><span style=\"font-weight: 500;\"> s\u1ebd gi\u00fap b\u1ea1n t\u00ecm hi\u1ec3u v\u1ec1 kh\u00e1i ni\u1ec7m l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u. \u0110\u1ed3ng th\u1eddi c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch cho vi\u1ec7c \u0111\u1ea7u t\u01b0, kinh doanh c\u1ee7a m\u00ecnh.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee5c l\u1ee5c b\u00e0i vi\u1ebft<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Tim_hieu_lai_suat_chiet_khau_la_gi\" >T\u00ecm hi\u1ec3u l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Y_nghia_thuat_ngu_chiet_khau\" >\u00dd ngh\u0129a thu\u1eadt ng\u1eef chi\u1ebft kh\u1ea5u<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Vay_lai_suat_chiet_khau_la_gi\" >V\u1eady l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Cong_thuc_tinh_lai_suat_chiet_khau_chinh_xac\" >C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u ch\u00ednh x\u00e1c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Chi_phi_huy_dong_von\" >Chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Trung_binh_trong_so_chi_phoi_von\" >Trung b\u00ecnh tr\u1ecdng s\u1ed1 chi ph\u1ed1i v\u1ed1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Tac_dong_cua_lai_suat_chiet_khau_la_gi\" >T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Tac_dong_cua_lai_suat_chiet_khau_doi_voi_cac_ngan_hang_thuong_mai_la_gi\" >T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Tac_dong_cua_lai_suat_chiet_khau_voi_ngan_hang_trung_uong\" >T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u1edbi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bvote.vn\/blog\/lai-suat-chiet-khau-la-gi\/#Loi_ket\" >L\u1eddi k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tim_hieu_lai_suat_chiet_khau_la_gi\"><\/span><b>T\u00ecm hi\u1ec3u l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Y_nghia_thuat_ngu_chiet_khau\"><\/span><b>\u00dd ngh\u0129a thu\u1eadt ng\u1eef chi\u1ebft kh\u1ea5u<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Chi\u1ebft kh\u1ea5u &#8211; Discount trong kinh doanh th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c gi\u1ea3m gi\u00e1 b\u00e1n so v\u1edbi gi\u00e1 ban \u0111\u1ea7u ni\u00eam y\u1ebft c\u1ee7a 1 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 c\u1ee7a doanh nghi\u1ec7p. M\u1ee9c gi\u00e1 gi\u1ea3m n\u00e0y th\u01b0\u1eddng t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m nh\u1ea5t \u0111\u1ecbnh.<\/span><\/p>\n<figure id=\"attachment_271\" aria-describedby=\"caption-attachment-271\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-271\" src=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-3.jfif_.jpg\" alt=\"Discount - gi\u1ea3m gi\u00e1 c\u00f3 \u00fd ngh\u0129a r\u1ea5t l\u1edbn v\u1edbi n\u1ec1n kinh t\u1ebf\" width=\"800\" height=\"391\" title=\"\" srcset=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-3.jfif_.jpg 800w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-3.jfif_-300x147.jpg 300w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-3.jfif_-768x375.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-271\" class=\"wp-caption-text\">Discount &#8211; gi\u1ea3m gi\u00e1 c\u00f3 \u00fd ngh\u0129a r\u1ea5t l\u1edbn v\u1edbi n\u1ec1n kinh t\u1ebf<\/figcaption><\/figure>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">B\u1ea1n c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01a1n gi\u1ea3n, chi\u1ebft kh\u1ea5u ch\u00ednh l\u00e0 m\u1ed9t kho\u1ea3n tr\u1ee3 c\u1ea5p, ph\u1ee5 c\u1ea5p ho\u1eb7c nh\u01b0\u1ee3ng b\u1ed9 v\u1ec1 gi\u00e1 c\u1ea3.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh chi\u1ebft kh\u1ea5u n\u00e0y \u0111\u01b0\u1ee3c \u0111\u01b0a ra \u0111\u1ec3 thu h\u00fat ng\u01b0\u1eddi mua, thanh to\u00e1n. Trong qu\u00e1 tr\u00ecnh kinh doanh, vi\u1ec7c chi\u1ebft kh\u1ea5u n\u00e0y r\u1ea5t quan tr\u1ecdng gi\u00fap th\u00fac \u0111\u1ea9y doanh s\u1ed1 b\u00e1n h\u00e0ng.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Vay_lai_suat_chiet_khau_la_gi\"><\/span><b>V\u1eady l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u hi\u1ec3u \u0111\u01a1n gi\u1ea3n ch\u00ednh l\u00e0 l\u00e3i su\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng (NH\u00a0 Nh\u00e0 n\u01b0\u1edbc) \u0111\u00e1nh v\u00e0o kho\u1ea3n ti\u1ec1n cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00e1c vay. T\u1eeb \u0111\u00f3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay ti\u1ec1n m\u1eb7t ng\u1eafn h\u1ea1n, ho\u1eb7c l\u00e0 chi tr\u1ea3 b\u1ea5t th\u01b0\u1eddng cho nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng l\u1ea7m t\u01b0\u1edfng l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u n\u00e0y h\u01b0\u1edbng t\u1edbi ng\u01b0\u1eddi vay. Nh\u01b0ng kh\u00f4ng ph\u1ea3i v\u1eady, n\u00f3 l\u00e0 h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng vay l\u00e0 ng\u00e2n h\u00e0ng kh\u00e1c. H\u1ecd s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng chi\u1ebft kh\u1ea5u theo quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Th\u00f4ng th\u01b0\u1eddng vi\u1ec7c n\u00e0y di\u1ec5n ra khu t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n. L\u00fac n\u00e0y, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd ti\u1ebfn h\u00e0nh vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 tr\u00e1nh t\u00ecnh hu\u1ed1ng kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n qu\u00e1 m\u1ee9c ti\u1ec1n d\u1ef1 tr\u1eef \u0111ang c\u00f3.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01a1n gi\u1ea3n l\u00e0 l\u00e3i chi\u1ebft kh\u1ea5u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 quan tr\u1ecdng trong ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7. N\u00f3 l\u00e0 c\u0103n c\u1ee9 h\u1eefu \u00edch \u0111\u1ed1i v\u1edbi c\u1ea3 ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang ho\u1ea1t \u0111\u1ed9ng \u1edf th\u1eddi \u0111i\u1ec3m n\u00e0y.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cong_thuc_tinh_lai_suat_chiet_khau_chinh_xac\"><\/span><b>C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u ch\u00ednh x\u00e1c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_269\" aria-describedby=\"caption-attachment-269\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-269\" src=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-1.jpg\" alt=\"D\u1ef1a v\u00e0o c\u00f4ng th\u1ee9c, b\u1ea1n c\u00f3 th\u1ec3 t\u00ednh ra l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u\" width=\"800\" height=\"533\" title=\"\" srcset=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-1.jpg 800w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-1-300x200.jpg 300w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-269\" class=\"wp-caption-text\">D\u1ef1a v\u00e0o c\u00f4ng th\u1ee9c, b\u1ea1n c\u00f3 th\u1ec3 t\u00ednh ra l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u trong th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n (funding cost)<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Trung b\u00ecnh tr\u1ecdng s\u1ed1 chi ph\u00ed v\u1ed1n (Weighted Average Cost of Capital, WACC)<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang ta h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u chi ti\u1ebft v\u1ec1 nh\u1eefng th\u00f4ng s\u1ed1 n\u00e0y nh\u00e9.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Chi_phi_huy_dong_von\"><\/span><b>Chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">L\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f4i khi \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng chi ph\u00ed g\u1ecdi v\u1ed1n. \u0110\u00e2y l\u00e0 t\u1ef7 l\u1ec7 l\u1ee3i t\u1ee9c ng\u01b0\u1eddi b\u1ecf v\u1ed1n mong mu\u1ed1n c\u00f3 th\u1ec3 thu l\u1ea1i t\u1eeb vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o d\u1ef1 \u00e1n. N\u00f3i c\u00e1ch kh\u00e1c, l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u ch\u00ednh l\u00e0 chi ph\u00ed s\u1eed d\u1ee5ng v\u1ed1n hay chi ph\u00ed c\u01a1 h\u1ed9i c\u1ee7a v\u1ed1n \u0111\u00f3.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">&gt;&gt; <\/span><a href=\"https:\/\/bvote.vn\/blog\/co-phieu-phong-thu-la-gi\/\"><b>C\u1ed5 phi\u1ebfu ph\u00f2ng th\u1ee7 l\u00e0 g\u00ec?<\/b><\/a><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Trung_binh_trong_so_chi_phoi_von\"><\/span><b>Trung b\u00ecnh tr\u1ecdng s\u1ed1 chi ph\u1ed1i v\u1ed1n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">WACC = chi ph\u00ed s\u1eed d\u1ee5ng v\u1ed1n trung b\u00ecnh c\u1ee7a doanh nghi\u1ec7p<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng trong th\u1ef1c t\u1ebf s\u1ebd s\u1eed d\u1ee5ng v\u1ed1n v\u1edbi 2 ngu\u1ed3n g\u1ecdi ch\u00ednh:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Vay th\u01b0\u01a1ng m\u1ea1i<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">V\u1ed1n g\u00f3p c\u1ed5 \u0111\u00f4ng<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">WACC c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n chi ti\u1ebft b\u1eb1ng c\u00e1ch t\u00ednh trung b\u00ecnh c\u1ed9ng c\u1ee7a hai ngu\u1ed3n v\u1ed1n tr\u00ean. C\u00f4ng th\u1ee9c c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">WACC = re * E\/(E+D) + rD(1-TC)* D\/(E+D)<\/span><\/p>\n<figure id=\"attachment_270\" aria-describedby=\"caption-attachment-270\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-270\" src=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-2.jpg\" alt=\"C\u00e1c ch\u1ec9 s\u1ed1 kh\u00e1c nhau mang t\u1ea7m \u1ea3nh h\u01b0\u1edfng kh\u00e1c nhau\" width=\"800\" height=\"799\" title=\"\" srcset=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-2.jpg 800w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-2-300x300.jpg 300w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-2-150x150.jpg 150w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-2-768x767.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-270\" class=\"wp-caption-text\">C\u00e1c ch\u1ec9 s\u1ed1 kh\u00e1c nhau mang t\u1ea7m \u1ea3nh h\u01b0\u1edfng kh\u00e1c nhau<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Trong \u0111\u00f3: C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n nh\u01b0 sau:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">re: t\u1ef7 su\u1ea5t thu nh\u1eadp mong mu\u1ed1n c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 g\u00ec.<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">rD: L\u00e3i su\u1ea5t mong mu\u1ed1n c\u1ee7a ch\u1ee7 n\u1ee3 khi cho vay.<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">E: Gi\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ed5 ph\u1ea7n c\u1ee7a c\u00f4ng ty l\u00e0 g\u00ec.<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">D: Gi\u00e1 th\u1ecb tr\u01b0\u1eddng n\u1ee3 c\u1ee7a doanh nghi\u1ec7p l\u00e0 g\u00ec.<\/span><\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">TC: Thu\u1ebf su\u1ea5t thu\u1ebf thu nh\u1eadp c\u1ee7a doanh nghi\u1ec7p l\u00e0 g\u00ec.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tac_dong_cua_lai_suat_chiet_khau_la_gi\"><\/span><b>T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">B\u1ea3n ch\u1ea5t c\u1ee7a l\u00e3i su\u1ea5t n\u00e0y cho th\u1ea5y vai tr\u00f2 r\u00f5 r\u00e0ng c\u1ee7a n\u00f3 l\u00e0 g\u00ec. \u0110\u1eb7c bi\u1ec7t c\u1ee5 th\u1ec3 trong n\u1ec1n kinh t\u1ebf c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y c\u00f9ng t\u00ecm hi\u1ec3u chi ti\u1ebft v\u1ec1 c\u00e1c t\u00e1c \u0111\u1ed9ng trong th\u1ef1c t\u1ebf c\u1ee7a n\u00f3 nh\u00e9.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tac_dong_cua_lai_suat_chiet_khau_doi_voi_cac_ngan_hang_thuong_mai_la_gi\"><\/span><b>T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">M\u1ee9c l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u do ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng quy \u0111\u1ecbnh s\u1ebd mang t\u1edbi nhi\u1ec1u t\u00e1c \u0111\u1ed9ng l\u1edbn. H\u01a1n h\u1ebft nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y lu\u00f4n lu\u00f4n theo d\u00f5i, c\u1eadp nh\u1eadt s\u00e1t sao m\u1ee9c l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u li\u00ean t\u1ee5c.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">M\u1ee9c l\u00e3i su\u1ea5t n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. N\u00f3 gi\u00fap h\u1ecd \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c gi\u1ea3m, t\u0103ng t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef \u1edf t\u1eebng th\u1eddi \u0111i\u1ec3m.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">&gt;&gt; Xem th\u00eam: <\/span><a href=\"https:\/\/bvote.vn\/blog\/co-phieu-chu-ky-la-gi\/\"><b>C\u1ed5 phi\u1ebfu chu k\u1ef3 l\u00e0 g\u00ec?<\/b><\/a><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tac_dong_cua_lai_suat_chiet_khau_voi_ngan_hang_trung_uong\"><\/span><b>T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u1edbi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Ngo\u00e0i vi\u1ec7c t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng. Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1ebd \u0111\u1ee9ng ra quy \u0111\u1ecbnh l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u \u0111\u1ec3 \u0111i\u1ec1u ti\u1ebft ngu\u1ed3n cung ti\u1ec1n.<\/span><\/p>\n<figure id=\"attachment_272\" aria-describedby=\"caption-attachment-272\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-272\" src=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-4.jpg\" alt=\"N\u00f3 c\u0169ng \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u \u0111\u1ebfn ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng\" width=\"800\" height=\"611\" title=\"\" srcset=\"https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-4.jpg 800w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-4-300x229.jpg 300w, https:\/\/bvote.vn\/blog\/wp-content\/uploads\/2023\/01\/Lai-suat-chiet-khau-la-gi-4-768x587.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-272\" class=\"wp-caption-text\">N\u00f3 c\u0169ng \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u \u0111\u1ebfn ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">N\u1ebfu ng\u00e2n h\u00e0ng mu\u1ed1n t\u0103ng l\u01b0\u1ee3ng cung ti\u1ec1n th\u00ec s\u1ebd gi\u1ea3m l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u. V\u00e0 ng\u01b0\u1ee3c l\u1ea1i, m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u0103ng l\u00ean khi ng\u00e2n h\u00e0ng mu\u1ed1n gi\u1ea3m l\u01b0\u1ee3ng cung ti\u1ec1n. Nguy\u00ean nh\u00e2n l\u00e0 khi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd gi\u1ea3m m\u1ee9c cho vay l\u1ea1i.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Loi_ket\"><\/span><b>L\u1eddi k\u1ebft<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Nh\u01b0 v\u1eady BVOTE \u0111\u00e3 cung c\u1ea5p cho b\u1ea1n nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft v\u1ec1 l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec. C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 c\u00f4ng th\u1ee9c, c\u00e1ch t\u00ednh c\u0169ng nh\u01b0 t\u1ea7m \u1ea3nh h\u01b0\u1edfng c\u1ee7a n\u00f3.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 500;\">Hi\u1ec7n t\u1ea1i, BVOTE \u0111ang cung c\u1ea5p <\/span><a href=\"https:\/\/bvote.vn\/hop-co-dong-truc-tuyen\"><b>ph\u1ea7n m\u1ec1m h\u1ecdp online<\/b><\/a><span style=\"font-weight: 500;\">, <\/span><a href=\"https:\/\/bvote.vn\/bo-phieu-online\"><span style=\"font-weight: 500;\">b\u1ecf phi\u1ebfu online<\/span><\/a><span style=\"font-weight: 500;\">. \u0110\u00e2y \u0111\u1ec1u l\u00e0 nh\u1eefng ph\u1ea7n m\u1ec1m h\u1eefu \u00edch \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p. N\u1ebfu b\u1ea1n c\u00f3 nhu c\u1ea7u s\u1eed d\u1ee5ng, h\u00e3y li\u00ean h\u1ec7 v\u1edbi BVOTE \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n k\u1ef9 h\u01a1n nh\u00e9.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Th\u00f4ng tin l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0 g\u00ec \u0111ang khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi b\u0103n kho\u0103n. Trong b\u00e0i vi\u1ebft n\u00e0y, BVOTE s\u1ebd gi\u00fap b\u1ea1n t\u00ecm hi\u1ec3u v\u1ec1 kh\u00e1i ni\u1ec7m l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u. \u0110\u1ed3ng th\u1eddi c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch cho vi\u1ec7c \u0111\u1ea7u t\u01b0, kinh doanh c\u1ee7a m\u00ecnh. T\u00ecm hi\u1ec3u l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u l\u00e0&#8230;<\/p>\n","protected":false},"author":1,"featured_media":268,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc"],"_links":{"self":[{"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/posts\/267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/comments?post=267"}],"version-history":[{"count":1,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/posts\/267\/revisions"}],"predecessor-version":[{"id":273,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/posts\/267\/revisions\/273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/media\/268"}],"wp:attachment":[{"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/media?parent=267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/categories?post=267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bvote.vn\/blog\/wp-json\/wp\/v2\/tags?post=267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}