{"id":987,"date":"2025-06-23T15:29:55","date_gmt":"2025-06-23T08:29:55","guid":{"rendered":"https:\/\/lbu.fsb.edu.vn\/mba\/?p=987"},"modified":"2026-03-11T17:12:00","modified_gmt":"2026-03-11T10:12:00","slug":"giu-vung-tay-cheo-giua-song-lon-quan-tri-rui-ro-trong-thoi-ky-bien-dong","status":"publish","type":"post","link":"https:\/\/lbu.fsb.edu.vn\/mba\/giu-vung-tay-cheo-giua-song-lon-quan-tri-rui-ro-trong-thoi-ky-bien-dong\/","title":{"rendered":"Gi\u1eef v\u1eefng tay ch\u00e8o gi\u1eefa s\u00f3ng l\u1edbn: Qu\u1ea3n tr\u1ecb r\u1ee7i ro trong th\u1eddi k\u1ef3 bi\u1ebfn \u0111\u1ed9ng"},"content":{"rendered":"

Nh\u1eefng t\u1ed5 ch\u1ee9c c\u00f3 v\u0103n h\u00f3a qu\u1ea3n tr\u1ecb r\u1ee7i ro m\u1ea1nh m\u1ebd s\u1ebd v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1eb3n c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh v\u1ec1 l\u00e2u d\u00e0i trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c c\u00fa s\u1ed1c.<\/strong><\/p>\n

Kh\u00f4ng bi\u1ebft c\u00e1c b\u1ea1n c\u00f3 c\u1ea3m gi\u00e1c gi\u1ed1ng t\u00f4i kh\u00f4ng, d\u01b0\u1eddng nh\u01b0 nh\u1eefng \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d \u0111ang di\u1ec5n ra th\u01b0\u1eddng xuy\u00ean h\u01a1n tr\u00ean to\u00e0n c\u1ea7u?<\/em><\/p>\n

C\u0103ng th\u1eb3ng th\u01b0\u01a1ng m\u1ea1i M\u1ef9 \u2013 Trung n\u0103m 2019, \u0111\u1ea1i d\u1ecbch Covid b\u00f9ng ph\u00e1t n\u0103m 2020, t\u1eafc ngh\u1ebdn k\u00eanh \u0111\u00e0o Suez n\u0103m 2021, xung \u0111\u1ed9t \u0111\u1ecba ch\u00ednh tr\u1ecb leo thang gi\u1eefa Nga v\u00e0 Ukraine n\u0103m 2022 v\u00e0 cu\u1ed9c kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng M\u1ef9 n\u0103m 2023 \u0111\u1ec1u \u0111\u01b0\u1ee3c li\u1ec7t v\u00e0o d\u1ea1ng \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d.<\/p>\n

M\u1ed7i s\u1ef1 ki\u1ec7n x\u1ea3y ra \u0111\u1ec1u g\u00e2y ra nh\u1eefng gi\u00e1n \u0111o\u1ea1n cho doanh nghi\u1ec7p to\u00e0n c\u1ea7u, c\u0169ng \u0111\u1ed3ng th\u1eddi nh\u1ea5n m\u1ea1nh nhu c\u1ea7u ng\u00e0y c\u00e0ng c\u1ea5p thi\u1ebft c\u1ee7a vi\u1ec7c qu\u1ea3n tr\u1ecb r\u1ee7i ro ch\u1eb7t ch\u1ebd v\u00e0 c\u1ee7ng c\u1ed1 s\u1ee9c b\u1ec1n cho doanh nghi\u1ec7p.<\/p>\n

N\u0103m nay, \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d m\u1edbi nh\u1ea5t v\u1eeba xu\u1ea5t hi\u1ec7n v\u00e0o th\u00e1ng 4 khi M\u1ef9 c\u00f4ng b\u1ed1 m\u1ee9c thu\u1ebf \u0111\u1ed1i \u1ee9ng \u00e1p d\u1ee5ng cho Vi\u1ec7t Nam l\u00e0 46% \u2013 m\u1ed9t m\u1ee9c cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi d\u1ef1 \u0111o\u00e1n c\u1ee7a nhi\u1ec1u chuy\u00ean gia. T\u1edd The Economist m\u1edf \u0111\u1ea7u b\u00e0i vi\u1ebft ng\u00e0y 3\/4 c\u1ee7a h\u1ecd b\u1eb1ng m\u1ed9t c\u00e2u n\u00f3i gi\u1ea3n \u0111\u01a1n v\u00e0 th\u1eb3ng th\u1eafn:\u00a0\u201cCh\u1eb3ng m\u1ea5y ai ng\u1edd \u00f4ng \u1ea5y c\u00f3 th\u1ec3 \u0111\u1ea9y t\u00ecnh h\u00ecnh \u0111i xa \u0111\u1ebfn v\u1eady\u201d<\/em>.<\/p>\n

Theo Kh\u1ea3o s\u00e1t HSBC Global Trade Pulse m\u1edbi c\u00f4ng b\u1ed1 g\u1ea7n \u0111\u00e2y, ngay c\u1ea3 khi m\u1ee9c thu\u1ebf v\u00e0 th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng cu\u1ed1i c\u00f9ng v\u1eabn ch\u01b0a r\u00f5 r\u00e0ng, c\u00e1c doanh nghi\u1ec7p \u0111\u00e3 b\u1eaft \u0111\u1ea7u c\u1ea3m nh\u1eadn \u0111\u01b0\u1ee3c t\u00e1c \u0111\u1ed9ng.<\/p>\n

80% doanh nghi\u1ec7p Vi\u1ec7t Nam tham gia kh\u1ea3o s\u00e1t \u0111\u00e3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi t\u00ecnh tr\u1ea1ng chi ph\u00ed gia t\u0103ng. 75% d\u1ef1 \u0111o\u00e1n t\u00ecnh tr\u1ea1ng n\u00e0y c\u00f2n k\u00e9o d\u00e0i trong trung h\u1ea1n. Nhi\u1ec1u doanh nghi\u1ec7p tham gia kh\u1ea3o s\u00e1t \u0111ang c\u00e2n nh\u1eafc thay \u0111\u1ed5i tr\u1ecdng t\u00e2m v\u1ec1 th\u1ecb tr\u01b0\u1eddng m\u1ee5c ti\u00eau c\u0169ng nh\u01b0 c\u1ee7ng c\u1ed1 ho\u1ea1t \u0111\u1ed9ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi bi\u1ebfn \u0111\u1ed9ng. 76% doanh nghi\u1ec7p l\u1ea1c quan nh\u00ecn nh\u1eadn t\u00ecnh h\u00ecnh theo h\u01b0\u1edbng t\u00edch c\u1ef1c, h\u1ecd th\u1ea5y kh\u00f3 kh\u0103n v\u1ec1 thu\u1ebf quan c\u00e0ng khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o \u0111\u1ec3 c\u1ee7ng c\u1ed1 s\u1ee9c b\u1ec1n trong t\u01b0\u01a1ng lai.<\/p>\n

Vi\u1ec7n T\u00e0i ch\u00ednh doanh nghi\u1ec7p (CFI) \u0111\u1ecbnh ngh\u0129a \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d l\u00e0 \u201cm\u1ed9t s\u1ef1 ki\u1ec7n \u0111\u1eb7c bi\u1ec7t ti\u00eau c\u1ef1c ho\u1eb7c kh\u00f3 l\u01b0\u1eddng \u0111\u1ebfn m\u1ee9c kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng x\u1ea3y ra\u201d. M\u1eb7c d\u00f9 v\u1ed1n \u0111\u01b0\u1ee3c coi l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng hi\u1ebfm g\u1eb7p, c\u00e1c \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d x\u1ea3y ra g\u1ea7n \u0111\u00e2y g\u1ea7n nh\u01b0 c\u00f3 th\u1ec3 d\u1ef1 b\u00e1o \u0111\u01b0\u1ee3c trong m\u1ed9t th\u1ebf gi\u1edbi b\u1ea5t \u0111\u1ecbnh. V\u1edbi nh\u1eefng doanh nghi\u1ec7p c\u00f3 ho\u1ea1t \u0111\u1ed9ng to\u00e0n c\u1ea7u, s\u1ef1 th\u1eadt n\u00e0y \u0111\u00f2i h\u1ecfi c\u00e1ch nh\u00ecn m\u1edbi \u0111\u1ec3 th\u1ea5u hi\u1ec3u v\u00e0 qu\u1ea3n l\u00fd c\u00e1c r\u1ee7i ro.<\/p>\n

M\u1eb7c d\u00f9 c\u00f3 nhi\u1ec1u r\u1ee7i ro c\u0169ng nh\u01b0 c\u00e1c m\u1ea3ng c\u1ea7n l\u01b0u t\u00e2m ri\u00eang \u0111\u1ed1i v\u1edbi m\u1ed7i doanh nghi\u1ec7p, t\u00f4i s\u1ebd \u0111i s\u00e2u v\u00e0o ba v\u00ed d\u1ee5 v\u1ec1 c\u00e1ch c\u00e1c c\u00f4ng ty c\u00f3 th\u1ec3 gia t\u0103ng s\u1ee9c b\u1ec1n v\u00e0 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng cho ho\u1ea1t \u0111\u1ed9ng kinh doanh: r\u1ee7i ro t\u00edn d\u1ee5ng \u0111\u1ed1i t\u00e1c trong th\u01b0\u01a1ng m\u1ea1i, bi\u1ebfn \u0111\u1ed9ng ngo\u1ea1i t\u1ec7 v\u00e0 qu\u1ea3n tr\u1ecb c\u0169ng nh\u01b0 ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9.<\/p>\n

R\u1ee7i ro \u0111\u1ed1i t\u00e1c<\/strong>
\nChu\u1ed7i cung \u1ee9ng ng\u00e0y c\u00e0ng tr\u1edf n\u00ean to\u00e0n c\u1ea7u h\u00f3a v\u00e0 c\u0169ng \u0111\u1ed3ng th\u1eddi tr\u1edf n\u00ean d\u1ec5 b\u1ecb \u1ea3nh h\u01b0\u1edfng. Ch\u1ec9 c\u1ea7n m\u1ed9t m\u1eaft x\u00edch suy y\u1ebfu, c\u00f3 th\u1ec3 l\u00e0 nh\u00e0 cung c\u1ea5p g\u1eb7p c\u0103ng th\u1eb3ng t\u00e0i ch\u00ednh, \u0111\u1ed1i t\u00e1c logistics v\u01b0\u1edbng r\u1eafc r\u1ed1i ph\u00e1p l\u00fd ho\u1eb7c b\u00ean mua ch\u1eadm thanh to\u00e1n, c\u0169ng c\u00f3 th\u1ec3 t\u1ea1o ra t\u00e1c \u0111\u1ed9ng r\u00f5 r\u1ec7t cho ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n

Trong th\u1ebf gi\u1edbi ng\u00e0y c\u00e0ng b\u1ea5t \u0111\u1ecbnh h\u01a1n, ch\u00fang ta c\u00f3 th\u1ec3 th\u1ea5y tranh ch\u1ea5p v\u1ec1 th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf c\u0169ng gia t\u0103ng. R\u1ee7i ro t\u00edn d\u1ee5ng \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 l\u1ed3ng gh\u00e9p trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nhi\u1ec1u ph\u00f2ng ch\u1ee9c n\u0103ng, t\u1eeb t\u00e0i ch\u00ednh, chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ebfn kinh doanh, ch\u1ee9 kh\u00f4ng ch\u1ec9 h\u1ea1n ch\u1ebf \u1edf quy tr\u00ecnh c\u1ee7a kh\u1ed1i v\u0103n ph\u00f2ng h\u1ed7 tr\u1ee3.<\/p>\n

C\u00e1c c\u00f4ng ty n\u00ean c\u00e2n nh\u1eafc gi\u00e1m s\u00e1t \u1edf c\u1ea5p \u0111\u1ed9 danh m\u1ee5c: b\u1ea1n \u0111\u00e1nh gi\u00e1 r\u1ee7i ro \u0111\u1ed1i t\u00e1c nh\u01b0 th\u1ebf n\u00e0o, b\u1ea1n c\u00f3 t\u00ednh \u0111\u1ebfn lu\u1eadt ph\u00e1p s\u1edf t\u1ea1i c\u1ee7a b\u00ean mua kh\u00f4ng, \u0111\u00e2u l\u00e0 nh\u1eefng r\u1ee7i ro ph\u00e1t sinh th\u00eam trong th\u1eddi h\u1ea1n th\u01b0\u01a1ng m\u1ea1i d\u00e0i h\u01a1n v\u00e0 b\u1ea1n c\u00f3 theo d\u00f5i m\u1ee9c \u0111\u1ed9 t\u1eadp trung r\u1ee7i ro gi\u1eefa c\u00e1c b\u00ean v\u00e0 qu\u1ed1c gia kh\u00f4ng.<\/p>\n

Ng\u00e2n h\u00e0ng c\u00f3 vai tr\u00f2 nh\u1ea5t \u0111\u1ecbnh trong h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh doanh m\u00e0 kh\u00f4ng l\u00e0m gia t\u0103ng r\u00f5 r\u1ec7t r\u1ee7i ro \u0111\u1ed1i t\u00e1c.<\/p>\n

Ch\u1eb3ng h\u1ea1n, nghi\u00ean c\u1ee9u l\u1ea1i nh\u1eefng c\u00f4ng c\u1ee5 th\u01b0\u01a1ng m\u1ea1i truy\u1ec1n th\u1ed1ng nh\u01b0 th\u01b0 t\u00edn d\u1ee5ng hay b\u1ea3o l\u00e3nh h\u1ed1i phi\u1ebfu, c\u00f3 th\u1ec3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 r\u1ee7i ro kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c thanh to\u00e1n cho b\u00ean xu\u1ea5t kh\u1ea9u th\u00f4ng qua chuy\u1ebfn r\u1ee7i ro sang m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf \u1ed5n \u0111\u1ecbnh h\u01a1n.<\/p>\n

C\u00e1ch l\u00e0m n\u00e0y gi\u00fap b\u1ea3o v\u1ec7 doanh nghi\u1ec7p c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed1i t\u00e1c c\u1ee7a b\u1ea1n g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 d\u00f2ng ti\u1ec1n do nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh trong th\u01b0\u01a1ng m\u1ea1i to\u00e0n c\u1ea7u. Trong qu\u00e1 tr\u00ecnh trao \u0111\u1ed5i v\u1edbi ng\u00e2n h\u00e0ng v\u1ec1 t\u00e0i tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i, b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 kh\u00e1m ph\u00e1 nhi\u1ec1u c\u00f4ng c\u1ee5 gi\u1ea3m thi\u1ec3u r\u1ee7i ro h\u1eefu \u00edch \u0111\u1ed3ng th\u1eddi c\u00f3 kh\u1ea3 n\u0103ng khai m\u1edf ngu\u1ed3n v\u1ed1n l\u01b0u \u0111\u1ed9ng.<\/p>\n

R\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1<\/strong>
\nN\u1ebfu r\u1ee7i ro \u0111\u1ed1i t\u00e1c th\u01b0\u1eddng di\u1ec5n ra t\u1eeb t\u1eeb, r\u1ee7i ro ngo\u1ea1i h\u1ed1i c\u00f3 th\u1ec3 x\u1ea3y ra nh\u01b0 m\u1ed9t tr\u1eadn \u0111\u1ed9ng \u0111\u1ea5t: \u0111\u1ed9t ng\u1ed9t, g\u00e2y s\u1ed1c v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng g\u00e2y t\u00e0n ph\u00e1. Bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1 ti\u1ec1n t\u1ec7 c\u00f3 th\u1ec3 g\u00e2y x\u00f3i m\u00f2n bi\u00ean l\u1ee3i nhu\u1eadn v\u00e0 l\u00e0m nhi\u1ec5u c\u00e1c d\u1ef1 b\u00e1o, th\u1eadm ch\u00ed \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u1ed3ng ti\u1ec1n c\u00f3 v\u1ebb \u1ed5n \u0111\u1ecbnh.<\/p>\n

N\u0103m 2022, \u0111\u1ed3ng Y\u00ean Nh\u1eadt xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t trong v\u00f2ng 38 n\u0103m so v\u1edbi USD, gi\u1ea3m h\u01a1n 25% ch\u1ec9 trong v\u00e0i th\u00e1ng khi Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Nh\u1eadt B\u1ea3n (BOJ) ki\u00ean tr\u00ec theo \u0111u\u1ed5i ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 si\u00eau n\u1edbi l\u1ecfng trong khi C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang M\u1ef9 ki\u00ean quy\u1ebft t\u0103ng l\u00e3i su\u1ea5t. Ngay c\u1ea3 \u0111\u1ed3ng Nh\u00e2n d\u00e2n t\u1ec7 t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh c\u1ee7a Trung Qu\u1ed1c c\u0169ng m\u1ea5t gi\u00e1 h\u1ed3i th\u00e1ng 4 n\u0103m nay, xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2023.<\/p>\n

Nh\u1eefng bi\u1ebfn \u0111\u1ed9ng n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 con s\u1ed1 tr\u00ean l\u00fd thuy\u1ebft. N\u1ebfu kh\u00f4ng c\u00f3 gi\u1ea3i ph\u00e1p ph\u00f2ng ng\u1eeba t\u1ef1 nhi\u00ean gi\u1eefa c\u00e1c lo\u1ea1i ti\u1ec1n t\u1ec7 c\u1ee7a doanh thu v\u00e0 chi ph\u00ed h\u00e0ng h\u00f3a, bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1 c\u00f3 th\u1ec3 g\u00e2y ra bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh v\u00e0 \u0111\u1ed9t ng\u1ed9t v\u1ec1 l\u1ee3i nhu\u1eadn. V\u1edbi nh\u1eefng c\u00f4ng ty c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn h\u1eb9p ho\u1eb7c chu k\u1ef3 h\u1ee3p \u0111\u1ed3ng d\u00e0i, nh\u1eefng bi\u1ebfn \u0111\u1ed9ng nh\u01b0 v\u1eady c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i v\u00e0 l\u1ed7.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, nhi\u1ec1u c\u00f4ng ty v\u1eabn ch\u01b0a c\u00f3 gi\u1ea3i ph\u00e1p ph\u00f2ng ng\u1eeba r\u1ee7i ro n\u00e0y.<\/p>\n

Theo Kh\u1ea3o s\u00e1t Qu\u1ea3n tr\u1ecb r\u1ee7i ro doanh nghi\u1ec7p n\u0103m 2024 c\u1ee7a HSBC, 47% nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh doanh nghi\u1ec7p cho bi\u1ebft, t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd kh\u00f4ng s\u1eb5n s\u00e0ng tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn t\u1ef7 gi\u00e1 ngo\u1ea1i h\u1ed1i, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro n\u00e0y cao h\u01a1n r\u1ee7i ro chu\u1ed7i cung \u1ee9ng (35%) ho\u1eb7c r\u1ee7i ro kh\u00ed h\u1eadu (34%) khi x\u1ebfp h\u1ea1ng nh\u1eefng r\u1ee7i ho h\u00e0ng \u0111\u1ea7u.<\/p>\n

H\u01a1n 40% doanh nghi\u1ec7p tham gia kh\u1ea3o s\u00e1t b\u1ecb gi\u1ea3m thu nh\u1eadp do kh\u00f4ng ph\u00f2ng v\u1ec7 r\u1ee7i ro t\u1ef7 gi\u00e1.<\/p>\n

Gi\u1ea3i ph\u00e1p \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1 th\u00ec c\u00f3 s\u1eb5n t\u1eeb l\u00e2u nh\u01b0ng th\u01b0\u1eddng b\u1ecb ng\u00f3 l\u01a1. Giao d\u1ecbch ngo\u1ea1i t\u1ec7 k\u1ef3 h\u1ea1n, h\u1ee3p \u0111\u1ed3ng theo t\u1ef7 gi\u00e1 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh trong t\u01b0\u01a1ng lai, l\u00e0 c\u00f4ng c\u1ee5 ph\u00f2ng ng\u1eeba r\u1ee7i ro ti\u1ec1n t\u1ec7 ph\u1ed5 bi\u1ebfn nh\u1ea5t, \u1ea5n \u0111\u1ecbnh t\u1ef7 gi\u00e1 t\u1ea1i th\u1eddi \u0111i\u1ec3m giao d\u1ecbch m\u00e0 kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n.<\/p>\n

\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh c\u1ea7n xem l\u1ea1i to\u00e0n b\u1ed9 chi\u1ebfn l\u01b0\u1ee3c t\u1ef7 gi\u00e1 c\u1ee7a c\u00f4ng ty. Trong tr\u01b0\u1eddng h\u1ee3p \u201cm\u1ea5t b\u00f2 m\u1edbi lo l\u00e0m chu\u1ed3ng\u201d, c\u00e1c gi\u1ea3i ph\u00e1p ph\u00f2ng ng\u1eeba ri\u00eang l\u1ebb th\u01b0\u1eddng t\u1ed1n k\u00e9m trong khi m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c t\u1ef7 gi\u00e1 nghi\u00eam t\u00fac t\u1eadp trung v\u00e0o \u1ed5n \u0111\u1ecbnh bi\u00ean l\u1ee3i nhu\u1eadn thay v\u00ec ch\u1ea1y theo d\u1ef1 b\u00e1o c\u1ee7a th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u1ec3 s\u1ebd mang l\u1ea1i hi\u1ec7u qu\u1ea3 b\u1ec1n v\u1eefng h\u01a1n qua th\u1eddi gian.<\/p>\n

Qu\u1ea3n tr\u1ecb: M\u1ed1i nguy n\u1ed9i sinh<\/strong>
\nM\u1eb7c d\u00f9 nh\u1eefng c\u00fa s\u1ed1c b\u00ean ngo\u00e0i th\u01b0\u1eddng thu h\u00fat s\u1ef1 ch\u00fa \u00fd nhi\u1ec1u h\u01a1n, m\u1ed9t v\u00e0i r\u1ee7i ro nghi\u00eam tr\u1ecdng nh\u1ea5t l\u1ea1i b\u1eaft ngu\u1ed3n t\u1eeb b\u00ean trong doanh nghi\u1ec7p. Nh\u1eefng th\u1ea5t b\u1ea1i trong qu\u1ea3n tr\u1ecb, t\u1eeb gian l\u1eadn c\u00f4ng khai \u0111\u1ebfn l\u1ed7i v\u1eadn h\u00e0nh, c\u00f3 th\u1ec3 l\u00e0m doanh nghi\u1ec7p suy s\u1ee5p nhanh h\u01a1n c\u1ea3 suy tho\u00e1i th\u1ecb tr\u01b0\u1eddng.<\/p>\n

S\u1ef1 ki\u1ec7n g\u00e2y ch\u1ea5n \u0111\u1ed9ng g\u1ea7n \u0111\u00e2y li\u00ean quan \u0111\u1ebfn m\u1ed9t c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 nhi\u1ec1u t\u1ef7 USD l\u00e0 m\u1ed9t v\u00ed d\u1ee5 r\u1ea5t \u0111i\u1ec3n h\u00ecnh. C\u00e1c cu\u1ed9c \u0111i\u1ec1u tra n\u1ed9i b\u1ed9 cho th\u1ea5y doanh thu th\u01b0\u1eddng xuy\u00ean b\u1ecb \u201cth\u1ed5i ph\u1ed3ng\u201d, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng k\u00fd l\u00f9i ng\u00e0y v\u00e0 ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 y\u1ebfu k\u00e9m. Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i \u00f4m nh\u1eefng t\u1ed5n th\u1ea5t n\u1eb7ng n\u1ec1.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p th\u01b0\u1eddng \u0111\u01b0\u1ee3c coi l\u00e0 vi\u1ec7c ph\u1ea3i l\u00e0m nh\u1eb1m m\u1ee5c \u0111\u00edch tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt nhi\u1ec1u h\u01a1n l\u00e0 quy\u1ebft s\u00e1ch chi\u1ebfn l\u01b0\u1ee3c. V\u1ec1 c\u01a1 b\u1ea3n, r\u1ee7i ro qu\u1ea3n tr\u1ecb th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn s\u1ef1 ch\u00ednh tr\u1ef1c v\u00e0 s\u1ef1 v\u1eefng v\u00e0ng trong c\u01a1 c\u1ea5u \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o t\u01b0 duy ph\u1ea3n bi\u1ec7n \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p v\u1edbi c\u00e1c b\u01b0\u1edbc ki\u1ec3m so\u00e1t v\u00e0 quy tr\u00ecnh cho ph\u00e9p doanh nghi\u1ec7p v\u1eefng v\u00e0ng. Ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u2013 s\u1ef1 ph\u00e2n t\u00e1ch r\u00f5 r\u00e0ng nhi\u1ec7m v\u1ee5, ch\u1ebf \u0111\u1ed9 ph\u00ea duy\u1ec7t k\u00e9p v\u00e0 l\u1ecbch s\u1eed ki\u1ec3m to\u00e1n \u2013 \u0111\u00f3ng vai tr\u00f2 h\u1ebft s\u1ee9c thi\u1ebft y\u1ebfu.<\/p>\n

V\u0103n h\u00f3a r\u1ea5t c\u00f3 \u00fd ngh\u0129a \u1edf \u0111\u00e2y. T\u01b0 duy ph\u1ea3n bi\u1ec7n c\u0169ng quan tr\u1ecdng \u0111\u1ed1i v\u1edbi m\u1ecdi c\u1ea5p b\u1eadc. Trong b\u1ed1i c\u1ea3nh c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e0y c\u00e0ng coi tr\u1ecdng d\u1eef li\u1ec7u h\u01a1n, v\u1eabn c\u00f3 ng\u01b0\u1eddi mu\u1ed1n tr\u00ec ho\u00e3n d\u00f9ng b\u1ea3ng th\u00f4ng tin t\u1ed5ng qu\u00e1t v\u00e0 s\u1ed1 li\u1ec7u.<\/p>\n

Tuy nhi\u00ean, tr\u1ef1c gi\u00e1c v\u00e0 kinh nghi\u1ec7m l\u1ea1i c\u00f3 kh\u1ea3 n\u0103ng ph\u00e1t hi\u1ec7n nh\u1eefng \u0111i\u1ec3m m\u00e0 c\u00e1c thu\u1eadt to\u00e1n c\u00f3 th\u1ec3 b\u1ecf l\u1ee1. Trong cu\u1ed1n s\u00e1ch \u201cThe Checklist\u201d, Atul Gawande \u0111\u00e3 nh\u1ea5n m\u1ea1nh r\u1eb1ng trong nh\u1eefng ngh\u1ec1 t\u1eeb k\u1ef9 thu\u1eadt \u0111\u1ebfn h\u00e0ng kh\u00f4ng, vi\u1ec7c s\u1eed d\u1ee5ng danh s\u00e1ch ki\u1ec3m tra nh\u01b0 m\u1ed9t c\u01a1 c\u1ea5u c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng k\u1ef7 lu\u1eadt nh\u01b0ng c\u1ea7n cho ph\u00e9p c\u00e1c chuy\u00ean gia th\u00edch nghi c\u0169ng nh\u01b0 ph\u1ea3n \u1ee9ng v\u1edbi c\u00e1c t\u00ecnh hu\u1ed1ng.<\/p>\n

C\u1ea7n khuy\u1ebfn kh\u00edch nh\u00e2n vi\u00ean \u0111\u00f3ng g\u00f3p \u00fd ki\u1ebfn, \u0111\u1eb7t c\u00e2u h\u1ecfi khi c\u00f3 s\u1ef1 thi\u1ebfu nh\u1ea5t qu\u00e1n v\u00e0 b\u00e0y t\u1ecf quan ng\u1ea1i m\u00e0 kh\u00f4ng lo s\u1ee3 b\u1ecb tr\u1ea3 th\u00f9. M\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o v\u1ec7 ng\u01b0\u1eddi t\u1ed1 gi\u00e1c \u0111\u01b0\u1ee3c bi\u00ean so\u1ea1n c\u1ea9n th\u1eadn s\u1ebd tr\u1edf n\u00ean v\u00f4 ngh\u0129a n\u1ebfu th\u1ef1c t\u1ebf doanh nghi\u1ec7p kh\u00f4ng khuy\u1ebfn kh\u00edch nh\u00e2n vi\u00ean \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n \u00fd ki\u1ebfn tr\u00e1i chi\u1ec1u. Ngay c\u1ea3 khi nh\u1eefng lo ng\u1ea1i \u0111\u01b0\u1ee3c n\u00eau ra ch\u1ec9 l\u00e0 b\u00e1o \u0111\u1ed9ng gi\u1ea3, th\u00ec v\u0103n h\u00f3a \u0111\u00f3 v\u1eabn n\u00ean \u0111\u01b0\u1ee3c \u0111\u1ec1 cao.<\/p>\n

S\u1ef1 \u0111a d\u1ea1ng v\u1ec1 kinh nghi\u1ec7m ho\u1eb7c n\u1ec1n t\u1ea3ng, d\u00f9 \u1edf v\u1ecb tr\u00ed qu\u1ea3n l\u00fd hay h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, \u0111\u1ec1u c\u00f3 th\u1ec3 mang l\u1ea1i nh\u1eefng g\u00f3c nh\u00ecn ph\u1ea3n bi\u1ec7n v\u00e0 \u0111\u1ec1 xu\u1ea5t c\u00f3 gi\u00e1 tr\u1ecb. Vi\u1ec7c lu\u00e2n chuy\u1ec3n nh\u00e2n s\u1ef1 ki\u1ec3m so\u00e1t ch\u1ee7 ch\u1ed1t, ki\u1ec3m tra t\u00ecnh hu\u1ed1ng \u0111\u1ecbnh k\u1ef3 v\u00e0 ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp ch\u1eb7t ch\u1ebd s\u1ebd g\u00f3p ph\u1ea7n duy tr\u00ec v\u0103n h\u00f3a qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n

Suy cho c\u00f9ng, r\u1ee7i ro qu\u1ea3n tr\u1ecb ch\u00ednh l\u00e0 n\u1ec1n t\u1ea3ng cho m\u1ecdi ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd r\u1ee7i ro kh\u00e1c n\u01b0\u01a1ng t\u1ef1a v\u00e0o. Khi c\u00f3 m\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb v\u1eefng ch\u1eafc, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd c\u00f3 ni\u1ec1m tin h\u01a1n, \u0111\u1eb7c bi\u1ec7t trong nh\u1eefng giai \u0111o\u1ea1n c\u0103ng th\u1eb3ng. Thi\u1ebfu \u0111i n\u1ec1n t\u1ea3ng n\u00e0y, ngay c\u1ea3 nh\u1eefng h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro t\u1ed1t nh\u1ea5t c\u0169ng s\u1ebd s\u1ee5p \u0111\u1ed5 d\u01b0\u1edbi \u00e1p l\u1ef1c.<\/p>\n

T\u1eeb ph\u1ecfng \u0111o\u00e1n \u0111\u1ebfn ph\u00f2ng th\u1ee7<\/strong>
\nTrong th\u1ebf gi\u1edbi ng\u00e0y nay, bi\u1ebfn \u0111\u1ed9ng kh\u00f4ng c\u00f2n l\u00e0 \u0111i\u1ec1u b\u1ea5t th\u01b0\u1eddng m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh b\u00ecnh th\u01b0\u1eddng. C\u00e1c ho\u1ea1t \u0111\u1ed9ng ph\u1ee9c t\u1ea1p tr\u00ean ch\u00ednh tr\u01b0\u1eddng, s\u1ef1 ki\u1ec7n kh\u00ed h\u1eadu, gi\u00e1n \u0111o\u1ea1n c\u00f4ng ngh\u1ec7, t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0 s\u1ef1 ph\u00e2n m\u1ea3nh kinh t\u1ebf d\u01b0\u1eddng nh\u01b0 s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 l\u1eafng xu\u1ed1ng.<\/p>\n

\u0110\u1ed1i v\u1edbi l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p, c\u00e2u h\u1ecfi \u0111\u1eb7t ra kh\u00f4ng ph\u1ea3i l\u00e0 li\u1ec7u s\u1ef1 gi\u00e1n \u0111o\u1ea1n ti\u1ebfp theo c\u00f3 x\u1ea3y ra hay kh\u00f4ng, m\u00e0 l\u00e0 li\u1ec7u t\u1ed5 ch\u1ee9c c\u1ee7a b\u1ea1n c\u00f3 kh\u1ea3 n\u0103ng nh\u1eadn di\u1ec7n v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ecbp th\u1eddi \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi nh\u1eefng r\u1ee7i ro m\u00e0 n\u00f3 mang l\u1ea1i hay kh\u00f4ng.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi m\u1ed9t s\u1ef1 thay \u0111\u1ed5i trong t\u01b0 duy. Qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ea7n chuy\u1ec3n t\u1eeb t\u00e2m th\u1ebf b\u1ecb \u0111\u1ed9ng \u1ee9ng ph\u00f3 v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed9c l\u1eadp sang h\u01b0\u1edbng ch\u1ee7 \u0111\u1ed9ng v\u00e0 g\u1eafn k\u1ebft ch\u1eb7t ch\u1ebd. C\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n v\u00e0 kh\u1ea3 n\u0103ng \u0111\u1ed1i ph\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u01b0a ra th\u1ea3o lu\u1eadn \u1edf t\u1ea5t c\u1ea3 c\u00e1c c\u1ea5p trong t\u1ed5 ch\u1ee9c. C\u1ea7n khuy\u1ebfn kh\u00edch s\u1ef1 \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o nh\u01b0ng \u0111\u1ed3ng th\u1eddi ph\u1ea3i nh\u1eadn th\u1ee9c r\u00f5 v\u1ec1 nh\u1eefng r\u1ee7i ro kh\u00f4ng mong mu\u1ed1n c\u00f3 th\u1ec3 ph\u00e1t sinh.<\/p>\n

X\u00e9t cho c\u00f9ng, nh\u1eefng t\u1ed5 ch\u1ee9c c\u00f3 v\u0103n h\u00f3a qu\u1ea3n tr\u1ecb r\u1ee7i ro m\u1ea1nh m\u1ebd, nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c r\u1eb1ng ch\u00fang ta c\u1ea7n h\u1ecdc c\u00e1ch s\u1ed1ng chung v\u1edbi \u201cthi\u00ean nga \u0111en\u201d trong t\u01b0\u01a1ng lai, s\u1ebd v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1eb3n c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh v\u1ec1 l\u00e2u d\u00e0i trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c c\u00fa s\u1ed1c. T\u1ed5 ch\u1ee9c c\u1ee7a b\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng kh\u00f4ng ch\u1ec9 \u0111\u1ec3 t\u1ed3n t\u1ea1i \u2013 m\u00e0 c\u00f2n \u0111\u1ec3 d\u1eabn \u0111\u1ea7u \u2013 v\u01b0\u1ee3t qua l\u00e0n s\u00f3ng gi\u00e1n \u0111o\u1ea1n ti\u1ebfp theo ch\u01b0a?<\/p>\n

*B\u00e0i vi\u1ebft th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m c\u1ee7a \u00f4ng Douglas Matheson, Gi\u00e1m \u0111\u1ed1c c\u1ea5p cao Qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng v\u00e0 tu\u00e2n th\u1ee7, HSBC Vi\u1ec7t Nam<\/em><\/strong><\/p>\n

Ngu\u1ed3n: Theleader<\/em><\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Nh\u1eefng t\u1ed5 ch\u1ee9c c\u00f3 v\u0103n h\u00f3a qu\u1ea3n tr\u1ecb r\u1ee7i ro m\u1ea1nh m\u1ebd s\u1ebd v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1eb3n c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh v\u1ec1 l\u00e2u d\u00e0i trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c c\u00fa s\u1ed1c. Kh\u00f4ng bi\u1ebft c\u00e1c b\u1ea1n c\u00f3 c\u1ea3m gi\u00e1c gi\u1ed1ng t\u00f4i kh\u00f4ng, d\u01b0\u1eddng nh\u01b0 nh\u1eefng \u201cs\u1ef1 ki\u1ec7n thi\u00ean nga \u0111en\u201d \u0111ang di\u1ec5n ra th\u01b0\u1eddng xuy\u00ean…<\/p>\n","protected":false},"author":1,"featured_media":988,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[23],"tags":[20],"_links":{"self":[{"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/posts\/987"}],"collection":[{"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/comments?post=987"}],"version-history":[{"count":1,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/posts\/987\/revisions"}],"predecessor-version":[{"id":989,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/posts\/987\/revisions\/989"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/media\/988"}],"wp:attachment":[{"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/media?parent=987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/categories?post=987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lbu.fsb.edu.vn\/mba\/wp-json\/wp\/v2\/tags?post=987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}