{"id":19830,"date":"2026-05-31T08:12:09","date_gmt":"2026-05-31T08:12:09","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/"},"modified":"2026-05-31T08:12:09","modified_gmt":"2026-05-31T08:12:09","slug":"viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/","title":{"rendered":"Vi\u1ec7t Nam c\u00f3 th\u1ec3 cho ph\u00e9p SMEs s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1 \u0111\u1ec3 m\u1edf kh\u00f3a kho\u1ea3n vay ng\u00e2n h\u00e0ng"},"content":{"rendered":"<h2>\u0110\u1ec1 Xu\u1ea5t C\u1ee7a B\u1ed9 T\u00e0i Ch\u00ednh Vi\u1ec7t Nam V\u1ec1 T\u00e0i S\u1ea3n Th\u1ebf Ch\u1ea5p Cho SMEs<\/h2>\n<p>B\u1ed9 T\u00e0i ch\u00ednh Vi\u1ec7t Nam \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t cho ph\u00e9p c\u00e1c <strong>doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SMEs)<\/strong> s\u1eed d\u1ee5ng <strong>t\u00e0i s\u1ea3n s\u1ed1<\/strong>, <strong>t\u00e0i s\u1ea3n \u1ea3o<\/strong> v\u00e0 <strong>quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7<\/strong> l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho c\u00e1c kho\u1ea3n vay ng\u00e2n h\u00e0ng. \u0110\u1ec1 xu\u1ea5t n\u00e0y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a d\u1ef1 th\u1ea3o Lu\u1eadt s\u1eeda \u0111\u1ed5i nh\u1eb1m h\u1ed7 tr\u1ee3 SMEs, hi\u1ec7n \u0111ang m\u1edf \u0111\u1ec3 l\u1ea5y \u00fd ki\u1ebfn c\u00f4ng ch\u00fang, theo th\u00f4ng tin t\u1eeb Viet Nam News.<\/p>\n<h2>M\u1edf R\u1ed9ng Lo\u1ea1i T\u00e0i S\u1ea3n Th\u1ebf Ch\u1ea5p<\/h2>\n<p>K\u1ebf ho\u1ea1ch n\u00e0y s\u1ebd m\u1edf r\u1ed9ng lo\u1ea1i t\u00e0i s\u1ea3n m\u00e0 doanh nghi\u1ec7p c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng khi xin vay ng\u00e2n h\u00e0ng. Theo d\u1ef1 th\u1ea3o, SMEs c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c <strong>t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai<\/strong>, <strong>quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n<\/strong>, <strong>quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7<\/strong>, <strong>t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh<\/strong>, <strong>t\u00e0i s\u1ea3n s\u1ed1<\/strong>, <strong>t\u00e0i s\u1ea3n \u1ea3o<\/strong> v\u00e0 c\u00e1c t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p kh\u00e1c. S\u1ef1 thay \u0111\u1ed5i n\u00e0y s\u1ebd \u0111\u01b0a vi\u1ec7c cho vay ra ngo\u00e0i tr\u1ecdng t\u00e2m hi\u1ec7n t\u1ea1i l\u00e0 <strong>b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong> v\u00e0 c\u00e1c t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh kh\u00e1c.<\/p>\n<h2>C\u1ea3i Thi\u1ec7n Kh\u1ea3 N\u0103ng Ti\u1ebfp C\u1eadn V\u1ed1n<\/h2>\n<p>B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft \u0111\u1ec1 xu\u1ea5t nh\u1eb1m <strong>c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n<\/strong> cho c\u00e1c c\u00f4ng ty t\u01b0 nh\u00e2n v\u00e0 c\u00e1c <strong>startup c\u00f4ng ngh\u1ec7<\/strong>. Nhi\u1ec1u c\u00f4ng ty nh\u01b0 v\u1eady s\u1edf h\u1eefu <strong>ph\u1ea7n m\u1ec1m<\/strong>, <strong>th\u01b0\u01a1ng hi\u1ec7u<\/strong>, <strong>d\u1eef li\u1ec7u<\/strong>, <strong>b\u1eb1ng s\u00e1ng ch\u1ebf<\/strong> ho\u1eb7c <strong>s\u1ea3n ph\u1ea9m s\u1ed1<\/strong>, nh\u01b0ng thi\u1ebfu <strong>\u0111\u1ea5t \u0111ai<\/strong> ho\u1eb7c t\u00e0i s\u1ea3n m\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u1eddng ch\u1ea5p nh\u1eadn l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n<blockquote>\n<p>D\u1eef li\u1ec7u t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam cho th\u1ea5y t\u1ed5ng d\u01b0 n\u1ee3 cho vay SMEs \u0111\u1ea1t g\u1ea7n <strong>3,8 tri\u1ec7u t\u1ef7 VN\u0110<\/strong>, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng <strong>144,2 t\u1ef7 USD<\/strong>, t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 4. \u0110i\u1ec1u n\u00e0y t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng <strong>20%<\/strong> t\u1ed5ng t\u00edn d\u1ee5ng trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, m\u1eb7c d\u00f9 SMEs v\u00e0 c\u00e1c doanh nghi\u1ec7p h\u1ed9 gia \u0111\u00ecnh chi\u1ebfm h\u01a1n <strong>98%<\/strong> t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<\/blockquote>\n<h2>Khuy\u1ebfn Kh\u00edch \u0110\u00e1nh Gi\u00e1 Ng\u01b0\u1eddi Vay<\/h2>\n<p>D\u1ef1 th\u1ea3o c\u0169ng khuy\u1ebfn kh\u00edch c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 ng\u01b0\u1eddi vay th\u00f4ng qua <strong>x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng<\/strong>, <strong>k\u1ebf ho\u1ea1ch kinh doanh<\/strong>, <strong>ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng<\/strong> v\u00e0 <strong>d\u00f2ng ti\u1ec1n<\/strong> c\u1ee7a doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y s\u1ebd cung c\u1ea5p cho c\u00e1c ng\u00e2n h\u00e0ng nhi\u1ec1u c\u00e1ch h\u01a1n \u0111\u1ec3 xem x\u00e9t <strong>r\u1ee7i ro t\u00edn d\u1ee5ng<\/strong> c\u1ee7a SMEs m\u00e0 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh.<\/p>\n<h2>K\u1ebft N\u1ed1i V\u1edbi Ngh\u1ecb Quy\u1ebft 68-NQ\/TW<\/h2>\n<p>B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 li\u00ean k\u1ebft \u0111\u1ec1 xu\u1ea5t n\u00e0y v\u1edbi <strong>Ngh\u1ecb quy\u1ebft 68-NQ\/TW<\/strong> c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb, coi khu v\u1ef1c t\u01b0 nh\u00e2n l\u00e0 \u0111\u1ed9ng l\u1ef1c quan tr\u1ecdng c\u1ee7a n\u1ec1n kinh t\u1ebf. D\u1ef1 th\u1ea3o c\u0169ng nh\u1eb1m h\u1ed7 tr\u1ee3 <strong>\u0111\u1ed5i m\u1edbi<\/strong>, <strong>chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/strong>, c\u00e1c <strong>d\u1ef1 \u00e1n xanh<\/strong> v\u00e0 <strong>m\u00f4 h\u00ecnh kinh doanh b\u1ec1n v\u1eefng<\/strong>.<\/p>\n<h2>Khung Ph\u00e1p L\u00fd Cho T\u00e0i S\u1ea3n S\u1ed1<\/h2>\n<p>\u0110\u1ec1 xu\u1ea5t n\u00e0y di\u1ec5n ra khi Vi\u1ec7t Nam x\u00e2y d\u1ef1ng m\u1ed9t <strong>khung ph\u00e1p l\u00fd<\/strong> r\u1ed9ng h\u01a1n cho t\u00e0i s\u1ea3n s\u1ed1. C\u00e1c th\u00f4ng tin li\u00ean quan t\u1eeb crypto.news \u0111\u00e3 b\u00e1o c\u00e1o r\u1eb1ng Vi\u1ec7t Nam \u0111ang l\u00e0m vi\u1ec7c tr\u00ean m\u1ed9t <strong>th\u00ed \u0111i\u1ec3m s\u00e0n giao d\u1ecbch t\u00e0i s\u1ea3n s\u1ed1<\/strong> trong n\u01b0\u1edbc v\u00e0 c\u00e1c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 giao d\u1ecbch crypto \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<h2>\u0110i\u1ec1u Ki\u1ec7n Ch\u1ea5p Nh\u1eadn T\u00e0i S\u1ea3n Th\u1ebf Ch\u1ea5p<\/h2>\n<p>K\u1ebf ho\u1ea1ch t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u1edbi kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ecdi t\u00e0i s\u1ea3n s\u1ed1 ho\u1eb7c t\u00e0i s\u1ea3n \u1ea3o. D\u1ef1 th\u1ea3o n\u00eau r\u00f5 r\u1eb1ng t\u00e0i s\u1ea3n ph\u1ea3i <strong>h\u1ee3p ph\u00e1p theo lu\u1eadt ph\u00e1p Vi\u1ec7t Nam<\/strong>. \u0110i\u1ec1u n\u00e0y \u0111\u1ec3 l\u1ea1i vi\u1ec7c <strong>\u0111\u1ecbnh gi\u00e1<\/strong>, <strong>b\u1ea3o qu\u1ea3n<\/strong>, <strong>ki\u1ec3m so\u00e1t r\u1ee7i ro<\/strong> v\u00e0 <strong>c\u00f4ng nh\u1eadn ph\u00e1p l\u00fd<\/strong> l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 ch\u00ednh cho c\u00e1c nh\u00e0 cho vay tr\u01b0\u1edbc khi b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh m\u1edbi n\u00e0o c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ea7y \u0111\u1ee7.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ec1 Xu\u1ea5t C\u1ee7a B\u1ed9 T\u00e0i Ch\u00ednh Vi\u1ec7t Nam V\u1ec1 T\u00e0i S\u1ea3n Th\u1ebf Ch\u1ea5p Cho SMEs B\u1ed9 T\u00e0i ch\u00ednh Vi\u1ec7t Nam \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SMEs) s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1, t\u00e0i s\u1ea3n \u1ea3o v\u00e0 quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7 l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho &#8230;<\/p>\n","protected":false},"author":3,"featured_media":19829,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[4217,5600,10467,5673],"class_list":["post-19830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-legal","tag-ministry-of-finance","tag-state-bank-of-vietnam","tag-vietnam"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vi\u1ec7t Nam c\u00f3 th\u1ec3 cho ph\u00e9p SMEs s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1 \u0111\u1ec3 m\u1edf kh\u00f3a kho\u1ea3n vay ng\u00e2n h\u00e0ng - CryptoZen<\/title>\n<meta name=\"description\" content=\"B\u1ed9 T\u00e0i ch\u00ednh Vi\u1ec7t Nam \u0111\u1ec1 xu\u1ea5t cho ph\u00e9p 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name=\"author\" content=\"Editor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Editor\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/\"},\"author\":{\"name\":\"Editor\",\"@id\":\"https:\/\/cryptozen.asia\/vn\/#\/schema\/person\/215c42a44c778a4d41cede868d63707c\"},\"headline\":\"Vi\u1ec7t Nam c\u00f3 th\u1ec3 cho ph\u00e9p SMEs s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1 \u0111\u1ec3 m\u1edf kh\u00f3a kho\u1ea3n vay ng\u00e2n h\u00e0ng\",\"datePublished\":\"2026-05-31T08:12:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/\"},\"wordCount\":981,\"publisher\":{\"@id\":\"https:\/\/cryptozen.asia\/vn\/#organization\"},\"image\":{\"@id\":\"https:\/\/cryptozen.asia\/vn\/viet-nam-co-the-cho-phep-smes-su-dung-tai-san-so-de-mo-khoa-khoan-vay-ngan-hang\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cryptozen.asia\/vn\/wp-content\/uploads\/sites\/27\/2026\/05\/story_186470_preview.jpeg\",\"keywords\":[\"Legal\",\"Ministry of Finance\",\"State Bank of 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