{"id":11762,"date":"2026-05-02T18:47:26","date_gmt":"2026-05-02T11:47:26","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/02\/chi-phi-lai-vay-cua-hoa-phat-va-nghich-ly-tren-bang-can-doi-ke-toan\/"},"modified":"2026-05-02T18:47:26","modified_gmt":"2026-05-02T11:47:26","slug":"chi-phi-lai-vay-cua-hoa-phat-va-nghich-ly-tren-bang-can-doi-ke-toan","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/02\/chi-phi-lai-vay-cua-hoa-phat-va-nghich-ly-tren-bang-can-doi-ke-toan\/","title":{"rendered":"Chi ph\u00ed l\u00e3i vay c\u1ee7a H\u00f2a Ph\u00e1t v\u00e0 ngh\u1ecbch l\u00fd tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n"},"content":{"rendered":"
\n

Chi ph\u00ed l\u00e3i vay \u0111ang tr\u1edf th\u00e0nh m\u1ed9t bi\u1ebfn s\u1ed1 \u0111\u00e1ng ch\u00fa \u00fd trong c\u1ea5u tr\u00fac t\u00e0i ch\u00ednh c\u1ee7a T\u1eadp \u0111o\u00e0n H\u00f2a Ph\u00e1t khi con s\u1ed1 n\u00e0y ghi nh\u1eadn m\u1ee9c t\u0103ng k\u1ef7 l\u1ee5c trong qu\u00fd 1\/2026. M\u1ed9t ngh\u1ecbch l\u00fd hi\u1ec7n h\u1eefu tr\u00ean th\u1ecb tr\u01b0\u1eddng khi “n\u00fai ti\u1ec1n” t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u1ee7a t\u1eadp \u0111o\u00e0n n\u00e0y b\u1ea5t ng\u1edd t\u0103ng v\u1ecdt, trong khi c\u00f9ng l\u00fac \u0111\u00f3, doanh nghi\u1ec7p v\u1eabn ph\u1ea3i g\u00e1nh kho\u1ea3n chi ph\u00ed l\u00e3i vay l\u00ean \u0111\u1ebfn 15 t\u1ef7 \u0111\u1ed3ng m\u1ed7i ng\u00e0y. \u0110\u00e2y l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a m\u1ed9t giai \u0111o\u1ea1n chuy\u1ec3n giao quan tr\u1ecdng, khi c\u00e1c d\u1ef1 \u00e1n quy m\u00f4 l\u1edbn b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n v\u1eadn h\u00e0nh th\u01b0\u01a1ng m\u1ea1i, k\u00e9o theo s\u1ef1 thay \u0111\u1ed5i v\u1ec1 c\u00e1ch h\u1ea1ch to\u00e1n chi ph\u00ed t\u00e0i ch\u00ednh.<\/p>\n

\n \"Chi
\u1ea2nh t\u1eeb ngu\u1ed3n: cafef.vn<\/em><\/figcaption><\/figure>\n

B\u1ea3n ch\u1ea5t \u0111\u1eb1ng sau vi\u1ec7c d\u1eebng v\u1ed1n h\u00f3a l\u00e3i vay<\/h2>\n

S\u1ef1 gia t\u0103ng \u0111\u1ed9t bi\u1ebfn c\u1ee7a chi ph\u00ed l\u00e3i vay trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd 1 kh\u00f4ng ho\u00e0n to\u00e0n n\u1eb1m ngo\u00e0i d\u1ef1 t\u00ednh c\u1ee7a c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p. Nguy\u00ean nh\u00e2n c\u1ed1t l\u00f5i xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c d\u1eebng v\u1ed1n h\u00f3a chi ph\u00ed l\u00e3i vay sau khi d\u1ef1 \u00e1n Dung Qu\u1ea5t 2 ch\u00ednh th\u1ee9c \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng. Trong k\u1ebf to\u00e1n doanh nghi\u1ec7p, khi m\u1ed9t d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng c\u01a1 b\u1ea3n ch\u01b0a ho\u00e0n th\u00e0nh, c\u00e1c kho\u1ea3n l\u00e3i vay ph\u00e1t sinh ph\u1ee5c v\u1ee5 d\u1ef1 \u00e1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c v\u1ed1n h\u00f3a v\u00e0o gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n. Tuy nhi\u00ean, khi d\u1ef1 \u00e1n chuy\u1ec3n sang tr\u1ea1ng th\u00e1i khai th\u00e1c, kho\u1ea3n chi ph\u00ed n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c ghi nh\u1eadn tr\u1ef1c ti\u1ebfp v\u00e0o chi ph\u00ed t\u00e0i ch\u00ednh trong k\u1ef3.<\/p>\n

Vi\u1ec7c chi ph\u00ed l\u00e3i vay c\u1ee7a H\u00f2a Ph\u00e1t ch\u1ea1m ng\u01b0\u1ee1ng 15 t\u1ef7 \u0111\u1ed3ng m\u1ed7i ng\u00e0y ph\u1ea3n \u00e1nh quy m\u00f4 n\u1ee3 vay ph\u1ee5c v\u1ee5 cho c\u00e1c \u0111\u1ea1i d\u1ef1 \u00e1n \u0111ang \u1edf m\u1ee9c l\u1edbn. Trong b\u1ed1i c\u1ea3nh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay VND v\u1eabn neo \u1edf m\u1ee9c cao trong su\u1ed1t qu\u00fd 1\/2026, \u00e1p l\u1ef1c t\u1eeb chi ph\u00ed s\u1eed d\u1ee5ng v\u1ed1n tr\u1edf th\u00e0nh m\u1ed9t b\u00e0i to\u00e1n th\u1eed th\u00e1ch n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n c\u1ee7a doanh nghi\u1ec7p. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 ki\u1ec7n \u0111\u01a1n l\u1ebb m\u00e0 l\u00e0 m\u1ed9t ph\u1ea7n trong b\u1ee9c tranh t\u00e0i ch\u00ednh khi c\u00e1c doanh nghi\u1ec7p l\u1edbn ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng v\u1ebft c\u1eaft t\u1eeb chi ph\u00ed v\u1eadn h\u00e0nh, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 nh\u1eefng v\u1ebft c\u1eaft t\u1eeb 15 qu\u00fd li\u00ean ti\u1ebfp<\/a> m\u00e0 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p kh\u00e1c tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111ang ph\u1ea3i g\u1ed3ng m\u00ecnh g\u00e1nh ch\u1ecbu.<\/p>\n

S\u1ef1 c\u1ed9ng h\u01b0\u1edfng gi\u1eefa n\u00fai ti\u1ec1n g\u1eedi v\u00e0 chi ph\u00ed l\u00e3i vay<\/h2>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a th\u1ecb tr\u01b0\u1eddng chung, vi\u1ec7c H\u00f2a Ph\u00e1t duy tr\u00ec m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t kh\u1ed5ng l\u1ed3 t\u1ea1i ng\u00e2n h\u00e0ng trong khi chi ph\u00ed l\u00e3i vay t\u0103ng cao l\u00e0 m\u1ed9t h\u00ecnh th\u00e1i qu\u1ea3n tr\u1ecb v\u1ed1n \u0111\u1ea7y th\u1eadn tr\u1ecdng. Vi\u1ec7c s\u1edf h\u1eefu l\u01b0\u1ee3ng l\u1edbn ti\u1ec1n g\u1eedi gi\u00fap doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng trong thanh kho\u1ea3n, gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong b\u1ed1i c\u1ea3nh c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, kh\u00f4ng ch\u1ec9 trong l\u0129nh v\u1ef1c truy\u1ec1n th\u1ed1ng m\u00e0 ngay c\u1ea3 nh\u1eefng l\u0129nh v\u1ef1c m\u1edbi n\u1ed5i nh\u01b0 r\u1ee7i ro trong giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a> \u0111ang tr\u1edf th\u00e0nh c\u1ea3nh b\u00e1o n\u00f3ng tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Tuy nhi\u00ean, nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, “n\u00fai ti\u1ec1n” n\u00e0y \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t b\u1ed9 \u0111\u1ec7m an to\u00e0n. M\u1eb7c d\u00f9 chi ph\u00ed l\u00e3i vay \u0111ang g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ee3i nhu\u1eadn trong ng\u1eafn h\u1ea1n, nh\u01b0ng s\u1ef1 chuy\u1ec3n d\u1ecbch sang giai \u0111o\u1ea1n v\u1eadn h\u00e0nh c\u1ee7a Dung Qu\u1ea5t 2 h\u1ee9a h\u1eb9n t\u1ea1o ra nh\u1eefng lu\u1ed3ng ti\u1ec1n m\u1edbi t\u1eeb ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ed1t l\u00f5i. Trong l\u1ecbch s\u1eed ho\u1ea1t \u0111\u1ed9ng, c\u00e1c doanh nghi\u1ec7p \u0111\u1ea7u ng\u00e0nh th\u01b0\u1eddng c\u00f3 nh\u1eefng giai \u0111o\u1ea1n ghi d\u1ea5u \u1ea5n l\u1ee3i nhu\u1eadn k\u1ef7 l\u1ee5c nh\u1edd v\u00e0o vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a n\u0103ng su\u1ea5t sau khi \u0111\u00e3 v\u01b0\u1ee3t qua c\u00e1c giai \u0111o\u1ea1n \u0111\u1ea7u t\u01b0 v\u1ed1n l\u1edbn, gi\u1ed1ng nh\u01b0 c\u00e1ch m\u00e0 c\u00e1c \u0111\u1ea1i gia khai th\u00e1c v\u00e0ng b\u1ea1c ghi d\u1ea5u \u1ea5n l\u1ee3i nhu\u1eadn k\u1ef7 l\u1ee5c<\/a> nh\u1edd vi\u1ec7c ki\u1ec3m so\u00e1t chi ph\u00ed hi\u1ec7u qu\u1ea3 trong c\u00e1c chu k\u1ef3 h\u00e0ng h\u00f3a.<\/p>\n

H\u1ec7 l\u1ee5y t\u1eeb m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cao<\/h2>\n

M\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay VND ti\u1ebfp t\u1ee5c duy tr\u00ec \u1edf m\u1ee9c cao trong qu\u00fd 1\/2026 l\u00e0 y\u1ebfu t\u1ed1 ngo\u1ea1i c\u1ea3nh t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn chi ph\u00ed t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n s\u1ea3n xu\u1ea5t l\u1edbn. Khi d\u1ef1 \u00e1n Dung Qu\u1ea5t 2 ch\u00ednh th\u1ee9c \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng, \u00e1p l\u1ef1c tr\u1ea3 n\u1ee3 l\u00e3i kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c chia s\u1ebb th\u00f4ng qua h\u00ecnh th\u1ee9c v\u1ed1n h\u00f3a, khi\u1ebfn con s\u1ed1 th\u1ef1c t\u1ebf tr\u1edf n\u00ean r\u00f5 n\u00e9t h\u01a1n tr\u00ean b\u1ea3ng \u0111i\u1ec7n t\u1eed t\u00e0i ch\u00ednh. D\u00f9 \u0111\u00e2y l\u00e0 m\u1ed9t quy lu\u1eadt t\u1ea5t y\u1ebfu c\u1ee7a k\u1ebf to\u00e1n t\u00e0i ch\u00ednh, nh\u01b0ng vi\u1ec7c ph\u1ea3i chi tr\u1ea3 h\u00e0ng ch\u1ee5c t\u1ef7 \u0111\u1ed3ng m\u1ed7i ng\u00e0y v\u1eabn \u0111\u00f2i h\u1ecfi s\u1ef1 kh\u1eaft khe trong vi\u1ec7c lu\u00e2n chuy\u1ec3n d\u00f2ng v\u1ed1n \u0111\u1ec3 kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u qu\u1ea3 chung c\u1ee7a h\u1ec7 sinh th\u00e1i doanh nghi\u1ec7p.<\/p>\n

Vi\u1ec7c c\u00e2n b\u1eb1ng gi\u1eefa d\u00f2ng ti\u1ec1n nh\u00e0n r\u1ed7i g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 chi ph\u00ed vay th\u1ef1c t\u1ebf cho th\u1ea5y chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh c\u1ee7a H\u00f2a Ph\u00e1t \u0111ang \u01b0u ti\u00ean s\u1ef1 an to\u00e0n v\u00e0 s\u1eb5n s\u00e0ng cho c\u00e1c bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng h\u01a1n l\u00e0 vi\u1ec7c t\u1ea5t to\u00e1n n\u1ee3 vay \u0111\u1ec3 gi\u1ea3m chi ph\u00ed t\u1ee9c th\u1eddi. \u0110i\u1ec1u n\u00e0y kh\u1eb3ng \u0111\u1ecbnh tri\u1ebft l\u00fd qu\u1ea3n tr\u1ecb c\u1ee7a nh\u1eefng \u0111\u01a1n v\u1ecb d\u1eabn \u0111\u1ea7u: lu\u00f4n \u01b0u ti\u00ean kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng thanh kho\u1ea3n trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf c\u00f3 \u0111\u1ed9 tr\u1ec5 l\u1edbn v\u00e0 ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh b\u1edfi l\u00e3i su\u1ea5t.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: cafef.vn<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Chi ph\u00ed l\u00e3i vay \u0111ang tr\u1edf th\u00e0nh m\u1ed9t bi\u1ebfn s\u1ed1 \u0111\u00e1ng ch\u00fa \u00fd trong c\u1ea5u tr\u00fac t\u00e0i ch\u00ednh c\u1ee7a T\u1eadp \u0111o\u00e0n H\u00f2a Ph\u00e1t khi con s\u1ed1 n\u00e0y ghi nh\u1eadn m\u1ee9c t\u0103ng k\u1ef7 l\u1ee5c trong qu\u00fd 1\/2026. M\u1ed9t ngh\u1ecbch l\u00fd hi\u1ec7n h\u1eefu tr\u00ean th\u1ecb tr\u01b0\u1eddng khi “n\u00fai ti\u1ec1n” t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u1ee7a t\u1eadp \u0111o\u00e0n n\u00e0y […]<\/p>\n","protected":false},"author":1,"featured_media":11761,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-11762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tong-quan-thi-truong"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=11762"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11762\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/11761"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=11762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=11762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=11762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}