{"id":10888,"date":"2022-02-14T14:48:44","date_gmt":"2022-02-14T07:48:44","guid":{"rendered":"https:\/\/fintech.smartosc.com\/?p=10888"},"modified":"2022-12-07T15:16:22","modified_gmt":"2022-12-07T08:16:22","slug":"quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang","status":"publish","type":"post","link":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/","title":{"rendered":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng"},"content":{"rendered":"<p>Trong c\u00e1c qu\u00e1 tr\u00ecnh \u0111\u1ec3 c\u00f3 th\u1ec3 l\u00e0m c\u00e1c th\u1ee7 t\u1ee5c vay v\u1ed1n h\u1ee3p l\u00fd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u00ec th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t trong nh\u1eefng giai \u0111o\u1ea1n v\u00f4 c\u00f9ng quan tr\u1ecdng. C\u00e1c chuy\u00ean vi\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u kinh nghi\u1ec7m, sau khi \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 chuy\u00ean m\u00f4n th\u00ec s\u1ebd \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh r\u1eb1ng c\u00f3 cho kh\u00e1ch h\u00e0ng vay v\u1ed1n hay l\u00e0 kh\u00f4ng. V\u1eady th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 g\u00ec m\u00e0 c\u00f3 vai tr\u00f2 l\u1edbn \u0111\u1ebfn nh\u01b0 v\u1eady? H\u00e3y c\u00f9ng v\u1edbi <strong><a href=\"https:\/\/fintech.smartosc.com\/vi\/\" target=\"_blank\" rel=\"noreferrer noopener\">SMARTOSC Fintech<\/a> <\/strong>t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>Th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-100.png\" alt=\"QUY T\u1eaeC 5C TRONG TH\u1ea8M \u0110\u1ecaNH T\u00cdN D\u1ee4NG C\u1ee6A NG\u00c2N H\u00c0NG \" class=\"wp-image-10908\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-100.png 1000w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-100-768x483.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh gi\u00fap cho c\u00e1c doanh nghi\u1ec7p ki\u1ec3m tra v\u00e0 \u0111\u00e1nh gi\u00e1 m\u1ed9t d\u1ef1 \u00e1n c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro v\u00e0 \u0111\u1ed9 \u0111\u00e1ng tin c\u1eady nh\u01b0 th\u1ebf n\u00e0o, c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 hay ch\u01b0a, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0a ra \u0111\u01b0\u1ee3c c\u00e1c quy\u1ebft \u0111\u1ecbnh s\u1ebd cho d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c vay hay l\u00e0 kh\u00f4ng.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>M\u1ee5c \u0111\u00edch qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>M\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 s\u1ebd \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c c\u00e1c kh\u1ea3 n\u0103ng c\u00f3 th\u1ec3 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng nh\u1eb1m m\u1ee5c \u0111\u00edch h\u1ea1n ch\u1ebf t\u1ed1i thi\u1ec3u m\u1ee9c th\u1ea5p nh\u1ea5t c\u1ee7a r\u1ee7i ro, m\u1ea5t v\u1ed1n. \u0110\u1ec3 th\u1ea5y \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u1ed9 quan tr\u1ecdng c\u1ee7a th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng th\u00ec ch\u00fang ta l\u01b0u \u00fd m\u1ed9t s\u1ed1 \u0111i\u1ec3m sau:<\/p>\n\n\n\n<ul><li>Gi\u00fap \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c c\u00e1c m\u1ee9c \u0111\u1ed9 \u0111\u00e1ng tin c\u1eady c\u1ee7a s\u1ea3n xu\u1ea5t ho\u1eb7c trong c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u1ee7a ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t<\/li><li>Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111\u00e1nh gi\u00e1 d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u00e1c m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a d\u1ef1 \u00e1n khi quy\u1ebft \u0111\u1ecbnh cho vay.<\/li><li>Gi\u00fap cho c\u00e1c c\u00e1n b\u1ed9 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng v\u00e0 c\u00e1c l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn l\u00e0 c\u00f3 cho vay hay l\u00e0 kh\u00f4ng.&nbsp;<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Ph\u00e2n lo\u1ea1i th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t h\u1ed3 s\u01a1 vay th\u1ebf ch\u1ea5p, t\u00edn ch\u1ea5p, ng\u00e2n h\u00e0ng s\u1ebd ph\u00e2n lo\u1ea1i th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u00fap cho qu\u00e1 tr\u00ecnh \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c doanh nghi\u1ec7p, ph\u00e2n t\u00edch s\u1ef1 vi\u1ec7c \u0111ang di\u1ec5n ra m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c, nhanh ch\u00f3ng nh\u1ea5t, gi\u00fap cho c\u00e1c kh\u00e1ch h\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nhi\u1ec1u th\u1eddi gian nh\u1ea5t. C\u00f3 4 lo\u1ea1i th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng:<\/p>\n\n\n\n<ul><li>Th\u1ea9m \u0111\u1ecbnh r\u1ee7i ro<\/li><li>Th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/li><li>Th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u1eafn h\u1ea1n<\/li><li>Th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng d\u00e0i h\u1ea1n<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>Quy t\u1eafc 5C c\u1ee7a th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img width=\"700\" height=\"700\" src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-99.png\" alt=\"QUY T\u1eaeC 5C TRONG TH\u1ea8M \u0110\u1ecaNH T\u00cdN D\u1ee4NG C\u1ee6A NG\u00c2N H\u00c0NG \" class=\"wp-image-10907\"\/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong>Quy t\u1eafc 5C l\u00e0 g\u00ec?<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Quy t\u1eafc 5C l\u00e0 m\u1ed9t trong nh\u1eefng b\u1ed9 c\u00e1c quy t\u1eafc th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u00e0o c\u00e1c qu\u00e1 tr\u00ecnh \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh. C\u00e1c ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c quy t\u1eafc 5C v\u00e0o c\u00e1c quy tr\u00ecnh \u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 x\u1ea3y ra trong c\u00e1c qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch t\u1ed1i \u01b0u nh\u1ea5t. M\u00f4 h\u00ecnh 5C g\u1ed3m nh\u1eefng ph\u1ea7n:&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Character \u2013 Uy t\u00edn, \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a kh\u00e1ch h\u00e0ng<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul><li>Capacity \u2013 N\u0103ng l\u1ef1c ti\u1ec1m n\u0103ng<\/li><li>Capital \u2013 V\u1ed1n \u0111\u1ea7u t\u01b0<\/li><li>Collateral \u2013 T\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o<\/li><li>Conditions \u2013 M\u00f4i tr\u01b0\u1eddng xung quanh<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Capacity \u2013 N\u0103ng l\u1ef1c ti\u1ec1m n\u0103ng<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>C\u00f3 th\u1ec3 n\u00f3i r\u1eb1ng \u0111\u00e2y l\u00e0 m\u1ed9t ch\u1ec9 ti\u00eau v\u00f4 c\u00f9ng quan tr\u1ecdng trong m\u00f4 h\u00ecnh 5C c\u1ee7a th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng. Ph\u00eda b\u00ean c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd d\u1ef1a theo c\u00e1c b\u1ea3ng b\u00e1o c\u00e1o c\u1ee7a t\u00e0i ch\u00ednh, kh\u1ea3 n\u0103ng \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh trong qu\u00e1 kh\u1ee9 v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a kinh doanh c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 t\u00ednh kh\u1ea3 thi v\u1ec1 vi\u1ec7c ph\u1ea3i chi tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 vay trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Capital \u2013 V\u1ed1n<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>T\u0103ng cao m\u1ee9c \u0111\u1ed9 tin c\u1eady h\u00f3a c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng n\u1ebfu c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 v\u1ed1n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu l\u1edbn, \u0111\u1ea3m b\u1ea3o c\u00e1c tr\u1ea1ng th\u00e1i gi\u00fap c\u00e2n b\u1eb1ng cho c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Collateral \u2013 T\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>C\u00f3 th\u1ec3 hi\u1ec3u \u0111\u00e2y l\u00e0 kho\u1ea3n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 gi\u00fap \u0111\u1ea3m b\u1ea3o v\u1edbi b\u00ean ph\u00eda ng\u00e2n h\u00e0ng. Khi kh\u00e1ch h\u00e0ng b\u1ecb ph\u00e1 s\u1ea3n, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ec3 chi tr\u1ea3 th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i x\u1eed l\u00fd ph\u1ea7n t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i \u0111\u1ec3 quy ra c\u00e1c gi\u00e1 tr\u1ecb v\u00e0 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 m\u00e0 kh\u00e1ch h\u00e0ng c\u00f2n thi\u1ebfu.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Conditions \u2013 M\u00f4i tr\u01b0\u1eddng xung quanh<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>L\u00e0 qu\u00e1 tr\u00ecnh c\u00e1c ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch c\u00e1c m\u00f4i tr\u01b0\u1eddng b\u00ean trong, hay b\u00ean ngo\u00e0i c\u1ee7a c\u00e1c n\u1ec1n kinh t\u1ebf c\u00f3 \u1ea3nh h\u01b0\u1edfng s\u00e2u s\u1eafc \u0111\u1ebfn c\u00e1c qu\u00e1 tr\u00ecnh c\u1ee7a kinh doanh kh\u00e1ch h\u00e0ng hay kh\u00f4ng. V\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c doanh nghi\u1ec7p hay c\u00e1c c\u00f4ng ty th\u00ec s\u1ebd kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng qu\u00e1 nhi\u1ec1u, c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh th\u00ec s\u1ebd \u0111\u01b0\u1ee3c doanh nghi\u1ec7p \u01b0u ti\u00ean h\u01a1n.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>K\u1ef9 n\u0103ng m\u1ed9t nh\u00e2n vi\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng<\/strong> c\u1ea7n c\u00f3<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-98.png\" alt=\"QUY T\u1eaeC 5C TRONG TH\u1ea8M \u0110\u1ecaNH T\u00cdN D\u1ee4NG C\u1ee6A NG\u00c2N H\u00c0NG \" class=\"wp-image-10906\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-98.png 1000w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-98-768x461.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>C\u00e1c nh\u00e2n vi\u00ean chuy\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng kh\u00f4ng ph\u1ea3i ch\u1ec9 bi\u1ebft \u0111\u1ebfn m\u1ed7i kh\u00e1i ni\u1ec7m \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 g\u00ec m\u00e0 c\u00f2n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c c\u00f4ng vi\u1ec7c.<\/p>\n\n\n\n<p>H\u1ecd \u0111\u00e3 ph\u1ea3i tr\u1ea3i qua kho\u1ea3ng th\u1eddi gian h\u1ecdc t\u1eadp, ti\u1ebfp thu \u0111\u01b0\u1ee3c nhi\u1ec1u c\u00e1c ki\u1ebfn th\u1ee9c, \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u1ea3i n\u00e2ng cao c\u00e1c k\u1ef9 n\u0103ng \u0111\u1ec3 c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh c\u00f4ng vi\u1ec7c m\u1ed9t c\u00e1ch t\u1ed1t nh\u1ea5t.&nbsp;<\/p>\n\n\n\n<p><strong>\u0110\u00f3 ch\u00ednh l\u00e0:<\/strong><\/p>\n\n\n\n<ul><li>S\u1ef1 am hi\u1ec3u v\u1ec1 chuy\u00ean m\u00f4n nghi\u1ec7p v\u1ee5 c\u1ee7a doanh nghi\u1ec7p<\/li><li>C\u00f3 th\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111\u00e1nh gi\u00e1 d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u00f3 \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng vay v\u1ed1n<\/li><li>Am hi\u1ec3u k\u1ef9 c\u00e0ng v\u1ec1 c\u00e1c quy \u0111\u1ecbnh c\u1ea7n thi\u1ebft c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 h\u1ed3 s\u01a1, gi\u1ea5y t\u1edd, c\u00e1c quy tr\u00ecnh trong vay v\u1ed1n v\u00e0 tr\u1ea3 n\u1ee3,\u2026<\/li><\/ul>\n\n\n\n<p>\u0110\u00e2y ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng k\u1ef9 n\u0103ng t\u1ed1i thi\u1ec3u m\u00e0 m\u1ed9t chuy\u00ean vi\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e2u n\u0103m \u0111\u1ec1u ph\u1ea3i c\u00f3, h\u1ecd s\u1ebd gi\u00fap cho c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m thi\u1ec3u \u0111\u01b0\u1ee3c c\u00e1c r\u1ee7i ro khi \u0111ang cho vay ti\u1ec1n.&nbsp;<\/p>\n\n\n\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin chia s\u1ebb b\u1ed5 \u00edch t\u1eeb <strong>SMARTOSC Fintech <\/strong>v\u1ec1 nh\u1eefng quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng trong ng\u00e2n h\u00e0ng. Hy v\u1ecdng b\u00e0i vi\u1ebft n\u00e0y \u0111\u00e3 gi\u00fap cho b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng quan h\u01a1n v\u00e0 s\u00e2u s\u1eafc khi qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u trong th\u1eddi \u0111\u1ea1i m\u1edbi.\u00a0Khi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh l\u00ean ng\u00f4i v\u00e0 c\u1ea1nh tranh ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t, quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh ph\u1ee9c t\u1ea1p v\u00e0 ti\u00eau t\u1ed1n nhi\u1ec1u th\u1eddi gian c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n \u0111\u00e1nh m\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng ti\u1ec1n n\u0103ng. \u0110\u1ec3 t\u0103ng t\u1ed1c th\u1ea9m \u0111\u1ecbnh v\u00e0 gi\u1ea3m thi\u1ebfu sai s\u00f3t, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00ean t\u00ecm c\u00e1c gi\u1ea3i ph\u00e1p t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh.<\/p>\n\n\n\n<p>Li\u00ean h\u1ec7 SmartOSC Fintech \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/fintech.smartosc.com\/vi\/digital-onboarding\/\"><img width=\"697\" height=\"140\" src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1.png\" alt=\"\" class=\"wp-image-12611\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1.png 697w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1-18x4.png 18w\" sizes=\"(max-width: 697px) 100vw, 697px\" \/><\/a><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Trong c\u00e1c qu\u00e1 tr\u00ecnh \u0111\u1ec3 c\u00f3 th\u1ec3 l\u00e0m c\u00e1c th\u1ee7 t\u1ee5c vay v\u1ed1n h\u1ee3p l\u00fd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u00ec th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t trong nh\u1eefng giai \u0111o\u1ea1n v\u00f4 c\u00f9ng quan tr\u1ecdng. C\u00e1c chuy\u00ean vi\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u kinh nghi\u1ec7m, sau khi \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":10909,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":""},"categories":[60],"tags":[1085,1100,668,637,632,1082,1196,325,696],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng<\/title>\n<meta name=\"description\" content=\"H\u00e3y c\u00f9ng v\u1edbi SmartOSC Fintech t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng\" \/>\n<meta property=\"og:description\" content=\"H\u00e3y c\u00f9ng v\u1edbi SmartOSC Fintech t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/\" \/>\n<meta property=\"og:site_name\" content=\"SmartOSC Fintech\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-14T07:48:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-07T08:16:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-101.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"804\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Hannah Nguyen\" \/>\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=\"Hannah Nguyen\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 ph\u00fat\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng","description":"H\u00e3y c\u00f9ng v\u1edbi SmartOSC Fintech t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/","og_locale":"vi_VN","og_type":"article","og_title":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng","og_description":"H\u00e3y c\u00f9ng v\u1edbi SmartOSC Fintech t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0","og_url":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/","og_site_name":"SmartOSC Fintech","article_published_time":"2022-02-14T07:48:44+00:00","article_modified_time":"2022-12-07T08:16:22+00:00","og_image":[{"width":1600,"height":804,"url":"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/02\/image-101.png","type":"image\/png"}],"author":"Hannah Nguyen","twitter_card":"summary_large_image","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Hannah Nguyen","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"6 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/fintech.smartosc.com\/#organization","name":"SmartOSC Fintech","url":"https:\/\/fintech.smartosc.com\/","sameAs":[],"logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/fintech.smartosc.com\/#\/schema\/logo\/image\/","url":"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-1-1.png","contentUrl":"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-1-1.png","width":298,"height":37,"caption":"SmartOSC Fintech"},"image":{"@id":"https:\/\/fintech.smartosc.com\/#\/schema\/logo\/image\/"}},{"@type":"WebSite","@id":"https:\/\/fintech.smartosc.com\/#website","url":"https:\/\/fintech.smartosc.com\/","name":"SmartOSC Fintech","description":"","publisher":{"@id":"https:\/\/fintech.smartosc.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fintech.smartosc.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/","url":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/","name":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng","isPartOf":{"@id":"https:\/\/fintech.smartosc.com\/#website"},"datePublished":"2022-02-14T07:48:44+00:00","dateModified":"2022-12-07T08:16:22+00:00","description":"H\u00e3y c\u00f9ng v\u1edbi SmartOSC Fintech t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 quy t\u1eafc 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0","breadcrumb":{"@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fintech.smartosc.com\/"},{"@type":"ListItem","position":2,"name":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng"}]},{"@type":"Article","@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/#article","isPartOf":{"@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/"},"author":{"name":"Hannah Nguyen","@id":"https:\/\/fintech.smartosc.com\/#\/schema\/person\/0b289feb0f4ab2f2a03e75306020c019"},"headline":"Quy T\u1eafc 5C Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng C\u1ee7a Ng\u00e2n H\u00e0ng","datePublished":"2022-02-14T07:48:44+00:00","dateModified":"2022-12-07T08:16:22+00:00","mainEntityOfPage":{"@id":"https:\/\/fintech.smartosc.com\/vi\/quy-tac-5c-trong-tham-dinh-tin-dung-cua-ngan-hang\/"},"wordCount":1746,"publisher":{"@id":"https:\/\/fintech.smartosc.com\/#organization"},"keywords":["c\u1ee7a","\u0111\u1ecbnh","d\u1ee5ng","h\u00e0ng","ng\u00e2n","t\u00e1c","th\u1ea9m","Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng Ng\u00e2n H\u00e0ng","trong"],"articleSection":["Blog"],"inLanguage":"vi"},{"@type":"Person","@id":"https:\/\/fintech.smartosc.com\/#\/schema\/person\/0b289feb0f4ab2f2a03e75306020c019","name":"Hannah Nguyen","url":"https:\/\/fintech.smartosc.com\/vi\/author\/editor\/"}]}},"_links":{"self":[{"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/posts\/10888"}],"collection":[{"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/comments?post=10888"}],"version-history":[{"count":3,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/posts\/10888\/revisions"}],"predecessor-version":[{"id":13077,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/posts\/10888\/revisions\/13077"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/media\/10909"}],"wp:attachment":[{"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/media?parent=10888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/categories?post=10888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fintech.smartosc.com\/vi\/wp-json\/wp\/v2\/tags?post=10888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}