Firstly, Dr. Nguyen Thi Phuong Nhung shared about two models VAR (Vector Autoregression) and ECM (Error Correction Mechanism) autoregression models applied to time series data analysis. Macro, stock market, and connection relationships predict short-term and long-term impacts. The ECM model shows not only short-run but also long-term effects with long-run equilibrium effects. This can be one of the appropriate choices when analyzing time series data that needs to consider the stationarity of the data series, cointegration, and cointegration equations to help determine the long-run relationship and the system. The error correction number indicates how much adjustment to the equilibrium occurred at each stage and how much the equilibrium error was properly corrected. This method is also applied to university-level scientific research projects with the output of two Q3 and Q4 international papers in the 2020-2021 academic year of Dr. Nguyen Thi Phuong Nhung and her colleagues in the Faculty of Economics and Business include: the first study is “Stock market and economic growth for Asian countries” and the second study is “The impact of internet payments and electronics, commerce and human resources for economic growth�?

Second, Dr. Lam Thanh Phi Quynh shared about the Ordered Logit/Ordered Probit regression model applied in studies with dependent variables in the form of Likert scale, which can be applied to studies in the field of business administration or Marketing to study. study the level of satisfaction or perception of the observed subjects, specifically, it is very suitable to reflect the difference between feeling “strongly agree” and “strongly agree” with the difference between feeling ” confused�?and “agree�?or applied in research related to credit rating. This method is also used by Dr. Lam Thanh Phi Quynh applied in the research: “Determining the difference in the impact of factors affecting the credit rating of some ASEAN countries” in the academic year 2020-2021 with the output of international articles rated Q4.

Finally, the seminar attracted many young lecturers, graduate students, and researchers who are carrying out scientific research projects for the Faculty of International Economics. As the largest faculty at Hoa Sen University, the Faculty of International Economics is always a pioneer with high-ranking international research and articles. The thematic session is a regular activity in the series of weekly academic activities held at the Faculty. The meeting is where lecturers in the Faculty share their current research projects, and their newly updated knowledge of economics, finance, management, marketing, accounting, management information systems, foreign trade, etc. At the same time, through thematic activities, many interesting research topics are suggested, not only for the purpose of training scientific research methods but also for supporting young researchers to complete their dissertations to graduate. , and veteran researchers at the Faculty to impart research experience. The seminar is a bridge for lecturers of the Faculty of International Economics to contribute high-ranking international research and articles, contributing to improving the quality of training at the Faculty of International Economics.

Dr. Nguyen Thi Phuong Nhung and Dr. Lam Thanh Phi Quynh

SUMMARY

In modern world history, Southeast Asia has always been one of the regions of strategic geopolitical significance in the foreign policy of both the United States and China. By analyzing data of direct investment (FDI), two-way import and export value between the USA, PRC, and Southeast Asian countries, an overview of bilateral trade cooperation mechanisms between the US and China Countries and Southeast Asian countries, regional, continental, and world multilateral economic cooperation mechanisms, a brief overview of economic mega projects that have an impact on Southeast Asia’s geo-economic and geopolitical changes. The United States, China, and the research team hope to contribute to clarifying the competitive image of US-China economic influence in Southeast Asia today, and at the same time make recommendations for Vietnam’s countermeasures in the face of economic influence. The United States and China are in the region.

1. Opening

Power is a central concept in international relations theory because of “the ability to cause other actors to behave in the desired direction�?(Payne, 2013, p.25), which is the goal of states and Leaders aspire to, is a condition to ensure security and is an affirmation of the country’s influence and position on the international political map. Hard power is characterized by intimidation and coercion, coercion through military force, economic pressure, and retribution (Mearsheimer, Campbell & O’Hanlon, 2006; Wilson, 2008).

The economy is considered an important factor that creates the hard power of a country, the relationship between investment and aid activities, the dispersion of capital and the influence on another country is the ratio mutually agreeable (Viotti & Kauppi, 2013). Before the trend of globalization, Ahmed (1995) recognized that economic interests play an increasingly vital role in international relations, with the same perspective, Spyros Economides & Wilson (2001) in the book “Factors” economics in international relations�?argues that a country’s foreign policy is increasingly driven by commercial considerations and that economic power actually exerts more influence than military power because of its dependence on military power. The dependencies, connections, and interactions between economies are clear today.

Southeast Asia’s strategic disputes will become increasingly hot both on the ground and at the diplomatic table. From that reality, it is necessary to examine the economic presence of the United States and PRC in Southeast Asia to contribute to clarifying the economic presence of the USA and PRC in Southeast Asia.

With the aim of assessing the influence of the USA and PRC from an economic perspective, the author builds a research model as shown in Figure 1, USA and PRC will be analyzed and compared based on the context of bringing economic benefits to 11 countries. Southeast Asian countries (country X) are Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand, Timor Leste, and Vietnam. According to the theory of new realism, the USA and PRC economies give away in return for the recognition of country X’s influence, the greater the economic benefits, the greater the influence, assuming other factors into another power do not affect this research model.

Figure 1. Research model

Bilateral economic relations between two countries are often considered with three pillars of economic cooperation, trade, and investment with observed variables such as foreign direct investment (FDI). , foreign indirect investment (FII), export and import turnover, the balance of trade, international aid, international agreements bilateral trade agreements. Multilateral economic relations between many countries are determined on the basis of international organizations, financial cooperation mechanisms, and economic and trade agreements with the participation of three or more countries. Within the scope of this report, the author focuses on analyzing the current situation and discussing research on the economic presence of the USA and PRC in Southeast Asia based on data collected on (1) direct investment flows (FDI), (2) export value (3) import between the USA, PRC and Southeast Asian countries, (4) bilateral and (5) multilateral economic cooperation mechanisms.

2. Research results

Direct investment (FDI) flows are investments in the form of ownership and control of enterprises (OECD, 2020), FDI has a positive impact on the economic development of countries with developing economies. development (Sarkodie & Strezov, 2019), while creating stable and lasting links between economies (OECD, 2020). FDI is the first indicator surveyed by the research author to clarify the participation of the USA and PRC in mergers and acquisitions, building new facilities, and reinvesting profits earned from operations in other countries. Southeast Asia.

Source: fDi Markets

Figure 2. Percentage of FDI into Southeast Asia from 2003 to 2017

Figure 3 reflects the percentage of FDI into Southeast Asian countries in the period 2003 – 2017, it is easy to see that the USA directs the strongest FDI inflows to Thailand and Myanmar, followed by the Philippines, Indonesia, and Malaysia. and Vietnam, PRC directs the strongest FDI inflows to Laos, and Cambodia, followed by Myanmar, Indonesia, Malaysia, and the Philippines…, most notably in the case of Vietnam because the total FDI volume of PRC and USA combined is still lower. FDI volume from Japan, Korea, and Southeast Asia.

Nguồn: fDi Markets

Figure 3. Orientation of FDI into Southeast Asia from 2003 to 2017

The value of exports and imports also reflects a country’s power and position in the international arena (Hausmann & Rodrik, 2006; Easterly et al., 2009). Exporting is the process of selling goods or services from one country to another and earning a foreign currency surplus (Joshi, 2005; Baldwin & Harrigan, 2007). Import is understood as the purchase of goods or services from another country, import allows a country to obtain products or services that it does not have or is scarce, high cost, or low quality from other countries. other countries (Lequiller & Blades, 2006; Baldwin & Harrigan, 2007)

Table 2. Comparison of import and export values ​​between Southeast Asian countries

With PRC and USA in 2018

Unit: B = billion USD; M = million USD

Source: Author’s statistics from country data

In international economic relations, the export and import concentration in one country, in addition to the positive aspects pointed out above, also reflects an economic dependence on the market and supply. The country that is the main market or source of imports is considered to have the power to influence the partner country.

Table 2 provides statistical data on the export value of Southeast Asian countries to the PRC and USA markets and the value of goods and services imported from the PRC and USA of the Southeast Asian countries in 2018. Price observations Export value of Southeast Asian countries to the PRC market, we find that for Indonesia, Laos, Myanmar, Singapore, and Thailand, PRC is the most important export market and the USA is the most important export market. of Cambodia, the Philippines, and Vietnam. Looking at the import value from PRC and USA of Southeast Asian countries, it is found that PRC is the most important source of supply for 9/11 countries, while the USA has not ranked first and second in both 11/ 11 countries. PRC is the largest trading partner with Vietnam in the region. Through export and import values ​​with PRC and USA in the region PRC is the most important source of goods and services in Southeast Asia, and also an important market for the region, compared to the USA. , market advantages and supply are all in favor of the PRC.

Bilateral and multilateral trade cooperation mechanisms contribute significantly to shaping the influence and economic power of Washington and Beijing in Southeast Asia (Bhattacharyay, 2012; Trinh Thi Hoa & Nguyen Thi Hang, 2018; Otsuka & Sugihara, 2019), and the bilateral economic relations between the PRC and the USA with Southeast Asian countries are demonstrated through the cooperation between these two countries with 11 Southeast Asian countries, the most direct. are 10 ASEAN countries and the competition between PRC and USA in this region. Multilateral mechanisms are expressed through organizations and mechanisms (forums, agreements, regions…), specifically:

Bilateral mechanisms are very important to PRC, PRC has affirmed its strong support in bilateral relations with Cambodia since 2010 with calculations related to the Sihanoukville port and other complicated political issues. . PRC has elevated its relationship with Malaysia to a comprehensive strategic partnership since 2013. PRC wishes to promote strategic cooperation with Laos from 2016 related to hydropower projects on the Mekong River. The PRC considers Thailand a brother in defense and investment relations at the same time that it considers the relationship with the Philippines to be at a golden stage since 2017. The PRC promotes trade relations with Indonesia and views this relationship as bringing benefits. benefits and peace for the world (2018). PRC is committed to promoting the development of an economic corridor from the PRC-Myanmar border to the Bay of Bengal (2019). In 2019, PRC signed with Singapore many cooperation agreements, upgrading the Singapore Free Trade Agreement – PRC.

The Belt and Road Initiative was launched by Beijing in 2013 with a focus on one road, the “21st Century Maritime Silk Road” (MSR), originating in Fuzhou. (Fuzhou), connecting coastal cities including Hanoi, Jakarta, Kuala Lumpur, Kolkata, and Nairobi, this plan starts with promises to build modern ports and logistics facilities, MSR directly cooperates affecting the majority of ASEAN countries with economic approaches from support, direct investment, aid… by bringing “carrots” of economic benefits to the disputing partners, the PRC wants the country concerned “submitted�?to its claims to sovereignty.

With the USA, Southeast Asia is considered an important investment destination in the Indo-Pacific region. In Southeast Asia, the Philippines and Thailand are considered traditional allies of the USA, but in recent years these two countries have tended to be more connected with the PRC, USA – Vietnam economic relations since 2010. There have been many positive developments so far. In the foreign policy of the USA, economic cooperation in Southeast Asia is confirmed to be strong (USA Embassy in Vietnam, 2019), but in reality, Southeast Asia is still inseparable from the vision. Indo-Pacific Strategy �?expansion and revision of President Barack Obama’s Asia-Pacific rebalancing strategy and preventing the rise of the PRC, preserving US power in the area of ​​President Donald Trump. Most recently, the efforts to create a “Prosperous Economic Network” of the “Diamond Quartet” group of the USA, Australia, Japan, and India, with the invitation of Vietnam, Korea, and New Zealand, have brought many promises. promises on economic development, restructuring new global value chains.

The multilateral economic cooperation mechanisms in Southeast Asia are of great interest to both the USA and PRC, including ASEAN+3 (PRC, Korea, Japan), the Asian Dialogue Forum (ACD), and the Asian Dialogue Forum. Asia-Pacific Cooperation (ASEM), Asia-Pacific Economic Cooperation (APEC), Regional Comprehensive Economic Partnership (RCEP), Comprehensive and Progressive Agreement for Trans-Pacific Partnership Ocean (CPTPP), ASEAN – PRC Free Trade Area (ACFTA)… The presence in the multilateral structure of the USA is also demonstrated through negotiations on the ASEAN “Single Window” mechanism with the environmental system. auto trade (ACE), the Ayeyawady-Chao Praya-Mekong economic cooperation strategy (ACMECS) within the framework of the Indo-Pacific Strategy, but the US withdrawal from the Trans-Pacific Partnership Agreement (Trans-Pacific Partnership Agreement – TPP) caused many regrets. From the PRC side, strong investment decisions have been made from the One Belt One Road (OBOR) initiative and now the Belt and Road Initiative (BRI) since 2013 Although it is highly expected by President Xi Jinping and the leaders of Zhongnanhai, its outcome will be controversial.

3. Research conclusions and recommendations for Vietnam’s countermeasures

�?.1. Conclusion of the study

Through research data, the article first acknowledges that USA and PRC have been making important contributions in providing resources for the economic development of Southeast Asian countries, USA and PRC are and will be the leading economic partner of Southeast Asian countries, and of course, raising diplomatic relations in general and especially economic diplomacy with the USA and PRC are priorities in the policies of these countries. Southeast Asia. The PRC’s economic presence in Southeast Asia is somewhat stronger than in the USA, and in foreign policy decisions, Southeast Asian countries are prone to leaning towards the PRC under economic pressure. Economically, PRC has used its central position in the production network and market potential of Southeast Asian countries, this is the goal of using economic strength as a way to shape success. their power structure in Southeast Asia, thereby affecting the global economy and politics.

3.2. Proposal for Vietnam’s countermeasures

From the conclusion of the study on the economic presence of the USA and PRC in Southeast Asia, the author has three recommendations for Vietnam’s countermeasures:

First, Vietnam needs to identify multilateral economic diplomacy as the mainstay of its foreign economic policy.

Next, balance the economic relationship with USA and PRC.

Finally, Vietnam should continue to strengthen economic cooperation within Southeast Asia and support the increased economic presence of other economic powers to create a balance in the regional power system.

REFERENCES

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Baldwin, R. & Harrigan, J. (2007). Zeros, Quality and Space: Trade Theory and Trade Evidence. NBER Working Paper.

Bhattacharyay, B.N. (2012). Benefits and Challenges of Integrating South and Southeast Asia. International Journal of Development and struction, pp.40�?6.

Campbell, K. & O’Hanlon, M. (2006). Hard Power: The New Politics of National Security. Political Science Quarterly Vol. 122, No. 4, pp.706.

 Đại s�?quán Hoa K�?tại Việt Nam (2019). Hoa k�?và ASEAN �?Quan h�?đối tác bền vững. //vn.usembassy.gov/vi/hoa-ky-va-asean-quan-he-doi-tac-ben-vung/

Easterly, W., Reshef, A., Schwenkenberg, J. (2009). The Power of Exports. Policy Research working paper.

Francois, J. F. & Wignaraja, G. (2008). Economic Implications of Asian  Integration. Global Economy Journal 6, pp.1�?6.

Hausmann, R., & Rodrik, D. (2006). Doomed to Choose: Industrial Policy as Predica-ment. Working Paper.

Jetin, B. & Mikic, M. (2016). ASEAN Economic Community: A Model for Asia-wide Regional Integration?. New York: Palgrave Macmillan.

Joshi, R. M. (2005). International Marketing. Oxford University Press.

Kemensits, P. (2018). Geopolitical Consequences of the 21st century New Maritime silk Road for southeast Asian Countries. An International Journal, Vol 4, No.1, pp.107.

Lequiller, F. & Blades, D. (2006). Understanding National Accounts. OECD, pp. 139.

Lieberman, V. (2003). Strange parallels: Southeast Asia in global context, c. 800�?830, Vol. 1: Integration on the mainland. Cambridge: Cambridge University Press.

Majid, M. (2012). Southeast Asia between China & the United States. IDEAS Special Reports.

Michael Cox, M. (2012). Indispensable Nation? The United States in Southeast Asia, The new geopolitics ò southeast asia. IDEAS Special Reports.

Payne, R. (2013). Global Issues. New York, New York. Pearson.

Ravenhill, J. (2006). Is China an Economic Threat to Southeast Asia?. Asian Survey 46, no. 5 (2006): 653, pp.74.

Santasombat, Y. (2018). Chinese Capitalism and Economic Integration in Southeast Asia. ISEAS Publishing.

  Sarkodie, S. A. & Strezov, V. (2019). Effect of foreign direct investments, economic development and energy consumption on greenhouse gas emissions in developing countries. Science of the Total Environment, pp.862.

Shimada, R. (2018). Invisible links: Maritime trade between Japan and South Asia in the early modern period.

Spyros Economides & Wilson, P. (2001). The economic factor in international relations: a brief introduction. Library of international relations. (19th). I.B. Tauris, London.

 Sugihara, K.O. (2019). Southeast Asia and International Trade: Continuity and Change in Historical Perspective, Paths to the Emerging State in Asia and Africa. Springer Nature Switzerland.

Tổng cục Thống kê Việt Nam (2019). Thống kê một s�?ch�?tiêu kinh t�?ch�?yếu năm 2018 và năm 2019. //www.gso.gov.vn/Default.aspx?tabid=217

Trịnh Th�?Hoa & Nguyễn Th�?Hằng (2018), Cấu trúc quyền lực kinh t�?đang định hình �?châu Á – Thái Bình Dương và vai trò trung tâm của ASEAN. //www.lyluanchinhtri.vn/home/index.php/quoc-te/item/2654-cau-truc-q…

Viotti, P. R. & Kauppi, M. V. (2013). International Relations and World Politics, Fifth Edition. New York, New York. Pearson.

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Wilson, E.J. (2008). Hard Power, Soft Power, Smart Power. The Annals of the American Academy of Political and Social Science. 616 (1), pp.110-113.

Author: Nguyễn Đức Quyền –  Nguyễn Quang Trung

The first presentation focused on the ability to combine two subjects into one new subject. Instructor Nguyen Duy Truong summarizes the overview of the reasons why it is necessary to combine two subjects Business Case 01 and Business Project 02, into a new subject called “Setting up a Business Plan” for the code. Vietnamese, and “Business SetUp and Planning�?for the English code.

This was followed by a presentation by lecturer Ho Trung Thao summarizing the statistics from the two subjects DAKD1 and DAKD2 in the past two school years, and analyzed the good and bad points as well as the weaknesses of the two subjects. this subject. In general, these two subjects have helped students better understand the realities and difficulties that businesses face when drafting a business plan.

But with the speed of development outside of business and in the field of education as the country’s economy is increasingly integrated into the international trade machine, and most importantly, DAKD1 is no longer taught, a subject. The new curriculum will be necessary to not only ensure the integrity of the series of these two subjects, but also an opportunity to promote new points as well as overcome the weaknesses of the two old subjects. That is the detailed presentation of lecturer Nguyen Duy Truong about the proposal and initial preliminary plan for the new course which is counted as four (04) credits. Finally, Dr. Tran Thi Ut summarizes the complementarity of this subject with the Entrepreneurship Industry that the Faculty of Management Economics is preparing to open, and Dr. Ut is the project owner.

The presentation was dissected, analyzed and contributed by the lecturers of the Faculty of International Accounting to help the new subject, if approved, be open, practical, practical and close to the quality of the report. at consulting enterprises, contributing to improving the quality of teaching at Hoa Sen, as well as accompanying enterprises to train future generations of business leaders.

Similarly, the second report, conducted by lecturer Nguyen Duy Truong, presents a new trend for the business/trade/investment linkage model that has been established for many years, but has not yet been noticed. fully and properly in Vietnam. This business association model has the potential to greatly influence the Vietnamese economy in the future and understanding it will help Hoa Sen students have a better and more realistic understanding of the business environment. dynamic international. If opened, this will be a subject taught for the first time at a non-public university in Vietnam.

As with the first presentation, this second report also received candid but constructive input from the participating colleagues. Although the original plan was to teach only in English because there were not many materials in Vietnamese, the meeting discussed and agreed to open this new subject in both Vietnamese and English to increase knowledge and opportunity. learning opportunities for students, as well as upgrading the quality of training programs at Hoa Sen.

Presentation group MSc. Nguyen Duy Truong, MSc. Ho Trung Thao, Dr. Tran Thi Ut

1. FINTECH TECHNOLOGY APPLICATION IN THE FIELD OF FINANCE SBV:

It is expected that from 2021, the application will be officially received and approved for banks and Fintech solution providers to participate in the Fintech Operation Trial Mechanism in the banking sector. According to the Draft Decree being developed, the Fintech fields that can participate in the Fintech Trial Mechanism include Payment, Credit, Peer-to-Peer Lending (P2P Lending), Customer Identification Support, Programming Interface Open applications (Open API), Innovative technology application solutions such as Blockchain, Other services supporting banking activities (credit scoring, savings, capital mobilization…) Fintech solutions are 1-2 years depending on the specific solution and field, counting from the time of being approved for testing by the Prime Minister. Based on the summary report and monitoring process, submit to the Prime Minister the next solution, including Stopping the test, certifying the completion of the test, or extending the test. This is an opportunity and a challenge in the development of the digital economy in Vietnam. What will we prepare to catch up with the trend in the 4.0 economy?

2. FINTECH TECHNOLOGY IN Peer-to-Peer Lending (P2P) SITUATION AND CHALLENGES IN VIETNAM

In this form, peer-to-peer lending businesses provide an online transaction platform for borrowers to directly connect loans with lenders. All borrowing and repayment activities (principal and interest) between borrowers and lenders are recorded and stored by the online transaction platform by electronic and digitized tables. Peer-to-peer lending is made on the basis of information technology, businesses operating in this type use Big Data technology to collect all data of both lenders and borrowers.

2.1.P2P benefits Promote financial inclusion, especially in areas where the financial system is underdeveloped, people, business households, and Small and Medium Enterprises (SMEs) have little access to financial banking services with low cost and fewer procedures. The appraisal of customer profiles is done online faster and cheaper than the traditional method, investors have the right to choose the partners they want to borrow on the peer-to-peer lending platform. The rapid progress of science and technology, the internet, mobile devices, and especially big data encourages the birth and development of technology products. Peer-to-peer lending also contributes to repelling black credit.

2.2.Risk Risk of policy, legal framework, credit law for supervision, and management for peer-to-peer lending activities. Risks for borrowers and lenders when engaging in peer-to-peer lending.

3. APP Lending ACTIVITIES STATUS AND CHALLENGES IN VIETNAM

3.1. How much is the loan interest rate called “usury”?

According to Article 201 of the Penal Code 2015, amended and supplemented in 2017, lending at an interest rate 5 times or more of the highest interest rate prescribed in the Civil Code and earning illicit profits is considered usury. �?Pursuant to Article 468 of the 2015 Civil Code, the interest rates are as follows:

3.1.1. The interest rate of the loan shall be agreed upon by the parties. �?Where the parties have an agreement on the interest rate, the agreed interest rate must not exceed 20%/year of the loan amount, unless otherwise provided by other relevant laws. Based on the actual situation and at the proposal of the Government, the National Assembly Standing Committee shall decide to adjust the above-mentioned interest rates and report to the National Assembly at the nearest meeting. �?In case the agreed interest rate exceeds the limit interest rate specified in this Clause, the excess interest rate will not take effect.

3.1.2. In case the parties have an agreement on interest payment, but the interest rate is not clearly defined and there is a dispute over the interest rate, the interest rate shall be determined equal to 50% of the limit interest rate specified in Clause 1 of this Article at the time of payment. pay.

3.2. Actual situation:

3.2.1. First form of loan: Lenders will create applications (apps) on phones such as “tocdo loan”, “Moreloan”, “VD online”. These applications are widely introduced through channels such as facebook, Web for easy access to borrowers. When there is a need, the application will ask the borrower to create an account to provide personal information (photo, ID card, bank account number) and agree to their terms, including mandatory terms. the borrower consents to the application to access the mobile phone book. The actual borrower is not allowed to borrow the correct amount, but minus a number called service fee or prepaid interest. If the interest is late, there will be a penalty of 2-5%, and the loan amount through the application can be up to 3% / day, 90% / month. When the due date is near, there will be staff reminding the debt and if not paying correctly, someone will call relatives and friends to threaten the borrower.

3.2.2. Second form of loan: Lenders will create applications (apps) on phones. These applications are widely introduced through channels such as facebook, Web for easy access to borrowers. The way it works is that the interest rate doesn’t seem to be high, but management fees, debt collection, consulting fees, etc. are very high. For example, borrow 4 million in 7 days with an interest rate of 0.02%/day. But actually received only about 2 million – 3 million VND due to the management fee deduction. Borrowers must provide information about ID card, phone. After that, when not paying the loan on time, they will be guided to other applications to borrow, borrowing through many apps will increase the amount to be paid many times, borrowing 4 million can increase to 20 million. If the borrower does not pay these subjects, they set up a virtual facebook on the internet to defame, defame, terrorize the borrower’s family, etc. There are even cases where customers download the app, then only ask for loan information but then change their mind not to borrow. But after that, he was constantly asked for debt for the reason that it was a consulting fee.

3.3.Challenge:

There is no clear law and strict sanctions on this form of lending through this app �?People’s need today to cover small but urgent consumption is still a lot. �?While that loan is orthodox at commercial banks, although the loan procedure has been greatly reduced, it is still not as fast and simple as borrowing through the app, causing people’s fear of banks.

4. COMMENTS AND CONCLUSION

Completing the legal framework in Vietnam for revolutionary financial products and services, solution providers, lenders, and borrowers. Research, update and amend the Law on Credit Institutions. In addition, it is necessary to study lending models in the world, and experience in managing and monitoring this activity, thereby building an optimal legal framework to promote the positive aspects of these products and services. Introduce regulations and policies to minimize risks and negative impacts on participants, and ensure safety for people, solution providers, and lenders, thereby promoting development. financial inclusion in Vietnam. Participants (businesses and people), need to carefully consider and calculate carefully to avoid falling into the consequences of loans, black credit… In which, people and businesses should carefully learn information, Be careful when joining lending platforms.

• The recruitment process and recruitment activities can apply anthropology techniques such as screening CVs, preliminary interviews, and face-to-face interviews…
• A number of methods such as handwriting, looking at facial features, and the candidate’s personality expressed through the handwriting as well as the expressions on the facial features will help the interviewer to identify the candidate’s personality to determine whether Is it suitable for the position you are applying for?

The presentation is based on the results of the actual research and the participants are also given hands-on practice to see the authenticity of this application. And results:

In terms of advantages: is a tool to identify candidates’ personalities quickly and reasonably In terms of disadvantages: it is the conclusion of the researcher through actual cases and references and no verified scientific theory.

It is agreed by the participating lecturers to form a subject because of its value.

Finally, Master Nguyen Thanh Van presented, now business owners are very interested in this issue because they can prove their vision of people, and hope we can develop it into knowledge for students.

Author: Master Nguyen Thanh Van & Master Tu Minh Tri

These are the steps that students should take.

Subjects: are students who are enrolled in a full-time undergraduate program at the University in a specific 4-year study schedule: current students of the 2019, 2020, 2021 courses

Application period: From August 8, 2022 to August 22, 2022

Student announcement details::

Sen Excellence Scholarship 2022-2023 at the link:: //ntc33.net/thong-bao-xet-cap-hoc-bong-sen-uu-tu-nam-hoc-2022-2023/embed/#?secret=VvoqNnHbPe

How to apply: Online

Hope you will soon receive the scholarship of the school as desired.

#HSU#FLIT#Hocbong2022-2023#TIPS

The Swiss Logistics Professional Association, a famous and well-respected organization not only in Europe but also internationally, issuing the FIATA accreditation, which is a certificate.

So how do you acquire this certificate? It’s difficult if you don’t know it, but once you do, it becomes simple after just one click. When you have satisfied the university’s EIC6 English prerequisite or have an international English certificate with a band score of 5.5, you will be able to enroll in Hoa Sen University’s Logistics major with the code HSU and learn 8 specialized subjects with FIATA codes. Following your graduation from college, you now hold a bachelor’s degree in logistics from a reputable institution that consistently emphasizes practical learning. You have also earned a FIATA license and practiced at some of Vietnam’s most cutting-edge seaports. After practicing with major shipping lines like Maersk Line, foreign forwarder agencies, or top logistics organizations in Vietnam, obtain a work permit straight away.

Here is an example of a certificate that someone recently received:

“Dr. Nguyen Phuong Lien, Logistics Lecturer at Hoa Sen University”

There is no doubt that the students have also had time to work with their professors and study. The 5-week session went extremely well, and the Faculty of Logistics – International Trade is very appreciative that the course has been warmly accepted. Since you now possess sufficient knowledge and are prepared for the upcoming exam, don’t forget to show up on Sunday, August 7 this week for the final exam in order to get a certificate of completion for the course.

We wish you all the best in your upcoming exams.

TRY YOUR BEST.

#HSU#FLIT#BEST2#QHSE

After 9 years of persistently planting the seeds of kindness, LUYF has given opportunities to more than 500 students from universities across the country. Each scholarship is the practical value of both the material support and especially the enthusiasm of the LUYF team, accompanying in the effort to transfer skills, experience, education �?and above all, the joy of learning. trust so that they can be firmly in the development journey and they themselves continue to be the bridge to create hopes for the next generation.

The LUYF Scholarship Fund has officially launched season 9 at the Season 8 Scholarship Award Ceremony (taking place in Hanoi and Ho Chi Minh City). Elevated as the flagship program of WorldClass – Deloitte Global’s initiative to bring positive impacts to millions of people through education and training, LUYF season 9 will shape and connect all scholarship applicants (including non-scholarship candidates) into the community Lighting up the future generations and providing training programs/projects to equip the necessary skills and here is a new feature of this year’s program.

1. Registration deadline: September 8, 2021 (adjusted from the original)
2. How to register: Students fill in the registration form //forms.office.com/Pages/ResponsePage.aspx?id=8UXaNizdH02vE1q-RrmZIRdFPkhLmeNIhBXSeTcc5XFUMktZU0xLOExUVjNWQUk5R0lNU0paRlFXNS4u

Hope you will soon receive a scholarship as desired.