{"id":11005,"date":"2020-10-28T00:00:00","date_gmt":"2020-10-27T17:00:00","guid":{"rendered":"https:\/\/hoasen.ntc33.net\/tai-chinh-thong-minh-tuoi-20-quan-tri-rui-ro\/"},"modified":"2023-10-05T08:03:33","modified_gmt":"2023-10-05T01:03:33","slug":"tai-chinh-thong-minh-tuoi-20-quan-tri-rui-ro","status":"publish","type":"post","link":"https:\/\/ntc33.net\/tai-chinh-thong-minh-tuoi-20-quan-tri-rui-ro\/","title":{"rendered":"T\u00e0i ch\u00ednh th\u00f4ng minh tu\u1ed5i 20 & Qu\u1ea3n tr\u1ecb r\u1ee7i ro"},"content":{"rendered":"<\/p>\n
\n

S\u00e1ng ng\u00e0y 22\/10\/2020, h\u1ed9i th\u1ea3o \u201cT\u00e0i ch\u00ednh th\u00f4ng minh tu\u1ed5i 20 v\u00e0 Qu\u1ea3n tr\u1ecb r\u1ee7i ro\u201d \u0111\u01b0\u1ee3c B\u1ed9 m\u00f4n T\u00e0i ch\u00ednh – K\u1ebf to\u00e1n, Khoa Kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb, tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen v\u00e0 c\u00f4ng ty ch\u1ee9ng kho\u00e1n VNDirect \u0111\u1ed3ng t\u1ed5 ch\u1ee9c di\u1ec5n ra t\u1ea1i tr\u1ee5 s\u1edf Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen (TP.HCM). H\u1ed9i th\u1ea3o n\u1eb1m trong chu\u1ed7i s\u1ef1 ki\u1ec7n k\u1ebft n\u1ed1i doanh nghi\u1ec7p v\u1edbi nh\u00e0 tr\u01b0\u1eddng nh\u1eb1m h\u01b0\u1edbng d\u1eabn c\u00e1c sinh vi\u00ean c\u00e1ch s\u1eed d\u1ee5ng ngu\u1ed3n ti\u1ec1n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 ng\u0103n ng\u1eeba r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u1ed3ng th\u1eddi s\u1ebd l\u00e0 n\u1ec1n t\u1ea3ng cho c\u00e1c sinh vi\u00ean trong c\u00f4ng vi\u1ec7c sau n\u00e0y.<\/p>\n

S\u1ef1 ki\u1ec7n c\u00f3 s\u1ef1 tham d\u1ef1 c\u1ee7a TS Tr\u1ea7n Nam Qu\u1ed1c – Ph\u00f3 tr\u01b0\u1edfng Khoa Khoa Kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb, TS Nguy\u1ec5n Th\u1ecb Kim \u2013 Tr\u01b0\u1edfng B\u1ed9 m\u00f4n v\u00e0 ThS \u0110\u1ed7 Th\u1ecb H\u1ed3ng H\u00e0, Ph\u00f3 Tr\u01b0\u1edfng B\u1ed9 m\u00f4n T\u00e0i ch\u00ednh – K\u1ebf to\u00e1n c\u00f9ng \u0111\u00f4ng \u0111\u1ea3o sinh vi\u00ean tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen. Hai di\u1ec5n gi\u1ea3 c\u1ee7a h\u1ed9i th\u1ea3o l\u00e0 ThS Phan Nguy\u1ec5n H\u1eefu Ph\u01b0\u01a1ng \u2013 Gi\u00e1m \u0111\u1ed1c Ph\u00f2ng giao d\u1ecbch Sala (C\u00f4ng ty C\u1ed5 ph\u1ea7n Ch\u1ee9ng kho\u00e1n VNDirect) v\u00e0 TS Nguy\u1ec5n Thanh Nam \u2013 Gi\u1ea3ng vi\u00ean Khoa kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb, tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen.<\/p>\n

\n

\"H\u1ed9iH\u1ed9i th\u1ea3o \u201cT\u00e0i ch\u00ednh th\u00f4ng minh tu\u1ed5i 20 v\u00e0 Qu\u1ea3n tr\u1ecb r\u1ee7i ro\u201d thu h\u00fat nhi\u1ec1u\u00a0sinh vi\u00ean tham d\u1ef1.<\/p>\n<\/div>\n

X\u00e2y d\u1ef1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 an t\u00e2m \u0111\u1ea7u t\u01b0<\/strong><\/p>\n

V\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cX\u00e2y d\u1ef1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 an t\u00e2m \u0111\u1ea7u t\u01b0\u201d, ThS Phan Nguy\u1ec5n H\u1eefu Ph\u01b0\u01a1ng \u0111\u00e3 c\u00f3 b\u00e0i thuy\u1ebft tr\u00ecnh thu h\u00fat sinh vi\u00ean. Theo Ths Ph\u01b0\u01a1ng, s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh g\u1eafn v\u1edbi t\u00fai ti\u1ec1n c\u1ee7a b\u1ea1n (m\u1ed9t th\u00e1ng chi ti\u00eau bao nhi\u00eau ti\u1ec1n? Trung b\u00ecnh, m\u1ed9t ng\u01b0\u1eddi \u0111i l\u00e0m \u1edf nh\u00e0 thu\u00ea t\u1ea1i TP.HCM c\u00f3 m\u1ee9c thu nh\u1eadp 15 tri\u1ec7u \u0111\u1ed3ng l\u00e0 \u0111\u1ee7). S\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh l\u00e0 tr\u1ecdn \u0111\u1eddi v\u00e0 ph\u1ea3i x\u00e2y d\u1ef1ng th\u1eadn tr\u1ecdng.<\/p>\n

\n

ThS Phan Nguy\u1ec5n H\u1eefu Ph\u01b0\u01a1ng \u2013 Gi\u00e1m \u0111\u1ed1c Ph\u00f2ng giao d\u1ecbch Sala (C\u00f4ng ty C\u1ed5 ph\u1ea7n Ch\u1ee9ng kho\u00e1n VNDirect).<\/p>\n<\/div>\n

7 ti\u00eau chu\u1ea9n s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh t\u00ednh theo thang \u0111i\u1ec3m 100 g\u1ed3m c\u00f3: N\u0103ng l\u1ef1c ph\u00e1n \u0111o\u00e1n v\u00e0 l\u1ef1a ch\u1ecdn (40), c\u00e2n \u0111\u1ed1i \u0111\u01b0\u1ee3c thu chi, bao g\u1ed3m \u0111\u1ee7 nh\u1eefng nh\u00f3m chi c\u01a1 b\u1ea3n (10), tri th\u1ee9c v\u00e0 kinh nghi\u1ec7m \u0111\u1ea7u t\u01b0 (10), ki\u1ebfn t\u1ea1o \u0111\u01b0\u1ee3c ngu\u1ed3n thu \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu (10), k\u1ef7 lu\u1eadt t\u00edch l\u0169y v\u00e0 ki\u1ebfn t\u1ea1o n\u1ebfp s\u1ed1ng \u0111\u1ea7u t\u01b0 \u0111\u1ec1u \u0111\u1eb7n (10), ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a (10), thi\u1ebft l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u1ea7u t\u01b0 tr\u1ecdn \u0111\u1eddi (10). Theo Ths Ph\u01b0\u01a1ng, n\u0103ng l\u1ef1c ph\u00e1n \u0111o\u00e1n v\u00e0 l\u1ef1a ch\u1ecdn th\u00ec h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u00f3 v\u00e0 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i ng\u01b0\u1eddi kh\u00e1c nhau th\u1ebf n\u00e0o \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh \u1edf 6 y\u1ebfu t\u1ed1 c\u00f2n l\u1ea1i.<\/p>\n

S\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o c\u1ea3 3 lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp theo h\u00ecnh th\u00e1p: t\u00e0i s\u1ea3n ph\u00f2ng v\u1ec7 (b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe thanh to\u00e1n v\u00e0 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh tr\u1ecdn \u0111\u1eddi), t\u00e0i s\u1ea3n t\u00edch s\u1ea3n (t\u00edch s\u1ea3n theo m\u1ee5c ti\u00eau) v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0 c\u01a1 h\u1ed9i (k\u1ef3 v\u1ecdng mang l\u1ea1i l\u1ee3i nhu\u1eadn cao).<\/p>\n

\n

<\/p>\n<\/div>\n

Theo Ths Ph\u01b0\u01a1ng, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t t\u00e0i s\u1ea3n ph\u00f2ng v\u1ec7 r\u1ea5t nh\u00e2n v\u0103n nh\u01b0ng b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi gh\u00e9t v\u00ec hoa h\u1ed3ng sales r\u1ea5t cao g\u00e2y b\u1ea5t l\u1ee3i cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Th\u1ed1ng k\u00ea c\u1ee7a VNDirect, 70% m\u1ed1i quan t\u00e2m c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam t\u1eadp trung v\u1ec1 nh\u00e0 \u1edf b\u1edfi t\u00e2m l\u00fd \u201can c\u01b0 l\u1ea1c nghi\u1ec7p\u201d, nh\u00e0 \u1edf \u0111\u01b0\u1ee3c xem l\u00e0 t\u00e0i s\u1ea3n t\u00edch s\u1ea3n.<\/p>\n

C\u00f3 6 l\u1edbp t\u00e0i s\u1ea3n g\u1ed3m: b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ti\u1ec1n t\u1ec7, ch\u1ee9ng kho\u00e1n (c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu), h\u00e0ng h\u00f3a, b\u1ea3o hi\u1ec3m v\u00e0 ngu\u1ed3n l\u1ef1c con ng\u01b0\u1eddi. ThS Ph\u01b0\u01a1ng ph\u00e2n t\u00edch c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 cho sinh vi\u00ean, g\u1ed3m: g\u1eedi ti\u1ebft ki\u1ec7m (l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n, hi\u1ec7n m\u1ee9c l\u00e3i quanh\u00a06%\/n\u0103m v\u00e0 c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m theo th\u1ebf gi\u1edbi), \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (ph\u00e1t sinh d\u00f2ng ti\u1ec1n \u0111\u1ec1u v\u00e0 t\u0103ng gi\u00e1 theo th\u1eddi gian; ch\u00fa \u00fd v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd), h\u00e0ng h\u00f3a (v\u00e0ng l\u00e0 m\u1ed9t k\u00eanh sinh l\u1eddi t\u1ed1t trong d\u00e0i h\u1ea1n nh\u01b0ng kh\u00f4ng \u0111em l\u1ea1i d\u00f2ng ti\u1ec1n \u0111\u1ec1u h\u00e0ng n\u0103m cho nh\u00e0 \u0111\u1ea7u t\u01b0, th\u01b0\u1eddng t\u0103ng m\u1ea1nh trong th\u1eddi k\u1ef3 l\u1ea1m ph\u00e1t cao, r\u1ee7i ro suy tho\u00e1i\/kh\u1ee7ng ho\u1ea3ng), ti\u1ec1n t\u1ec7 (USD l\u00e0 k\u00eanh c\u00f3 m\u1ee9c sinh l\u1eddi th\u1ea5p, c\u1ea7n ch\u00fa \u00fd \u0111\u1ebfn r\u1ee7i ro ch\u00ednh tr\u1ecb), v\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n (c\u1ed5 phi\u1ebfu\/tr\u00e1i phi\u1ebfu, c\u1ea7n c\u00f3 chuy\u00ean gia h\u1ed7 tr\u1ee3).<\/p>\n

ThS Phan Nguy\u1ec5n H\u1eefu Ph\u01b0\u01a1ng c\u1ea3nh b\u00e1o, sinh vi\u00ean \u0111i vay ti\u1ec1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n v\u1edbi hy v\u1ecdng l\u1eddi g\u1ea5p \u0111\u00f4i, g\u1ea5p ba s\u1ebd d\u1ec5 r\u01a1i v\u00e0o \u201cd\u00e0nh h\u1ebft thanh xu\u00e2n \u0111\u1ec3 tr\u1ea3 n\u1ee3\u201d. C\u00e1c b\u1ea1n tr\u1ebb ph\u1ea3i th\u1eadn tr\u1ecdng v\u00e0 c\u00f3 ki\u1ebfn th\u1ee9c. L\u00e0 sinh vi\u00ean, c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 t\u1eeb thu nh\u1eadp ti\u1ebft ki\u1ec7m. V\u1edbi c\u00e2u h\u1ecfi \u201cl\u00e0 sinh vi\u00ean ch\u01b0a \u0111i l\u00e0m, ti\u1ec1n do b\u1ed1 m\u1eb9 cho th\u00ec ti\u1ec1n \u0111\u00e2u \u0111\u1ec3 \u0111\u1ea7u t\u01b0?\u201d, ThS Ph\u01b0\u01a1ng gi\u1ea3i b\u00e0i to\u00e1n cho c\u00e1c sinh vi\u00ean: gi\u1ea3m chi ti\u00eau, t\u0103ng thu nh\u1eadp b\u1eb1ng c\u00e1ch xin th\u00eam ti\u1ec1n b\u1ed1 m\u1eb9 ho\u1eb7c \u0111i l\u00e0m th\u00eam ki\u1ebfm ti\u1ec1n, gi\u00fap t\u0103ng thu nh\u1eadp, kinh nghi\u1ec7m l\u1eabn va ch\u1ea1m cu\u1ed9c s\u1ed1ng. Mu\u1ed1n t\u1ef1 do t\u00e0i ch\u00ednh ph\u1ea3i li\u00ean t\u1ee5c n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n, chi ti\u00eau h\u1ee3p l\u00fd, t\u00edch tr\u1eef t\u00e0i s\u1ea3n v\u00e0 kh\u00f4ng ng\u1eebng \u0111\u1ea7u t\u01b0.<\/p>\n

Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/p>\n

V\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cQu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\u201d, TS Nguy\u1ec5n Thanh Nam chia s\u1ebb \u0111\u1ebfn c\u00e1c sinh vi\u00ean nhi\u1ec1u ki\u1ebfn th\u1ee9c b\u1ed5 \u00edch.<\/p>\n

\n

\"TS TS Nguy\u1ec5n Thanh Nam \u2013 Gi\u1ea3ng vi\u00ean Khoa kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb, tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen.<\/p>\n<\/div>\n

TS Nam chia s\u1ebb, ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n theo nguy\u00ean t\u1eafc\u00a06 c\u00e1i l\u1ecd (JARS)\u00a0n\u1ed5i ti\u1ebfng kh\u1eafp th\u1ebf gi\u1edbi v\u1edbi l\u1ecbch s\u1eed h\u00e0ng tr\u0103m n\u0103m, \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng \u00e1p d\u1ee5ng. H\u1ecd c\u00f2n truy\u1ec1n l\u1ea1i ph\u01b0\u01a1ng ph\u00e1p h\u1eefu \u00edch n\u00e0y \u0111\u1ec3 gi\u00e1o d\u1ee5c t\u01b0 duy tri\u1ec7u ph\u00fa cho th\u1ebf h\u1ec7 sau. \u201cKh\u00f4ng quan tr\u1ecdng l\u00e0 b\u1ea1n c\u00f3 bao nhi\u00eau ti\u1ec1n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n gi\u1eef l\u1ea1i \u0111\u01b0\u1ee3c bao nhi\u00eau, v\u00e0 l\u00e0m cho s\u1ed1 ti\u1ec1n \u0111\u00f3 sinh s\u00f4i n\u1ea3y n\u1edf nhi\u1ec1u h\u01a1n bao nhi\u00eau l\u1ea7n\u201d, theo \u0111\u1ed3ng t\u00e1c gi\u1ea3 s\u00e1ch \u201cRich dad poor dad\u201d – Robert T. Kiyosaki.<\/p>\n

\n

<\/p>\n<\/div>\n

\u0110\u1ed1i v\u1edbi r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi, chi ti\u00eau d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi ti\u1ebft ki\u1ec7m. V\u00ec v\u1eady, khi theo d\u00f5i c\u00e1c kho\u1ea3n chi, ta s\u1ebd kh\u00f4ng chi ti\u00eau nhi\u1ec1u h\u01a1n nh\u1eefng g\u00ec ta ngh\u0129 ho\u1eb7c mong \u01b0\u1edbc. N\u1ebfu qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n t\u1ed1t th\u00ec ta s\u1ebd c\u00f3 d\u01b0 ti\u1ec1n khi ngh\u1ec9 h\u01b0u v\u00e0o m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3, gi\u00fap ta \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau, ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh; gi\u00fap ta \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh v\u00e0 gi\u00fap ta hi\u1ec3u \u0111\u01b0\u1ee3c n\u00ean chi ti\u00eau ti\u1ec1n b\u1ea1c v\u00e0o \u0111\u00e2u.<\/p>\n

\n

<\/p>\n<\/div>\n

V\u00f2ng \u0111\u1eddi t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n g\u1ed3m 3 giai \u0111o\u1ea1n: giai \u0111o\u1ea1n 1 – nh\u1eefng n\u0103m \u0111\u1ea7u l\u00e0 th\u1eddi gian t\u00edch l\u0169y c\u1ee7a c\u1ea3i, x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m, \u0111\u1ec1 ra nh\u1eefng m\u1ee5c ti\u00eau ban \u0111\u1ea7u cho t\u1eebng kho\u1ea3ng th\u1eddi gian v\u00e0 thi\u1ebft l\u1eadp chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. Giai \u0111o\u1ea1n 2: ti\u1ebfp c\u1eadn vi\u1ec7c v\u1ec1 h\u01b0u – nh\u1eefng n\u0103m v\u00e0ng: nh\u1eadn di\u1ec7n nh\u1eefng m\u1ee5c ti\u00eau trung h\u1ea1n \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u1edf giai \u0111o\u1ea1n 1, \u01b0\u1edbc t\u00ednh l\u1ea1i k\u1ebf ho\u1ea1ch nh\u1eb1m b\u00e1m s\u00e1t m\u1ee5c ti\u00eau hi\u1ec7n th\u1eddi v\u00e0 l\u00ean k\u1ebf ho\u1ea1ch chu\u1ea9n b\u1ecb ngh\u1ec9 h\u01b0u. Giai \u0111o\u1ea1n 3 : Nh\u1eefng n\u0103m v\u1ec1 h\u01b0u: gi\u1ea3m r\u1ee7i ro \u0111\u1ea7u t\u01b0, t\u1eadp trung duy tr\u00ec t\u00e0i s\u1ea3n hi\u1ec7n h\u1eefu h\u01a1n l\u00e0 gia t\u0103ng t\u00e0i s\u1ea3n v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch chuy\u1ec3n giao t\u00e0i s\u1ea3n. Ngo\u00e0i ra, c\u1ea7n d\u1ef1 t\u00ednh ngh\u1ec1 nghi\u1ec7p c\u00f3 th\u1ec3 l\u00e0m khi ngh\u1ec9 h\u01b0u nh\u01b0ng l\u01b0u \u00fd: c\u00f4ng vi\u1ec7c \u01b0a th\u00edch, nh\u1eb9 nh\u00e0ng, thu nh\u1eadp t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1eeba ph\u1ea3i, c\u00e2n b\u1eb1ng gi\u1eefa c\u00f4ng vi\u1ec7c v\u00e0 cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n.<\/p>\n

K\u1ebft l\u1ea1i b\u00e0i thuy\u1ebft tr\u00ecnh, TS Nguy\u1ec5n Thanh Nam khuy\u00ean sinh vi\u00ean \u0111\u1eebng b\u1ecf qua v\u00f2ng \u0111\u1eddi t\u00e0i ch\u00ednh v\u00e0 ph\u00e1t tri\u1ec3n t\u1ed1t ngh\u1ec1 nghi\u1ec7p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u00e0nh c\u00f4ng c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 th\u00e0nh c\u00f4ng t\u00e0i ch\u00ednh.<\/p>\n

Ho\u00e0ng Nguy\u1ec5n <\/strong><\/p>\n

\u1ea2nh: V\u0169 Ng\u1ecdc M\u1ea1nh<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

S\u00e1ng ng\u00e0y 22\/10\/2020, h\u1ed9i th\u1ea3o \u201cT\u00e0i ch\u00ednh th\u00f4ng minh tu\u1ed5i 20 v\u00e0 Qu\u1ea3n tr\u1ecb r\u1ee7i ro\u201d \u0111\u01b0\u1ee3c B\u1ed9 m\u00f4n T\u00e0i ch\u00ednh – K\u1ebf to\u00e1n, Khoa Kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb, tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen v\u00e0 c\u00f4ng ty ch\u1ee9ng kho\u00e1n VNDirect \u0111\u1ed3ng t\u1ed5 ch\u1ee9c di\u1ec5n ra t\u1ea1i tr\u1ee5 s\u1edf Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen (TP.HCM). H\u1ed9i th\u1ea3o n\u1eb1m trong chu\u1ed7i s\u1ef1 ki\u1ec7n k\u1ebft n\u1ed1i doanh nghi\u1ec7p v\u1edbi nh\u00e0 tr\u01b0\u1eddng nh\u1eb1m h\u01b0\u1edbng d\u1eabn c\u00e1c sinh vi\u00ean c\u00e1ch s\u1eed d\u1ee5ng ngu\u1ed3n ti\u1ec1n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 ng\u0103n ng\u1eeba r\u1ee7i ro t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u1ed3ng th\u1eddi s\u1ebd l\u00e0 n\u1ec1n t\u1ea3ng cho…<\/p>\n","protected":false},"author":1,"featured_media":11013,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[79,59],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/posts\/11005"}],"collection":[{"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/comments?post=11005"}],"version-history":[{"count":1,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/posts\/11005\/revisions"}],"predecessor-version":[{"id":11012,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/posts\/11005\/revisions\/11012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/media\/11013"}],"wp:attachment":[{"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/media?parent=11005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/categories?post=11005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ntc33.net\/wp-json\/wp\/v2\/tags?post=11005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}