{"id":86702,"date":"2024-11-21T09:44:58","date_gmt":"2024-11-21T02:44:58","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=86702"},"modified":"2024-11-21T15:28:54","modified_gmt":"2024-11-21T08:28:54","slug":"lai-suat-coupon-la-gi","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/lai-suat-coupon-la-gi\/","title":{"rendered":"L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec? 3 Lo\u1ea1i L\u00e3i Su\u1ea5t Coupon Ph\u1ed5 Bi\u1ebfn"},"content":{"rendered":"\n<div class=\"kk-star-ratings\n     kksr-valign-top     kksr-align-left    \"\n    data-payload=\"{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;86702&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;count&quot;:&quot;0&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.5&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;\\u0110\\u00e1nh gi\\u00e1 post&quot;,&quot;legend&quot;:&quot;4.5\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;22&quot;,&quot;width&quot;:&quot;119&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;}\">\n    \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 119px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n    \n<div class=\"kksr-legend\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 post<\/span>\n    <\/div>\n<\/div>\n<p>L\u00e3i su\u1ea5t coupon l\u00e0 kh\u00e1i ni\u1ec7m quen thu\u1ed9c trong th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu, \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh gi\u00e1 v\u00e0 thu h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0. Nh\u01b0ng b\u1ea1n \u0111\u00e3 th\u1ef1c s\u1ef1 hi\u1ec3u r\u00f5 v\u1ec1<strong> l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec<\/strong>? B\u00e0i vi\u1ebft n\u00e0y c\u1ee7a <strong><a href=\"https:\/\/jobsgo.vn\/\" target=\"_blank\" rel=\"noopener\">JobsGO<\/a><\/strong> s\u1ebd gi\u00fap b\u1ea1n gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc v\u1ec1 l\u00e3i su\u1ea5t coupon.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">M\u1ee5c l\u1ee5c<\/p><ul class=\"toc_list\"><li><a href=\"#1_Lai_Suat_Coupon_La_Gi\">1. L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#2_Dac_Diem_Cua_Lai_Suat_Coupon\">2. \u0110\u1eb7c \u0110i\u1ec3m C\u1ee7a L\u00e3i Su\u1ea5t Coupon<\/a><\/li><li><a href=\"#3_Cac_Loai_Lai_Suat_Coupon\">3. C\u00e1c Lo\u1ea1i L\u00e3i Su\u1ea5t Coupon<\/a><ul><li><a href=\"#31_Lai_Suat_Coupon_Co_Dinh\">3.1 L\u00e3i Su\u1ea5t Coupon C\u1ed1 \u0110\u1ecbnh<\/a><\/li><li><a href=\"#32_Lai_Suat_Coupon_Tha_Noi\">3.2 L\u00e3i Su\u1ea5t Coupon Th\u1ea3 N\u1ed5i<\/a><\/li><li><a href=\"#33_Lai_Suat_Coupon_Khong_Deu\">3.3 L\u00e3i Su\u1ea5t Coupon Kh\u00f4ng \u0110\u1ec1u<\/a><\/li><\/ul><\/li><li><a href=\"#4_Cong_Thuc_Tinh_Lai_Suat_Coupon\">4. C\u00f4ng Th\u1ee9c T\u00ednh L\u00e3i Su\u1ea5t Coupon<\/a><\/li><li><a href=\"#5_Anh_Huong_Cua_Lai_Suat_Coupon_Den_Trai_Phieu\">5. \u1ea2nh H\u01b0\u1edfng C\u1ee7a L\u00e3i Su\u1ea5t Coupon \u0110\u1ebfn Tr\u00e1i Phi\u1ebfu <\/a><\/li><li><a href=\"#6_So_Sanh_Lai_Suat_Coupon_Voi_Yield_To_Maturity_Va_Net_Present_Value\">6. So S\u00e1nh L\u00e3i Su\u1ea5t Coupon V\u1edbi Yield To Maturity V\u00e0 Net Present Value<\/a><\/li><\/ul><\/div>\n<h2><span id=\"1_Lai_Suat_Coupon_La_Gi\"><strong>1. L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec?<\/strong><\/span><\/h2>\n<p>Tr\u01b0\u1edbc khi t\u00ecm hi\u1ec3u <strong>l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec<\/strong>, ch\u00fang ta c\u1ea7n n\u1eafm r\u00f5 <strong>l\u00e3i l\u00e0 g\u00ec<\/strong> v\u00e0 <strong>coupon l\u00e0 g\u00ec?<\/strong><\/p>\n<p>L\u00e3i l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi cho vay nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb ng\u01b0\u1eddi \u0111i vay, ho\u1eb7c l\u00e0 kho\u1ea3n thu nh\u1eadp ph\u00e1t sinh t\u1eeb vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u1ed1n. \u0110\u00e2y l\u00e0 ph\u1ea7n th\u01b0\u1edfng cho vi\u1ec7c ng\u01b0\u1eddi cho vay ch\u1ea5p nh\u1eadn t\u1ea1m th\u1eddi kh\u00f4ng s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n c\u1ee7a h\u1ecd v\u00e0 chuy\u1ec3n giao cho ng\u01b0\u1eddi kh\u00e1c s\u1eed d\u1ee5ng. Kho\u1ea3n l\u00e3i n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t v\u00e0 th\u1eddi gian cho vay.<\/p>\n<p>Coupon l\u00e0 phi\u1ebfu nh\u1ecf \u0111\u00ednh k\u00e8m v\u1edbi ch\u1ee9ng ch\u1ec9 tr\u00e1i phi\u1ebfu gi\u1ea5y, ng\u01b0\u1eddi n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu c\u00f3 th\u1ec3 d\u00f9ng n\u00f3 \u0111\u1ec3 nh\u1eadn ti\u1ec1n l\u00e3i \u0111\u1ecbnh k\u1ef3. Ng\u00e0y nay, m\u1eb7c d\u00f9 tr\u00e1i phi\u1ebfu \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a v\u00e0 kh\u00f4ng c\u00f2n coupon v\u1eadt l\u00fd, thu\u1eadt ng\u1eef n\u00e0y v\u1eabn \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 kho\u1ea3n thanh to\u00e1n l\u00e3i \u0111\u1ecbnh k\u1ef3 m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n<blockquote id=\"coupon_l\u00e0_g\u00ec\" cite=\"https:\/\/jobsgo.vn\/blog\/lai-suat-coupon-la-gi\/#cong_thuc_tinh_lai_don\"><p>T\u1eeb \u0111\u00f3, ta s\u1ebd \u0111\u1ecbnh ngh\u0129a \u0111\u01b0\u1ee3c <strong>l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec<\/strong>? L\u00e3i su\u1ea5t coupon l\u00e0 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ngay khi ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, th\u1ec3 hi\u1ec7n m\u1ee9c l\u00e3i c\u1ed1 \u0111\u1ecbnh m\u00e0 ng\u01b0\u1eddi n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c trong m\u1ed7i k\u1ef3 tr\u1ea3 l\u00e3i. V\u00ed d\u1ee5, m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 m\u1ec7nh gi\u00e1 1 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t coupon 8%\/n\u0103m, tr\u1ea3 l\u00e3i 6 th\u00e1ng\/l\u1ea7n, ngh\u0129a l\u00e0 c\u1ee9 m\u1ed7i 6 th\u00e1ng nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c 40 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i (8% \u00d7 1 t\u1ef7 \u0111\u1ed3ng \u00f7 2). L\u00e3i su\u1ea5t coupon l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 v\u00e0 so s\u00e1nh c\u00e1c tr\u00e1i phi\u1ebfu kh\u00e1c nhau tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p><\/blockquote>\n<figure id=\"attachment_86704\" aria-describedby=\"caption-attachment-86704\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-86704 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/lai-suat-coupon-la-gi.jpg\" alt=\"l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec\" width=\"800\" height=\"550\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/lai-suat-coupon-la-gi.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/lai-suat-coupon-la-gi-300x206.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/lai-suat-coupon-la-gi-150x103.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/lai-suat-coupon-la-gi-768x528.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-86704\" class=\"wp-caption-text\"><center>L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec?<\/center><\/figcaption><\/figure>\n<p>Trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i, lo\u1ea1i l\u00e3i su\u1ea5t n\u00e0y th\u1ec3 hi\u1ec7n hai y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 quan tr\u1ecdng, bao g\u1ed3m:<\/p>\n<ul>\n<li aria-level=\"1\">L\u00e3i su\u1ea5t coupon ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 r\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh, t\u1ed5 ch\u1ee9c c\u00f3 m\u1ee9c t\u00edn nhi\u1ec7m cao th\u01b0\u1eddng c\u00f3 th\u1ec3 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu v\u1edbi l\u00e3i su\u1ea5t coupon th\u1ea5p h\u01a1n.<\/li>\n<li aria-level=\"1\">L\u00e3i su\u1ea5t coupon c\u00f3 m\u1ed1i quan h\u1ec7 m\u1eadt thi\u1ebft v\u1edbi l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong n\u1ec1n kinh t\u1ebf, th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng. Khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng t\u0103ng, c\u00e1c tr\u00e1i phi\u1ebfu m\u1edbi ph\u00e1t h\u00e0nh th\u01b0\u1eddng c\u00f3 l\u00e3i su\u1ea5t coupon cao h\u01a1n \u0111\u1ec3 duy tr\u00ec s\u1ee9c h\u1ea5p d\u1eabn v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<h2><span id=\"2_Dac_Diem_Cua_Lai_Suat_Coupon\"><strong>2. \u0110\u1eb7c \u0110i\u1ec3m C\u1ee7a L\u00e3i Su\u1ea5t Coupon<\/strong><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t coupon c\u00f3 nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh nh\u01b0:<\/p>\n<ul>\n<li aria-level=\"1\">T\u00ednh \u1ed5n \u0111\u1ecbnh: Khi tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh, l\u00e3i su\u1ea5t coupon th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh v\u00e0 duy tr\u00ec kh\u00f4ng \u0111\u1ed5i trong su\u1ed1t th\u1eddi gian t\u1ed3n t\u1ea1i c\u1ee7a tr\u00e1i phi\u1ebfu. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra m\u1ed9t d\u00f2ng thu nh\u1eadp c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c cho nh\u00e0 \u0111\u1ea7u t\u01b0, gi\u00fap h\u1ecd l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. T\u00ednh c\u1ed1 \u0111\u1ecbnh n\u00e0y \u0111\u1eb7c bi\u1ec7t h\u1ea5p d\u1eabn \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1ec3 ch\u1ebf nh\u01b0 qu\u1ef9 h\u01b0u tr\u00ed ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u1eefng t\u1ed5 ch\u1ee9c c\u1ea7n nh\u1eefng d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ecbnh k\u1ef3 c\u1ee7a h\u1ecd.<\/li>\n<li aria-level=\"1\">Thanh to\u00e1n \u0111\u1ecbnh k\u1ef3: C\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i coupon th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo m\u1ed9t l\u1ecbch tr\u00ecnh c\u1ed1 \u0111\u1ecbnh, ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 h\u00e0ng n\u0103m ho\u1eb7c n\u1eeda n\u0103m m\u1ed9t l\u1ea7n. T\u00ednh \u0111\u1ecbnh k\u1ef3 n\u00e0y t\u1ea1o ra m\u1ed9t c\u1ea5u tr\u00fac thanh to\u00e1n r\u00f5 r\u00e0ng, minh b\u1ea1ch, gi\u00fap c\u1ea3 ng\u01b0\u1eddi ph\u00e1t h\u00e0nh v\u00e0 ng\u01b0\u1eddi n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3. \u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0, vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i \u0111\u1ec1u \u0111\u1eb7n c\u00f3 th\u1ec3 gi\u00fap t\u1ea1o ra ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh, trong khi \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh, vi\u1ec7c n\u00e0y gi\u00fap ph\u00e2n b\u1ed5 g\u00e1nh n\u1eb7ng thanh to\u00e1n l\u00e3i m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd theo th\u1eddi gian.<\/li>\n<li aria-level=\"1\">C\u00f3 m\u1ed1i quan h\u1ec7 v\u1edbi gi\u00e1 tr\u1ecb danh ngh\u0129a: L\u00e3i su\u1ea5t coupon \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n d\u1ef1a tr\u00ean m\u1ec7nh gi\u00e1 (gi\u00e1 tr\u1ecb danh ngh\u0129a) c\u1ee7a tr\u00e1i phi\u1ebfu, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o gi\u00e1 th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i c\u1ee7a tr\u00e1i phi\u1ebfu. Ngh\u0129a l\u00e0 ngay c\u1ea3 khi gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng c\u1ee7a tr\u00e1i phi\u1ebfu bi\u1ebfn \u0111\u1ed9ng, s\u1ed1 ti\u1ec1n l\u00e3i coupon m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c v\u1eabn kh\u00f4ng thay \u0111\u1ed5i. \u0110\u1eb7c \u0111i\u1ec3m n\u00e0y t\u1ea1o ra m\u1ed9t l\u1edbp b\u1ea3o v\u1ec7 cho thu nh\u1eadp c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn \u0111\u1ed9ng ng\u1eafn h\u1ea1n c\u1ee7a th\u1ecb tr\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0m cho vi\u1ec7c t\u00ednh to\u00e1n d\u00f2ng ti\u1ec1n t\u1eeb tr\u00e1i phi\u1ebfu tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n v\u00e0 d\u1ec5 d\u1ef1 \u0111o\u00e1n h\u01a1n.<\/li>\n<li aria-level=\"1\">T\u00ednh ph\u00e1p l\u00fd: Khi m\u1ed9t t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t coupon nh\u1ea5t \u0111\u1ecbnh, h\u1ecd c\u00f3 ngh\u0129a v\u1ee5 ph\u00e1p l\u00fd ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i theo \u0111\u00fang l\u1ecbch tr\u00ecnh \u0111\u00e3 cam k\u1ebft. Vi\u1ec7c kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, bao g\u1ed3m vi\u1ec7c v\u1ee1 n\u1ee3 v\u00e0 c\u00e1c h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd kh\u00e1c. \u0110\u1eb7c \u0111i\u1ec3m n\u00e0y t\u1ea1o ra m\u1ed9t m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 quan tr\u1ecdng cho nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 g\u00f3p ph\u1ea7n l\u00e0m t\u0103ng t\u00ednh h\u1ea5p d\u1eabn c\u1ee7a tr\u00e1i phi\u1ebfu nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0.<\/li>\n<li aria-level=\"1\">C\u1ea5u tr\u00fac linh ho\u1ea1t: M\u1eb7c d\u00f9 l\u00e3i su\u1ea5t coupon th\u01b0\u1eddng l\u00e0 c\u1ed1 \u0111\u1ecbnh, nh\u01b0ng trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi c\u1ea5u tr\u00fac linh ho\u1ea1t h\u01a1n. V\u00ed d\u1ee5, c\u00f3 th\u1ec3 c\u00f3 tr\u00e1i phi\u1ebfu v\u1edbi l\u00e3i su\u1ea5t coupon th\u1ea3 n\u1ed5i, \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ecbnh k\u1ef3 d\u1ef1a tr\u00ean m\u1ed9t l\u00e3i su\u1ea5t tham chi\u1ebfu n\u00e0o \u0111\u00f3, ho\u1eb7c tr\u00e1i phi\u1ebfu step-up v\u1edbi l\u00e3i su\u1ea5t coupon t\u0103ng d\u1ea7n theo th\u1eddi gian. \u0110\u1eb7c \u0111i\u1ec3m n\u00e0y cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m tr\u00e1i phi\u1ebfu \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd n\u1ee3 c\u1ee7a h\u1ecd.<\/li>\n<li aria-level=\"1\">\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng: Khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng thay \u0111\u1ed5i, gi\u00e1 tr\u1ecb c\u1ee7a tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon c\u1ed1 \u0111\u1ecbnh s\u1ebd bi\u1ebfn \u0111\u1ed9ng theo h\u01b0\u1edbng ng\u01b0\u1ee3c l\u1ea1i. T\u00ednh ch\u1ea5t n\u00e0y t\u1ea1o ra c\u01a1 h\u1ed9i kinh doanh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng \u0111\u1eb7t ra th\u00e1ch th\u1ee9c trong vi\u1ec7c qu\u1ea3n l\u00fd r\u1ee7i ro gi\u00e1 tr\u1ecb danh m\u1ee5c \u0111\u1ea7u t\u01b0. \u0110\u1eb7c \u0111i\u1ec3m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng l\u00e0m cho tr\u00e1i phi\u1ebfu tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 ph\u1ee9c t\u1ea1p v\u00e0 \u0111\u00f2i h\u1ecfi s\u1ef1 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 ng\u00e0nh t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<h2><span id=\"3_Cac_Loai_Lai_Suat_Coupon\"><strong>3. C\u00e1c Lo\u1ea1i L\u00e3i Su\u1ea5t Coupon<\/strong><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t coupon \u0111\u01b0\u1ee3c chia ra th\u00e0nh 3 lo\u1ea1i d\u1ef1a tr\u00ean nh\u1eefng t\u00ednh ch\u1ea5t c\u1ee7a ch\u00fang tr\u00ean th\u1ecb tr\u01b0\u1eddng. M\u1ed7i lo\u1ea1i \u0111\u1ec1u c\u00f3 nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m ri\u00eang bi\u1ec7t v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 kh\u00e1c nhau. Vi\u1ec7c hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t coupon kh\u00f4ng ch\u1ec9 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn m\u00e0 c\u00f2n gi\u00fap h\u1ecd x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3, c\u00e2n b\u1eb1ng gi\u1eefa r\u1ee7i ro v\u00e0 l\u1ee3i nhu\u1eadn.<\/p>\n<figure id=\"attachment_86705\" aria-describedby=\"caption-attachment-86705\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-86705 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/discount-rate-la-gi.jpg\" alt=\"discount rate l\u00e0 g\u00ec\" width=\"800\" height=\"550\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/discount-rate-la-gi.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/discount-rate-la-gi-300x206.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/discount-rate-la-gi-150x103.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/discount-rate-la-gi-768x528.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-86705\" class=\"wp-caption-text\"><center>C\u00e1c Lo\u1ea1i L\u00e3i Su\u1ea5t Coupon<\/center><\/figcaption><\/figure>\n<h3><span id=\"31_Lai_Suat_Coupon_Co_Dinh\"><strong>3.1 L\u00e3i Su\u1ea5t Coupon C\u1ed1 \u0110\u1ecbnh<\/strong><\/span><\/h3>\n<p>L\u00e3i su\u1ea5t coupon c\u1ed1 \u0111\u1ecbnh l\u00e0 lo\u1ea1i l\u00e3i su\u1ea5t kh\u00f4ng thay \u0111\u1ed5i trong su\u1ed1t th\u1eddi gian t\u1ed3n t\u1ea1i c\u1ee7a tr\u00e1i phi\u1ebfu. Vi\u1ec7c x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb c\u1ee7a tr\u00e1i phi\u1ebfu lo\u1ea1i n\u00e0y li\u00ean quan \u0111\u1ebfn kh\u00e1i ni\u1ec7m discount rate. V\u1eady <strong>discount rate l\u00e0 g\u00ec<\/strong>? \u0110\u00e2y l\u00e0 t\u1ef7 l\u1ec7 chi\u1ebft kh\u1ea5u d\u00f9ng \u0111\u1ec3 quy \u0111\u1ed5i c\u00e1c d\u00f2ng ti\u1ec1n trong t\u01b0\u01a1ng lai v\u1ec1 gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i, gi\u00fap x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a tr\u00e1i phi\u1ebfu t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u1ecbnh gi\u00e1. V\u00ed d\u1ee5, m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 m\u1ec7nh gi\u00e1 1000 USD v\u1edbi l\u00e3i su\u1ea5t coupon c\u1ed1 \u0111\u1ecbnh 5%\/n\u0103m s\u1ebd tr\u1ea3 50 USD ti\u1ec1n l\u00e3i m\u1ed7i n\u0103m, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>\u01afu \u0111i\u1ec3m ch\u00ednh c\u1ee7a l\u00e3i su\u1ea5t coupon c\u1ed1 \u0111\u1ecbnh l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">D\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh, d\u1ec5 d\u1ef1 \u0111o\u00e1n.<\/li>\n<li aria-level=\"1\">Ph\u00f9 h\u1ee3p v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00edch an to\u00e0n.<\/li>\n<li aria-level=\"1\">\u0110\u01a1n gi\u1ea3n trong vi\u1ec7c t\u00ednh to\u00e1n v\u00e0 theo d\u00f5i.<\/li>\n<\/ul>\n<p>Tuy nhi\u00ean, lo\u1ea1i l\u00e3i su\u1ea5t n\u00e0y v\u1eabn c\u00f3 m\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf nh\u01b0:<\/p>\n<ul>\n<li aria-level=\"1\">R\u1ee7i ro khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng t\u0103ng cao.<\/li>\n<li aria-level=\"1\">Kh\u00f4ng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c c\u01a1 h\u1ed9i khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng t\u0103ng.<\/li>\n<\/ul>\n<h3><span id=\"32_Lai_Suat_Coupon_Tha_Noi\"><strong>3.2 L\u00e3i Su\u1ea5t Coupon Th\u1ea3 N\u1ed5i<\/strong><\/span><\/h3>\n<p>L\u00e3i su\u1ea5t coupon th\u1ea3 n\u1ed5i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean m\u1ed9t l\u00e3i su\u1ea5t tham chi\u1ebfu v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ecbnh k\u1ef3 c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi v\u1edbi c\u00e1i t\u00ean l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh. V\u1eady <strong>l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 g\u00ec<\/strong>? \u0110\u00e2y l\u00e0 c\u00f4ng c\u1ee5 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 quan tr\u1ecdng do ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng s\u1eed d\u1ee5ng, th\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m l\u00e3i su\u1ea5t tham chi\u1ebfu cho c\u00e1c tr\u00e1i phi\u1ebfu th\u1ea3 n\u1ed5i. V\u00ed d\u1ee5, m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 th\u1ec3 c\u00f3 l\u00e3i su\u1ea5t b\u1eb1ng LIBOR (London Interbank Offered Rate) c\u1ed9ng th\u00eam 2%.<\/p>\n<p>\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a l\u00e3i su\u1ea5t coupon th\u1ea3 n\u1ed5i l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">Thay \u0111\u1ed5i theo \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng.<\/li>\n<li aria-level=\"1\">Gi\u1ea3m thi\u1ec3u r\u1ee7i ro l\u00e3i su\u1ea5t cho nh\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n<li aria-level=\"1\">Ph\u1ea3n \u00e1nh nhanh \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i.<\/li>\n<\/ul>\n<h3><span id=\"33_Lai_Suat_Coupon_Khong_Deu\"><strong>3.3 L\u00e3i Su\u1ea5t Coupon Kh\u00f4ng \u0110\u1ec1u<\/strong><\/span><\/h3>\n<p>L\u00e3i su\u1ea5t coupon kh\u00f4ng \u0111\u1ec1u c\u00f3 l\u1ecbch tr\u1ea3 l\u00e3i thay \u0111\u1ed5i theo c\u00e1c m\u1ed1c th\u1eddi gian \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc. C\u00f3 3 h\u00ecnh th\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ec1u ph\u1ed5 bi\u1ebfn, \u0111\u00f3 l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">Step-up: L\u00e3i su\u1ea5t t\u0103ng d\u1ea7n theo th\u1eddi gian. V\u00ed d\u1ee5: N\u0103m 1-2: 3%, N\u0103m 3-4: 4%, N\u0103m 5: 5%<\/li>\n<li aria-level=\"1\">Step-down: L\u00e3i su\u1ea5t gi\u1ea3m d\u1ea7n theo th\u1eddi gian.<\/li>\n<li aria-level=\"1\">Custom: L\u00e3i su\u1ea5t thay \u0111\u1ed5i kh\u00f4ng theo quy lu\u1eadt.<\/li>\n<\/ul>\n<h2><span id=\"4_Cong_Thuc_Tinh_Lai_Suat_Coupon\"><strong>4. C\u00f4ng Th\u1ee9c T\u00ednh L\u00e3i Su\u1ea5t Coupon<\/strong><\/span><\/h2>\n<p>C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t coupon c\u1ee7a m\u1ed9t tr\u00e1i phi\u1ebfu d\u1ef1a tr\u00ean m\u1ec7nh gi\u00e1 v\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i m\u00e0 nh\u00e0 ph\u00e1t h\u00e0nh tr\u1ea3 h\u00e0ng n\u0103m cho ng\u01b0\u1eddi n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu. <strong>C\u00e1ch t\u00ednh ti\u1ec1n l\u00e3i <\/strong>tr\u00e1i phi\u1ebfu nh\u01b0 sau:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><em><strong>L\u00e3i su\u1ea5t coupon = (L\u00e3i su\u1ea5t h\u00e0ng n\u0103m \/ M\u1ec7nh gi\u00e1 g\u1ed1c c\u1ee7a tr\u00e1i phi\u1ebfu) x 100%<\/strong><\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Trong \u0111\u00f3:<\/p>\n<ul>\n<li aria-level=\"1\">S\u1ed1 ti\u1ec1n l\u00e3i h\u00e0ng n\u0103m: L\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e3i m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed7i n\u0103m t\u1eeb tr\u00e1i phi\u1ebfu (th\u01b0\u1eddng \u0111\u01b0\u1ee3c ghi r\u00f5 trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a tr\u00e1i phi\u1ebfu).<\/li>\n<li aria-level=\"1\">M\u1ec7nh gi\u00e1 tr\u00e1i phi\u1ebfu: L\u00e0 gi\u00e1 tr\u1ecb danh ngh\u0129a c\u1ee7a tr\u00e1i phi\u1ebfu khi ph\u00e1t h\u00e0nh (th\u01b0\u1eddng l\u00e0 1.000 USD ho\u1eb7c 100 tri\u1ec7u VND t\u00f9y lo\u1ea1i tr\u00e1i phi\u1ebfu).<\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td>V\u00ed d\u1ee5:<\/p>\n<p>N\u1ebfu m\u1ed9t tr\u00e1i phi\u1ebfu c\u00f3 m\u1ec7nh gi\u00e1 l\u00e0 1.000 USD v\u00e0 tr\u1ea3 50 USD ti\u1ec1n l\u00e3i m\u1ed7i n\u0103m, th\u00ec l\u00e3i su\u1ea5t coupon \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:<\/p>\n<p>L\u00e3i su\u1ea5t coupon = (50\/1000) x 100% = 5%<\/p>\n<p>L\u00e3i su\u1ea5t coupon 5% c\u00f3 ngh\u0129a l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c 5% c\u1ee7a m\u1ec7nh gi\u00e1 tr\u00e1i phi\u1ebfu m\u1ed7i n\u0103m, b\u1ea5t k\u1ec3 gi\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ee7a tr\u00e1i phi\u1ebfu c\u00f3 thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span id=\"5_Anh_Huong_Cua_Lai_Suat_Coupon_Den_Trai_Phieu\"><strong>5. \u1ea2nh H\u01b0\u1edfng C\u1ee7a L\u00e3i Su\u1ea5t Coupon \u0110\u1ebfn Tr\u00e1i Phi\u1ebfu <\/strong><\/span><\/h2>\n<figure id=\"attachment_86706\" aria-describedby=\"caption-attachment-86706\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-86706 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/cong-thuc-tinh-ty-suat-sinh-loi-cua-co-phieu.jpg\" alt=\"c\u00f4ng th\u1ee9c t\u00ednh t\u1ef7 su\u1ea5t sinh l\u1eddi c\u1ee7a c\u1ed5 phi\u1ebfu\" width=\"800\" height=\"550\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/cong-thuc-tinh-ty-suat-sinh-loi-cua-co-phieu.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/cong-thuc-tinh-ty-suat-sinh-loi-cua-co-phieu-300x206.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/cong-thuc-tinh-ty-suat-sinh-loi-cua-co-phieu-150x103.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2024\/11\/cong-thuc-tinh-ty-suat-sinh-loi-cua-co-phieu-768x528.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-86706\" class=\"wp-caption-text\"><center>\u1ea2nh H\u01b0\u1edfng C\u1ee7a L\u00e3i Su\u1ea5t Coupon \u0110\u1ebfn Tr\u00e1i Phi\u1ebfu<\/center><\/figcaption><\/figure>\n<p>L\u00e3i su\u1ea5t coupon l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb v\u00e0 s\u1ef1 h\u1ea5p d\u1eabn c\u1ee7a tr\u00e1i phi\u1ebfu tr\u00ean th\u1ecb tr\u01b0\u1eddng. Vi\u1ec7c t\u00ednh to\u00e1n l\u1ee3i nhu\u1eadn t\u1eeb tr\u00e1i phi\u1ebfu ph\u1ee9c t\u1ea1p h\u01a1n nhi\u1ec1u do ph\u1ea3i xem x\u00e9t nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 l\u00e3i su\u1ea5t coupon, th\u1eddi gian \u0111\u00e1o h\u1ea1n v\u00e0 gi\u00e1 th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i. Trong khi <strong>c\u00f4ng th\u1ee9c t\u00ednh t\u1ef7 su\u1ea5t sinh l\u1eddi c\u1ee7a c\u1ed5 phi\u1ebfu<\/strong> t\u1eadp trung v\u00e0o bi\u1ebfn \u0111\u1ed9ng gi\u00e1 v\u00e0 c\u1ed5 t\u1ee9c, tr\u00e1i phi\u1ebfu \u0111\u00f2i h\u1ecfi ph\u00e2n t\u00edch s\u00e2u h\u01a1n v\u1ec1 m\u1ed1i quan h\u1ec7 gi\u1eefa l\u00e3i su\u1ea5t coupon v\u1edbi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>Khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng t\u0103ng, gi\u00e1 tr\u00e1i phi\u1ebfu c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, b\u1edfi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd so s\u00e1nh l\u00e3i su\u1ea5t coupon c\u1ed1 \u0111\u1ecbnh c\u1ee7a tr\u00e1i phi\u1ebfu \u0111ang n\u1eafm gi\u1eef v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n c\u1ee7a c\u00e1c tr\u00e1i phi\u1ebfu m\u1edbi ph\u00e1t h\u00e0nh. Tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon cao th\u01b0\u1eddng \u00edt nh\u1ea1y c\u1ea3m v\u1edbi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng h\u01a1n so v\u1edbi tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon th\u1ea5p, do d\u00f2ng ti\u1ec1n l\u1edbn t\u1eeb c\u00e1c kho\u1ea3n thanh to\u00e1n coupon \u0111\u1ecbnh k\u1ef3 gi\u00fap b\u00f9 \u0111\u1eafp cho s\u1ef1 s\u1ee5t gi\u1ea3m gi\u00e1 tr\u1ecb khi l\u00e3i su\u1ea5t t\u0103ng.<\/p>\n<p>M\u1ed9t kh\u00eda c\u1ea1nh quan tr\u1ecdng kh\u00e1c l\u00e0 th\u1eddi gian \u0111\u00e1o h\u1ea1n c\u1ee7a tr\u00e1i phi\u1ebfu. Tr\u00e1i phi\u1ebfu d\u00e0i h\u1ea1n th\u01b0\u1eddng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh h\u01a1n t\u1eeb thay \u0111\u1ed5i l\u00e3i su\u1ea5t so v\u1edbi tr\u00e1i phi\u1ebfu ng\u1eafn h\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 v\u1edbi c\u00f9ng m\u1ed9t m\u1ee9c thay \u0111\u1ed5i l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, gi\u00e1 tr\u1ecb c\u1ee7a tr\u00e1i phi\u1ebfu d\u00e0i h\u1ea1n s\u1ebd bi\u1ebfn \u0111\u1ed9ng nhi\u1ec1u h\u01a1n. \u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng gi\u1eefa l\u1ee3i \u00edch c\u1ee7a l\u00e3i su\u1ea5t coupon cao v\u00e0 r\u1ee7i ro t\u1eeb bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb tr\u00e1i phi\u1ebfu.<\/p>\n<p>Trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t t\u0103ng, vi\u1ec7c n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon th\u1ea5p c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn chi ph\u00ed c\u01a1 h\u1ed9i \u0111\u00e1ng k\u1ec3, khi nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n tr\u00ean th\u1ecb tr\u01b0\u1eddng. Ng\u01b0\u1ee3c l\u1ea1i, trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t gi\u1ea3m, tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon cao tr\u1edf n\u00ean \u0111\u1eb7c bi\u1ec7t c\u00f3 gi\u00e1 tr\u1ecb, b\u1edfi ch\u00fang mang l\u1ea1i d\u00f2ng thu nh\u1eadp \u1ed5n \u0111\u1ecbnh cao h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 m\u1edbi.<\/p>\n<p>Ngo\u00e0i ra, l\u00e3i su\u1ea5t coupon c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi\u1ebfn l\u01b0\u1ee3c t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. V\u1edbi tr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon cao, nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i \u0111\u1ecbnh k\u1ef3 l\u1edbn h\u01a1n, t\u1ea1o c\u01a1 h\u1ed9i t\u00e1i \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng xuy\u00ean. Tuy nhi\u00ean, r\u1ee7i ro t\u00e1i \u0111\u1ea7u t\u01b0 xu\u1ea5t hi\u1ec7n khi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng gi\u1ea3m, khi\u1ebfn c\u00e1c kho\u1ea3n thanh to\u00e1n coupon ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00e1i \u0111\u1ea7u t\u01b0 \u1edf m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 l\u1edbn nh\u01b0 qu\u1ef9 h\u01b0u tr\u00ed hay c\u00f4ng ty b\u1ea3o hi\u1ec3m, vi\u1ec7c qu\u1ea3n l\u00fd danh m\u1ee5c tr\u00e1i phi\u1ebfu v\u1edbi c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t coupon kh\u00e1c nhau tr\u1edf n\u00ean c\u1ef1c k\u1ef3 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o d\u00f2ng thu nh\u1eadp \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. Trong b\u1ed1i c\u1ea3nh n\u00e0y, <strong>c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i \u0111\u01a1n<\/strong> ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf trong b\u1ed9 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch ph\u1ee9c t\u1ea1p m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c tr\u00e1i phi\u1ebfu c\u1ee7a h\u1ecd.<\/p>\n<h2><span id=\"6_So_Sanh_Lai_Suat_Coupon_Voi_Yield_To_Maturity_Va_Net_Present_Value\"><strong>6. So S\u00e1nh L\u00e3i Su\u1ea5t Coupon V\u1edbi Yield To Maturity V\u00e0 Net Present Value<\/strong><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t coupon, l\u1ee3i su\u1ea5t \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n (Yield to Maturity &#8211; YTM) v\u00e0 gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i thu\u1ea7n (Net Present Value &#8211; NPV) l\u00e0 ba kh\u00e1i ni\u1ec7m quan tr\u1ecdng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. M\u1eb7c d\u00f9 \u0111\u1ec1u c\u00f3 vai tr\u00f2 trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng sinh l\u1eddi, r\u1ee7i ro c\u1ee7a c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0, m\u1ed7i y\u1ebfu t\u1ed1 l\u1ea1i c\u00f3 c\u00e1ch t\u00ednh to\u00e1n, \u00fd ngh\u0129a c\u0169ng nh\u01b0 t\u00e1c \u0111\u1ed9ng ri\u00eang.<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Y\u1ebfu t\u1ed1<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>L\u00e3i su\u1ea5t coupon<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Yield to Maturity (YTM)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Net Present Value (NPV)<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\u0110\u1ecbnh ngh\u0129a<\/td>\n<td>L\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh m\u00e0 nh\u00e0 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu cam k\u1ebft tr\u1ea3 cho ng\u01b0\u1eddi n\u1eafm gi\u1eef.<\/td>\n<td>T\u1ef7 su\u1ea5t sinh l\u1ee3i h\u00e0ng n\u0103m c\u1ee7a tr\u00e1i phi\u1ebfu n\u1ebfu n\u1eafm gi\u1eef \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n.<\/td>\n<td>Ch\u00eanh l\u1ec7ch gi\u1eefa gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i c\u1ee7a d\u00f2ng ti\u1ec1n d\u1ef1 ki\u1ebfn v\u00e0 chi ph\u00ed \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">C\u00e1ch t\u00ednh to\u00e1n<\/td>\n<td>D\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n l\u00e3i h\u00e0ng n\u0103m chia cho m\u1ec7nh gi\u00e1 tr\u00e1i phi\u1ebfu.<\/td>\n<td>T\u00ednh d\u1ef1a tr\u00ean t\u1ed5ng d\u00f2ng ti\u1ec1n t\u1eeb l\u00e3i v\u00e0 v\u1ed1n g\u1ed1c, chi\u1ebft kh\u1ea5u v\u1ec1 hi\u1ec7n t\u1ea1i.<\/td>\n<td>D\u1ef1a v\u00e0o d\u00f2ng ti\u1ec1n t\u01b0\u01a1ng lai, chi\u1ebft kh\u1ea5u v\u1ec1 hi\u1ec7n t\u1ea1i v\u00e0 tr\u1eeb \u0111i chi ph\u00ed ban \u0111\u1ea7u.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Bi\u1ebfn \u0111\u1ed9ng theo l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng<\/td>\n<td>Kh\u00f4ng thay \u0111\u1ed5i, c\u1ed1 \u0111\u1ecbnh t\u1eeb khi ph\u00e1t h\u00e0nh.<\/td>\n<td>Thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng v\u00e0 gi\u00e1 tr\u00e1i phi\u1ebfu.<\/td>\n<td>Thay \u0111\u1ed5i theo l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u00e0 d\u00f2ng ti\u1ec1n t\u01b0\u01a1ng lai.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\u00dd ngh\u0129a \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0<\/td>\n<td>Cung c\u1ea5p thu nh\u1eadp \u1ed5n \u0111\u1ecbnh, \u00edt r\u1ee7i ro t\u1eeb bi\u1ebfn \u0111\u1ed9ng.<\/td>\n<td>Cho bi\u1ebft t\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng n\u1ebfu gi\u1eef tr\u00e1i phi\u1ebfu \u0111\u1ebfn \u0111\u00e1o h\u1ea1n.<\/td>\n<td>\u0110\u00e1nh gi\u00e1 t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n\/\u0111\u1ea7u t\u01b0; NPV d\u01b0\u01a1ng ngh\u0129a l\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 l\u1ee3i.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Ph\u00f9 h\u1ee3p cho \u0111\u00e1nh gi\u00e1 g\u00ec<\/td>\n<td>M\u1ee9c thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh t\u1eeb tr\u00e1i phi\u1ebfu.<\/td>\n<td>L\u1ee3i su\u1ea5t k\u1ef3 v\u1ecdng v\u00e0 r\u1ee7i ro khi n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n.<\/td>\n<td>Kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a d\u1ef1 \u00e1n\/\u0111\u1ea7u t\u01b0 d\u1ef1a tr\u00ean d\u00f2ng ti\u1ec1n t\u01b0\u01a1ng lai.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>L\u00e3i su\u1ea5t coupon l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m c\u01a1 b\u1ea3n nh\u01b0ng v\u00f4 c\u00f9ng quan tr\u1ecdng khi \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu. Hi\u1ec3u r\u00f5 <strong><a href=\"https:\/\/jobsgo.vn\/blog\/lai-suat-coupon-la-gi\/\" target=\"_blank\" rel=\"noopener\">l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec<\/a><\/strong> s\u1ebd gi\u00fap b\u1ea1n c\u00e2n nh\u1eafc v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c lo\u1ea1i tr\u00e1i phi\u1ebfu ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea9u v\u1ecb r\u1ee7i ro c\u0169ng nh\u01b0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u00e1nh gi\u00e1 post L\u00e3i su\u1ea5t coupon l\u00e0 kh\u00e1i ni\u1ec7m quen thu\u1ed9c trong th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu, \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh gi\u00e1 v\u00e0 thu h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0. Nh\u01b0ng b\u1ea1n \u0111\u00e3 th\u1ef1c s\u1ef1 hi\u1ec3u r\u00f5 v\u1ec1 l\u00e3i&#8230;<\/p>\n","protected":false},"author":2848,"featured_media":86704,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"l\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec","_yoast_wpseo_title":"L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec? 6 \u0110\u1eb7c \u0110i\u1ec3m N\u1ed5i B\u1eadt Nh\u1ea5t C\u1ee7a L\u00e3i Su\u1ea5t Coupon %%sep%% %%sitename%%","_yoast_wpseo_metadesc":"L\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u 3 lo\u1ea1i l\u00e3i su\u1ea5t coupon ph\u1ed5 bi\u1ebfn nh\u1ea5t trong th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u00f9ng \u1ea3nh h\u01b0\u1edfng c\u1ee7a nh\u1eefng lo\u1ea1i l\u00e3i su\u1ea5t n\u00e0y.","_yoast_wpseo_focus_keyphrase":"","faq":"1. Coupon Ph\u00e1i Sinh L\u00e0 G\u00ec?\r\n\r\nCoupon ph\u00e1i sinh l\u00e0 c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c t\u1ea1o ra d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t coupon c\u1ee7a tr\u00e1i phi\u1ebfu g\u1ed1c, cho ph\u00e9p nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1ch ri\u00eang ph\u1ea7n thanh to\u00e1n l\u00e3i coupon v\u00e0 giao d\u1ecbch \u0111\u1ed9c l\u1eadp v\u1edbi tr\u00e1i phi\u1ebfu g\u1ed1c.\r\n\r\n2. Tr\u00e1i Phi\u1ebfu C\u00f3 L\u00e3i Su\u1ea5t Coupon Cao Hay Th\u1ea5p S\u1ebd T\u1ed1t H\u01a1n Trong M\u00f4i Tr\u01b0\u1eddng L\u00e3i Su\u1ea5t Gi\u1ea3m?\r\n\r\nTr\u00e1i phi\u1ebfu c\u00f3 l\u00e3i su\u1ea5t coupon cao s\u1ebd t\u1ed1t h\u01a1n v\u00ec mang l\u1ea1i d\u00f2ng thu nh\u1eadp \u1ed5n \u0111\u1ecbnh cao h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 m\u1edbi trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t gi\u1ea3m.\r\n\r\n3. T\u1ea1i Sao M\u1ed9t S\u1ed1 Nh\u00e0 \u0110\u1ea7u T\u01b0 Th\u00edch Tr\u00e1i Phi\u1ebfu Zero Coupon?\r\n\r\nM\u1ed9t s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00edch tr\u00e1i phi\u1ebfu zero coupon v\u00ec h\u1ecd kh\u00f4ng ph\u1ea3i lo v\u1ec1 r\u1ee7i ro t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0 c\u00f3 th\u1ec3 bi\u1ebft ch\u00ednh x\u00e1c l\u1ee3i nhu\u1eadn s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c n\u1ebfu n\u1eafm gi\u1eef \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n.\r\n\r\n4. L\u00e3i Nh\u1eadp G\u1ed1c L\u00e0 G\u00ec?\r\n\r\nL\u00e3i nh\u1eadp g\u1ed1c l\u00e0 vi\u1ec7c c\u1ed9ng l\u00e3i v\u00e0o v\u1ed1n g\u1ed1c \u0111\u1ec3 t\u00ednh l\u00e3i cho k\u1ef3 ti\u1ebfp theo, th\u01b0\u1eddng \u00e1p d\u1ee5ng v\u1edbi c\u00e1c tr\u00e1i phi\u1ebfu c\u00f3 k\u1ef3 h\u1ea1n d\u00e0i v\u00e0 l\u00e3i su\u1ea5t t\u0103ng theo th\u1eddi gian.\r\n\r\n5. L\u00e3i Su\u1ea5t Th\u1ef1c L\u00e0 G\u00ec?\r\n\r\nL\u00e3i su\u1ea5t th\u1ef1c l\u00e0 l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c sau khi tr\u1eeb \u0111i t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t.\r\n","nganh_nghe_chuc_vu_lien_quan":["Ph\u00e2n T\u00edch \u0110\u1ea7u T\u01b0","Ph\u00e2n T\u00edch D\u1eef Li\u1ec7u","Chuy\u00ean Vi\u00ean Ph\u00e2n T\u00edch T\u00e0i Ch\u00ednh","Gi\u00e1m S\u00e1t Kinh Doanh"]},"categories":[2035,25],"tags":[],"yoast_head":"\n<title>L\u00e3i Su\u1ea5t Coupon L\u00e0 G\u00ec? 6 \u0110\u1eb7c \u0110i\u1ec3m N\u1ed5i B\u1eadt Nh\u1ea5t C\u1ee7a L\u00e3i Su\u1ea5t Coupon - JobsGO Blog<\/title>\n<meta name=\"description\" content=\"L\u00e3i su\u1ea5t coupon l\u00e0 g\u00ec? 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