1. Overdraft L\u00e0 G\u00ec?<\/span><\/h2>\n\n\n<\/p>\n\n\n\n
<\/figure>\n\nTh\u1ea5u Chi L\u00e0 G\u00ec?<\/i><\/p>\n\n\n
Overdraft, hay c\u00f2n g\u1ecdi l\u00e0 th\u1ea5u chi, l\u00e0 h\u00ecnh th\u1ee9c cho ph\u00e9p kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n v\u01b0\u1ee3t m\u1ee9c s\u1ed1 d\u01b0 hi\u1ec7n c\u00f3 tr\u00ean t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u1edbi s\u1ef1 cho ph\u00e9p tr\u01b0\u1edbc c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p ng\u1eafn h\u1ea1n gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh li\u00ean t\u1ee5c, ngay c\u1ea3 khi g\u1eb7p kh\u00f3 kh\u0103n t\u1ea1m th\u1eddi v\u1ec1 d\u00f2ng ti\u1ec1n. V\u00ed d\u1ee5, khi kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n m\u1eb7t ho\u1eb7c s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 mua s\u1eafm m\u00e0 s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n kh\u00f4ng \u0111\u1ee7, Overdraft cho ph\u00e9p \u201cv\u01b0\u1ee3t\u201d qua gi\u1edbi h\u1ea1n n\u00e0y v\u1edbi m\u1ed9t kho\u1ea3n l\u00e3i su\u1ea5t nh\u1ea5t \u0111\u1ecbnh. \n<\/p>\n\n\n
Th\u1ea5u chi kh\u00f4ng ch\u1ec9 gi\u00fap gi\u1ea3i quy\u1ebft nhu c\u1ea7u chi ti\u00eau \u0111\u1ed9t xu\u1ea5t m\u00e0 c\u00f2n t\u1ea1o thu\u1eadn l\u1ee3i cho c\u00e1c c\u00e1 nh\u00e2n trong vi\u1ec7c qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng ng\u00e0y. Trong b\u1ed1i c\u1ea3nh tuy\u1ec3n d\u1ee5ng, nhi\u1ec1u doanh nghi\u1ec7p c\u0169ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c th\u1ea5u chi nh\u1eb1m duy tr\u00ec d\u00f2ng ti\u1ec1n ho\u1ea1t \u0111\u1ed9ng trong nh\u1eefng th\u1eddi \u0111i\u1ec3m c\u00f3 bi\u1ebfn \u0111\u1ed9ng kinh doanh. Ngo\u00e0i ra, Overdraft c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng h\u1ed7 tr\u1ee3 vi\u1ec7c duy tr\u00ec l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t n\u1ebfu \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u00f3 ki\u1ec3m so\u00e1t, t\u1eeb \u0111\u00f3 t\u1ea1o l\u1ee3i th\u1ebf khi kh\u00e1ch h\u00e0ng c\u1ea7n vay m\u01b0\u1ee3n th\u00eam c\u00e1c kho\u1ea3n t\u00e0i ch\u00ednh kh\u00e1c.\n<\/p>\n\n\n
Ph\u01b0\u01a1ng th\u1ee9c th\u1ea5u chi th\u01b0\u1eddng \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t khi kh\u00e1ch h\u00e0ng cho ph\u00e9p ng\u00e2n h\u00e0ng truy c\u1eadp h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a h\u1ecd. S\u1ef1 linh ho\u1ea1t n\u00e0y gi\u00fap k\u1ebft n\u1ed1i nhu c\u1ea7u ti\u00eau d\u00f9ng v\u00e0 kh\u1ea3 n\u0103ng vay m\u01b0\u1ee3n t\u1ea1m th\u1eddi, gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecb t\u1eeb ch\u1ed1i giao d\u1ecbch. V\u1edbi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng hi\u1ec7n nay, qu\u00e1 tr\u00ecnh c\u1ea5p Overdraft d\u1ef1a tr\u00ean nhi\u1ec1u ti\u00eau ch\u00ed nh\u01b0 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, m\u1ee9c thu nh\u1eadp v\u00e0 th\u1eadm ch\u00ed l\u00e0 kh\u1ea3 n\u0103ng duy tr\u00ec t\u00e0i kho\u1ea3n thanh to\u00e1n. C\u00e1c v\u00ed d\u1ee5 ph\u1ed5 bi\u1ebfn bao g\u1ed3m vi\u1ec7c r\u00fat ti\u1ec1n t\u1ef1 \u0111\u1ed9ng, chi ti\u00eau qua m\u00e1y POS ho\u1eb7c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u1edbi s\u1ed1 ti\u1ec1n v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0 hi\u1ec7n c\u00f3, gi\u00fap ng\u01b0\u1eddi d\u00f9ng lu\u00f4n c\u00f3 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ti\u00eau d\u00f9ng, ngay c\u1ea3 khi g\u1eb7p t\u00ecnh tr\u1ea1ng t\u1ea1m th\u1eddi thi\u1ebfu h\u1ee5t v\u1ed1n.\n<\/p>\n\n\n
2. C\u00e1c T\u00ecnh Hu\u1ed1ng N\u00ean S\u1eed D\u1ee5ng Overdraft<\/span><\/h2>\n\n\nOverdraft n\u00ean \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong c\u00e1c t\u00ecnh hu\u1ed1ng sau: \n<\/p>\n\n\n
\n- Khi b\u1ea1n th\u1ef1c hi\u1ec7n giao d\u1ecbch mua s\u1eafm v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0 hi\u1ec7n c\u00f3.\n<\/li>
- Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p chi ph\u00ed kh\u1ea9n c\u1ea5p nh\u01b0 s\u1eeda ch\u1eefa ho\u1eb7c \u0111i\u1ec1u tr\u1ecb y t\u1ebf.\n<\/li>
- Khi b\u1ea1n c\u1ea7n thanh to\u00e1n c\u00e1c kho\u1ea3n d\u1ecbch v\u1ee5 tr\u01b0\u1edbc khi nh\u1eadn \u0111\u01b0\u1ee3c thu nh\u1eadp ti\u1ebfp theo.\n<\/li>
- Trong c\u00e1c t\u00ecnh hu\u1ed1ng kinh doanh c\u1ea7n thanh to\u00e1n nhanh cho \u0111\u1ed1i t\u00e1c.\n<\/li>\n<\/ul>\n\n\n
Vi\u1ec7c s\u1eed d\u1ee5ng th\u1ea5u chi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i, gi\u00fap theo d\u00f5i s\u1ed1 d\u01b0 v\u00e0 h\u1ea1n m\u1ee9c g\u1ea7n nh\u01b0 th\u1eddi gian th\u1ef1c, \u0111\u1ed3ng th\u1eddi nh\u1eadn \u0111\u01b0\u1ee3c c\u1ea3nh b\u00e1o t\u1ef1 \u0111\u1ed9ng khi s\u1eafp v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c cho ph\u00e9p. S\u1ef1 linh ho\u1ea1t n\u00e0y h\u1ed7 tr\u1ee3 kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n m\u00e0 c\u00f2n gi\u00fap doanh nghi\u1ec7p duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u00ecnh th\u01b0\u1eddng, \u0111\u1ea3m b\u1ea3o c\u00e1c giao d\u1ecbch kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n ngay c\u1ea3 khi d\u00f2ng ti\u1ec1n t\u1ea1m th\u1eddi kh\u00f4ng \u0111\u1ee7.\n<\/p>\n\n\n
3. Qu\u00e1 Tr\u00ecnh Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a Overdraft<\/span><\/h2>\n\n\nQu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Overdraft b\u1eaft \u0111\u1ea7u ngay khi kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0 hi\u1ec7n c\u00f3 tr\u00ean t\u00e0i kho\u1ea3n. Khi \u0111i\u1ec1u n\u00e0y x\u1ea3y ra, h\u1ec7 th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 \u0111\u1ed9ng ki\u1ec3m tra h\u1ea1n m\u1ee9c th\u1ea5u chi \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p v\u00e0 cho ph\u00e9p giao d\u1ecbch n\u1ebfu n\u1eb1m trong ph\u1ea1m vi cho ph\u00e9p. Sau \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd t\u00ednh s\u1ed1 ti\u1ec1n \u0111\u00e3 vay v\u00e0 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo t\u1ef7 l\u1ec7 quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng.\n<\/p>\n\n\n
C\u1ee5 th\u1ec3, qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t Overdraft th\u01b0\u1eddng di\u1ec5n ra nh\u01b0 sau:\n<\/p>\n\n\n
\n- Khi kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0, h\u1ec7 th\u1ed1ng s\u1ebd ki\u1ec3m tra s\u1ed1 d\u01b0 kh\u1ea3 d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n, bao g\u1ed3m c\u1ea3 h\u1ea1n m\u1ee9c th\u1ea5u chi \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ed3ng \u00fd.\n<\/li>
- N\u1ebfu giao d\u1ecbch n\u1eb1m trong ph\u1ea1m vi cho ph\u00e9p, ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 \u0111\u1ed9ng \u201ccho m\u01b0\u1ee3n\u201d s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft \u0111\u1ec3 ho\u00e0n t\u1ea5t giao d\u1ecbch, \u0111\u1ed3ng th\u1eddi ghi nh\u1eadn s\u1ed1 ti\u1ec1n chi ph\u00ed th\u1ea5u chi v\u00e0o t\u00e0i kho\u1ea3n.\n<\/li>
- Sau khi giao d\u1ecbch \u0111\u01b0\u1ee3c x\u1eed l\u00fd, kh\u00e1ch h\u00e0ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 s\u1ed1 ti\u1ec1n \u0111\u00e3 s\u1eed d\u1ee5ng, s\u1ed1 l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng v\u00e0 th\u1eddi gian tr\u1ea3 n\u1ee3 c\u1ee5 th\u1ec3.\n<\/li>
- Trong giai \u0111o\u1ea1n tr\u1ea3 n\u1ee3, n\u1ebfu kh\u00e1ch h\u00e0ng n\u1ea1p ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n, s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u01b0u ti\u00ean tr\u1ea3 n\u1ee3 th\u1ea5u chi tr\u01b0\u1edbc, nh\u1eb1m gi\u1ea3m thi\u1ec3u l\u00e3i su\u1ea5t ph\u00e1t sinh.\n<\/li>\n<\/ul>\n\n\n
M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 quy \u0111\u1ecbnh ri\u00eang v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t v\u00e0 th\u1eddi gian thanh to\u00e1n \u0111\u1ed1i v\u1edbi Overdraft. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng, trong khi m\u1ed9t s\u1ed1 kh\u00e1c s\u1ebd \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo s\u1ed1 ng\u00e0y s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5. C\u00e1c \u1ee9ng d\u1ee5ng theo d\u00f5i t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng gi\u00fap kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng ki\u1ec3m so\u00e1t giao d\u1ecbch, hi\u1ec3n th\u1ecb s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, s\u1ed1 ti\u1ec1n Overdraft \u0111\u00e3 s\u1eed d\u1ee5ng v\u00e0 c\u1ea3nh b\u00e1o khi giao d\u1ecbch v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n cho ph\u00e9p.\n<\/p>\n\n\n
Vi\u1ec7c tu\u00e2n th\u1ee7 quy tr\u00ecnh n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap ng\u01b0\u1eddi d\u00f9ng ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o r\u1eb1ng ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3, tr\u00e1nh qu\u00e1 t\u1ea3i t\u00edn d\u1ee5ng hay g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c thu h\u1ed3i n\u1ee3 sau n\u00e0y. Qua \u0111\u00f3, Overdraft tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 h\u1eefu \u00edch n\u1ebfu \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang c\u00e1ch, t\u1ea1o s\u1ef1 linh ho\u1ea1t trong qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n cho c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p.\n<\/p>\n\n\n
4. C\u00e1c Lo\u1ea1i H\u00ecnh Th\u1ea5u Chi \n<\/span><\/h2>\n\n\nC\u00e1ch chia lo\u1ea1i Overdraft c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 \u1ee7y quy\u1ec1n hay kh\u00f4ng t\u1eeb ph\u00eda ng\u00e2n h\u00e0ng. C\u00e1ch ph\u00e2n lo\u1ea1i n\u00e0y gi\u00fap ng\u01b0\u1eddi d\u00f9ng hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 l\u1ee3i \u00edch c\u0169ng nh\u01b0 nh\u1eefng r\u1ee7i ro g\u1eafn li\u1ec1n v\u1edbi t\u1eebng h\u00ecnh th\u1ee9c.\n<\/p>\n\n\n
4.1. Th\u1ea5u Chi \u1ee6y Quy\u1ec1n<\/span><\/h3>\n\n\nTh\u1ea5u chi \u1ee7y quy\u1ec1n l\u00e0 h\u00ecnh th\u1ee9c m\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p m\u1ed9t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng nh\u1ea5t \u0111\u1ecbnh d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng, thu nh\u1eadp c\u0169ng nh\u01b0 m\u1ed1i quan h\u1ec7 l\u00e2u d\u00e0i v\u1edbi ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i tham gia v\u00e0o qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t nghi\u00eam ng\u1eb7t, trong \u0111\u00f3 ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c th\u00f4ng s\u1ed1 nh\u01b0 m\u1ee9c thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh, th\u1eddi gian m\u1edf t\u00e0i kho\u1ea3n v\u00e0 l\u1ecbch s\u1eed s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng \u0111\u1ec3 \u0111\u01b0a ra h\u1ea1n m\u1ee9c ph\u00f9 h\u1ee3p. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a h\u00ecnh th\u1ee9c n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 s\u1ef1 linh ho\u1ea1t t\u00e0i ch\u00ednh cao v\u00e0 h\u01b0\u1edfng l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i h\u01a1n so v\u1edbi th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n.\n<\/p>\n\n\n
4.2. Th\u1ea5u Chi Kh\u00f4ng \u0110\u01b0\u1ee3c \u1ee6y Quy\u1ec1n \n<\/span><\/h3>\n\n\nTr\u00e1i ng\u01b0\u1ee3c v\u1edbi h\u00ecnh th\u1ee9c c\u00f3 s\u1ef1 \u1ee7y quy\u1ec1n, th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n th\u01b0\u1eddng ph\u00e1t sinh khi kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 s\u1eb5n s\u1ed1 d\u01b0 nh\u01b0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 \u0111\u1ed9ng cho ph\u00e9p giao d\u1ecbch v\u01b0\u1ee3t m\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n x\u00e9t duy\u1ec7t tr\u01b0\u1edbc. M\u1eb7c d\u00f9 gi\u00fap gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ea5p b\u00e1ch, nh\u01b0ng h\u00ecnh th\u1ee9c n\u00e0y khi\u1ebfn r\u1ee7i ro v\u1ec1 l\u00e3i su\u1ea5t cao h\u01a1n v\u00e0 chi ph\u00ed ph\u00e1t sinh n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng k\u1ecbp tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n. C\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u01b0\u1eddng x\u1ea3y ra khi kh\u00e1ch h\u00e0ng g\u1eb7p s\u1ef1 c\u1ed1 v\u1ec1 d\u00f2ng ti\u1ec1n ho\u1eb7c qu\u00ean theo d\u00f5i s\u1ed1 d\u01b0, v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng Overdraft kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t c\u00f3 th\u1ec3 g\u00e2y t\u1ed5n h\u1ea1i nghi\u00eam tr\u1ecdng \u0111\u1ebfn l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n.\n<\/p>\n\n\n
5. L\u00e3i Su\u1ea5t V\u00e0 \u0110i\u1ec1u Ki\u1ec7n C\u1ea5p Overdraft\n<\/span><\/h2>\n\n\n<\/p>\n\n\n\n
<\/figure>\n\nL\u00e3i Su\u1ea5t v\u00e0 \u0110i\u1ec1u Ki\u1ec7n C\u1ea5p Overdraft\n<\/i><\/p>\n\n\n5.1. L\u00e3i Su\u1ea5t C\u1ea5p Overdraft\n<\/span><\/h3>\n\n\nVi\u1ec7c t\u00ednh l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi Overdraft th\u01b0\u1eddng ph\u1ee9c t\u1ea1p v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 s\u1ed1 ti\u1ec1n s\u1eed d\u1ee5ng, th\u1eddi gian vay v\u00e0 lo\u1ea1i h\u00ecnh Overdraft \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u0111\u01b0a ra c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 nh\u1eb1m \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t c\u00f4ng b\u1eb1ng ph\u00f9 h\u1ee3p v\u1edbi r\u1ee7i ro s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t c\u00f9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u1ed5 bi\u1ebfn gi\u1eefa ng\u00e2n h\u00e0ng:<\/p>\n\n\n\n\nNg\u00e2n h\u00e0ng\/\u0110i\u1ec1u ki\u1ec7n\n<\/strong><\/div><\/th>\nL\u00e3i su\u1ea5t (%)\n<\/strong><\/div><\/th>\nH\u1ea1n m\u1ee9c th\u1ea5u chi\n<\/strong><\/div><\/th>\nY\u00eau c\u1ea7u h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng\n<\/strong><\/div><\/th>\n<\/tr>\n\nNg\u00e2n h\u00e0ng A\n<\/div><\/td>\n 9 – 12\n<\/div><\/td>\n T\u00f9y theo thu nh\u1eadp v\u00e0 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng\n<\/div><\/td>\n T\u00e0i kho\u1ea3n thanh to\u00e1n kinh doanh v\u00e0 c\u00e1 nh\u00e2n \u0111\u1ea7y \u0111\u1ee7\n<\/div><\/td>\n<\/tr>\n \nNg\u00e2n h\u00e0ng B\n<\/div><\/td>\n 10 – 14\n<\/div><\/td>\n Ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ed1 d\u01b0 trung b\u00ecnh \u0111\u1ecbnh k\u1ef3\n<\/div><\/td>\n H\u1ed3 s\u01a1 ch\u1ee9ng minh thu nh\u1eadp \u1ed5n \u0111\u1ecbnh\n<\/div><\/td>\n<\/tr>\n \nNg\u00e2n h\u00e0ng C\n<\/div><\/td>\n 8 – 11\n<\/div><\/td>\n Linh ho\u1ea1t, k\u1ebft h\u1ee3p v\u1edbi d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1\n<\/div><\/td>\n Y\u00eau c\u1ea7u duy\u1ec7t t\u00edn d\u1ee5ng k\u1ef9 l\u01b0\u1ee1ng\n<\/div><\/td>\n<\/tr>\n<\/table><\/figure>\n\n\n L\u00e3i su\u1ea5t Overdraft \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean s\u1ed1 ng\u00e0y s\u1eed d\u1ee5ng v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c c\u00f3 s\u1eb5n. V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n s\u1eed d\u1ee5ng 5 tri\u1ec7u \u0111\u1ed3ng v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0 trong v\u00f2ng 10 ng\u00e0y v\u00e0 l\u00e3i su\u1ea5t l\u00e0 10%\/n\u0103m, l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n n\u00e0y v\u00e0 th\u1eddi gian s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5. C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t th\u01b0\u1eddng l\u00e0:\n<\/p>\n\n\n\n\nL\u00e3i su\u1ea5t = S\u1ed1 ti\u1ec1n s\u1eed d\u1ee5ng x (L\u00e3i su\u1ea5t h\u00e0ng n\u0103m \/ 365) x S\u1ed1 ng\u00e0y s\u1eed d\u1ee5ng\n<\/div><\/th>\n<\/tr>\n<\/table><\/figure>\n\n\n Ngo\u00e0i ra, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0a ra m\u1ee9c ph\u00ed d\u1ecbch v\u1ee5 c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng ho\u1eb7c theo t\u1eebng giao d\u1ecbch khi v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c cho ph\u00e9p. V\u00ec v\u1eady, kh\u00e1ch h\u00e0ng c\u1ea7n xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, c\u00e2n nh\u1eafc gi\u1eefa l\u1ee3i \u00edch s\u1eed d\u1ee5ng v\u00e0 chi ph\u00ed \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh h\u1ee3p l\u00fd.\n<\/p>\n\n\n 5.2. \u0110i\u1ec1u Ki\u1ec7n \u0110\u1ec3 C\u1ea5p Overdraft<\/span><\/h3>\n\n\n\u0110\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p Overdraft, b\u1ea1n c\u1ea7n \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n quan tr\u1ecdng sau: \n<\/p>\n\n\n \n- Lo\u1ea1i t\u00e0i kho\u1ea3n: T\u00e0i kho\u1ea3n thanh to\u00e1n c\u00f3 l\u1ecbch s\u1eed giao d\u1ecbch \u1ed5n \u0111\u1ecbnh. \n<\/li>
- H\u1ed3 s\u01a1 t\u00edn d\u1ee5ng: H\u1ed3 s\u01a1 minh b\u1ea1ch, kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \n<\/li>
- Ch\u1ee9ng minh thu nh\u1eadp: Cung c\u1ea5p b\u1ea3ng l\u01b0\u01a1ng, gi\u1ea5y t\u1edd thu nh\u1eadp ho\u1eb7c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng h\u1ee3p l\u1ec7. \n<\/li>
- S\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh: Duy tr\u00ec s\u1ed1 d\u01b0 giao d\u1ecbch trung b\u00ecnh v\u00e0 m\u1ee9c chi ti\u00eau h\u1ee3p l\u00fd.\n<\/li>\n<\/ul>\n\n\n
Vi\u1ec7c hi\u1ec3u v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y gi\u00fap kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng Overdraft m\u1ed9t c\u00e1ch th\u00f4ng minh, t\u1ed1i \u01b0u h\u00f3a kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 kh\u00f4ng g\u1eb7p ph\u1ea3i r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft.\n<\/p>\n\n\n 6. \u01afu \u0110i\u1ec3m V\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m Khi S\u1eed D\u1ee5ng Overdraft\n<\/span><\/h2>\n\n\n\n<\/h2>\n\n\n\n <\/figure>\n\n\u01afu \u0110i\u1ec3m V\u00e0 Nh\u01b0\u1ee3c \u0110i\u1ec3m Khi S\u1eed D\u1ee5ng Overdraft<\/i><\/p>\n\n\n6.1. \u01afu \u0110i\u1ec3m C\u1ee7a Vi\u1ec7c S\u1eed D\u1ee5ng Overdraft\n<\/span><\/h3>\n\n\nS\u1eed d\u1ee5ng Overdraft mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch, \u0111\u1eb7c bi\u1ec7t cho nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p c\u1ea7n m\u1ed9t kho\u1ea3n d\u1ef1 ph\u00f2ng linh ho\u1ea1t khi g\u1eb7p t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p. M\u1ed9t s\u1ed1 \u01b0u \u0111i\u1ec3m ch\u00ednh bao g\u1ed3m:\n<\/p>\n\n\n \n- Gi\u1ea3i quy\u1ebft t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p: Overdraft cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng ti\u1ebfp c\u1eadn ti\u1ec1n ngay l\u1eadp t\u1ee9c khi t\u00e0i kho\u1ea3n kh\u00f4ng \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch, gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c t\u00ecnh hu\u1ed1ng t\u00e0i ch\u00ednh kh\u1ea9n c\u1ea5p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ee3i t\u1edbi khi c\u00f3 ti\u1ec1n g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n.\n<\/li>
- T\u0103ng t\u00ednh linh ho\u1ea1t t\u00e0i ch\u00ednh: Vi\u1ec7c s\u1eed d\u1ee5ng Overdraft gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u00eam th\u1eddi gian \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh tr\u01b0\u1edbc khi ph\u1ea3i n\u1ea1p l\u1ea1i ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n, mang \u0111\u1ebfn s\u1ef1 linh ho\u1ea1t khi c\u00f3 c\u00e1c kho\u1ea3n chi ti\u00eau b\u1ea5t ng\u1edd.\n<\/li>
- Duy tr\u00ec uy t\u00edn t\u00e0i ch\u00ednh: Overdraft c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00f9ng tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i giao d\u1ecbch ho\u1eb7c b\u1ecb ph\u1ea1t v\u00ec thi\u1ebfu ti\u1ec1n trong t\u00e0i kho\u1ea3n, qua \u0111\u00f3 b\u1ea3o v\u1ec7 uy t\u00edn t\u00e0i ch\u00ednh v\u00e0 tr\u00e1nh c\u00e1c kho\u1ea3n ph\u00ed ph\u00e1t sinh th\u00eam.\n<\/li>
- Kh\u00f4ng c\u1ea7n quy tr\u00ecnh duy\u1ec7t ph\u1ee9c t\u1ea1p: Kh\u00e1c v\u1edbi c\u00e1c kho\u1ea3n vay ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, vi\u1ec7c s\u1eed d\u1ee5ng Overdraft th\u01b0\u1eddng \u0111\u01a1n gi\u1ea3n v\u00e0 d\u1ec5 d\u00e0ng h\u01a1n v\u00ec kh\u00f4ng y\u00eau c\u1ea7u th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, kh\u00f4ng c\u1ea7n ph\u1ea3i l\u00e0m h\u1ed3 s\u01a1 vay hay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.\n<\/li>
- Ti\u1ebft ki\u1ec7m chi ph\u00ed so v\u1edbi c\u00e1c vay ng\u1eafn h\u1ea1n: Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, s\u1eed d\u1ee5ng Overdraft c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m chi ph\u00ed h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi c\u00f3 h\u1ea1n m\u1ee9c Overdraft h\u1ee3p l\u00fd v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p.\n<\/li>\n<\/ul>\n\n\n
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