Vay von lai suat uu dai tu chuong trinh nha nuoc la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc (Government-Subsidized Business Loan) la cac san pham tin dung co lai suat duoc tro cap hoac giam boi ngan sach nha nuoc, nham ho tro doanh nghiep SME tiep can von voi chi phi thap hon lai suat thi truong.

Thuat ngu tieng Anh: Government-Subsidized Business Loan

Linh vuc: Tin dung chinh sach, Tai chinh SME

Cac chuong trinh vay uu dai chinh tai Viet Nam

Dieu kien chung de tiep can vay uu dai

1. Dang ky kinh doanh hop phap: Co DKKD hoac Giay CN DTDN con hieu luc
2. Khong co no xau: Khong thuoc nhom 3-5 tai CIC
3. Co phuong an kinh doanh kha thi: Chung minh kha nang tra no
4. Thuoc doi tuong uu tien: Nganh nghe, quy mo, dia ban theo quy dinh
5. Bao cao tai chinh: Nop bao cao tai chinh 2-3 nam gan nhat

Quy trinh dang ky vay uu dai

1. Xac dinh chuong trinh phu hop voi nganh nghe va quy mo
2. Chuan bi ho so (DKKD, BCTC, phuong an kinh doanh)
3. Nop ho so tai NHTM hoac to chuc tai chinh duoc chi dinh
4. Tham dinh va xet duyet (15-45 ngay)
5. Ky hop dong va giai ngan

Vay uu dai nha nuoc trong cac ngon ngu khac

Xem them: Tieng Anh | Tieng Nhat | Tieng Han | Tieng Trung | Tieng Tay Ban Nha

Tiep can vay uu dai qua BizLoan

BizLoan giup SME ket noi voi cac to chuc tin dung tham gia chuong trinh cho vay uu dai cua Chinh phu, tang co hoi duoc duyet voi lai suat tot nhat. Dang ky tu van mien phi.

Vay von lai suat uu dai tu chuong trinh nha nuoc tieng Anh la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc trong tieng Anh la Government-Subsidized Business Loan (/ˈɡʌvərnmənt ˈsʌbsɪdaɪzd ˈbɪznəs loʊn/).

Dinh nghia

A Government-Subsidized Business Loan is a credit facility where the government provides interest rate subsidies, guarantees, or preferential terms to reduce borrowing costs for targeted enterprises. In Vietnam, the State Bank (SBV) caps short-term rates at 4.0-4.5% for five priority sectors: agriculture, exports, supporting industries, SMEs, and high-tech. The 2% interest subsidy program (Resolution 43/2022) reduced effective rates for pandemic-affected businesses. The SME Credit Guarantee Fund (Decree 34/2018) guarantees up to 80% of loan value, while the Vietnam Bank for Social Policies (VBSP) offers rates as low as 3.3% for disadvantaged areas.

Cac thuat ngu lien quan

Vi du cau

"Vietnamese SMEs in priority sectors can access government-subsidized business loans with short-term rates capped at 4.0-4.5% per annum, significantly below the market average of 5.5-7.5% at state-owned banks."

→ SME Viet Nam trong linh vuc uu tien co the tiep can vay uu dai nha nuoc voi lai suat ngan han toi da 4.0-4.5%/nam, thap hon nhieu so voi trung binh 5.5-7.5% tai ngan hang nha nuoc.

Vay uu dai trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von lai suat uu dai tu chuong trinh nha nuoc tieng Nhat la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc trong tieng Nhat la 政府補助金付き融資 (Seifu Hojokin-tsuki Yūshi).

Dinh nghia

政府補助金付き融資 la hinh thuc cho vay co tro cap tu chinh phu. Tai Nhat Ban, 日本政策金融公庫 (JFC) la to chuc chinh cung cap 低利融資 (vay lai suat thap) cho 中小企業 voi 金利 tu 0.3-2.5%/nam. 経営革新計画 (ke hoach doi moi kinh doanh) duoc duyet co the vay voi 特別利率 (lai suat dac biet) chi 0.3%. 信用保証協会 (Hiep hoi BLTD) ho tro 保証料 (phi bao lanh) duoc tro cap 50-100%. So voi Viet Nam (tran 4.0-4.5% cho linh vuc uu tien), Nhat Ban co he thong 政策金融 hoan thien hon voi lai suat cuc thap.

Cac thuat ngu lien quan

Vi du cau

「ベトナム政府は中小企業向けに短期金利4.0～4.5%の優遇融資制度を設けており、信用保証基金が融資額の最大80%を保証します。日本のJFC融資（年0.3～2.5%）と比べると金利は高いですが、成長市場での事業機会を考慮すると魅力的です。」

→ Chinh phu Viet Nam co che do vay uu dai lai suat ngan han 4.0-4.5% cho SME, Quy BLTD bao lanh toi da 80%. So voi JFC Nhat Ban (0.3-2.5%/nam) lai suat cao hon nhung co hoi kinh doanh tai thi truong tang truong hap dan.

Vay uu dai trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von lai suat uu dai tu chuong trinh nha nuoc tieng Han la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc trong tieng Han la 정부 보조금 대출 (Jeongbu Bojogeum Daechul).

Dinh nghia

정부 보조금 대출 la hinh thuc cho vay co tro cap tu chinh phu. Tai Han Quoc, 중소벤처기업부 (Bo DNNVV va Khoi nghiep) quan ly 정책자금 (von chinh sach) voi tong quy mo ~20 nghin ty won/nam. 중소벤처기업진흥공단 (SBC) truc tiep cho vay voi lai suat 2.0-3.5%/nam. 신용보증기금 (KODIT) va 기술보증기금 (KOTEC) cung cap 보증서 giup SME vay tu 시중은행 voi lai suat uu dai. 이차보전 (tro cap chenh lech lai suat) giup giam lai suat thuc te 1-2%. So voi Viet Nam (tran 4.0-4.5%), Han Quoc co lai suat chinh sach thap hon va quy mo lon hon.

Cac thuat ngu lien quan

Vi du cau

"베트남 정부는 5대 우선 분야 중소기업에 단기 대출 금리 상한을 4.04.5%로 설정하고, 신용보증기금이 대출액의 최대 80%를 보증합니다. 한국의 정책자금(연 2.03.5%)보다 금리는 높지만, 성장 잠재력이 큰 시장입니다."

→ Chinh phu Viet Nam dat tran lai suat ngan han 4.0-4.5% cho SME 5 linh vuc uu tien, Quy BLTD bao lanh toi da 80%. Lai suat cao hon Han Quoc (2.0-3.5%) nhung thi truong co tiem nang tang truong lon.

Vay uu dai trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von lai suat uu dai tu chuong trinh nha nuoc tieng Trung la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc trong tieng Trung la 政府贴息贷款 (Zhèngfǔ Tiēxī Dàikuǎn).

Dinh nghia

政府贴息贷款 la hinh thuc cho vay co tro cap lai suat tu chinh phu. Tai Trung Quoc, 央行 (PBOC) su dung 再贷款 (tai cho vay) va 再贴现 (tai chiet khau) de ho tro 普惠小微贷款 (cho vay MSME tai chinh toan dien) voi lai suat duoi LPR. 地方政府 (chinh quyen dia phuong) cung cap 贴息 (tro cap lai suat) 1-3% cho 重点行业 (nganh trong diem). 国家融资担保基金 co quy mo 661 ty NDT, ho tro 小微企业 vay voi 担保费 chi 0.5%. So voi Viet Nam (tran 4.0-4.5% cho 5 linh vuc), Trung Quoc co quy mo tro cap lon hon nhieu.

Cac thuat ngu lien quan

Vi du cau

"越南政府对五大优先领域的中小企业设定短期贷款利率上限为4.0%至4.5%，信用担保基金提供最高80%的贷款担保。与中国政府贴息贷款（利率低于LPR 3.45%）相比，利率较高但市场增长潜力巨大。"

→ Chinh phu Viet Nam dat tran lai suat 4.0-4.5% cho SME 5 linh vuc uu tien, Quy BLTD bao lanh toi da 80%. So voi Trung Quoc (duoi LPR 3.45%) lai suat cao hon nhung tiem nang tang truong lon.

Vay uu dai trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von lai suat uu dai tu chuong trinh nha nuoc tieng Tay Ban Nha la gi?

Vay von lai suat uu dai tu chuong trinh nha nuoc trong tieng Tay Ban Nha la Prestamo empresarial subvencionado (Préstamo empresarjal subvensionádo).

Dinh nghia

Prestamo empresarial subvencionado la hinh thuc cho vay co tro cap tu chinh phu. Tai Tay Ban Nha, Lineas ICO (Instituto de Credito Oficial) la cong cu chinh de ho tro PYME voi prestamos voi lai suat 3.5-5.5%/nam va ky han toi 20 nam. Programas ENISA cung cap prestamos participativos (vay tham gia) cho emprendedores (doanh nhan khoi nghiep) voi lai suat 3.75% + Euribor. Fondos FEDER (Quy Phat trien Khu vuc Chau Au) cung ho tro PYME tai cac vung kem phat trien. So voi Viet Nam (tran 4.0-4.5% ngan han), Tay Ban Nha co nhieu kenh ho tro da dang hon tu ca quoc gia va EU.

Cac thuat ngu lien quan

Vi du cau

"El gobierno vietnamita establece un techo de tasas de interes del 4.0% al 4.5% anual para prestamos a corto plazo a PYME en cinco sectores prioritarios, con un fondo de garantia crediticia que cubre hasta el 80% del valor del prestamo. Comparado con las lineas ICO espanolas (3.5-5.5%), las condiciones son similares pero con menor plazo."

→ Chinh phu Viet Nam dat tran lai suat 4.0-4.5%/nam cho vay ngan han SME 5 linh vuc uu tien, Quy BLTD bao lanh toi da 80%. So voi ICO Tay Ban Nha (3.5-5.5%), dieu kien tuong tu nhung ky han ngan hon.

Vay uu dai trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.