{"id":1691,"date":"2025-09-03T01:06:06","date_gmt":"2025-09-03T08:06:06","guid":{"rendered":"https:\/\/giaodichlienket.man.net.vn\/?p=1691"},"modified":"2026-03-04T18:31:31","modified_gmt":"2026-03-05T01:31:31","slug":"chi-phi-lai-vay-thuong-mai-dich-vu","status":"publish","type":"post","link":"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/","title":{"rendered":"\u4e86\u89e3\u5546\u4e1a\u8d37\u6b3e\u670d\u52a1\u7684\u6210\u672c"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5728\u73b0\u4ee3\u7ecf\u6d4e\u4e2d\uff0c\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u5360\u636e\u7740\u4e3e\u8db3\u8f7b\u91cd\u7684\u5730\u4f4d\uff0c\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u7684\u5229\u606f\u652f\u51fa\u5df2\u6210\u4e3a\u8861\u91cf\u4f01\u4e1a\u8d22\u52a1\u5065\u5eb7\u72b6\u51b5\u548c\u8d44\u91d1\u7ba1\u7406\u80fd\u529b\u7684\u91cd\u8981\u6307\u6807\u3002\u8fd9\u4e0d\u4ec5\u662f\u4e00\u7b14\u501f\u5165\u8d44\u672c\u7684\u652f\u51fa\uff0c\u8fd8\u76f4\u63a5\u5f71\u54cd\u4f01\u4e1a\u7684\u5229\u6da6\u3001\u89c4\u6a21\u6269\u5f20\u80fd\u529b\u4ee5\u53ca\u8d22\u52a1\u62a5\u544a\u7684\u900f\u660e\u5ea6\u3002\u52302025\u5e74\uff0c\u5728\u5229\u7387\u6c34\u5e73\u7ef4\u6301\u57286.651\u592a\u5e73\u7ec5\u58eb\/\u5e74\uff0c\u4e14\u666e\u904d\u57286.7\u81f39.11\u592a\u5e73\u7ec5\u58eb\/\u5e74\u8303\u56f4\u5185\u7684\u60c5\u51b5\u4e0b\uff0c\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u7684\u5229\u606f\u652f\u51fa\u5df2\u6210\u4e3a\u4f17\u591a\u4f01\u4e1a\u5173\u6ce8\u7684\u7126\u70b9\u3002\u5728\u4fe1\u8d37\u9700\u6c42\u5f3a\u52b2\u590d\u82cf\u7684\u80cc\u666f\u4e0b\uff0c\u4e13\u5bb6\u9884\u6d4b\u5229\u7387\u53ef\u80fd\u4e0a\u53470.5\u81f30.7\u4e2a\u767e\u5206\u70b9\uff0c\u8fd9\u5bf9\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u4f01\u4e1a\u7684\u8d22\u52a1\u6218\u7565\u6784\u6210\u91cd\u5927\u6311\u6218\u3002<\/span><\/p>\n<blockquote><p><b>\u6765\u6e90\uff1a<\/b> <a href=\"https:\/\/www.dnse.com.vn\/senses\/tin-tuc\/lai-suat-cho-vay-ruc-rich-tang-lai-vay-nam-2025-the-nao-34046809?utm_source=chatgpt.com\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">2025\u5e74\u8d37\u6b3e\u5229\u7387<\/span><\/a><\/p><\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u6307\u6570<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u5207\u6362\u76ee\u5f55\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\u5207\u6362<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" 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>\u8d38\u6613\u670d\u52a1\u4e2d\u7684\u5229\u606f\u6210\u672c\u6982\u5ff5<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#_Chi_phi_lai_vay_thuan_duoc_hieu_nhu_the_nao\" >\u00a0\u51c0\u5229\u606f\u652f\u51fa\u5982\u4f55\u7406\u89e3\uff1f<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Vai_tro_cua_chi_phi_lai_vay_trong_thuong_mai_dich_vu\" >\u5229\u606f\u6210\u672c\u5728\u670d\u52a1\u8d38\u6613\u4e2d\u7684\u4f5c\u7528<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" 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href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Tac_dong_toi_bao_cao_tai_chinh_va_tin_dung\" >\u5bf9\u8d22\u52a1\u548c\u4fe1\u7528\u62a5\u544a\u7684\u5f71\u54cd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Ty_le_no_von_chi_phi_lai_vay_va_kha_nang_tra_no_la_chi_tieu_quan_trong_voi_ngan_hang_va_nha_dau_tu_khi_danh_gia_ho_so_tin_dung_dinh_gia_doanh_nghiep_va_ra_quyet_dinh_cap_von_Quan_tri_chi_phi_lai_vay_trong_thuong_mai_dich_vu_tot_gop_phan_nang_diem_tin_nhiem_va_giam_chi_phi_von_tong_the\" 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href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Nhung_rui_ro_thuong_gap_trong_chi_phi_lai_vay_thuong_mai_dich_vu\" >\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u5e38\u89c1\u98ce\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Ket_luan\" >\u603b\u7ed3\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-thuong-mai-dich-vu\/#Thong_tin_lien_he_MAN_%E2%80%93_Master_Accountant_Network\" >\u8054\u7cfb\u4fe1\u606f MAN \u2013 \u4f1a\u8ba1\u5e08\u5927\u5e08\u7f51\u7edc<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Khai_niem_chi_phi_lai_vay_trong_thuong_mai_dich_vu\"><\/span><b>\u8d38\u6613\u670d\u52a1\u4e2d\u7684\u5229\u606f\u6210\u672c\u6982\u5ff5<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_2002\" aria-describedby=\"caption-attachment-2002\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2002\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1.jpg\" alt=\"Kh\u00e1i ni\u1ec7m chi ph\u00ed l\u00e3i vay th\u01b0\u01a1ng m\u1ea1i d\u1ecbch v\u1ee5\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Khai-niem-chi-phi-lai-vay-thuong-mai-dich-vu-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2002\" class=\"wp-caption-text\">\u5546\u4e1a\u670d\u52a1\u5229\u606f\u6210\u672c\u7684\u6982\u5ff5<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u662f\u6307\u4f01\u4e1a\u5229\u7528\u501f\u5165\u8d44\u91d1\u8fdb\u884c\u91c7\u8d2d\u3001\u670d\u52a1\u63d0\u4f9b\u548c\u7ecf\u8425\u6d3b\u52a8\u6240\u4ea7\u751f\u7684\u603b\u6210\u672c\uff08\u5305\u62ec\u5e94\u4ed8\u7ed9\u94f6\u884c\u3001\u4fe1\u8d37\u673a\u6784\u6216\u5176\u4ed6\u8d37\u6b3e\u4eba\u7684\u5229\u606f\uff09\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7a0e\u6cd5\u53ca\u76f8\u5173\u6cd5\u4ee4\u8fdb\u4e00\u6b65\u660e\u786e\u4e86\u51c0\u5229\u606f\u652f\u51fa\u7684\u6982\u5ff5\uff0c\u5373\u6263\u9664\u5b58\u6b3e\u5229\u606f\u548c\u8d37\u6b3e\u5229\u606f\uff08\u5982\u6709\uff09\u540e\u7684\u5229\u606f\u652f\u51fa\uff0c\u4f5c\u4e3a\u8ba1\u7b97\u5e94\u7a0e\u6536\u5165\u65f6\u786e\u5b9a\u6263\u9664\u8d39\u7528\u90e8\u5206\u7684\u4f9d\u636e\u3002<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"_Chi_phi_lai_vay_thuan_duoc_hieu_nhu_the_nao\"><\/span><b>\u00a0\u51c0\u5229\u606f\u652f\u51fa\u5982\u4f55\u7406\u89e3\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u51c0\u5229\u606f\u652f\u51fa\u662f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u603b\u989d\u51cf\u53bb\u5b58\u6b3e\u6216\u8d37\u6b3e\u5229\u606f\u6536\u5165\u540e\u7684\u4f59\u989d\uff0c\u53cd\u6620\u4f01\u4e1a\u501f\u5165\u8d44\u91d1\u7684\u5b9e\u9645\u6210\u672c\uff0c\u6263\u9664\u5176\u4ed6\u5229\u606f\u6536\u5165\u540e\u7684\u4f59\u989d\u3002\u8fd9\u662f\u4f01\u4e1a\u8d22\u52a1\u62a5\u8868\u4e2d\u7684\u91cd\u8981\u9879\u76ee\uff0c\u7528\u4e8e\u4f9d\u6cd5\u8ba1\u7b97\u5229\u606f\u652f\u51fa\u63a7\u5236\u6c34\u5e73\u3002 <\/span><a href=\"https:\/\/vanban.chinhphu.vn\/?pageid=27160&amp;docid=212716\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u7b2c20\/2025\/ND-CP\u53f7\u6cd5\u4ee4<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vai_tro_cua_chi_phi_lai_vay_trong_thuong_mai_dich_vu\"><\/span><b>\u5229\u606f\u6210\u672c\u5728\u670d\u52a1\u8d38\u6613\u4e2d\u7684\u4f5c\u7528<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4e3a\u4e86\u66f4\u6e05\u695a\u5730\u4e86\u89e3\u5176\u91cd\u8981\u6027\uff0c\u8ba9\u6211\u4eec\u8ddf\u968fMAN-\u4f1a\u8ba1\u5e08\u4e00\u8d77\u5b66\u4e60\u548c\u5206\u6790\u5546\u4e1a\u670d\u52a1\u5229\u606f\u8d39\u7528\u76f4\u63a5\u5f71\u54cd\u4f01\u4e1a\u8d22\u52a1\u6d3b\u52a8\u548c\u53d1\u5c55\u6218\u7565\u7684\u65b9\u9762\u3002<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Tac_dong_toi_loi_nhuan_va_dong_tien\"><\/span><b>\u5bf9\u5229\u6da6\u548c\u73b0\u91d1\u6d41\u7684\u5f71\u54cd<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u5141\u8bb8\u6263\u9664\u5229\u606f\u652f\u51fa\uff0c\u5229\u606f\u652f\u51fa\u4f1a\u76f4\u63a5\u51cf\u5c11\u4f1a\u8ba1\u5229\u6da6\u548c\u7a0e\u540e\u5229\u6da6\uff1b\u5229\u606f\u652f\u51fa\u662f\u4e00\u9879\u7ecf\u5e38\u6027\u73b0\u91d1\u652f\u51fa\uff0c\u4f1a\u5f71\u54cd\u7ecf\u8425\u73b0\u91d1\u6d41\u3002\u5bf9\u4e8e\u5229\u6da6\u7387\u8f83\u4f4e\u7684\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u4f01\u4e1a\u800c\u8a00\uff0c\u5408\u7406\u7684\u5229\u606f\u652f\u51fa\u6c34\u5e73\u51b3\u5b9a\u4e86\u8d22\u52a1\u7684\u53ef\u6301\u7eed\u6027\u548c\u53ef\u6269\u5c55\u6027\u3002<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Anh_huong_den_thue_thu_nhap_doanh_nghiep_TNDN\"><\/span><b>\u5bf9\u4f01\u4e1a\u6240\u5f97\u7a0e\uff08CIT\uff09\u7684\u5f71\u54cd<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u8ba1\u7b97\u5e94\u7a0e\u6536\u5165\u65f6\uff0c\u5e76\u975e\u6240\u6709\u5229\u606f\u652f\u51fa\u5747\u53ef\u62b5\u6263\u3002\u63a7\u5236\u6cd5\u89c4\uff08\u4f8b\u5982EBITDA\u7684%\u6216\u7c7b\u4f3c\u6cd5\u89c4\uff09\u53ef\u80fd\u4f1a\u5c06\u90e8\u5206\u5229\u606f\u6392\u9664\u5728\u53ef\u62b5\u6263\u652f\u51fa\u4e4b\u5916\uff0c\u4ece\u800c\u589e\u52a0\u7eb3\u7a0e\u4e49\u52a1\u3002\u8fd9\u8981\u6c42\u4f01\u4e1a\u91cd\u65b0\u8bbe\u8ba1\u5176\u8d44\u672c\u7ed3\u6784\uff0c\u4ee5\u4f18\u5316\u7a0e\u540e\u6548\u7387\u3002<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Vai_tro_trong_quan_tri_rui_ro_va_ra_quyet_dinh_tai_chinh\"><\/span><b>\u5728\u98ce\u9669\u7ba1\u7406\u548c\u8d22\u52a1\u51b3\u7b56\u4e2d\u7684\u4f5c\u7528<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u51c6\u786e\u4e86\u89e3\u53ef\u62b5\u6263\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u6570\u989d\uff0c\u6709\u52a9\u4e8e\u8d22\u52a1\u90e8\u95e8\u89c4\u5212\u8d44\u672c\u3001\u9009\u62e9\u8d44\u91d1\u6765\u6e90\uff08\u94f6\u884c\u503a\u52a1\u3001\u503a\u5238\u3001\u80a1\u6743\u3001\u76f8\u5173\u8d37\u6b3e\uff09\uff0c\u5e76\u66f4\u51c6\u786e\u5730\u4e3a\u670d\u52a1\u548c\u9500\u552e\u6210\u672c\u5b9a\u4ef7\u3002\u540c\u65f6\uff0c\u5173\u8054\u4ea4\u6613\u76f8\u5173\u5229\u606f\u652f\u51fa\u7684\u5408\u7406\u6027\uff08\u516c\u5e73\u4ea4\u6613\u539f\u5219\uff09\u4e5f\u6613\u4e8e\u5ba1\u67e5\uff0c\u4ece\u800c\u5f71\u54cd\u5185\u90e8\u5b9a\u4ef7\u653f\u7b56\u548c\u8d37\u6b3e\u5408\u540c\u3002<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Tac_dong_toi_bao_cao_tai_chinh_va_tin_dung\"><\/span><b>\u5bf9\u8d22\u52a1\u548c\u4fe1\u7528\u62a5\u544a\u7684\u5f71\u54cd<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Ty_le_no_von_chi_phi_lai_vay_va_kha_nang_tra_no_la_chi_tieu_quan_trong_voi_ngan_hang_va_nha_dau_tu_khi_danh_gia_ho_so_tin_dung_dinh_gia_doanh_nghiep_va_ra_quyet_dinh_cap_von_Quan_tri_chi_phi_lai_vay_trong_thuong_mai_dich_vu_tot_gop_phan_nang_diem_tin_nhiem_va_giam_chi_phi_von_tong_the\"><\/span><span style=\"font-weight: 400;\">\u8d1f\u503a\u6743\u76ca\u6bd4\u3001\u5229\u606f\u652f\u51fa\u548c\u507f\u503a\u80fd\u529b\u662f\u94f6\u884c\u548c\u6295\u8d44\u8005\u8bc4\u4f30\u4fe1\u7528\u72b6\u51b5\u3001\u8bc4\u4f30\u4f01\u4e1a\u4ef7\u503c\u548c\u5236\u5b9a\u878d\u8d44\u51b3\u7b56\u7684\u91cd\u8981\u6307\u6807\u3002\u826f\u597d\u7684\u5546\u4e1a\u670d\u52a1\u4e1a\u5229\u606f\u652f\u51fa\u7ba1\u7406\u6709\u52a9\u4e8e\u63d0\u9ad8\u4fe1\u7528\u8bc4\u5206\u5e76\u964d\u4f4e\u603b\u4f53\u8d44\u672c\u6210\u672c\u3002<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"Co_so_phap_ly_ve_chi_phi_lai_vay_trong_thuong_mai_dich_vu\"><\/span><b>\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u6cd5\u5f8b\u57fa\u7840<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_2003\" aria-describedby=\"caption-attachment-2003\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2003\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1.jpg\" alt=\"C\u01a1 s\u1edf ph\u00e1p l\u00fd v\u1ec1 chi ph\u00ed l\u00e3i vay trong th\u01b0\u01a1ng m\u1ea1i d\u1ecbch v\u1ee5\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Co-so-phap-ly-ve-chi-phi-lai-vay-trong-thuong-mai-dich-vu-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2003\" class=\"wp-caption-text\">\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u6cd5\u5f8b\u57fa\u7840<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u662f\u89c4\u8303\u5173\u8054\u4ea4\u6613\u4f01\u4e1a\u7a0e\u52a1\u7ba1\u7406\u7684\u57fa\u7840\u6027\u6587\u4ef6\uff0c\u5305\u62ec\u5bf9\u5229\u606f\u8d39\u7528\u6263\u9664\u7684\u786e\u5b9a\u548c\u8003\u8651\u7684\u8be6\u7ec6\u89c4\u5b9a\uff08\u4ee5\u53ca\u8bc1\u660e\u5229\u606f\u8d39\u7528\u6263\u9664\u5408\u7406\u6027\u7684\u6587\u4ef6\u548c\u6807\u51c6\uff09\u3002 <a href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tong-quan-giao-dich-lien-ket-2025\/\">\u8054\u76df\u4ea4\u6613<\/a>\u7b2c20\/2025\/ND-CP\u53f7\u6cd5\u4ee4\u5bf9\u7b2c132\/2020\u53f7\u6cd5\u4ee4\u7684\u82e5\u5e72\u5185\u5bb9\u8fdb\u884c\u4e86\u4fee\u8ba2\u548c\u8865\u5145\uff08\u81ea2025\u5e743\u670827\u65e5\u8d77\u751f\u6548\uff09\u3002\u4f01\u4e1a\u9700\u6838\u5b9e\u53d8\u66f4\u5185\u5bb9\u9002\u7528\u7684\u7eb3\u7a0e\u671f\u95f4\uff0c\u4ee5\u514d\u5728\u6700\u7ec8\u7ed3\u7b97\u65f6\u4ea7\u751f\u6df7\u6dc6\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5173\u4e8e\u5229\u606f\u8d39\u7528\u7684\u4f1a\u8ba1\u5904\u7406\u548c\u8d44\u672c\u5316\uff08\u5982\u679c\u5728\u6295\u8d44\u3001\u5efa\u8bbe\u548c\u8d44\u4ea7\u521b\u9020\u8fc7\u7a0b\u4e2d\u4ea7\u751f\uff09\u3002\u4f1a\u8ba1\u548c\u7a0e\u52a1\u51c6\u5219\uff08\u4f8b\u5982 <\/span><a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Doanh-nghiep\/Thong-tu-45-2013-TT-BTC-Che-do-quan-ly-su-dung-va-trich-khau-hao-tai-san-co-dinh-183508.aspx?utm_source=chatgpt.com\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">45\/2013\u53f7\u901a\u51fd<\/span><\/a><span style=\"font-weight: 400;\"> \u300a\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u300b\u53ca\u76f8\u5173\u6307\u5bfc\u6027\u6587\u4ef6\u5bf9\u5229\u606f\u8d39\u7528\u4f55\u65f6\u53ef\u4ee5\u8d44\u672c\u5316\u3001\u4f55\u65f6\u5fc5\u987b\u4f5c\u4e3a\u8d39\u7528\u6838\u7b97\u8fdb\u884c\u4e86\u8be6\u7ec6\u89c4\u5b9a\uff0c\u8fd9\u76f4\u63a5\u5f71\u54cd\u5230\u670d\u52a1\u8d38\u6613\u4e2d\u5229\u606f\u8d39\u7528\u5728\u53ef\u6263\u9664\u8d39\u7528\u4e2d\u7684\u5360\u6bd4\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quy_dinh_khong_che\"><\/span><b>\u7ba1\u5236\u6761\u4f8b\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u5b58\u5728\u5173\u8054\u4ea4\u6613\u7684\u4f01\u4e1a\uff0c\u8ba1\u7b97\u4f01\u4e1a\u6240\u5f97\u7a0e\u65f6\uff0c\u51c0\u5229\u606f\u652f\u51fa\uff08\u671f\u95f4\u53d1\u751f\u7684\u5229\u606f\u6263\u9664\u5b58\u6b3e\u5229\u606f\u548c\u8d37\u6b3e\u5229\u606f\uff09\u9650\u4e8e132\u53f7\u4ee4\u89c4\u5b9a\u7684EBITDA\u7684\u4e00\u5b9a\u767e\u5206\u6bd4\uff0c\u76ee\u524d\u8be5\u6c34\u5e73\u9002\u7528EBITDA\u768430%\uff08\u6839\u636e132\/2020\u53f7\u4ee4\u7b2c16\u6761\u7b2c3\u6b3e\u53ca\u5b9e\u65bd\u7ec6\u5219\u7406\u89e3\u548c\u9002\u7528\uff09\u3002<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u201c\uff081\uff09\u7eb3\u7a0e\u4eba\u5f53\u671f\u53d1\u751f\u7684\u6263\u9664\u5b58\u6b3e\u5229\u606f\u3001\u8d37\u6b3e\u5229\u606f\u540e\u7684\u5229\u606f\u652f\u51fa\u603b\u989d\uff0c\u5728\u786e\u5b9a\u4f01\u4e1a\u6240\u5f97\u7a0e\u5e94\u7eb3\u7a0e\u6240\u5f97\u989d\u65f6\uff0c\u4e0d\u5f97\u8d85\u8fc7\u7eb3\u7a0e\u4eba\u5f53\u671f\u7ecf\u8425\u6d3b\u52a8\u7684\u51c0\u5229\u6da6\u603b\u989d\u52a0\u4e0a\u6263\u9664\u5b58\u6b3e\u5229\u606f\u3001\u8d37\u6b3e\u5229\u606f\u540e\u7684\u5229\u606f\u652f\u51fa\u52a0\u4e0a\u5f53\u671f\u53d1\u751f\u7684\u6298\u65e7\u8d39\u7528\u540e\u7684\u4f59\u989d\uff1b<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\uff082\uff09\u5982\u679c\u4e0b\u4e00\u7eb3\u7a0e\u671f\u95f4\u53d1\u751f\u7684\u53ef\u6263\u9664\u5229\u606f\u8d39\u7528\u603b\u989d\u4f4e\u4e8e\u7b2c\uff081\uff09\u70b9\u89c4\u5b9a\u7684\u6c34\u5e73\uff0c\u5219\u5728\u786e\u5b9a\u53ef\u6263\u9664\u5229\u606f\u8d39\u7528\u603b\u989d\u65f6\uff0c\u7b2c\uff081\uff09\u70b9\u89c4\u5b9a\u4e0d\u5f97\u6263\u9664\u7684\u5229\u606f\u8d39\u7528\u90e8\u5206\u5e94\u5f53\u7ed3\u8f6c\u81f3\u4e0b\u4e00\u7eb3\u7a0e\u671f\u95f4\u3002\u201d<\/span><\/p>\n<p><b>\u6765\u6e90 \uff1a<\/b> <a href=\"https:\/\/thuvienphapluat.vn\/chinh-sach-phap-luat-moi\/vn\/ho-tro-phap-luat\/tu-van-phap-luat\/56933\/quy-dinh-khong-che-30-chi-phi-lai-vay-theo-nghi-dinh-132-2020\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u6cd5\u5f8b\u56fe\u4e66\u9986\u00a0<\/span><\/a><\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"Su_khac_biet_trong_ap_dung_giua_thuong_mai_dich_vu_va_san_xuat\"><\/span><b>\u670d\u52a1\u8d38\u6613\u4e0e\u5236\u9020\u4e1a\u9002\u7528\u5dee\u5f02<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e3a\u4e86\u4e86\u89e3\u670d\u52a1\u8d38\u6613\u4e0e\u5236\u9020\u4e1a\u5728\u5229\u606f\u652f\u51fa\u76d1\u7ba1\u89c4\u5b9a\u5e94\u7528\u4e0a\u7684\u5dee\u5f02\uff0c\u6211\u4eec\u6765\u770b\u4e00\u4e0b\u5236\u9020\u4e1a\u4f01\u4e1a\u4e0e\u670d\u52a1\u8d38\u6613\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u5bf9\u6bd4\u8868\u3002\u8be5\u8868\u6709\u52a9\u4e8e\u4f01\u4e1a\u4e86\u89e3\u5229\u606f\u652f\u51fa\u7684\u8d44\u672c\u5316\u673a\u5236\u3001EBITDA\u7684\u8ba1\u7b97\u65b9\u6cd5\u4ee5\u53ca\u8d85\u8fc7\u5229\u606f\u652f\u51fa\u7ba1\u63a7\u95e8\u69db\u65f6\u7684\u98ce\u9669\u6c34\u5e73\u3002<\/span><\/p>\n<table style=\"width: 100%; border-color: #000000;\" border=\"1\" cellspacing=\"2\" cellpadding=\"12\">\n<caption><strong>\u6728\u677f\uff1a<\/strong> \u670d\u52a1\u8d38\u6613\u548c\u5236\u9020\u4e1a\u4e4b\u95f4\u8fdb\u884c\u6bd4\u8f83\u3002<\/caption>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><b>\u6807\u51c6<\/b><\/td>\n<td style=\"text-align: center;\"><b>\u5236\u9020\u53ca\u5efa\u7b51\u4e1a\u4f01\u4e1a<\/b><\/td>\n<td style=\"text-align: center;\"><b>\u8d38\u6613\u670d\u52a1\u4f01\u4e1a<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u80fd\u591f\u5c06\u5229\u606f\u652f\u51fa\u8d44\u672c\u5316\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u6295\u8d44\u671f\u95f4\u7684\u5229\u606f\u53ef\u8d44\u672c\u5316\u8ba1\u5165\u56fa\u5b9a\u8d44\u4ea7\/\u5728\u5efa\u5de5\u7a0b\u7684\u539f\u59cb\u6210\u672c\uff08\u6839\u636e\u7b2c45\/2013\/TT-BTC\u53f7\u901a\u77e5\u548c\u4f1a\u8ba1\u51c6\u5219\uff09\u3002\u8d44\u672c\u5316\u6709\u52a9\u4e8e\u51cf\u5c11\u5f53\u671f\u8bb0\u5f55\u7684\u5229\u606f\u652f\u51fa\uff0c\u4ece\u800c\u964d\u4f4e\u53d7\u63a7\u98ce\u9669\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u7528\u4e8e\u8d2d\u4e70\u5546\u54c1\u3001\u652f\u4ed8\u4f9b\u5e94\u5546\u548c\u8fd0\u8425\u7684\u8425\u8fd0\u8d44\u91d1\u8d37\u6b3e\u5927\u90e8\u5206\u4e0d\u8d44\u672c\u5316\uff0c\u5fc5\u987b\u5728\u671f\u95f4\u5185\u7acb\u5373\u5165\u8d26\uff0c\u5e76\u76f4\u63a5\u53d730% EBITDA\u9650\u989d\u7ea6\u675f\uff0c\u8d85\u8fc7\u9650\u989d\u7684\u98ce\u9669\u8f83\u9ad8\u3002<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u73b0\u91d1\u6d41\u548c EBITDA \u7ed3\u6784\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u901a\u5e38\u5177\u6709\u8f83\u5927\u7684\u6298\u65e7\u6210\u672c\uff08\u7531\u4e8e\u5bf9\u673a\u5668\u3001\u56fa\u5b9a\u8d44\u4ea7\u7684\u6295\u8d44\uff09\uff0c\u4f7f\u5f97EBITDA\u8f83\u9ad8\uff0c\u6709\u52a9\u4e8e\u63d0\u9ad8\u5229\u606f\u62b5\u6263\u80fd\u529b\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u6536\u5165\u7684\u5b63\u8282\u6027\u6ce2\u52a8\u548c\u5fae\u8584\u7684\u5229\u6da6\u7387\u5bfc\u81f4 EBITDA \u8f83\u4f4e\uff0c\u4ece\u800c\u9020\u6210\u5229\u606f\u6263\u9664\u51cf\u5c11\u548c\u8d39\u7528\u51b2\u9500\u98ce\u9669\u8f83\u9ad8\u3002<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u8054\u5c5e\u4ea4\u6613\u548c\u8d37\u6b3e\u6761\u4ef6\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u5982\u679c\u4ece\u5173\u8054\u65b9\u501f\u6b3e\uff0c\u4ecd\u7136\u9700\u8981\u63d0\u4f9b\u8bc1\u660e\u201c\u516c\u5e73\u4ea4\u6613\u201d\u7684\u6587\u4ef6\uff0c\u4f46\u957f\u671f\u6295\u8d44\u8d44\u672c\u7684\u6bd4\u4f8b\u901a\u5e38\u66f4\u5bb9\u6613\u89e3\u91ca\u3002<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u5173\u8054\u65b9\u7528\u4e8e\u77ed\u671f\u8d44\u672c\u8865\u5145\u7684\u6d41\u52a8\u8d44\u91d1\u501f\u6b3e\u5bb9\u6613\u53d7\u5230\u7a0e\u52a1\u673a\u5173\u7684\u4e25\u683c\u5ba1\u67e5\uff0c\u7531\u4e8e\u6ca1\u6709\u6bd4\u8f83\u5e02\u573a\u5229\u7387\u7684\u8bb0\u5f55\uff0c\u7a0e\u52a1\u673a\u5173\u5728\u6838\u7b97\u670d\u52a1\u8d38\u6613\u5229\u606f\u652f\u51fa\u65f6\u53ef\u4ee5\u6263\u9664\u3002<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u4ece\u5bf9\u6bd4\u8868\u4e2d\u53ef\u4ee5\u770b\u51fa\uff0c\u670d\u52a1\u8d38\u6613\u4f01\u4e1a\u7531\u4e8e\u8425\u8fd0\u8d44\u91d1\u7d27\u5f20\u3001\u5229\u6da6\u7a7a\u95f4\u8584\u7684\u7279\u70b9\uff0c\u5176\u5229\u606f\u652f\u51fa\u7ba1\u63a7\u538b\u529b\u5f80\u5f80\u9ad8\u4e8e\u5236\u9020\u4f01\u4e1a\uff0c\u8fd9\u5c31\u8981\u6c42\u670d\u52a1\u8d38\u6613\u4f01\u4e1a\u5fc5\u987b\u6784\u5efa\u4e25\u5bc6\u3001\u900f\u660e\u7684\u8d22\u52a1\u7b56\u7565\uff0c\u5e76\u4e25\u683c\u9075\u5b88\u76f8\u5173\u6cd5\u89c4\uff0c\u5728\u7ed3\u7b97\u8fc7\u7a0b\u4e2d\u4f18\u5316\u6210\u672c\u5e76\u63a7\u5236\u7a0e\u52a1\u98ce\u9669\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_xac_dinh_chi_phi_lai_vay_trong_thuong_mai_dich_vu\"><\/span><b>\u5982\u4f55\u786e\u5b9a\u5546\u4e1a\u670d\u52a1\u7684\u5229\u606f\u6210\u672c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u786e\u5b9a\u5546\u4e1a\u670d\u52a1\u7684\u5229\u606f\u652f\u51fa\u662f\u5426\u53ef\u4ee5\u62b5\u7a0e\uff0c\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53d6\u51b3\u4e8e\u7a0e\u6cd5\u89c4\u5b9a\u548c\u4f1a\u8ba1\u51c6\u5219\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vay_chi_phi_lai_vay_duoc_tru_la_gi\"><\/span><b>\u90a3\u4e48\u53ef\u6263\u9664\u5229\u606f\u8d39\u7528\u662f\u4ec0\u4e48\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u53ef\u62b5\u6263\u5229\u606f\u652f\u51fa\u662f\u6307\u4f01\u4e1a\u4e3a\u5408\u6cd5\u751f\u4ea7\u7ecf\u8425\u6d3b\u52a8\u7b7e\u8ba2\u7684\u8d37\u6b3e\u5408\u540c\u6240\u4ea7\u751f\u7684\u5229\u606f\u3002\u8d37\u6b3e\u5fc5\u987b\u5177\u5907\u9f50\u5168\u7684\u51ed\u8bc1\u548c\u6587\u4ef6\uff0c\u8d37\u6b3e\u5408\u540c\u5fc5\u987b\u900f\u660e\uff0c\u4e14\u5229\u7387\u548c\u6761\u6b3e\u7b26\u5408\u5e02\u573a\u89c4\u5f8b\uff08\u516c\u5e73\u4ea4\u6613\u539f\u5219\uff09\u3002\u6b64\u5916\uff0c\u53ef\u62b5\u6263\u5229\u606f\u652f\u51fa\u8fd8\u5fc5\u987b\u7b26\u5408\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u89c4\u5b9a\u7684\u63a7\u5236\u9650\u989d\uff08\u5173\u8054\u4ea4\u6613\u4f01\u4e1a\u7684EBITDA\u6700\u9ad8\u9650\u989d\u4e3a30%\uff09\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chi_phi_lai_vay_khong_duoc_tru_la_gi\"><\/span><b>\u4ec0\u4e48\u662f\u4e0d\u53ef\u6263\u9664\u7684\u5229\u606f\u8d39\u7528\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e0d\u53ef\u6263\u9664\u7684\u5229\u606f\u652f\u51fa\u5305\u62ec\u975e\u670d\u52a1\u4e8e\u4f01\u4e1a\u7ecf\u8425\u6d3b\u52a8\u7684\u4ea4\u6613\u4ea7\u751f\u7684\u5229\u606f\u3001\u65e0\u6709\u6548\u51ed\u8bc1\u7684\u8d37\u6b3e\u3001\u8d85\u8fc730% EBITDA\u63a7\u5236\u6c34\u5e73\u7684\u5229\u606f\u3001\u6216\u6765\u81ea\u5173\u8054\u65b9\u4f46\u65e0\u6cd5\u8bc1\u660e\u5176\u4e0e\u5e02\u573a\u76f8\u6bd4\u5408\u7406\u6027\u7684\u5229\u606f\u3002\u6b64\u5916\uff0c\u4e0e\u5269\u4f59\u6ce8\u518c\u8d44\u672c\uff08\u6839\u636e\u6ce8\u518c\u8d44\u672c\u51fa\u8d44\u65f6\u95f4\u8868\uff09\u76f8\u5bf9\u5e94\u7684\u5229\u606f\u4e5f\u4e0d\u5305\u62ec\u5728\u5408\u7406\u652f\u51fa\u4e2d\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Nguyen_tac_phan_loai_chi_phi_hop_ly\"><\/span><b>\u5408\u7406\u6210\u672c\u5206\u7c7b\u539f\u5219<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e3a\u786e\u4fdd\u5546\u4e1a\u670d\u52a1\u7684\u5229\u606f\u652f\u51fa\u5728\u7eb3\u7a0e\u65f6\u88ab\u63a5\u53d7\uff0c\u4f01\u4e1a\u9700\u8981\u9075\u5b88\u4ee5\u4e0b\u539f\u5219\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6709\u6548\u6587\u4ef6\u539f\u5219\uff1a\u6240\u6709\u8d37\u6b3e\u5fc5\u987b\u5177\u6709\u660e\u786e\u7684\u5408\u540c\u3001\u900f\u660e\u7684\u5229\u7387\u548c\u975e\u73b0\u91d1\u652f\u4ed8\u6587\u4ef6\uff08\u9488\u5bf9\u4fe1\u8d37\u673a\u6784\u548c\u5173\u8054\u65b9\u7684\u8d37\u6b3e\uff09\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u9002\u5408\u5546\u4e1a\u76ee\u7684\u539f\u5219\uff1a\u5229\u606f\u652f\u51fa\u53ea\u6709\u76f4\u63a5\u670d\u52a1\u4e8e\u4f01\u4e1a\u7684\u91c7\u8d2d\u3001\u670d\u52a1\u63d0\u4f9b\u3001\u7cfb\u7edf\u8fd0\u884c\u7b49\u6d3b\u52a8\u624d\u88ab\u8ba4\u4e3a\u662f\u5408\u7406\u7684\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EBITDA\u63a7\u5236\u539f\u5219\uff1a\u8fd0\u7528\u6cd5\u5f8b\u89c4\u5b9a\uff0c\u8ba1\u7b97\u51c0\u5229\u606f\u652f\u51fa\u548c\u53ef\u62b5\u6263\u9650\u989d\uff0c\u907f\u514d\u7ed3\u7b97\u65f6\u88ab\u62b5\u9500\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5173\u8054\u4ea4\u6613\u900f\u660e\u539f\u5219\uff1a\u5bf9\u4e8e\u5173\u8054\u65b9\u501f\u6b3e\uff0c\u5fc5\u987b\u6709\u6587\u4ef6\u8bc1\u660e\u5176\u5229\u7387\u4e0d\u9ad8\u4e8e\u6216\u4f4e\u4e8e\u5e02\u573a\u6c34\u5e73\uff0c\u786e\u4fdd\u9075\u5b88\u72ec\u7acb\u4ea4\u6613\u4ef7\u683c\u539f\u5219\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u9075\u5b88\u51fa\u8d44\u65f6\u95f4\u8868\u539f\u5219\uff1a\u5982\u679c\u516c\u53f8\u7ae0\u7a0b\u6240\u767b\u8bb0\u7684\u6ce8\u518c\u8d44\u672c\u672a\u5168\u90e8\u7f34\u8db3\uff0c\u5219\u4e0e\u672a\u7f34\u8db3\u7684\u6ce8\u518c\u8d44\u672c\u90e8\u5206\u76f8\u5bf9\u5e94\u7684\u8d37\u6b3e\u90e8\u5206\u6240\u4ea7\u751f\u7684\u5229\u606f\u652f\u51fa\uff0c\u4e0d\u8ba1\u5165\u5408\u7406\u8d39\u7528\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u786e\u5b9a\u8d38\u6613\u670d\u52a1\u4e2d\u7684\u5229\u606f\u652f\u51fa\u662f\u5426\u53ef\u62b5\u6263\uff0c\u53d6\u51b3\u4e8e\u4f01\u4e1a\u5bf9\u6cd5\u5f8b\u539f\u5219\u548c\u4f1a\u8ba1\u51c6\u5219\u7684\u9075\u5b88\u60c5\u51b5\u3002\u4f01\u4e1a\u9700\u8981\u660e\u786e\u533a\u5206\u4e0e\u5408\u6cd5\u7ecf\u8425\u6d3b\u52a8\u76f8\u5173\u3001\u8bb0\u5f55\u900f\u660e\u4e14\u572830% EBITDA\u9650\u989d\u5185\u7684\u53ef\u62b5\u6263\u5229\u606f\u652f\u51fa\uff0c\u4ee5\u53ca\u4e0d\u53ef\u62b5\u6263\u7684\u5229\u606f\u652f\u51fa\uff0c\u4f8b\u5982\u5728\u7f3a\u4e4f\u6709\u6548\u51ed\u8bc1\u3001\u5229\u7387\u8d85\u8fc7\u5e02\u573a\u6c34\u5e73\u6216\u8fdd\u53cd\u51fa\u8d44\u8fdb\u5ea6\u7684\u60c5\u51b5\u4e0b\u3002\u6b63\u786e\u8fd0\u7528\u51ed\u8bc1\u539f\u5219\u3001\u8d44\u91d1\u7528\u9014\u539f\u5219\u3001\u63a7\u5236\u5229\u606f\u652f\u51fa\u539f\u5219\u3001\u5173\u8054\u4ea4\u6613\u900f\u660e\u5ea6\u539f\u5219\u548c\u7ae0\u7a0b\u51fa\u8d44\u539f\u5219\uff0c\u662f\u5e2e\u52a9\u4f01\u4e1a\u65e2\u786e\u4fdd\u7a0e\u6cd5\u5408\u89c4\uff0c\u53c8\u53ef\u6301\u7eed\u4f18\u5316\u8d22\u52a1\u6210\u672c\u7684\u5173\u952e\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_rui_ro_thuong_gap_trong_chi_phi_lai_vay_thuong_mai_dich_vu\"><\/span><b>\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u5e38\u89c1\u98ce\u9669<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u670d\u52a1\u8d38\u6613\u5229\u606f\u652f\u51fa\u867d\u7136\u662f\u91cd\u8981\u7684\u91d1\u878d\u5de5\u5177\uff0c\u6709\u52a9\u4e8e\u4f01\u4e1a\u7ef4\u6301\u8d44\u91d1\u5468\u8f6c\u3001\u4f18\u5316\u7ecf\u8425\uff0c\u4f46\u7ba1\u7406\u4e0d\u5584\u4e5f\u4f1a\u5e26\u6765\u8bf8\u591a\u98ce\u9669\u3002\u5c24\u5176\u662f\u5728\u7a0e\u52a1\u673a\u5173\u52a0\u5f3a\u5173\u8054\u4ea4\u6613\u76d1\u7ba1\u7684\u80cc\u666f\u4e0b\uff0c\u4f01\u4e1a\u82e5\u4e0d\u9075\u5b88\u6cd5\u5f8b\u89c4\u5b9a\uff0c\u6781\u6613\u51fa\u73b0\u91cd\u5927\u5931\u8bef\u3002\u4e00\u4e9b\u5178\u578b\u7684\u98ce\u9669\u5305\u62ec\uff1a<\/span><\/p>\n<figure id=\"attachment_2004\" aria-describedby=\"caption-attachment-2004\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2004\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1.jpg\" alt=\"Nh\u1eefng r\u1ee7i ro th\u01b0\u1eddng g\u1eb7p trong chi ph\u00ed l\u00e3i vay th\u01b0\u01a1ng m\u1ea1i d\u1ecbch v\u1ee5\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-rui-ro-thuong-gap-trong-chi-phi-lai-vay-thuong-mai-dich-vu-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2004\" class=\"wp-caption-text\">\u5546\u4e1a\u670d\u52a1\u5229\u606f\u652f\u51fa\u7684\u5e38\u89c1\u98ce\u9669<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e0d\u5408\u7406\u7684\u5173\u8054\u4ea4\u6613\uff1a\u4f01\u4e1a\u4ee5\u5f02\u5e38\u9ad8\u5229\u7387\u5411\u5173\u8054\u65b9\u501f\u6b3e\uff0c\u4e14\u65e0\u76f8\u5173\u7ecf\u6d4e\u5b9e\u8d28\u8bc1\u660e\u6587\u4ef6\uff0c\u8be5\u7c7b\u8d39\u7528\u5f88\u5bb9\u6613\u88ab\u7a0e\u52a1\u673a\u5173\u5728\u6838\u7b97\u65f6\u6392\u9664\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4f1a\u8ba1\u548c\u7533\u62a5\u9519\u8bef\uff1a\u672a\u80fd\u6309\u7167\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u548c\u7b2c20\/2025\/ND-CP\u53f7\u6cd5\u4ee4\u660e\u786e\u5212\u5206\u53ef\u6263\u9664\u548c\u4e0d\u53ef\u6263\u9664\u7684\u5229\u606f\u8d39\u7528\uff0c\u53ef\u80fd\u5bfc\u81f4\u6b20\u7a0e\u548c\u7f5a\u6b3e\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u5173\u8054\u65b9\u62c6\u501f\u8d44\u91d1\uff1a\u7531\u4e8e\u8d38\u6613\u548c\u670d\u52a1\u4e1a\u5177\u6709\u8425\u8fd0\u8d44\u91d1\u9ad8\u3001\u8d22\u52a1\u6210\u672c\u5927\u3001\u5229\u6da6\u7387\u4f4e\u7684\u7279\u70b9\uff0c\u8fd9\u7c7b\u4ea4\u6613\u5f80\u5f80\u53d7\u5230\u7a0e\u52a1\u673a\u5173\u7684\u4e25\u683c\u63a7\u5236\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4ece\u4ee5\u4e0a\u5206\u6790\u53ef\u4ee5\u770b\u51fa\uff0c\u5546\u4e1a\u670d\u52a1\u4e2d\u5229\u606f\u8d39\u7528\u7684\u7ba1\u7406\u4e0d\u4ec5\u9650\u4e8e\u4f1a\u8ba1\u548c\u8d22\u52a1\u5c42\u9762\uff0c\u8fd8\u4e0e\u9075\u5b88\u7a0e\u6cd5\u7684\u4e49\u52a1\u548c\u62a5\u544a\u900f\u660e\u5ea6\u7684\u8981\u6c42\u76f8\u5173\u3002\u4f01\u4e1a\u8d8a\u6e05\u6670\u5730\u4e86\u89e3\u5176\u6027\u8d28\u548c\u98ce\u9669\uff0c\u5c31\u8d8a\u5bb9\u6613\u4e3b\u52a8\u6784\u5efa\u6709\u6548\u7684\u6210\u672c\u7ba1\u7406\u7b56\u7565\u3002\u8fd9\u4e5f\u662f\u5f97\u51fa\u4e0b\u6587\u7ed3\u8bba\u4e2d\u4e00\u822c\u6027\u7ed3\u8bba\u7684\u91cd\u8981\u524d\u63d0\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><b>\u603b\u7ed3\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u670d\u52a1\u8d38\u6613\u5229\u606f\u652f\u51fa\u7ba1\u7406\u4e0d\u4ec5\u662f\u4e00\u9879\u6cd5\u5f8b\u8981\u6c42\uff0c\u4e5f\u662f\u5e2e\u52a9\u4f01\u4e1a\u4f18\u5316\u8d22\u52a1\u6210\u672c\u3001\u63d0\u9ad8\u900f\u660e\u5ea6\u3001\u964d\u4f4e\u7a0e\u52a1\u98ce\u9669\u7684\u7b56\u7565\u3002\u5728\u7a0e\u52a1\u673a\u5173\u65e5\u76ca\u52a0\u5f3a\u5173\u8054\u4ea4\u6613\u7ba1\u63a7\u7684\u80cc\u666f\u4e0b\uff0c\u638c\u63e1\u53ef\u62b5\u6263\u548c\u4e0d\u53ef\u62b5\u6263\u8d39\u7528\u7684\u76f8\u5173\u89c4\u5b9a\uff0c\u5e76\u5efa\u7acb\u900f\u660e\u7684\u8d44\u672c\u7ba1\u7406\u4f53\u7cfb\uff0c\u5c06\u6709\u52a9\u4e8e\u4f01\u4e1a\u5728\u7a0e\u52a1\u673a\u5173\u65e5\u76ca\u52a0\u5f3a\u5173\u8054\u4ea4\u6613\u7ba1\u63a7\u7684\u80cc\u666f\u4e0b\u66f4\u5177\u4e3b\u52a8\u6027\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e3a\u786e\u4fdd\u5408\u89c4\uff0c\u4f01\u4e1a\u5e94\u54a8\u8be2\u987e\u95ee\u3001\u7533\u8bf7\u72ec\u7acb\u5ba1\u8ba1\u5e76\u4fdd\u5b58\u5145\u8db3\u7684\u4ea4\u6613\u6587\u4ef6\u3002\u8fd9\u662f\u6ee1\u8db3\u6cd5\u5f8b\u8981\u6c42\u548c\u4f18\u5316\u4e1a\u52a1\u7ee9\u6548\u7684\u5173\u952e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u7684\u4f01\u4e1a\u5e0c\u671b\u83b7\u5f97\u6709\u5173\u5546\u4e1a\u670d\u52a1\u8d37\u6b3e\u5229\u606f\u6210\u672c\u7684\u6df1\u5165\u5efa\u8bae\uff0c\u8bf7\u7acb\u5373\u8054\u7cfb MAN - Master Accountant Network \u5bfb\u6c42\u652f\u6301\u3002\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thong_tin_lien_he_MAN_%E2%80%93_Master_Accountant_Network\"><\/span><b>\u8054\u7cfb\u4fe1\u606f<\/b><b> MAN \u2013 \u4f1a\u8ba1\u5e08\u5927\u5e08\u7f51\u7edc<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5730\u5740\uff1a\u80e1\u5fd7\u660e\u5e02\u65b0\u987a\u574a43\u885719A\u53f7<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u624b\u673a\/\u624e\u6d1b\uff1a0903 963 163 \u2013 0903 428 622<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u7535\u5b50\u90ae\u4ef6\uff1a <\/span><a href=\"mailto:man@man.net.vn\"><span style=\"font-weight: 400;\">man@man.net.vn<\/span><\/a><\/li>\n<\/ul>\n<p>\u5185\u5bb9\u5236\u4f5c\uff1a\u5148\u751f\u00a0<a href=\"https:\/\/man.net.vn\/le-hoang-tuyen\/\" target=\"_blank\" rel=\"noopener nofollow\">\u9ece\u9ec4\u5ba3<\/a>\u00a0\u2013 MAN \u2013 Master Accountant Network \u7684\u521b\u59cb\u4eba\u517c\u9996\u5e2d\u6267\u884c\u5b98\uff0c\u8d8a\u5357\u6ce8\u518c\u4f1a\u8ba1\u5e08\uff0c\u62e5\u6709\u8d85\u8fc7 30 \u5e74\u7684\u4f1a\u8ba1\u3001\u5ba1\u8ba1\u548c\u8d22\u52a1\u54a8\u8be2\u7ecf\u9a8c\u3002<\/p>\n<p style=\"text-align: right;\"><b>\u7f16\u8f91\u59d4\u5458\u4f1a\uff1aMAN \u2013 \u4f1a\u8ba1\u5e08\u5927\u5e08\u7f51\u7edc<\/b><\/p>","protected":false},"excerpt":{"rendered":"<p>N\u1ec1n kinh t\u1ebf hi\u1ec7n \u0111\u1ea1i, n\u01a1i th\u01b0\u01a1ng m\u1ea1i v\u00e0 d\u1ecbch v\u1ee5 gi\u1eef vai tr\u00f2 x\u01b0\u01a1ng s\u1ed1ng, chi ph\u00ed l\u00e3i vay trong th\u01b0\u01a1ng m\u1ea1i d\u1ecbch v\u1ee5 tr\u1edf th\u00e0nh m\u1ed9t th\u01b0\u1edbc \u0111o quan tr\u1ecdng ph\u1ea3n \u00e1nh s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb v\u1ed1n c\u1ee7a doanh nghi\u1ec7p. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 kho\u1ea3n chi ph\u00e1t sinh [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,8,38],"tags":[],"class_list":["post-1691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dich-vu-chuyen-nghiep","category-nganh-doi-tuong-ap-dung","category-thuong-mai-dich-vu"],"acf":[],"_links":{"self":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/comments?post=1691"}],"version-history":[{"count":9,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1691\/revisions"}],"predecessor-version":[{"id":3052,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1691\/revisions\/3052"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/media\/2001"}],"wp:attachment":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/media?parent=1691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/categories?post=1691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/tags?post=1691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}