{"id":1717,"date":"2025-09-03T02:57:08","date_gmt":"2025-09-03T09:57:08","guid":{"rendered":"https:\/\/giaodichlienket.man.net.vn\/?p=1717"},"modified":"2026-03-04T18:36:23","modified_gmt":"2026-03-05T01:36:23","slug":"tim-hieu-chi-phi-lai-vay-sme","status":"publish","type":"post","link":"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/","title":{"rendered":"\u4e86\u89e3\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u7684\u6210\u672c"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5728\u7ade\u4e89\u65e5\u76ca\u6fc0\u70c8\u7684\u7ecf\u6d4e\u73af\u5883\u4e2d\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u5f80\u5f80\u4e25\u91cd\u4f9d\u8d56\u501f\u8d37\u8d44\u672c\u6765\u7ef4\u6301\u73b0\u91d1\u6d41\u5e76\u8fdb\u884c\u6269\u5f20\u6295\u8d44\u3002\u56e0\u6b64\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u6210\u4e3a\u5176\u8d22\u52a1\u6218\u7565\u4e2d\u7684\u4e00\u4e2a\u91cd\u8981\u56e0\u7d20\uff0c\u4e0d\u4ec5\u5f71\u54cd\u76c8\u5229\u80fd\u529b\uff0c\u8fd8\u51b3\u5b9a\u7740\u4f01\u4e1a\u7684\u957f\u671f\u53ef\u6301\u7eed\u6027\u3002\u5982\u679c\u7ba1\u7406\u4e0d\u5584\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u53ef\u80fd\u4f1a\u964d\u4f4e\u5229\u6da6\uff0c\u7ed9\u507f\u503a\u80fd\u529b\u5e26\u6765\u538b\u529b\uff0c\u5e76\u5728\u7eb3\u7a0e\u65f6\u5e26\u6765\u6cd5\u5f8b\u98ce\u9669\u3002\u5c24\u5176\u662f\u5728\u73b0\u884c\u6cd5\u5f8b\u4f53\u7cfb\uff08\u4f8b\u5982\u300a\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u300b\uff09\u4e0b\uff0c <\/span><a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Doanh-nghiep\/Nghi-dinh-132-2020-ND-CP-quy-dinh-quan-ly-thue-doi-voi-doanh-nghiep-co-giao-dich-lien-ket-452218.aspx\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4<\/span><\/a><span style=\"font-weight: 400;\"> \u4fee\u8ba2\u540e\u7684\u6761\u4f8b\u5bf9\u5173\u8054\u4ea4\u6613\u4e2d\u5229\u606f\u8d39\u7528\u7684\u63a7\u5236\u548c\u6263\u9664\u505a\u51fa\u4e86\u4e25\u683c\u7684\u89c4\u5b9a\u3002<\/span><\/p>\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\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Gioi_thieu_chi_phi_lai_vay_SME\" >\u5f15\u5165\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Khung_phap_ly_hien_hanh\" >\u73b0\u884c\u6cd5\u5f8b\u6846\u67b6\u00a0<\/a><\/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\/tim-hieu-chi-phi-lai-vay-sme\/#Khai_niem_chi_phi_lai_vay_doanh_nghiep_SME\" >\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u7684\u6982\u5ff5<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Dinh_nghia_chi_phi_lai_vay_doanh_nghiep_SME_theo_chuan_muc_ke_toan_va_quy_dinh_thue\" >\u6839\u636e\u4f1a\u8ba1\u51c6\u5219\u548c\u7a0e\u6cd5\u5bf9\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u7684\u5b9a\u4e49<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Tam_quan_trong_cua_viec_kiem_soat_chi_phi_lai_vay_SME_trong_chien_luoc_tai_chinh\" >\u63a7\u5236\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u5728\u8d22\u52a1\u6218\u7565\u4e2d\u7684\u91cd\u8981\u6027\u3002<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Cac_khoan_chi_phi_lai_vay_SME_duoc_coi_la_hop_ly_duoc_khau_tru_khi_tinh_thue\" >\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u88ab\u89c6\u4e3a\u5408\u7406\uff0c\u5728\u8ba1\u7b97\u7a0e\u6b3e\u65f6\u53ef\u4ee5\u6263\u9664\u3002<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Nhung_khoan_chi_phi_lai_vay_SME_khong_duoc_khau_tru_hoac_bi_khong_che\" >\u4e0d\u53ef\u6263\u9664\u6216\u53d7\u63a7\u7684\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Cach_tinh_chi_phi_lai_vay_SME\" >\u5982\u4f55\u8ba1\u7b97\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Nhung_thach_thuc_thuong_gap_khi_hach_toan_chi_phi_lai_vay_SME\" >\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u4f1a\u8ba1\u6838\u7b97\u7684\u5e38\u89c1\u6311\u6218<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Giai_phap_toi_uu_chi_phi_lai_vay_SME\" >\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c\u6700\u4f18\u89e3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#Ket_luan\" >\u603b\u7ed3<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tim-hieu-chi-phi-lai-vay-sme\/#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=\"Gioi_thieu_chi_phi_lai_vay_SME\"><\/span><b>\u5f15\u5165\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u8bb8\u591a\u4e2d\u5c0f\u4f01\u4e1a\u6700\u5173\u5fc3\u7684\u662f\u786e\u5b9a\u54ea\u4e9b\u5229\u606f\u652f\u51fa\u5408\u7406\u3001\u53ef\u62b5\u7a0e\uff0c\u4ee5\u53ca\u54ea\u4e9b\u5229\u606f\u652f\u51fa\u9700\u8981\u63a7\u5236\u3002\u4e3a\u4e86\u660e\u786e\u8fd9\u4e00\u70b9\uff0c\u9996\u5148\u9700\u8981\u4e86\u89e3\u76f4\u63a5\u89c4\u8303\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u7684\u6cd5\u5f8b\u6846\u67b6\uff0c\u5305\u62ec\u300a\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u300b\u53ca\u76f8\u5173\u6cd5\u4ee4\u3002\u8fd9\u662f\u4f01\u4e1a\u4e0d\u4ec5\u9075\u5b88\u6cd5\u89c4\uff0c\u8fd8\u80fd\u5236\u5b9a\u66f4\u6709\u6548\u7684\u6210\u672c\u4f18\u5316\u7b56\u7565\u7684\u57fa\u7840\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Khung_phap_ly_hien_hanh\"><\/span><b>\u73b0\u884c\u6cd5\u5f8b\u6846\u67b6\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e3a\u4e86\u6709\u6548\u7ba1\u7406\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\uff0c\u4f01\u4e1a\u9700\u8981\u4e86\u89e3\u8d8a\u5357\u73b0\u884c\u7684\u6cd5\u5f8b\u6846\u67b6\u3002\u6700\u91cd\u8981\u7684\u6cd5\u5f8b\u4f9d\u636e\u662f\u300a\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u300b\uff0c\u8be5\u6cd5\u660e\u786e\u89c4\u5b9a\u4e86\u786e\u5b9a\u5e94\u7a0e\u6536\u5165\u65f6\u53ef\u6263\u9664\u548c\u4e0d\u53ef\u6263\u9664\u652f\u51fa\u7684\u6761\u4ef6\u3002\u5bf9\u4e8e\u5b58\u5728\u5173\u8054\u4ea4\u6613\u7684\u4e2d\u5c0f\u4f01\u4e1a\uff0c\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u5728\u89c4\u5b9a\u63a7\u5236\u5229\u606f\u652f\u51fa\u7684\u539f\u5219\u65b9\u9762\u53d1\u6325\u7740\u5c24\u4e3a\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u8be5\u6cd5\u4ee4\u89c4\u5b9a\u51c0\u5229\u606f\u652f\u51fa\u603b\u989d\u4e0d\u5f97\u8d85\u8fc730% EBITDA\uff08\u606f\u7a0e\u6298\u65e7\u644a\u9500\u524d\u5229\u6da6\uff09\u3002<\/span><\/p>\n<blockquote><p><b>\u53c2\u89c1\uff1a<\/b> <a href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/chi-phi-lai-vay-bi-khong-che-quy-dinh-moi-nhat-2025\/\"><span style=\"font-weight: 400;\">2025\u5e74\u63a7\u5236\u5229\u606f\u652f\u51fa<\/span><\/a><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u4fee\u8ba2\u548c\u8865\u5145\u7684\u6cd5\u4ee4\u5305\u62ec <\/span><a href=\"https:\/\/vanban.chinhphu.vn\/default.aspx?pageid=27160&amp;docid=200313\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u7b2c68\/2020\/ND-CP\u53f7\u6cd5\u4ee4<\/span><\/a><span style=\"font-weight: 400;\"> \u6216\u8005\u6307\u5bfc\u6027\u6587\u4ef6\u5efa\u7acb\u4e86\u989d\u5916\u7684\u8fc7\u6e21\u673a\u5236\uff0c\u5e2e\u52a9\u4f01\u4e1a\u66f4\u7075\u6d3b\u5730\u5206\u914d\u591a\u4e2a\u7eb3\u7a0e\u671f\u95f4\u7684\u5229\u606f\u652f\u51fa\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9075\u5b88\u8be5\u6cd5\u5f8b\u6846\u67b6\u4e0d\u4ec5\u6709\u52a9\u4e8e\u4f01\u4e1a\u786e\u4fdd\u7a0e\u52a1\u7ed3\u7b97\u7684\u6709\u6548\u6027\uff0c\u8fd8\u80fd\u964d\u4f4e\u6210\u672c\u6392\u9664\u7684\u98ce\u9669\uff0c\u907f\u514d\u7a0e\u52a1\u8d1f\u62c5\u7a81\u7136\u589e\u52a0\u3002\u5c24\u5176\u5bf9\u4e8e\u672c\u8d28\u4e0a\u4e25\u91cd\u4f9d\u8d56\u8d37\u6b3e\u7684\u4e2d\u5c0f\u4f01\u4e1a\u800c\u8a00\uff0c\u7406\u89e3\u5e76\u6b63\u786e\u8fd0\u7528\u6cd5\u5f8b\u6cd5\u89c4\u662f\u4f18\u5316\u8d22\u52a1\u72b6\u51b5\u3001\u63d0\u9ad8\u900f\u660e\u5ea6\u4ee5\u53ca\u5728\u7a0e\u52a1\u673a\u5173\u548c\u5408\u4f5c\u4f19\u4f34\u5fc3\u76ee\u4e2d\u6811\u7acb\u826f\u597d\u58f0\u8a89\u7684\u57fa\u7840\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e86\u89e3\u6cd5\u5f8b\u6846\u67b6\u548c\u8ba1\u7b97\u65b9\u6cd5\u4ec5\u4ec5\u662f\u4e2a\u5f00\u59cb\u3002\u4e8b\u5b9e\u4e0a\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u6700\u5173\u5fc3\u7684\u5e76\u975e\u6cd5\u89c4\uff0c\u800c\u662f\u5982\u4f55\u5c06\u8fd9\u4e9b\u77e5\u8bc6\u8f6c\u5316\u4e3a\u6709\u6548\u7684\u7ba1\u7406\u5de5\u5177\u3002\u56e0\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u4e0d\u4ec5\u4ec5\u662f\u4e00\u9879\u8d22\u52a1\u652f\u51fa\uff0c\u66f4\u662f\u51b3\u5b9a\u76c8\u5229\u80fd\u529b\u3001\u73b0\u91d1\u6d41\u5065\u5eb7\u548c\u8d44\u91d1\u5b89\u5168\u7684\u56e0\u7d20\u3002\u56e0\u6b64\uff0c\u5728\u4f01\u4e1a\u7684\u8d22\u52a1\u6218\u7565\u4e2d\u63a7\u5236\u5229\u606f\u652f\u51fa\u5c24\u4e3a\u91cd\u8981\uff0c\u9700\u8981\u8ba4\u771f\u5206\u6790\uff0c\u4ee5\u89c4\u907f\u98ce\u9669\uff0c\u521b\u9020\u7ade\u4e89\u4f18\u52bf\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Khai_niem_chi_phi_lai_vay_doanh_nghiep_SME\"><\/span><b>\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u7684\u6982\u5ff5<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u8981\u7406\u89e3\u63a7\u5236\u5229\u606f\u652f\u51fa\u7684\u91cd\u8981\u6027\uff0c\u4f01\u4e1a\u9996\u5148\u9700\u8981\u7262\u7262\u638c\u63e1\u5176\u6982\u5ff5\u53ca\u5176\u5728\u6cd5\u5f8b\u4e0a\u7684\u9002\u7528\u8303\u56f4\u3002\u56e0\u6b64\uff0c\u4e86\u89e3\u4f1a\u8ba1\u51c6\u5219\u548c\u7a0e\u52a1\u6cd5\u89c4\u5bf9\u5229\u606f\u652f\u51fa\u7684\u5b9a\u4e49\uff0c\u662f\u4e2d\u5c0f\u4f01\u4e1a\u6b63\u786e\u3001\u900f\u660e\u3001\u5408\u6cd5\u5408\u89c4\u5730\u7ba1\u7406\u548c\u4f18\u5316\u5229\u606f\u652f\u51fa\u7684\u5fc5\u8981\u7b2c\u4e00\u6b65\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dinh_nghia_chi_phi_lai_vay_doanh_nghiep_SME_theo_chuan_muc_ke_toan_va_quy_dinh_thue\"><\/span><b>\u6839\u636e\u4f1a\u8ba1\u51c6\u5219\u548c\u7a0e\u6cd5\u5bf9\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u7684\u5b9a\u4e49<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6839\u636e <\/span><a href=\"https:\/\/thuvienphapluat.vn\/hoi-dap-phap-luat\/839F1EF-hd-he-thong-chuan-muc-ke-toan-viet-nam-vas-gom-nhung-gi.html\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u8d8a\u5357\u4f1a\u8ba1\u51c6\u5219\uff08VAS\uff09<\/span><\/a><span style=\"font-weight: 400;\">\u5229\u606f\u652f\u51fa\u662f\u6307\u4f01\u4e1a\u4e3a\u751f\u4ea7\u3001\u7ecf\u8425\u6216\u6295\u8d44\u76ee\u7684\u501f\u5165\u8d44\u91d1\u800c\u5fc5\u987b\u652f\u4ed8\u7684\u8d39\u7528\u3002\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u5305\u62ec\u94f6\u884c\u5229\u606f\u3001\u503a\u5238\u5229\u606f\u3001\u4fe1\u8d37\u5408\u540c\u76f8\u5173\u8d39\u7528\u3001\u4fe1\u8d37\u62c5\u4fdd\u8d39\u6216\u501f\u6b3e\u8fc7\u7a0b\u4e2d\u4ea7\u751f\u7684\u7c7b\u4f3c\u8d22\u52a1\u8d39\u7528\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7a0e\u6536\u65b9\u9762\uff0c\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u53ca\u5176\u914d\u5957\u6587\u4ef6\u660e\u786e\u89c4\u5b9a\u4e86\u5229\u606f\u652f\u51fa\u5728\u786e\u5b9a\u5e94\u7a0e\u6536\u5165\u65f6\u8ba1\u5165\u5408\u7406\u8d39\u7528\u7684\u8303\u56f4\u548c\u6761\u4ef6\u3002\u5177\u4f53\u800c\u8a00\uff0c\u53ea\u6709\u5b9e\u9645\u53d1\u751f\u7684\u8d37\u6b3e\u4ea4\u6613\u3001\u51ed\u8bc1\u9f50\u5168\u3001\u670d\u52a1\u4e8e\u751f\u4ea7\u7ecf\u8425\u6d3b\u52a8\u7684\u5229\u606f\u652f\u51fa\uff0c\u624d\u53ef\u4ee5\u5728\u7a0e\u524d\u6263\u9664\u3002\u8d85\u8fc7\u63a7\u5236\u8303\u56f4\u3001\u4ea4\u6613\u4e0d\u900f\u660e\u6216\u7f3a\u4e4f\u5408\u6cd5\u51ed\u8bc1\u800c\u4ea7\u751f\u7684\u5229\u606f\u652f\u51fa\uff0c\u4e0d\u4e88\u6263\u9664\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u800c\u8a00\uff0c\u8fd9\u9879\u89c4\u5b9a\u5c24\u4e3a\u91cd\u8981\uff0c\u56e0\u4e3a\u4f01\u4e1a\u901a\u5e38\u8d1f\u503a\u7387\u8f83\u9ad8\uff0c\u5e76\u4e14\u5b58\u5728\u8d85\u8fc7\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u89c4\u5b9a\u7684\u5229\u606f\u652f\u51fa\u4e0a\u9650\uff08EBITDA\u6700\u9ad8\u4e3a30%\uff09\u7684\u98ce\u9669\u3002\u56e0\u6b64\uff0c\u6b63\u786e\u7406\u89e3\u4f1a\u8ba1\u51c6\u5219\u548c\u7a0e\u6cd5\u4e2d\u5229\u606f\u652f\u51fa\u7684\u5b9a\u4e49\u548c\u8303\u56f4\uff0c\u662f\u4f01\u4e1a\u6709\u6548\u7ba1\u7406\u8d22\u52a1\u3001\u4f18\u5316\u6210\u672c\u5e76\u9075\u5b88\u6cd5\u5f8b\u7684\u57fa\u7840\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tam_quan_trong_cua_viec_kiem_soat_chi_phi_lai_vay_SME_trong_chien_luoc_tai_chinh\"><\/span><b>\u63a7\u5236\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u5728\u8d22\u52a1\u6218\u7565\u4e2d\u7684\u91cd\u8981\u6027\u3002<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6709\u6548\u63a7\u5236\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u53ef\u4ee5\u5e26\u6765\u8bf8\u591a\u5b9e\u9645\u6548\u76ca\uff0c\u5177\u4f53\u4f53\u73b0\u5728\u4ee5\u4e0b\u51e0\u4e2a\u65b9\u9762\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4f18\u5316\u5229\u6da6\uff1a\u5408\u7406\u7ba1\u7406\u5229\u606f\u652f\u51fa\uff0c\u5e2e\u52a9\u4f01\u4e1a\u5e73\u8861\u8d37\u6b3e\u4e0e\u80a1\u6743\uff0c\u4ece\u800c\u51cf\u8f7b\u8d22\u52a1\u6210\u672c\u538b\u529b\uff0c\u63d0\u9ad8\u51c0\u5229\u6da6\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u786e\u4fdd\u5408\u6cd5\u5408\u89c4\uff1a\u4e2d\u5c0f\u4f01\u4e1a\u53ea\u8981\u9075\u5b88\u300a\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u300b\u3001\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u53ca\u76f8\u5173\u6cd5\u4ee4\u7684\u89c4\u5b9a\uff0c\u5373\u53ef\u907f\u514d\u5728\u7eb3\u7a0e\u65f6\u88ab\u6392\u9664\u5229\u606f\u652f\u51fa\u7684\u98ce\u9669\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u63d0\u9ad8\u8d22\u52a1\u900f\u660e\u5ea6\uff1a\u826f\u597d\u7684\u5229\u606f\u6210\u672c\u63a7\u5236\u6709\u52a9\u4e8e\u8d22\u52a1\u62a5\u544a\u6e05\u6670\u900f\u660e\uff0c\u63d0\u9ad8\u94f6\u884c\u3001\u5408\u4f5c\u4f19\u4f34\u548c\u6295\u8d44\u8005\u7684\u4fe1\u8a89\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u9650\u5236\u8d22\u52a1\u98ce\u9669\uff1a\u4e25\u683c\u7ba1\u7406\u5229\u606f\u652f\u51fa\u6709\u52a9\u4e8e\u4f01\u4e1a\u907f\u514d\u8fc7\u5ea6\u7684\u8d22\u52a1\u6760\u6746\u3001\u73b0\u91d1\u6d41\u5931\u8861\u6216\u589e\u52a0\u503a\u52a1\u8d1f\u62c5\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u589e\u5f3a\u7ade\u4e89\u529b\uff1a\u4e2d\u5c0f\u4f01\u4e1a\u80fd\u591f\u66f4\u6709\u6548\u5730\u5229\u7528\u8d44\u91d1\uff0c\u4fdd\u6301\u7a33\u5b9a\u7684\u73b0\u91d1\u6d41\uff0c\u5e76\u5728\u5e02\u573a\u4e0a\u521b\u9020\u53ef\u6301\u7eed\u7684\u7ade\u4e89\u4f18\u52bf\u3002<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cac_khoan_chi_phi_lai_vay_SME_duoc_coi_la_hop_ly_duoc_khau_tru_khi_tinh_thue\"><\/span><b>\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u88ab\u89c6\u4e3a\u5408\u7406\uff0c\u5728\u8ba1\u7b97\u7a0e\u6b3e\u65f6\u53ef\u4ee5\u6263\u9664\u3002<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6839\u636e\u4f01\u4e1a\u6240\u5f97\u7a0e\u6cd5\u53ca\u76f8\u5173\u6307\u5bfc\u6587\u4ef6\u7684\u89c4\u5b9a\uff0c\u53ea\u6709\u5b9e\u9645\u53d1\u751f\u3001\u51ed\u8bc1\u9f50\u5168\u3001\u4fe1\u7528\u5408\u540c\u9f50\u5168\u3001\u76f4\u63a5\u670d\u52a1\u4e8e\u751f\u4ea7\u7ecf\u8425\u6d3b\u52a8\u7684\u5229\u606f\u652f\u51fa\uff0c\u624d\u5c5e\u4e8e\u5408\u7406\u7a0e\u524d\u6263\u9664\u3002\u5177\u4f53\u5305\u62ec\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u94f6\u884c\u5229\u606f\u8d39\u7528\u6765\u81ea\u4e8e\u8425\u8fd0\u8d44\u91d1\u3001\u673a\u68b0\u548c\u5de5\u5382\u6295\u8d44\u7684\u5408\u6cd5\u8d37\u6b3e\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5411\u5177\u6709\u5408\u6cd5\u7ecf\u8425\u8bb8\u53ef\u7684\u4fe1\u8d37\u673a\u6784\u3001\u91d1\u878d\u516c\u53f8\u6216\u4f01\u4e1a\u6276\u6301\u57fa\u91d1\u8d37\u6b3e\u7684\u5229\u606f\u652f\u51fa\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e0e\u8d37\u6b3e\u5408\u540c\u76f8\u5173\u7684\u8d39\u7528\uff0c\u4f8b\u5982\u4fe1\u7528\u62c5\u4fdd\u8d39\u3001\u516c\u53f8\u503a\u5238\u53d1\u884c\u8d39\u6216\u4e0e\u8d37\u6b3e\u76f4\u63a5\u76f8\u5173\u7684\u54a8\u8be2\u8d39\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u6263\u9664\u8fd9\u4e9b\u8d39\u7528\u6709\u52a9\u4e8e\u4e2d\u5c0f\u4f01\u4e1a\u51cf\u5c11\u7eb3\u7a0e\u4e49\u52a1\u3001\u4f18\u5316\u5229\u6da6\u5e76\u5c55\u793a\u8d22\u52a1\u7ba1\u7406\u7684\u900f\u660e\u5ea6\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Nhung_khoan_chi_phi_lai_vay_SME_khong_duoc_khau_tru_hoac_bi_khong_che\"><\/span><b>\u4e0d\u53ef\u6263\u9664\u6216\u53d7\u63a7\u7684\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u9664\u5408\u7406\u652f\u51fa\u5916\uff0c\u6cd5\u5f8b\u8fd8\u660e\u786e\u89c4\u5b9a\u4e86\u5728\u8ba1\u7b97\u4f01\u4e1a\u6240\u5f97\u7a0e\u65f6\u4e0d\u5f97\u6263\u9664\u6216\u9650\u5236\u6263\u9664\u7684\u5229\u606f\u652f\u51fa\u79cd\u7c7b\u3002\u5177\u4f53\u5305\u62ec\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5229\u606f\u652f\u51fa\u8d85\u63a7\uff1a\u6839\u636e\u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4\uff0c\u4f01\u4e1a\uff08\u542b\u4e2d\u5c0f\u4f01\u4e1a\uff09\u51c0\u5229\u606f\u652f\u51fa\u603b\u989d\u4e0d\u5f97\u8d85\u8fc7\u8425\u4e1a\u51c0\u5229\u6da6\u603b\u989d\u52a0\u5229\u606f\u652f\u51fa\u53ca\u6298\u65e7\uff08EBITDA\uff09\u768430%\uff0c\u8d85\u8fc7\u90e8\u5206\u4e0d\u5f97\u6263\u9664\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u975e\u7528\u4e8e\u751f\u4ea7\u7ecf\u8425\u6d3b\u52a8\u7684\u8d37\u6b3e\u5229\u606f\u652f\u51fa\uff1a\u4f8b\u5982\u4f01\u4e1a\u4e3b\u4e3a\u4e2a\u4eba\u652f\u51fa\u6216\u4e0e\u7ecf\u8425\u65e0\u5173\u7684\u6d3b\u52a8\u800c\u501f\u5165\u7684\u8d44\u91d1\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e0d\u900f\u660e\u4ea4\u6613\u7684\u5229\u606f\u6210\u672c\uff1a\u65e0\u5408\u540c\u7684\u8d37\u6b3e\u3001\u6765\u6e90\u4e0d\u660e\u7684\u8d37\u6b3e\u6216\u6765\u81ea\u6cd5\u89c4\u4e0d\u5141\u8bb8\u653e\u8d37\u7684\u4e2a\u4eba\u6216\u7ec4\u7ec7\u7684\u8d37\u6b3e\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u672a\u8db3\u989d\u7f34\u7eb3\u7ae0\u7a0b\u8d44\u672c\u6240\u4ea7\u751f\u7684\u5229\u606f\u8d39\u7528\uff1a\u4f01\u4e1a\u672a\u6309\u627f\u8bfa\u8db3\u989d\u7f34\u7eb3\u7ae0\u7a0b\u8d44\u672c\u7684\uff0c\u4e0e\u672a\u8db3\u989d\u7f34\u7eb3\u7684\u7ae0\u7a0b\u8d44\u672c\u5bf9\u5e94\u800c\u4ea7\u751f\u7684\u5229\u606f\u8d39\u7528\u4e0d\u8ba1\u5165\u5408\u7406\u8d39\u7528\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u652f\u51fa\uff0c\u82e5\u4e0d\u80fd\u660e\u786e\u533a\u5206\u53ef\u62b5\u6263\u548c\u4e0d\u53ef\u62b5\u6263\u7684\u8d39\u7528\uff0c\u5f80\u5f80\u5bb9\u6613\u9762\u4e34\u88ab\u7a0e\u52a1\u673a\u5173\u6392\u9664\u7684\u98ce\u9669\uff0c\u5bfc\u81f4\u4f01\u4e1a\u5e94\u7eb3\u7a0e\u989d\u589e\u52a0\u3002\u56e0\u6b64\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u9700\u8981\u5efa\u7acb\u900f\u660e\u7684\u8d37\u6b3e\u6863\u6848\u7ba1\u7406\u5236\u5ea6\uff0c\u4e25\u683c\u5bf9\u7167\u6cd5\u5f8b\u89c4\u5b9a\uff0c\u907f\u514d\u8d22\u52a1\u635f\u5931\uff0c\u7ef4\u62a4\u4f01\u4e1a\u957f\u671f\u7a33\u5b9a\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_tinh_chi_phi_lai_vay_SME\"><\/span><b>\u5982\u4f55\u8ba1\u7b97\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_2007\" aria-describedby=\"caption-attachment-2007\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2007\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1.jpg\" alt=\"H\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh chi ph\u00ed l\u00e3i vay SME\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Huong-dan-cach-tinh-chi-phi-lai-vay-SME-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2007\" class=\"wp-caption-text\">\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c\u8ba1\u7b97\u8bf4\u660e<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">\u6b63\u786e\u8ba1\u7b97\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\uff0c\u4e0d\u4ec5\u6709\u52a9\u4e8e\u51c6\u786e\u53cd\u6620\u4f01\u4e1a\u8d22\u52a1\u72b6\u51b5\uff0c\u8fd8\u80fd\u4f5c\u4e3a\u4f01\u4e1a\u5728\u7eb3\u7a0e\u7533\u62a5\u65f6\u786e\u5b9a\u5408\u7406\u652f\u51fa\u7684\u4f9d\u636e\u3002\u6839\u636e\u73b0\u884c\u89c4\u5b9a\uff0c\u53ef\u62b5\u6263\u5229\u606f\u652f\u51fa\u603b\u989d\u7684\u8ba1\u7b97\u516c\u5f0f\u5982\u4e0b\uff1a<\/span><\/p>\n<table style=\"width: 100%; border-color: #000000;\" border=\"1\" cellspacing=\"2\" cellpadding=\"12\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><b>EBITDA = \u51c0\u5229\u6da6 + \u5229\u606f \u2013 \u5b58\u8d37\u6b3e\u5229\u606f + \u6298\u65e7\u00a0<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>\u4f8b\u5b50\uff1a<\/b><span style=\"font-weight: 400;\"> 2024\u5e74\uff0cABC\u6709\u9650\u516c\u53f8\u5b58\u5728\u5173\u8054\u4ea4\u6613\uff0c\u4f01\u4e1a\u6240\u5f97\u7a0e\u6c47\u7b97\u6e05\u7f34\u4fe1\u606f\u5982\u4e0b\uff1a\u751f\u4ea7\u7ecf\u8425\u51c0\u5229\u6da6700,000,000\u8d8a\u5357\u76fe\uff0c\u6298\u65e7\u8d3950,000,000\u8d8a\u5357\u76fe\uff0c\u8d37\u6b3e\u5229\u606f380,000,000\u8d8a\u5357\u76fe\uff0c\u8d37\u6b3e\u5229\u606f\u6536\u516520,000,000\u8d8a\u5357\u76fe\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2024\u5e74\u6263\u9664\u5229\u606f=30% x EBITDA=333,000,000\u8d8a\u5357\u76fe\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2024\u5e74\uff0cABC\u6709\u9650\u516c\u53f8\u53ef\u62b5\u6263\u5229\u606f\u4e3a333,000,000\u8d8a\u5357\u76fe\uff0c\u5269\u4f5947,000,000\u8d8a\u5357\u76fe\u7ed3\u8f6c\u81f3\u4e0b\u4e00\u5e74\uff08\u6700\u957f\u4e0d\u8d85\u8fc75\u5e74\uff09\u3002<\/span><\/p>\n<blockquote><p><b>\u6765\u6e90\uff1a<\/b> <a href=\"https:\/\/baocaotaichinh.vn\/tin-tuc\/cach-tinh-ebitda-va-lai-vay-duoc-tru-khi-co-giao-dich-lien-ket-theo-nghi-dinh-so-132-2020-nd-cp-996112713-34661\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">\u8d22\u52a1\u62a5\u544a<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_thach_thuc_thuong_gap_khi_hach_toan_chi_phi_lai_vay_SME\"><\/span><b>\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u4f1a\u8ba1\u6838\u7b97\u7684\u5e38\u89c1\u6311\u6218<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u6838\u7b97\u5f80\u5f80\u9762\u4e34\u8bf8\u591a\u56f0\u96be\uff0c\u4e00\u65b9\u9762\u662f\u8d44\u91d1\u538b\u529b\uff0c\u53e6\u4e00\u65b9\u9762\u662f\u4e25\u683c\u9075\u5b88\u6cd5\u5f8b\u6cd5\u89c4\u3002\u4e00\u4e9b\u5178\u578b\u7684\u6311\u6218\u5305\u62ec\uff1a<\/span><\/p>\n<figure id=\"attachment_2008\" aria-describedby=\"caption-attachment-2008\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2008\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1.jpg\" alt=\"Nh\u1eefng th\u00e1ch th\u1ee9c th\u01b0\u1eddng g\u1eb7p khi h\u1ea1ch to\u00e1n chi ph\u00ed l\u00e3i vay SME\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Nhung-thach-thuc-thuong-gap-khi-hach-toan-chi-phi-lai-vay-SME-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2008\" class=\"wp-caption-text\">\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u4f1a\u8ba1\u6838\u7b97\u7684\u5e38\u89c1\u6311\u6218<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u9ad8\u5ea6\u4f9d\u8d56\u501f\u5165\u8d44\u672c\uff1a\u5927\u591a\u6570\u4f01\u4e1a\u7684\u81ea\u6709\u8d44\u672c\u6709\u9650\uff0c\u5fc5\u987b\u4f9d\u8d56\u94f6\u884c\u6216\u4fe1\u8d37\u673a\u6784\u7ef4\u6301\u8fd0\u8425\u3002\u8fd9\u901a\u5e38\u5bfc\u81f4\u5229\u606f\u652f\u51fa\u7387\u5c45\u9ad8\u4e0d\u4e0b\uff0c\u5f88\u5bb9\u6613\u8d85\u8fc730% EBITDA\u63a7\u5236\u6c34\u5e73\uff08\u6839\u636e<\/span><a href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/nghi-dinh-132-2020-nd-cp\/\"><span style=\"font-weight: 400;\"> \u7b2c132\/2020\/ND-CP\u53f7\u6cd5\u4ee4<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u7f3a\u4e4f\u6709\u6548\u51ed\u8bc1\u5bfc\u81f4\u8d39\u7528\u88ab\u6392\u9664\u7684\u98ce\u9669\uff1a\u5f88\u591a\u4f01\u4e1a\u5c1a\u672a\u5efa\u7acb\u5b8c\u5584\u7684\u8d37\u6b3e\u7533\u8bf7\u4f53\u7cfb\uff0c\u4ece\u4fe1\u8d37\u5408\u540c\u3001\u4ed8\u6b3e\u51ed\u8bc1\u5230\u8d37\u6b3e\u7528\u9014\u8bc1\u660e\u6587\u4ef6\uff0c\u5728\u7a0e\u52a1\u673a\u5173\u6838\u67e5\u65f6\uff0c\u4e00\u4e9b\u6ca1\u6709\u5408\u6cd5\u4f9d\u636e\u7684\u8d39\u7528\u5c06\u88ab\u6392\u9664\u5728\u5916\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u786e\u5b9a\u53ef\u62b5\u6263\u5229\u606f\u8d39\u7528\u7684\u9519\u8bef\uff1a\u7531\u4e8e\u4f1a\u8ba1\u548c\u7a0e\u52a1\u4eba\u5458\u6709\u9650\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u5728\u8ba1\u7b97EBITDA\u6216\u5212\u5206\u54ea\u4e9b\u8d37\u6b3e\u53ef\u62b5\u6263\u65f6\u7ecf\u5e38\u51fa\u73b0\u9519\u8bef\uff0c\u4ece\u800c\u5bfc\u81f4\u589e\u52a0\u610f\u5916\u7eb3\u7a0e\u4e49\u52a1\u7684\u98ce\u9669\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5c1a\u672a\u5229\u7528 <\/span><a href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/phan-tich-nganh\/chuyen-tiep-va-ap-dung\/\"><span style=\"font-weight: 400;\">\u5229\u606f\u6210\u672c\u8f6c\u5ac1\u673a\u5236<\/span><\/a><span style=\"font-weight: 400;\">\uff1a\u8bb8\u591a\u4f01\u4e1a\u4e0d\u4e86\u89e3\u6216\u672a\u9002\u7528\u7b2c68\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u7684\u89c4\u5b9a\uff0c\u8be5\u6cd5\u4ee4\u5141\u8bb8\u5c06\u8d85\u8fc7\u4e0a\u9650\u7684\u5229\u606f\u652f\u51fa\u90e8\u5206\u7ed3\u8f6c\u81f3\u4e0b\u4e00\u671f\u3002\u7ed3\u679c\uff0c\u4f01\u4e1a\u8499\u53d7\u635f\u5931\uff0c\u65e0\u6cd5\u4f18\u5316\u7eb3\u7a0e\u4e49\u52a1\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u7f3a\u4e4f\u957f\u671f\u8d22\u52a1\u7ba1\u7406\u7b56\u7565\uff1a\u90e8\u5206\u4e2d\u5c0f\u4f01\u4e1a\u6ce8\u91cd\u77ed\u671f\u8d37\u6b3e\u4ee5\u6ee1\u8db3\u5f53\u524d\u9700\u6c42\uff0c\u4e0d\u8003\u8651\u8d44\u672c\u7ed3\u6784\uff0c\u5bfc\u81f4\u5229\u606f\u6210\u672c\u4e0d\u65ad\u81a8\u80c0\uff0c\u5bf9\u73b0\u91d1\u6d41\u548c\u5229\u6da6\u9020\u6210\u538b\u529b\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4e0a\u8ff0\u6311\u6218\u8868\u660e\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u7684\u6838\u7b97\u4e0d\u4ec5\u662f\u4e00\u4e2a\u6280\u672f\u6027\u4f1a\u8ba1\u95ee\u9898\uff0c\u66f4\u662f\u4e00\u4e2a\u6218\u7565\u7ba1\u7406\u95ee\u9898\u3002\u5982\u679c\u5904\u7406\u4e0d\u5f53\uff0c\u4f01\u4e1a\u5f88\u5bb9\u6613\u9677\u5165\u8d22\u52a1\u8d1f\u62c5\u52a0\u91cd\u3001\u7a0e\u52a1\u8d1f\u62c5\u52a0\u91cd\u7684\u5883\u5730\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u652f\u51fa\u7684\u6838\u7b97\u548c\u7ba1\u7406\u9762\u4e34\u7684\u6311\u6218\u8868\u660e\uff0c\u4ec5\u4ec5\u9075\u5b88\u6cd5\u89c4\u4e0d\u8db3\u4ee5\u786e\u4fdd\u4f01\u4e1a\u8d22\u52a1\u5b89\u5168\u3002\u4e2d\u5c0f\u4f01\u4e1a\u9700\u8981\u79ef\u6781\u4e3b\u52a8\u7684\u6218\u7565\u6027\u89e3\u51b3\u65b9\u6848\u6765\u4f18\u5316\u6210\u672c\u3001\u964d\u4f4e\u98ce\u9669\u5e76\u5145\u5206\u5229\u7528\u73b0\u6709\u7684\u652f\u6301\u653f\u7b56\u3002<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Giai_phap_toi_uu_chi_phi_lai_vay_SME\"><\/span><b>\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c\u6700\u4f18\u89e3<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4e3a\u4e86\u6709\u6548\u7ba1\u7406\u5e76\u964d\u4f4e\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c\u98ce\u9669\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u9700\u8981\u79ef\u6781\u5e94\u7528\u591a\u79cd\u6218\u7565\u89e3\u51b3\u65b9\u6848\uff0c\u65e2\u8981\u786e\u4fdd\u5408\u89c4\uff0c\u53c8\u8981\u4f18\u5316\u8d22\u52a1\u6210\u672c\u3002\u4e00\u4e9b\u5207\u5b9e\u53ef\u884c\u7684\u89e3\u51b3\u65b9\u6848\u5305\u62ec\uff1a<\/span><\/p>\n<figure id=\"attachment_2009\" aria-describedby=\"caption-attachment-2009\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2009\" src=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1.jpg\" alt=\"Gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u chi ph\u00ed l\u00e3i vay SME\" width=\"1200\" height=\"800\" srcset=\"https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1.jpg 1200w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1-300x200.jpg 300w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1-1024x683.jpg 1024w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1-768x512.jpg 768w, https:\/\/giaodichlienket.man.net.vn\/wp-content\/uploads\/2025\/09\/Giai-phap-toi-uu-chi-phi-lai-vay-SME-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-2009\" class=\"wp-caption-text\">\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u5229\u606f\u6210\u672c\u6700\u4f18\u89e3<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u91cd\u7ec4\u8d44\u91d1\u6765\u6e90\uff0c\u7ba1\u7406\u8d22\u52a1\u6760\u6746\uff1a\u4e2d\u5c0f\u4f01\u4e1a\u5e94\u5408\u7406\u5e73\u8861\u80a1\u6743\u4e0e\u503a\u52a1\u3002\u8fc7\u5ea6\u4f9d\u8d56\u503a\u52a1\u4f1a\u5bfc\u81f4\u5229\u606f\u652f\u51fa\u6fc0\u589e\uff0c\u5e76\u5bb9\u6613\u8d85\u8fc730% EBITDA\u63a7\u5236\u6c34\u5e73\u3002\u8d22\u52a1\u4e13\u5bb6\u5efa\u8bae\u4e2d\u5c0f\u4f01\u4e1a\u4fdd\u6301\u5b89\u5168\u7684\u503a\u52a1\u4e0e\u80a1\u6743\u6bd4\u7387\uff0c\u4ee5\u51cf\u8f7b\u6210\u672c\u538b\u529b\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u62d3\u5bbd\u878d\u8d44\u6e20\u9053\uff1a\u4e2d\u5c0f\u4f01\u4e1a\u53ef\u4ee5\u79ef\u6781\u5229\u7528\u56fd\u5bb6\u4e2d\u5c0f\u4f01\u4e1a\u6276\u6301\u8d44\u91d1\u3001\u4f18\u60e0\u4fe1\u8d37\u9879\u76ee\uff0c\u6216\u6309\u89c4\u5b9a\u53d1\u884c\u4f01\u4e1a\u503a\u5238\u7b49\u65b9\u5f0f\uff0c\u964d\u4f4e\u878d\u8d44\u6210\u672c\uff0c\u964d\u4f4e\u878d\u8d44\u98ce\u9669\uff0c\u800c\u4e0d\u662f\u5355\u7eaf\u4f9d\u8d56\u94f6\u884c\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5229\u7528\u7a0e\u6536\u652f\u6301\u653f\u7b56\u548c\u8fc7\u6e21\u673a\u5236\uff1a\u4e2d\u5c0f\u4f01\u4e1a\u9700\u8981\u4e86\u89e3\u7b2c68\/2020\/ND-CP\u53f7\u6cd5\u4ee4\u7684\u89c4\u5b9a\uff0c\u8be5\u6cd5\u4ee4\u5141\u8bb8\u5c06\u8d85\u8fc7\u4e0a\u9650\u7684\u5229\u606f\u652f\u51fa\u7ed3\u8f6c\u5230\u4e0b\u4e00\u4e2a\u7eb3\u7a0e\u671f\u3002\u8fd9\u662f\u4e00\u4e2a\u5408\u6cd5\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u6709\u52a9\u4e8e\u4f01\u4e1a\u5728\u77ed\u671f\u5185\u51cf\u8f7b\u7a0e\u6536\u538b\u529b\uff0c\u5e76\u66f4\u5408\u7406\u5730\u5206\u914d\u6210\u672c\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4f18\u5316\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\u4e0d\u662f\u5077\u5de5\u51cf\u6599\uff0c\u800c\u662f\u8981\u7ed3\u5408\u8d44\u91d1\u7b56\u7565\u3001\u7ba1\u7406\u5de5\u5177\u548c\u653f\u7b56\u652f\u6301\uff0c\u5b9e\u73b0\u667a\u6167\u8d22\u52a1\u7ba1\u7406\u3002<\/span><\/p>\n<p><span style=\"font-weight: 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400;\">\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u652f\u51fa\u5df2\u4e0d\u518d\u4ec5\u4ec5\u662f\u4e00\u9879\u4f1a\u8ba1\u804c\u80fd\uff0c\u800c\u662f\u4e00\u9879\u6218\u7565\u4efb\u52a1\u3002\u61c2\u5f97\u6709\u6548\u7ba1\u7406\u5229\u606f\u652f\u51fa\u7684\u4e2d\u5c0f\u4f01\u4e1a\uff0c\u5c06\u786e\u4fdd\u4f01\u4e1a\u5408\u89c4\u7ecf\u8425\uff0c\u4f18\u5316\u8d44\u672c\u8d44\u6e90\uff0c\u63d0\u5347\u7ade\u4e89\u529b\uff0c\u5b9e\u73b0\u53ef\u6301\u7eed\u53d1\u5c55\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e3a\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\uff0c\u4f01\u4e1a\u9700\u8981\u5c06\u5408\u7406\u7684\u8d44\u672c\u7ed3\u6784\u3001\u591a\u5143\u5316\u7684\u8d44\u91d1\u6765\u6e90\u3001\u5229\u7528\u5229\u606f\u6210\u672c\u8f6c\u79fb\u673a\u5236\u3001\u8fd0\u7528\u8d22\u52a1\u7ba1\u7406\u79d1\u6280\u3001\u54a8\u8be2\u7a0e\u52a1\u987e\u95ee\u7b49\u591a\u79cd\u65b9\u6848\u540c\u6b65\u7ed3\u5408\uff0c\u4e0d\u4ec5\u80fd\u5e2e\u52a9\u4f01\u4e1a\u6700\u5927\u7a0b\u5ea6\u5730\u964d\u4f4e\u7a0e\u52a1\u7ed3\u7b97\u8fc7\u7a0b\u4e2d\u7684\u6210\u672c\u6392\u9664\u98ce\u9669\uff0c\u8fd8\u80fd\u957f\u671f\u63d0\u5347\u8d44\u91d1\u4f7f\u7528\u6548\u7387\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e86\u89e3\u548c\u7ba1\u7406\u597d\u4e2d\u5c0f\u4f01\u4e1a\u5229\u606f\u6210\u672c\uff0c\u4e0d\u4ec5\u662f\u4f18\u5316\u6210\u672c\u7684\u5173\u952e\uff0c\u4e5f\u662f\u4e3a\u4f01\u4e1a\u672a\u6765\u6784\u5efa\u900f\u660e\u3001\u5b89\u5168\u7684\u8d22\u52a1\u6218\u7565\u7684\u57fa\u7840\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f01\u4e1a\u5728\u4f1a\u8ba1\u65b9\u9762\u9047\u5230\u56f0\u96be\uff0c <a href=\"https:\/\/giaodichlienket.man.net.vn\/zh\/tong-quan-giao-dich-lien-ket-2025\/\">\u8054\u76df\u4ea4\u6613<\/a> \u5e76\u63a7\u5236\u6216\u4f18\u5316\u4e2d\u5c0f\u4f01\u4e1a\u7684\u5229\u606f\u6210\u672c\u3002\u51ed\u501f\u4e30\u5bcc\u7684\u5b9e\u8df5\u7ecf\u9a8c\u548c\u6df1\u539a\u7684\u6cd5\u5f8b\u77e5\u8bc6\uff0cMAN \u2013 \u4f1a\u8ba1\u5e08\u4e8b\u52a1\u6240\u7f51\u7edc\u968f\u65f6\u51c6\u5907\u534f\u52a9\u4f01\u4e1a\u5236\u5b9a\u6709\u6548\u7684\u8d44\u672c\u6218\u7565\uff0c\u6700\u5927\u9650\u5ea6\u5730\u964d\u4f4e\u7a0e\u52a1\u98ce\u9669\uff0c\u5e76\u6700\u5927\u5316\u8d22\u52a1\u6536\u76ca\u3002<\/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 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=\"nofollow noopener\">\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 ng\u00e0y c\u00e0ng c\u1ea1nh tranh, doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SME) th\u01b0\u1eddng ph\u1ea3i d\u1ef1a nhi\u1ec1u v\u00e0o ngu\u1ed3n v\u1ed1n vay \u0111\u1ec3 duy tr\u00ec d\u00f2ng ti\u1ec1n v\u00e0 \u0111\u1ea7u t\u01b0 m\u1edf r\u1ed9ng. Ch\u00ednh v\u00ec v\u1eady, chi ph\u00ed l\u00e3i vay SME tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 quan tr\u1ecdng trong chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh, kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39,8],"tags":[],"class_list":["post-1717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-doanh-nghiep-vua-va-nho","category-nganh-doi-tuong-ap-dung"],"acf":[],"_links":{"self":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1717","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=1717"}],"version-history":[{"count":8,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1717\/revisions"}],"predecessor-version":[{"id":3053,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/posts\/1717\/revisions\/3053"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/media\/2012"}],"wp:attachment":[{"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/media?parent=1717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/categories?post=1717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/giaodichlienket.man.net.vn\/zh\/wp-json\/wp\/v2\/tags?post=1717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}