{"id":24384,"date":"2023-08-22T17:05:00","date_gmt":"2023-08-22T10:05:00","guid":{"rendered":"https:\/\/www.prnasia.com\/asia-story\/archive\/4187664_VI87664_11"},"modified":"2023-08-22T23:58:45","modified_gmt":"2023-08-22T16:58:45","slug":"trong-boi-canh-lam-phat-nhung-lo-ngai-ve-suy-thoai-kinh-te-van-con-ton-tai-trong-khoi-asean-nhung-viec-su-dung-cac-kenh-thanh-toan-va-ngan-hang-so-da-the-hien-xu-huong-tich-cuc-dua-tren-nghien-cuu-ta","status":"publish","type":"post","link":"https:\/\/saigonbiz.com\/vn\/trong-boi-canh-lam-phat-nhung-lo-ngai-ve-suy-thoai-kinh-te-van-con-ton-tai-trong-khoi-asean-nhung-viec-su-dung-cac-kenh-thanh-toan-va-ngan-hang-so-da-the-hien-xu-huong-tich-cuc-dua-tren-nghien-cuu-ta\/","title":{"rendered":"Trong b\u1ed1i c\u1ea3nh l\u1ea1m ph\u00e1t, nh\u1eefng lo ng\u1ea1i v\u1ec1 suy tho\u00e1i kinh t\u1ebf v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i trong kh\u1ed1i ASEAN nh\u01b0ng vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c k\u00eanh thanh to\u00e1n v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u00e3 th\u1ec3 hi\u1ec7n xu h\u01b0\u1edbng t\u00edch c\u1ef1c d\u1ef1a tr\u00ean Nghi\u00ean c\u1ee9u T\u00e2m l\u00fd Ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1edbi nh\u1ea5t c\u1ee7a Ng\u00e2n h\u00e0ng UOB."},"content":{"rendered":"\n\n\n
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SINGAPORE<\/span>, 22\/08\/2023<\/span> \/PRNewswire\/ — Theo Nghi\u00ean c\u1ee9u T\u00e2m l\u00fd Ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN (ACSS) 2023 h\u00e0ng \u0111\u1ea7u c\u1ee7a UOB, t\u00ecnh tr\u1ea1ng l\u1ea1m ph\u00e1t v\u00e0 chi ph\u00ed gia t\u0103ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean m\u1ed1i lo ng\u1ea1i v\u1ec1 suy tho\u00e1i kinh t\u1ebf \u1edf ASEAN, trong khi vi\u1ec7c \u00e1p d\u1ee5ng v\u00e0 s\u1eed d\u1ee5ng c\u00e1c k\u00eanh thanh to\u00e1n v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u00e3 ghi nh\u1eadn m\u1ee9c t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3.<\/p>\n

H\u01a1n 70% s\u1ed1 ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t ACSS 2023 c\u1ee7a UOB d\u1ef1 \u0111o\u00e1n r\u1eb1ng \u0111\u1ea5t n\u01b0\u1edbc c\u1ee7a h\u1ecd s\u1ebd tr\u1ea3i qua m\u1ed9t cu\u1ed9c suy tho\u00e1i kinh t\u1ebf trong n\u0103m t\u1edbi[1]<\/sup>, \u0111\u1eb7t g\u00e1nh n\u1eb7ng l\u00ean tri\u1ec3n v\u1ecdng ph\u1ee5c h\u1ed3i kinh t\u1ebf do t\u00e2m l\u00fd ch\u00e1n n\u1ea3n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn gi\u1eef nguy\u00ean m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i so v\u1edbi n\u0103m tr\u01b0\u1edbc. Nghi\u00ean c\u1ee9u c\u0169ng ti\u1ebft l\u1ed9 nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c ng\u00e2n h\u00e0ng s\u1ed1 nh\u01b0 \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng, c\u0169ng nh\u01b0 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n m\u1edbi h\u01a1n nh\u01b0 thanh to\u00e1n qua v\u00ed \u0111i\u1ec7n t\u1eed\/qu\u00e9t m\u00e3 QR, n\u1ec1n t\u1ea3ng thanh to\u00e1n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng tr\u00ean v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n

V\u00e0o n\u0103m th\u1ee9 t\u01b0 ti\u1ebfn h\u00e0nh ACSS c\u1ee7a UOB, nghi\u00ean c\u1ee9u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb ng\u00e0y 1 \u0111\u1ebfn ng\u00e0y 26 th\u00e1ng 6 n\u0103m 2023 v\u00e0 \u0111\u00e3 kh\u1ea3o s\u00e1t tr\u1ef1c tuy\u1ebfn 3.400 ng\u01b0\u1eddi tham gia t\u1eeb Singapore<\/span>, Indonesia<\/span>, Malaysia<\/span>, Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam. \u0110\u00e2y c\u0169ng l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean Ng\u00e2n h\u00e0ng UOB h\u1ee3p t\u00e1c v\u1edbi c\u00f4ng ty t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd to\u00e0n c\u1ea7u Boston Consulting Group \u0111\u1ec3 ti\u1ebfn h\u00e0nh th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u n\u00e0y.<\/p>\n

B\u00e0 Jacquelyn Tan<\/span>, Gi\u00e1m \u0111\u1ed1c D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n T\u1eadp \u0111o\u00e0n c\u1ee7a UOB cho bi\u1ebft: “Trong khi ACSS 2023 c\u1ee7a UOB cho th\u1ea5y ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN c\u1ea9n tr\u1ecdng c\u1ea3nh gi\u00e1c v\u1edbi t\u00ecnh tr\u1ea1ng l\u1ea1m ph\u00e1t cao t\u1ea1i Singapore<\/span> v\u00e0 c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n kh\u00e1c, ch\u00fang t\u00f4i r\u1ea5t vui m\u1eebng khi th\u1ea5y r\u1eb1ng s\u1ef1 nhi\u1ec7t t\u00ecnh trong vi\u1ec7c th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh s\u1ed1 h\u00f3a v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp nh\u1eadn c\u00e1c xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 m\u1edbi v\u1eabn kh\u00f4ng h\u1ec1 gi\u1ea3m s\u00fat. UOB ACSS 2023 \u0111\u01b0\u1ee3c coi l\u00e0 th\u01b0\u1edbc \u0111o c\u1ea3m nh\u1eadn c\u1ee7a khu v\u1ef1c \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf c\u0169ng nh\u01b0 c\u00e1c l\u0129nh v\u1ef1c quan tr\u1ecdng nh\u01b0 chi ti\u00eau, h\u00e0nh vi t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7. Nghi\u00ean c\u1ee9u n\u00e0y cung c\u1ea5p nh\u1eefng th\u00f4ng tin qu\u00fd gi\u00e1 cho c\u1ea3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p, gi\u00fap h\u1ecd t\u1ef1 th\u00edch nghi v\u00e0 chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng \u0111\u1ec3 v\u01b0\u1ee3t qua t\u00ecnh h\u00ecnh kinh t\u1ebf b\u1ea5t \u1ed5n hi\u1ec7n nay.<\/p>\n

V\u1edbi c\u01b0\u01a1ng v\u1ecb l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ch\u00fang t\u00f4i s\u1ebd t\u1eadn d\u1ee5ng nh\u1eefng xu h\u01b0\u1edbng v\u00e0 hi\u1ec3u bi\u1ebft s\u00e2u r\u1ed9ng \u0111\u01b0\u1ee3c nh\u1ea5n m\u1ea1nh trong nghi\u00ean c\u1ee9u v\u1ec1 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, ti\u1ebft ki\u1ec7m, h\u00e0nh vi t\u00e0i ch\u00ednh v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 hay s\u1edf th\u00edch \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh tr\u00ean to\u00e0n khu v\u1ef1c. Th\u00f4ng qua \u0111i\u1ec1u n\u00e0y, ch\u00fang t\u00f4i c\u1ed1 g\u1eafng \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u c\u1ee7a h\u1ecd, t\u0103ng c\u01b0\u1eddng n\u1ed7 l\u1ef1c \u0111\u1ec3 tham gia v\u00e0 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng trong vi\u1ec7c th\u00edch nghi v\u1edbi b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng v\u00e0 s\u1ed1 h\u00f3a m\u1edbi, \u0111\u1ed3ng th\u1eddi n\u1eafm b\u1eaft nh\u1eefng c\u01a1 h\u1ed9i tr\u01b0\u1edbc t\u00ecnh h\u00ecnh kinh t\u1ebf hi\u1ec7n nay \u0111\u1ec3 th\u00fac \u0111\u1ea9y tham v\u1ecdng t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd”.<\/p>\n

Tri\u1ec3n v\u1ecdng ph\u1ee5c h\u1ed3i kinh t\u1ebf v\u1eabn c\u00f3 ph\u1ea7n l\u1ea1c quan m\u1eb7c d\u00f9 b\u1ecb th\u1eaft ch\u1eb7t b\u1edfi l\u1ea1m ph\u00e1t<\/b><\/p>\n

L\u1ea1m ph\u00e1t gia t\u0103ng hi\u1ec7n \u0111ang l\u00e0 ch\u1ee7 \u0111\u1ec1 thu h\u00fat r\u1ea5t nhi\u1ec1u s\u1ef1 quan t\u00e2m trong khu v\u1ef1c ASEAN khi c\u00f3 t\u1edbi 63% ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t b\u00e0y t\u1ecf lo ng\u1ea1i v\u1ec1 t\u00ecnh h\u00ecnh n\u00e0y, \u0111\u1ed3ng th\u1eddi 57% ng\u01b0\u1eddi tham gia c\u0169ng lo l\u1eafng v\u1ec1 chi ph\u00ed h\u1ed9 gia \u0111\u00ecnh t\u0103ng l\u00ean. Ng\u01b0\u1eddi d\u00e2n Singapore<\/span> \u0111ang quan t\u00e2m \u0111\u1eb7c bi\u1ec7t \u0111\u1ebfn hai v\u1ea5n \u0111\u1ec1 n\u00e0y, v\u1edbi t\u1ef7 l\u1ec7 l\u1ea7n l\u01b0\u1ee3t l\u00e0 71% cho v\u1ea5n \u0111\u1ec1 l\u1ea1m ph\u00e1t gia t\u0103ng v\u00e0 64% v\u1ec1 vi\u1ec7c t\u0103ng chi ph\u00ed cho h\u1ed9 gia \u0111\u00ecnh. Ba m\u1ed1i quan t\u00e2m t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u trong khu v\u1ef1c bao g\u1ed3m kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m ti\u1ec1n (37%), kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u00e1c m\u1eb7t h\u00e0ng thi\u1ebft y\u1ebfu (31%) v\u00e0 kh\u1ea3 n\u0103ng duy tr\u00ec l\u1ed1i s\u1ed1ng hi\u1ec7n t\u1ea1i (28%). H\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch (42%) v\u00e0 h\u00e0ng t\u1ea1p h\u00f3a gia d\u1ee5ng (34%) \u0111\u1ee9ng \u0111\u1ea7u danh s\u00e1ch c\u00e1c m\u1eb7t h\u00e0ng m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng chi ti\u00eau nhi\u1ec1u nh\u1ea5t, ti\u1ebfp \u0111\u1ebfn l\u00e0 \u0111\u1ed3 \u0103n giao t\u1eadn nh\u00e0\/mang v\u1ec1 v\u00e0 chi ph\u00ed gi\u00e1o d\u1ee5c tr\u1ebb em \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba (31%). \u0110\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n chi ti\u00eau t\u00f9y \u00fd, ph\u1ea7n l\u1edbn ng\u01b0\u1eddi ti\u00eau d\u00f9ng quy\u1ebft \u0111\u1ecbnh c\u1eaft gi\u1ea3m c\u00e1c kho\u1ea3n chi cho trang s\u1ee9c (38%) v\u00e0 \u0103n u\u1ed1ng (34%), sau \u0111\u00f3 \u0111\u1ebfn \u0111\u1ed3 gia d\u1ee5ng v\u00e0 n\u1ed9i th\u1ea5t (32%).<\/p>\n

\u0110i\u1ec1u \u0111\u00f3 ch\u1ee9ng t\u1ecf r\u1eb1ng, tinh th\u1ea7n l\u1ea1c quan s\u1ebd c\u00f3 chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c khi c\u1ee9 n\u0103m ng\u01b0\u1eddi th\u00ec c\u00f3 ba ng\u01b0\u1eddi trong khu v\u1ef1c n\u00e0y k\u1ef3 v\u1ecdng m\u00ecnh s\u1ebd c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n v\u00e0o th\u00e1ng 6 n\u0103m sau, d\u1eabn \u0111\u1ea7u l\u00e0 Vi\u1ec7t Nam (76%), ti\u1ebfp theo l\u00e0 Indonesia<\/span> (74%) v\u00e0 Th\u00e1i Lan (68%). \u0110i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n gi\u1ed1ng v\u1edbi d\u1ef1 \u0111o\u00e1n c\u1ee7a UOB v\u1ec1 n\u1eeda cu\u1ed1i n\u0103m 2023, t\u00e2m l\u00fd \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n khi l\u00e3i su\u1ea5t khu v\u1ef1c v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf \u1ed5n \u0111\u1ecbnh.<\/p>\n

T\u1ea1i Singapore<\/span>, hai t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh \u0111\u00e1ng lo ng\u1ea1i nh\u1ea5t l\u00e0 kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m ti\u1ec1n (42%) v\u00e0 kh\u1ea3 n\u0103ng l\u00ean k\u1ebf ho\u1ea1ch tr\u01b0\u1edbc cho vi\u1ec7c ngh\u1ec9 h\u01b0u (37%), v\u1edbi kh\u1ea3 n\u0103ng mua c\u00e1c m\u1eb7t h\u00e0ng thi\u1ebft y\u1ebfu v\u00e0 kh\u1ea3 n\u0103ng duy tr\u00ec l\u1ed1i s\u1ed1ng hi\u1ec7n t\u1ea1i \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba (31%). 43% ng\u01b0\u1eddi ti\u00eau d\u00f9ng tham gia kh\u1ea3o s\u00e1t cho bi\u1ebft h\u1ecd \u0111\u00e3 chi nhi\u1ec1u h\u01a1n cho h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch trong n\u0103m qua. Trong khi \u0111\u00f3, 34% ng\u01b0\u1eddi cho bi\u1ebft chi ph\u00ed mua s\u1eafm h\u00e0ng t\u1ea1p h\u00f3a trong gia \u0111\u00ecnh gia t\u0103ng v\u00e0 32% \u0111\u00e3 chi nhi\u1ec1u h\u01a1n cho vi\u1ec7c di chuy\u1ec3n h\u00e0ng ng\u00e0y. H\u01a1n 1\/4 ng\u01b0\u1eddi d\u00e2n Singapore<\/span> c\u0169ng cho bi\u1ebft m\u1ee9c chi ti\u00eau c\u1ee7a h\u1ecd \u0111\u00e3 t\u0103ng 6% so v\u1edbi n\u0103m tr\u01b0\u1edbc. Do \u0111\u00f3, 23% ng\u01b0\u1eddi ti\u00eau d\u00f9ng tuy\u00ean b\u1ed1 r\u1eb1ng h\u1ecd \u0111ang gi\u1ea3m s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111i. 48% Th\u1ebf h\u1ec7 Z[2]<\/sup> \u0111\u01b0\u1ee3c coi l\u00e0 nh\u00f3m d\u00e2n s\u1ed1 c\u00f3 quan \u0111i\u1ec3m b\u1ea3o th\u1ee7 nh\u1ea5t d\u1ef1 \u0111\u1ecbnh ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n trong n\u0103m nay so v\u1edbi m\u1ee9c trung b\u00ecnh qu\u1ed1c gia l\u00e0 35%. Trong khi \u0111\u00f3, 30% th\u1ebf h\u1ec7 Y[3]<\/sup> \u01b0u ti\u00ean \u0111\u1ea7u t\u01b0, s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng ti\u1ec1n v\u00e0o c\u00f4ng vi\u1ec7c so v\u1edbi trung b\u00ecnh qu\u1ed1c gia l\u00e0 24%.<\/p>\n

B\u1ea5t k\u1ec3 t\u00e2m l\u00fd ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi t\u00ecnh h\u00ecnh kinh t\u1ebf nh\u01b0 th\u1ebf n\u00e0o, UOB lu\u00f4n \u01b0u ti\u00ean t\u1ea7m nh\u00ecn d\u00e0i h\u1ea1n li\u00ean quan \u0111\u1ebfn k\u1ebf ho\u1ea1ch t\u00e0i s\u1ea3n, l\u1ea5y s\u1ef1 th\u1eadn tr\u1ecdng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro l\u00e0m n\u1ec1n t\u1ea3ng ch\u00ednh. T\u00f9y theo t\u1eebng th\u1eddi \u0111i\u1ec3m c\u1ee7a chu k\u1ef3 kinh t\u1ebf, UOB s\u1ebd t\u01b0 v\u1ea5n gi\u00fap kh\u00e1ch h\u00e0ng thi\u1ebft l\u1eadp m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh h\u1ee3p l\u00fd, \u0111\u00e1p \u1ee9ng c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft, \u0111\u1ea3m b\u1ea3o v\u00e0 x\u00e2y d\u1ef1ng l\u1ee3i \u00edch kinh t\u1ebf c\u1ee7a h\u1ecd. V\u00ed d\u1ee5, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u1ebb c\u1ea7n th\u1ef1c hi\u1ec7n nh\u1eefng b\u01b0\u1edbc ti\u1ebfn nh\u1ecf m\u00e0 ki\u00ean \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, t\u00edch lu\u1ef9 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u1ed3ng th\u1eddi thu l\u1ee3i t\u1eeb vi\u1ec7c \u0111\u1ea7u t\u01b0 s\u1edbm. M\u1ed9t c\u00e1ch kh\u00e1c \u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111i\u1ec1u n\u00e0y l\u00e0 s\u1eed d\u1ee5ng UOB SimpleInvest, m\u1ed9t n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean m\u1ee5c ti\u00eau v\u00e0 kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ec1n t\u1ea3ng n\u00e0y cung c\u1ea5p b\u1ed1n gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u00edch c\u1ef1c, hai trong s\u1ed1 \u0111\u00f3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp d\u1ef1a tr\u00ean nh\u1eefng hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc t\u1eeb Gi\u00e1m \u0111\u1ed1c V\u0103n ph\u00f2ng \u0110\u1ea7u t\u01b0 c\u1ee7a Ng\u00e2n h\u00e0ng T\u01b0 nh\u00e2n UOB. V\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p v\u00e0 s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng ph\u1ee5c v\u1ee5 cho c\u00e1c giai \u0111o\u1ea1n kh\u00e1c nhau trong cu\u1ed9c s\u1ed1ng, UOB mang \u0111\u1ebfn nh\u1eefng \u0111\u1ec1 xu\u1ea5t t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p cho m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng nh\u00e2n kh\u1ea9u h\u1ecdc, \u0111\u1ea3m b\u1ea3o \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd.<\/p>\n

T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a c\u00e1c k\u00eanh thanh to\u00e1n v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1<\/b><\/p>\n

Ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong kh\u1ed1i ASEAN s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd v\u00e0 d\u1ec5 d\u00e0ng th\u00edch nghi c\u00e1c c\u00f4ng ngh\u1ec7 nh\u01b0 n\u1ec1n t\u1ea3ng t\u00edch h\u1ee3p d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. G\u1ea7n 55% s\u1ed1 ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t \u0111\u00e3 t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng trong n\u0103m qua, trong \u0111\u00f3 ng\u00e2n h\u00e0ng Internet th\u00f4ng qua tr\u00ecnh duy\u1ec7t web \u0111\u1ee9ng th\u1ee9 hai v\u1edbi 35% ng\u01b0\u1eddi s\u1eed d\u1ee5ng. Ngo\u00e0i ra, c\u00e1c n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u t\u00e0i ch\u00ednh h\u1ee3p nh\u1ea5t c\u00f3 m\u1ee9c s\u1eed d\u1ee5ng t\u0103ng 20% tr\u00ean to\u00e0n khu v\u1ef1c. Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam l\u00e0 nh\u1eefng qu\u1ed1c gia h\u01b0\u1edfng \u1ee9ng nhi\u1ec7t t\u00ecnh nh\u1ea5t trong khu v\u1ef1c, trong khi \u1edf Singapore<\/span>, 1\/5 th\u1ebf h\u1ec7 Y \u0111\u00e3 t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 SGFinDex, n\u1ec1n t\u1ea3ng cung c\u1ea5p c\u00e1i nh\u00ecn t\u1ed5ng h\u1ee3p v\u1ec1 th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Kh\u00e1ch h\u00e0ng c\u1ee7a UOB kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ec3 truy c\u1eadp SGFinDex th\u00f4ng qua \u1ee9ng d\u1ee5ng UOB TMRW, Ng\u00e2n h\u00e0ng c\u00f2n l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean t\u00edch h\u1ee3p n\u1ec1n t\u1ea3ng n\u00e0y v\u1edbi C\u00f4ng c\u1ee5 t\u01b0 v\u1ea5n danh m\u1ee5c \u0111\u1ea7u t\u01b0, cho ph\u00e9p chuy\u00ean vi\u00ean ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng gi\u00e1m s\u00e1t, qu\u1ea3n l\u00fd v\u00e0 t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n

M\u1ed9t \u0111i\u1ec3m d\u1eef li\u1ec7u \u0111\u00e1ng ch\u00fa \u00fd kh\u00e1c l\u00e0 c\u00e1c chi nh\u00e1nh ng\u00e2n h\u00e0ng \u0111\u00e3 nh\u1eadn th\u1ea5y m\u1ee9c s\u1eed d\u1ee5ng t\u0103ng 17% tr\u00ean to\u00e0n khu v\u1ef1c. \u0110\u00e2y l\u00e0 m\u1ed9t d\u1ea5u hi\u1ec7u cho th\u1ea5y ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn coi tr\u1ecdng t\u01b0\u01a1ng t\u00e1c tr\u1ef1c ti\u1ebfp nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng \u00e1n b\u1ed5 sung cho v\u00f4 s\u1ed1 k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 hi\u1ec7n h\u00e0nh. T\u1ea1i Singapore<\/span>, ph\u1ea7n l\u1edbn ng\u01b0\u1eddi d\u00f9ng th\u00edch s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 cho c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01a1n gi\u1ea3n nh\u01b0 \u0111\u0103ng k\u00fd th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 c\u0169ng nh\u01b0 ki\u1ec3m tra tr\u1ea1ng th\u00e1i ph\u1ea7n th\u01b0\u1edfng, nh\u01b0ng l\u1ea1i th\u00edch l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp ho\u1eb7c k\u1ebft h\u1ee3p nhi\u1ec1u k\u00eanh cho c\u00e1c giao d\u1ecbch ph\u1ee9c t\u1ea1p h\u01a1n nh\u01b0 giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb cao, \u0111\u0103ng k\u00fd v\u00e0 t\u00e1i c\u1ea5p t\u00e0i ch\u00ednh c\u00e1c kho\u1ea3n vay ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 mua b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi c\u00e1ch ti\u1ebfp c\u1eadn \u0111a k\u00eanh c\u1ee7a UOB[4]<\/sup>, qua \u0111\u00f3 Ng\u00e2n h\u00e0ng cung c\u1ea5p m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u00e1c t\u1eeb tr\u1ef1c tuy\u1ebfn \u0111\u1ebfn tr\u1ef1c ti\u1ebfp li\u1ec1n m\u1ea1ch v\u1edbi kh\u00e1ch h\u00e0ng. Hi\u1ec7u qu\u1ea3 c\u1ee7a \u0111a k\u00eanh \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 khi nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y g\u1eafn k\u1ebft v\u1edbi Ng\u00e2n h\u00e0ng nhi\u1ec1u nh\u1ea5t, n\u1eafm gi\u1eef v\u00e0 giao d\u1ecbch nhi\u1ec1u h\u01a1n t\u1edbi 20 l\u1ea7n so v\u1edbi kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng[5]<\/sup>.<\/p>\n

Trong l\u0129nh v\u1ef1c thanh to\u00e1n, ng\u01b0\u1eddi d\u00f9ng t\u1ea1i khu v\u1ef1c ASEAN \u0111\u00e3 th\u1ec3 hi\u1ec7n b\u1ea3n th\u00e2n l\u00e0 nh\u1eefng c\u00e1 nh\u00e2n hi\u1ec3u bi\u1ebft trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u1ea5t. Thanh to\u00e1n b\u1eb1ng v\u00ed \u0111i\u1ec7n t\u1eed\/qu\u00e9t m\u00e3 QR \u0111\u1ee9ng \u0111\u1ea7u trong c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u1ea1i khu v\u1ef1c v\u1edbi 56% ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t s\u1eed d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c n\u00e0y trong n\u0103m qua. N\u1ec1n t\u1ea3ng thanh to\u00e1n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u0111\u1ee9ng th\u1ee9 hai v\u1edbi 49%, trong khi th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c th\u1ebb ghi n\u1ee3 tr\u00ean v\u00ed di \u0111\u1ed9ng \u0111\u1ee9ng th\u1ee9 ba v\u1edbi 48%. Ph\u01b0\u01a1ng th\u1ee9c th\u1ee9 hai l\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng mu\u1ed1n th\u1eed nh\u1ea5t v\u1edbi 22% b\u00e0y t\u1ecf mong mu\u1ed1n th\u1ef1c hi\u1ec7n \u0111i\u1ec1u n\u00e0y trong n\u0103m t\u1edbi.<\/p>\n

T\u1ea1i Singapore<\/span>, ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn \u01b0a chu\u1ed9ng thanh to\u00e1n qua n\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng h\u01a1n l\u00e0 b\u00ean th\u1ee9 ba, trong \u0111\u00f3 th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 v\u1eadt l\u00fd l\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u01b0a th\u00edch h\u00e0ng \u0111\u1ea7u v\u1edbi 62%. Th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 tr\u00ean v\u00ed di \u0111\u1ed9ng v\u00e0 d\u1ecbch v\u1ee5 thanh to\u00e1n ngang h\u00e0ng c\u00f9ng x\u1ebfp th\u1ee9 h\u1ea1ng s\u1ed1 hai v\u1edbi 50%. Gi\u1ed1ng nh\u01b0 c\u00e1c \u0111\u1ed1i t\u00e1c trong khu v\u1ef1c, ng\u01b0\u1eddi d\u00e2n Singapore<\/span> l\u00e0 nh\u1eefng ng\u01b0\u1eddi h\u1ee9ng th\u00fa nh\u1ea5t khi th\u1eed thanh to\u00e1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c th\u1ebb ghi n\u1ee3 qu\u00e1 v\u00ed di \u0111\u1ed9ng trong n\u0103m t\u1edbi v\u1edbi 20% ph\u1ea3n h\u1ed3i r\u1eb1ng h\u1ecd s\u1ebd s\u1eed d\u1ee5ng th\u1eed.<\/p>\n

V\u1edbi quy m\u00f4 l\u1edbn nh\u1ea5t t\u1ea1i khu v\u1ef1c ASEAN, UOB c\u00f3 v\u1ecb th\u1ebf thu\u1eadn l\u1ee3i \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u xuy\u00ean bi\u00ean gi\u1edbi c\u1ee7a kh\u00e1ch h\u00e0ng trong khu v\u1ef1c. \u0110\u1ec1 xu\u1ea5t v\u1ec1 th\u1ebb khu v\u1ef1c \u0111\u1ed9c \u0111\u00e1o c\u1ee7a UOB, trong \u0111\u00f3 t\u1ea5t c\u1ea3 ch\u1ee7 th\u1ebb \u0111\u1ec1u \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c ph\u1ea7n th\u01b0\u1edfng v\u00e0 \u0111\u1eb7c quy\u1ec1n nh\u01b0 nhau t\u1ea1i c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb \u0111\u1ed1i t\u00e1c tr\u00ean kh\u1eafp khu v\u1ef1c ASEAN, c\u00f9ng vi\u1ec7c Ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n v\u00e0 chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi t\u1edbi c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u1ecdng \u0111i\u1ec3m nh\u01b0 Malaysia<\/span> v\u00e0 Th\u00e1i Lan, \u0111\u00e3 th\u00fac \u0111\u1ea9y UOB ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n v\u00e0 tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong khu v\u1ef1c tin d\u00f9ng. S\u1ef1 tham gia c\u1ee7a UOB v\u00e0o c\u00e1c li\u00ean k\u1ebft thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi do ch\u00ednh ph\u1ee7 ch\u1ec9 \u0111\u1ea1o n\u00e0y c\u0169ng s\u1ebd c\u1ee7ng c\u1ed1 s\u1ef1 chia s\u1ebb t\u01b0 duy v\u00e0 s\u1ef1 \u0111\u00f3n nh\u1eadn \u0111\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng t\u1ea1i khu v\u1ef1c ASEAN, b\u00ean c\u1ea1nh vi\u1ec7c mang l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch h\u01a1n cho kh\u00e1ch h\u00e0ng tr\u00ean to\u00e0n khu v\u1ef1c.<\/p>\n

C\u00e1 nh\u00e2n h\u00f3a trong d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/p>\n

Ph\u1ea7n l\u1edbn ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN s\u1eb5n s\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 \u1ee7ng h\u1ed9 vi\u1ec7c th\u00f4ng tin c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 qu\u1ea3n l\u00fd c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a theo nhu c\u1ea7u v\u00e0 mong mu\u1ed1n c\u1ee7a h\u1ecd. H\u01a1n 70% ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i khi chia s\u1ebb d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng h\u1ee3p nh\u1ea5t trong m\u1ed9t n\u1ec1n t\u1ea3ng, v\u1edbi 83% trong s\u1ed1 \u0111\u00f3 \u01b0a th\u00edch l\u00e0m \u0111i\u1ec1u n\u00e0y th\u00f4ng qua \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng h\u01a1n l\u00e0 th\u00f4ng c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u1ee9ng d\u1ee5ng kh\u00e1c nh\u01b0 \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed\/mua s\u1eafm v\u00e0 \u1ee9ng d\u1ee5ng \u0111a d\u1ecbch v\u1ee5. Trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t, h\u01a1n 90% b\u00e0y t\u1ecf mong mu\u1ed1n nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a trong \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng c\u1ee7a h\u1ecd. Nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00f3a m\u1ea1nh m\u1ebd c\u0169ng nh\u1ea5t qu\u00e1n \u1edf m\u1ecdi nh\u00f3m tu\u1ed5i, m\u1ee9c thu nh\u1eadp v\u00e0 gi\u1edbi t\u00ednh \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t.<\/p>\n

C\u00e1 nh\u00e2n h\u00f3a l\u00e0 tr\u1ee5 c\u1ed9t ch\u00ednh c\u1ee7a UOB. T\u1eeb c\u00e1c \u01b0u \u0111\u00e3i v\u00e0 ph\u1ea7n th\u01b0\u1edfng \u0111\u01b0\u1ee3c cung c\u1ea5p cho kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean giao d\u1ecbch mua tr\u01b0\u1edbc \u0111\u00e2y c\u1ee7a h\u1ecd \u0111\u1ebfn th\u1ebb th\u00f4ng tin chi ti\u1ebft \u0111\u01b0\u1ee3c g\u1eedi qua \u1ee9ng d\u1ee5ng UOB TMRW d\u1ef1a tr\u00ean h\u00e0nh vi chi ti\u00eau v\u00e0 l\u1eddi nh\u1eafc \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t khi s\u1eafp \u0111\u1ea1t ng\u01b0\u1ee1ng l\u00e3i su\u1ea5t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m cao h\u01a1n, UOB cam k\u1ebft th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 v\u1edbi h\u00e0ng b\u1eb1ng c\u00e1ch t\u00f4n vinh gi\u00e1 tr\u1ecb c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd.<\/p>\n

Gi\u1edbi thi\u1ec7u v\u1ec1 UOB<\/b><\/p>\n

UOB l\u00e0 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u Ch\u00e2u \u00c1. Ho\u1ea1t \u0111\u1ed9ng th\u00f4ng qua tr\u1ee5 s\u1edf ch\u00ednh t\u1ea1i Singapore<\/span> v\u00e0 c\u00e1c c\u00f4ng ty ng\u00e2n h\u00e0ng tr\u1ef1c thu\u1ed9c \u1edf Trung Qu\u1ed1c, Indonesia<\/span>, Malaysia<\/span>, Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam, UOB c\u00f3 m\u1ea1ng l\u01b0\u1edbi to\u00e0n c\u1ea7u v\u1edbi kho\u1ea3ng 500 v\u0103n ph\u00f2ng t\u1ea1i 19 qu\u1ed1c gia v\u00e0 v\u00f9ng l\u00e3nh th\u1ed5 \u1edf Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng, Ch\u00e2u \u00c2u v\u00e0 B\u1eafc M\u1ef9. K\u1ec3 t\u1eeb khi th\u00e0nh l\u1eadp v\u00e0o n\u0103m 1935, ng\u00e2n h\u00e0ng UOB \u0111\u00e3 ph\u00e1t tri\u1ec3n t\u01b0 th\u00e2n v\u00e0 th\u1ef1c hi\u1ec7n th\u00e0nh c\u00f4ng h\u00e0ng lo\u1ea1t th\u01b0\u01a1ng v\u1ee5 mua l\u1ea1i mang t\u00ednh chi\u1ebfn l\u01b0\u1ee3c. Ng\u00e0y nay, UOB \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi: X\u1ebfp h\u1ea1ng m\u1ee9c t\u00edn nhi\u1ec7m Aa1 theo D\u1ecbch v\u1ee5 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a Moody, m\u1ee9c AA- theo X\u1ebfp h\u1ea1ng to\u00e0n c\u1ea7u c\u1ee7a S&P v\u00e0 X\u1ebfp h\u1ea1ng Fitch.<\/p>\n

Trong g\u1ea7n ch\u00edn th\u1eadp k\u1ef7, UOB \u0111\u00e3 \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m \u0111\u1ec3 t\u1ea1o ra gi\u00e1 tr\u1ecb l\u00e2u d\u00e0i b\u1eb1ng c\u00e1ch duy tr\u00ec s\u1ef1 ph\u00f9 h\u1ee3p th\u00f4ng qua tinh th\u1ea7n d\u00e1m ngh\u0129 d\u00e1m l\u00e0m v\u00e0 l\u00e0m \u0111\u00fang v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. UOB t\u1eadp trung v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng t\u01b0\u01a1ng lai c\u1ee7a khu v\u1ef1c ASEAN \u2013 cho ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p trong khu v\u1ef1c c\u0169ng nh\u01b0 k\u1ebft n\u1ed1i v\u1edbi ASEAN.<\/p>\n

Ng\u00e2n h\u00e0ng k\u1ebft n\u1ed1i c\u00e1c doanh nghi\u1ec7p v\u1edbi c\u00e1c c\u01a1 h\u1ed9i trong khu v\u1ef1c b\u1eb1ng d\u1ea5u \u1ea5n ch\u01b0a t\u1eebng c\u00f3 trong khu v\u1ef1c c\u1ee7a m\u00ecnh, \u0111\u1ed3ng th\u1eddi t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u v\u00e0 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc \u0111\u1ec3 \u0111\u1ed5i m\u1edbi c\u0169ng nh\u01b0 t\u1ea1o ra c\u00e1c gi\u1ea3i ph\u00e1p v\u00e0 tr\u1ea3i nghi\u1ec7m ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a ph\u1ee5c v\u1ee5 nhu c\u1ea7u ri\u00eang v\u00e0 s\u1edf th\u00edch ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng. UOB c\u0169ng cam k\u1ebft h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p x\u00e2y d\u1ef1ng m\u1ed9t t\u01b0\u01a1ng lai b\u1ec1n v\u1eefng b\u1eb1ng c\u00e1ch th\u00fac \u0111\u1ea9y s\u1ef1 h\u00f2a nh\u1eadp x\u00e3 h\u1ed9i, t\u1ea1o ra t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng v\u00e0 theo \u0111u\u1ed5i ti\u1ebfn b\u1ed9 kinh t\u1ebf. UOB l\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 ki\u00ean \u0111\u1ecbnh h\u1ed7 tr\u1ee3 ngh\u1ec7 thu\u1eadt, ph\u00e1t tri\u1ec3n x\u00e3 h\u1ed9i cho tr\u1ebb em v\u00e0 gi\u00e1o d\u1ee5c, v\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.<\/p>\n

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[1] N\u0103m t\u1edbi l\u00e0 12 th\u00e1ng ti\u1ebfp theo, b\u1eaft \u0111\u1ea7u t\u1eeb th\u00e1ng 7 n\u0103m 2023.<\/span><\/p>\n<\/td>\n<\/tr>\n

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[2] Th\u1ebf h\u1ec7 Z l\u00e0 nh\u1eefng ng\u01b0\u1eddi t\u1eeb 18 \u0111\u1ebfn 24 tu\u1ed5i.<\/span><\/p>\n<\/td>\n<\/tr>\n

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[3] Th\u1ebf h\u1ec7 Y l\u00e0 nh\u1eefng ng\u01b0\u1eddi t\u1eeb 25 \u0111\u1ebfn 40 tu\u1ed5i. <\/span><\/p>\n<\/td>\n<\/tr>\n

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[4] Kh\u00e1ch h\u00e0ng \u0111a k\u00eanh l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng k\u1ebft h\u1ee3p c\u00e1c k\u00eanh v\u1eadt l\u00fd v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1, bao g\u1ed3m c\u1ea3 \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 ng\u00e2n h\u00e0ng di \u0111\u1ed9ng. Kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng ch\u1ec9 s\u1eed d\u1ee5ng c\u00e1c k\u00eanh v\u1eadt l\u00fd nh\u01b0 chi nh\u00e1nh v\u00e0 t\u1ed5ng \u0111\u00e0i h\u1ed7 tr\u1ee3.<\/span><\/p>\n<\/td>\n<\/tr>\n

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[5] \u0110\u1ed1i v\u1edbi n\u0103m d\u01b0\u01a1ng l\u1ecbch 2022.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

SINGAPORE, 22\/08\/2023 \/PRNewswire\/ — Theo Nghi\u00ean c\u1ee9u T\u00e2m l\u00fd Ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN (ACSS) 2023 h\u00e0ng \u0111\u1ea7u c\u1ee7a UOB, t\u00ecnh tr\u1ea1ng l\u1ea1m ph\u00e1t v\u00e0 chi ph\u00ed gia t\u0103ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean m\u1ed1i lo ng\u1ea1i v\u1ec1 suy tho\u00e1i kinh t\u1ebf \u1edf ASEAN, trong khi vi\u1ec7c \u00e1p d\u1ee5ng v\u00e0 s\u1eed d\u1ee5ng c\u00e1c k\u00eanh thanh to\u00e1n v\u00e0 […]\n","protected":false},"author":4,"featured_media":50415,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[2293],"tags":[],"class_list":["post-24384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"\nTrong b\u1ed1i c\u1ea3nh l\u1ea1m ph\u00e1t, nh\u1eefng lo ng\u1ea1i v\u1ec1 suy tho\u00e1i 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