{"id":34099,"date":"2024-08-20T00:05:05","date_gmt":"2024-08-19T17:05:05","guid":{"rendered":"https:\/\/saigonbiz.com.vn\/nghien-cuu-cua-uob-nguoi-tieu-dung-singapore-lac-quan-ve-nen-kinh-te-va-tai-chinh-ca-nhan-cua-ho-mac-du-vay-gioi-tre-van-chua-co-su-chuan-bi-ki-cang-ve-mat-tai-chinh\/"},"modified":"2024-08-20T00:05:05","modified_gmt":"2024-08-19T17:05:05","slug":"nghien-cuu-cua-uob-nguoi-tieu-dung-singapore-lac-quan-ve-nen-kinh-te-va-tai-chinh-ca-nhan-cua-ho-mac-du-vay-gioi-tre-van-chua-co-su-chuan-bi-ki-cang-ve-mat-tai-chinh","status":"publish","type":"post","link":"https:\/\/saigonbiz.com\/vn\/nghien-cuu-cua-uob-nguoi-tieu-dung-singapore-lac-quan-ve-nen-kinh-te-va-tai-chinh-ca-nhan-cua-ho-mac-du-vay-gioi-tre-van-chua-co-su-chuan-bi-ki-cang-ve-mat-tai-chinh\/","title":{"rendered":"Nghi\u00ean c\u1ee9u c\u1ee7a UOB: Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore l\u1ea1c quan v\u1ec1 n\u1ec1n kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd, m\u1eb7c d\u00f9 v\u1eady, gi\u1edbi tr\u1ebb v\u1eabn ch\u01b0a c\u00f3 s\u1ef1 chu\u1ea9n b\u1ecb k\u0129 c\u00e0ng v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh"},"content":{"rendered":"
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T\u00e2m l\u00fd ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> c\u0169ng \u0111\u00e3 l\u1ea1c quan h\u01a1n v\u1ec1 n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng nh\u01b0 ngu\u1ed3n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd so v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c.<\/i><\/p>\n

SINGAPORE<\/span>, 19\/8\/2024<\/span> \/PRNewswire\/ — Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u00e3 l\u1ea1c quan h\u01a1n v\u1ec1 t\u00ecnh h\u00ecnh n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng nh\u01b0 ngu\u1ed3n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd. M\u1eb7c d\u00f9 v\u1eady, t\u00ecnh h\u00ecnh l\u1ea1m ph\u00e1t dai d\u1eb3ng v\u00e0 nh\u1eefng kho\u1ea3ng c\u00e1ch v\u1ec1\u00a0 t\u00e0i ch\u00ednh trong gi\u1edbi tr\u1ebb l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea5p b\u00e1ch \u0111\u01b0\u1ee3c n\u00eau ra trong Nghi\u00ean c\u1ee9u t\u00e2m l\u00fd ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN (ACSS) 2024 m\u1edbi nh\u1ea5t c\u1ee7a UOB.<\/p>\n

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Theo ACSS 2024 [1]<\/sup> c\u1ee7a UOB, g\u1ea7n 7 trong s\u1ed1 10 ng\u01b0\u1eddi Singapore<\/span> \u0111\u01b0\u1ee3c h\u1ecfi (68%) cho bi\u1ebft h\u1ecd c\u1ea3m th\u1ea5y t\u00edch c\u1ef1c v\u1ec1 m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf hi\u1ec7n t\u1ea1i \u1edf Singapore<\/span>, t\u0103ng 20 ph\u1ea7n tr\u0103m so v\u1edbi n\u0103m ngo\u00e1i. T\u1ec9 l\u1ec7 n\u00e0y \u1edf Singapore<\/span> c\u0169ng cao h\u01a1n 14 ph\u1ea7n tr\u0103m so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a khu v\u1ef1c.<\/p>\n

L\u1ea1m ph\u00e1t dai d\u1eb3ng v\u1eabn l\u00e0 m\u1ed1i lo ng\u1ea1i h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN trong n\u0103m nay. M\u1eb7c d\u00f9 v\u1eady, \u0111\u00e3 c\u00f3 s\u1ef1 s\u1ee5t gi\u1ea3m \u0111\u00e1ng k\u1ec3 v\u1ec1 m\u1ee9c \u0111\u1ed9 lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c n\u00eau trong nghi\u00ean c\u1ee9u n\u0103m 2024. \u0110\u00e2y c\u00f3 l\u1ebd l\u00e0 d\u1ea5u hi\u1ec7u cho th\u1ea5y ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 d\u1ea7n ch\u1ea5p thu\u1eadn c\u00e1c bi\u1ec7n ph\u00e1p m\u00e0 ch\u00ednh ph\u1ee7 \u0111\u01b0a ra \u0111\u1ec3 gi\u00fap n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng v\u01b0\u1ee3t qua cu\u1ed9c bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf to\u00e0n c\u1ea7u. M\u1ed9t v\u00e0i gi\u1ea3i ph\u00e1p m\u00e0 ch\u00ednh ph\u1ee7 \u0111\u01b0a ra bao g\u1ed3m c\u00e1c G\u00f3i b\u1ea3o hi\u1ec3m, phi\u1ebfu mua h\u00e0ng CDC v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh phi\u1ebfu GST.<\/p>\n

Tuy nhi\u00ean, trong m\u1ed9t l\u0129nh v\u1ef1c nghi\u00ean c\u1ee9u ho\u00e0n to\u00e0n m\u1edbi v\u1ec1 m\u1ee9c \u0111\u1ed9 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00e2n, ACSS 2024 ph\u00e1t hi\u1ec7n ra r\u1eb1ng, c\u1ee9 b\u1ed1n thanh ni\u00ean trong \u0111\u1ed9 tu\u1ed5i t\u1eeb 18 \u0111\u1ebfn 25 th\u00ec c\u00f3 m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng \u0111\u00e1p \u1ee9ng b\u1ea5t k\u1ef3 quy t\u1eafc chung n\u00e0o c\u1ee7a C\u01a1 quan Ti\u1ec1n t\u1ec7 Singapore<\/span> (MAS) \u0111\u1ec1 ra c\u0169ng nh\u01b0 \u00a0theo H\u01b0\u1edbng d\u1eabn L\u1eadp k\u1ebf ho\u1ea1ch T\u00e0i ch\u00ednh C\u01a1 b\u1ea3n c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh (H\u01b0\u1edbng d\u1eabn). \u0110i\u1ec1u n\u00e0y cho th\u1ea5y r\u1eb1ng, c\u00f3 th\u1ec3 c\u1ea7n nhi\u1ec1u n\u1ed7 l\u1ef1c ph\u1ed1i h\u1ee3p h\u01a1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y th\u1ebf h\u1ec7 tr\u1ebb trong vi\u1ec7c chu\u1ea9n b\u1ecb ngu\u1ed3n t\u00e0i ch\u00ednh v\u1eefng v\u00e0ng cho t\u01b0\u01a1ng lai c\u1ee7a h\u1ecd.<\/p>\n

“Th\u1eadt \u0111\u00e1ng m\u1eebng khi ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u00e3 c\u00f3 c\u00e1i nh\u00ecn t\u00edch c\u1ef1c h\u01a1n v\u1ec1 n\u1ec1n kinh t\u1ebf trong n\u0103m nay. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y ch\u00ednh ph\u1ee7 Singapore<\/span> \u0111\u00e3 l\u00e0m r\u1ea5t t\u1ed1t trong vi\u1ec7c h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n c\u1ee7a h\u1ecd v\u01b0\u1ee3t qua t\u00ecnh h\u00ecnh kinh t\u1ebf b\u1ea5t \u1ed5n \u1edf khu v\u1ef1c n\u00e0y. B\u00e0 Jacquelyn Tan<\/span>, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i D\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a UOB, cho bi\u1ebft: “Th\u1ebf h\u1ec7 tr\u1ebb l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1eb7c bi\u1ec7t l\u1ea1c quan v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh trong t\u01b0\u01a1ng lai, m\u1ed9t y\u1ebfu t\u1ed1 m\u00e0 b\u1ea5t k\u1ef3 qu\u1ed1c gia n\u00e0o c\u0169ng mong mu\u1ed1n c\u00f3 \u0111\u01b0\u1ee3c”.<\/p>\n

“Tuy nhi\u00ean, ACSS 2024 \u0111\u00e3 nh\u1ea5n m\u1ea1nh s\u1ef1 c\u1ea7n thi\u1ebft v\u1ec1 vi\u1ec7c t\u0103ng c\u01b0\u1eddng s\u1ef1 chu\u1ea9n b\u1ecb v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh \u1edf th\u1ebf h\u1ec7 tr\u1ebb. Ch\u00fang t\u00f4i tin r\u1eb1ng th\u1ebf h\u1ec7 tr\u1ebb \u0111ang d\u1ea7n c\u00f3 \u00fd th\u1ee9c h\u01a1n v\u1ec1 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh, h\u1ecd b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho qu\u1ef9 kh\u1ea9n c\u1ea5p v\u00e0 \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai, nh\u01b0ng h\u1ecd c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nhi\u1ec1u h\u01a1n v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 k\u1ebf ho\u1ea1ch th\u1eeba k\u1ebf. Ng\u01b0\u1eddi tr\u1ebb ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 t\u1eadn h\u01b0\u1edfng nh\u1eefng tr\u1ea3i nghi\u1ec7m tuy\u1ec7t v\u1eddi h\u01a1n trong cu\u1ed9c s\u1ed1ng n\u1ebfu h\u1ecd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 tr\u01b0\u1edbc nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c. Ch\u00fang t\u00f4i \u1edf \u0111\u00e2y \u0111\u1ec3 gi\u00fap nh\u1eefng kh\u00e1ch h\u00e0ng tr\u1ebb tu\u1ed5i c\u1ee7a m\u00ecnh \u0111\u1ea1t \u0111\u01b0\u1ee3c cu\u1ed9c s\u1ed1ng m\u00e0 h\u1ecd h\u1eb1ng mong mu\u1ed1n, \u0111\u1ed3ng th\u1eddi, h\u1ed7 tr\u1ee3 h\u1ecd trong vi\u1ec7c x\u00e2y d\u1ef1ng qu\u1ef9 t\u00e0i ch\u00ednh d\u1ef1 ph\u00f2ng b\u1ec1n v\u1eefng \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai . “<\/p>\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u00e3 l\u1ea1c quan h\u01a1n tr\u01b0\u1edbc s\u1ef1 suy tho\u00e1i kinh t\u1ebf v\u00e0 k\u1ef3 v\u1ecdng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd s\u1ebd c\u1ea3i thi\u1ec7n h\u01a1n trong th\u1eddi gian t\u1edbi<\/b><\/p>\n

S\u1ef1 l\u1ea1c quan v\u1ec1 t\u00ecnh h\u00ecnh kinh t\u1ebf c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> so v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00e1c trong khu v\u1ef1c m\u1ed9t ph\u1ea7n l\u00e0 nh\u1edd v\u00e0o th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng ch\u1eb7t ch\u1ebd c\u1ee7a n\u01b0\u1edbc n\u00e0y. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua t\u1ef7 l\u1ec7 vi\u1ec7c l\u00e0m kh\u1ea3 d\u1ee5ng cao c\u00f9ng v\u1edbi t\u1ec9 l\u1ec7 ng\u01b0\u1eddi t\u00ecm vi\u1ec7c cao trong khi t\u1ec9 l\u1ec7 c\u1eaft gi\u1ea3m vi\u1ec7c l\u00e0m v\u1eabn \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t kh\u00e1 ch\u1eb7t ch\u1ebd. H\u01a1n n\u1eefa, \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng c\u1ee7a Singapore<\/span> c\u00f3 th\u1ec3 s\u1ebd c\u00f2n k\u00e9o d\u00e0i v\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh h\u01a1n v\u00e0o n\u1eeda cu\u1ed1i n\u0103m nay nh\u1edd v\u00e0o s\u1ef1 gia t\u0103ng trong nhu c\u1ea7u t\u1eeb b\u00ean ngo\u00e0i n\u1ebfuc\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng ch\u1ee7 ch\u1ed1t \u1edf c\u00e1c n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n b\u1eaft \u0111\u1ea7u ho\u1eb7c ti\u1ebfp t\u1ee5c h\u1ea1 l\u00e3i su\u1ea5t ch\u00ednh s\u00e1ch s\u1ebd gi\u00fap th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 v\u00e0 ti\u00eau d\u00f9ng \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

T\u00e2m l\u00fd n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh qua m\u1ee9c c\u1ea3i thi\u1ec7n 10 ph\u1ea7n tr\u0103m so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi k\u1ef3 v\u1ecdng v\u1ec1 m\u1ed9t cu\u1ed9c suy tho\u00e1i l\u1edbn trong n\u0103m t\u1edbi. S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> d\u1ef1 \u0111o\u00e1n r\u1eb1ng m\u1ed9t cu\u1ed9c suy tho\u00e1i l\u1edbn s\u1ebd x\u1ea3y ra trong th\u1eddi gian t\u1edbi c\u0169ng th\u1ea5p h\u01a1n 12 ph\u1ea7n tr\u0103m so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a khu v\u1ef1c, trong khi m\u1ee9c trung b\u00ecnh n\u00e0y v\u1eabn kh\u00e1 t\u01b0\u01a1ng \u0111\u1ed3ng so v\u1edbi n\u0103m ngo\u00e1i.<\/p>\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> c\u0169ng t\u1ef1 tin h\u01a1n v\u00e0o kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, v\u1edbi 78% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi t\u1ef1 tin cho r\u1eb1ng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd s\u1ebd t\u1ed1t ho\u1eb7c th\u1eadm ch\u00ed t\u1ed1t h\u01a1n trong n\u0103m t\u1edbi, t\u0103ng 8 ph\u1ea7n tr\u0103m so v\u1edbi n\u0103m ngo\u00e1i. Gen Z v\u00e0 Gen Y l\u00e0 hai th\u1ebf h\u1ec7 l\u1ea1c quan nh\u1ea5t, v\u1edbi l\u1ea7n l\u01b0\u1ee3t 88% v\u00e0 81% s\u1ed1 ng\u01b0\u1eddi tr\u1ea3 l\u1eddi b\u00e0y t\u1ecf s\u1ef1 t\u1ef1 tin v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. \u1ede m\u1ee9c 73 ph\u1ea7n tr\u0103m, Th\u1ebf h\u1ec7 X ghi nh\u1eadn m\u1ee9c t\u0103ng k\u1ec9 l\u1ee5c (14%) so v\u1edbi n\u0103m ngo\u00e1i, trong khi Th\u1ebf h\u1ec7 Baby Boomers l\u1ea1i ghi nh\u1eadn s\u1ef1 thay \u0111\u1ed5i kh\u00f4ng \u0111\u00e1ng k\u1ec3 \u1edf m\u1ee9c 54 ph\u1ea7n tr\u0103m.<\/p>\n

S\u1ef1 gia t\u0103ng t\u1ec9 l\u1ec7 l\u1ea1m ph\u00e1t v\u1eabn l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ASEAN v\u1edbi 63% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi th\u1ec3 hi\u1ec7n m\u1ed1i lo ng\u1ea1i s\u00e2u s\u1eafc, ti\u1ebfp theo \u0111\u00f3 l\u00e0 m\u1ed1i lo ng\u1ea1i v\u1ec1 s\u1ef1 gia t\u0103ng trong chi ph\u00ed h\u1ed9 gia \u0111\u00ecnh (58%) v\u00e0 s\u1ef1 suy gi\u1ea3m v\u1ec1 l\u01b0\u1ee3ng ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 kh\u1ea3 n\u0103ng n\u1eafm gi\u1eef t\u00e0i s\u1ea3n (52%). Nh\u1eefng m\u1ee9c n\u00e0y h\u1ea7u nh\u01b0 kh\u00f4ng thay \u0111\u1ed5i so v\u1edbi n\u0103m 2023, m\u1ed9t d\u1ea5u hi\u1ec7u cho th\u1ea5y nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y v\u1eabn c\u00f2n ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft. V\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh nh\u01b0 nhau, ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> d\u01b0\u1eddng nh\u01b0 \u00edt lo l\u1eafng h\u01a1n so v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00e1c trong khu v\u1ef1c. S\u1ed1 ng\u01b0\u1eddi b\u00e0y t\u1ecf s\u1ef1 lo ng\u1ea1i v\u1ec1 vi\u1ec7c l\u1ea1m ph\u00e1t gia t\u0103ng \u0111\u00e3 gi\u1ea3m 16 ph\u1ea7n tr\u0103m xu\u1ed1ng c\u00f2n 55%, trong khi s\u1ed1 ng\u01b0\u1eddi b\u00e0y t\u1ecf s\u1ef1 lo l\u1eafng v\u1ec1 vi\u1ec7c gia t\u0103ng chi ph\u00ed h\u1ed9 gia \u0111\u00ecnh v\u00e0 s\u1ef1 suy gi\u1ea3m l\u01b0\u1ee3ng ti\u1ec1n ti\u1ebft ki\u1ec7m ho\u1eb7c t\u00e0i s\u1ea3n n\u1eafm gi\u1eef c\u0169ng gi\u1ea3m 12 ph\u1ea7n tr\u0103m xu\u1ed1ng m\u1ee9c 52% v\u00e0 47%.<\/p>\n

C\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra trong Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n s\u00e1ch Singapore<\/span> n\u0103m 2024, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c \u0111\u1ee3t b\u1ed5 sung phi\u1ebfu mua h\u00e0ng CDC cho h\u1ed9 gia \u0111\u00ecnh tr\u1ecb gi\u00e1 600 \u0111\u00f4 la v\u00e0 kho\u1ea3n ho\u00e0n thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n 50% trong n\u0103m nay v\u1edbi m\u1ee9c t\u1ed1i \u0111a l\u00e0 200 \u0111\u00f4 la, \u0111\u00e3 g\u00f3p ph\u1ea7n \u0111\u00e1ng k\u1ec3 v\u00e0o vi\u1ec7c gi\u1ea3m b\u1edbt m\u1ed1i lo ng\u1ea1i v\u1ec1 chi ph\u00ed sinh ho\u1ea1t c\u1ee7a ng\u01b0\u1eddi d\u00e2n Singapore<\/span>. Nh\u1eefng bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 n\u00e0y \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng b\u00ean c\u1ea1nh c\u00e1c kho\u1ea3n h\u1ed7 tr\u1ee3 hi\u1ec7n c\u00f3 c\u1ee7a ch\u00ednh ph\u1ee7 nh\u01b0 G\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh Phi\u1ebfu GST \u0111\u1ec3 cung c\u1ea5p th\u00eam m\u1ed9t kho\u1ea3n ti\u1ec1n d\u1ef1 ph\u00f2ng cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp t\u1eeb th\u1ea5p \u0111\u1ebfn trung b\u00ecnh \u0111\u1ec3 trang tr\u1ea3i tr\u01b0\u1edbc t\u00ecnh h\u00ecnh chi ph\u00ed t\u0103ng cao. \u1ede c\u1ea5p \u0111\u1ed9 r\u1ed9ng h\u01a1n, vi\u1ec7c gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c l\u1ea1m ph\u00e1t v\u00e0o cu\u1ed1i n\u0103m 2022, c\u00f9ng v\u1edbi vi\u1ec7c \u0111\u1ed3ng \u0111\u00f4 la Singapore<\/span> t\u0103ng gi\u00e1 m\u1ea1nh, \u0111\u00e3 gi\u00fap duy tr\u00ec s\u1ee9c mua c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong n\u01b0\u1edbc. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c l\u1ea1m ph\u00e1t nh\u1eadp kh\u1ea9u c\u0169ng gi\u00fap Singapore<\/span> c\u00f3 l\u1ee3i th\u1ebf h\u01a1n so v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c.<\/p>\n

C\u00e1c m\u1eb7t h\u00e0ng h\u00e0ng \u0111\u1ea7u m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> cho bi\u1ebft h\u1ecd chi ti\u00eau nhi\u1ec1u nh\u1ea5t trong n\u0103m qua [2]<\/sup> l\u00e0 h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch (25 ph\u1ea7n tr\u0103m), chi ph\u00ed \u0111i l\u1ea1i h\u00e0ng ng\u00e0y v\u00e0 chi ph\u00ed gi\u00e1o d\u1ee5c tr\u1ebb em \u0111\u1ee9ng th\u1ee9 hai (11 ph\u1ea7n tr\u0103m) v\u00e0 chi ph\u00ed h\u00e0ng t\u1ea1p h\u00f3a gia d\u1ee5ng \u0111\u1ee9ng th\u1ee9 ba (b\u1ea3y ph\u1ea7n tr\u0103m). Tuy nhi\u00ean, \u0111\u00e3 c\u00f3 s\u1ef1 s\u1ee5t gi\u1ea3m m\u1ea1nh v\u1ec1 l\u01b0\u1ee3ng chi ti\u00eau c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch v\u00e0 h\u00e0ng t\u1ea1p h\u00f3a gia \u0111\u00ecnh, trong \u0111\u00f3 l\u01b0\u1ee3ng chi ti\u00eau cho h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch v\u00e0 h\u00e0ng t\u1ea1p h\u00f3a gia \u0111\u00ecnh gi\u1ea3m s\u00e1u ph\u1ea7n tr\u0103m v\u00e0 l\u01b0\u1ee3ng chi ti\u00eau cho h\u00e0ng t\u1ea1p h\u00f3a gia \u0111\u00ecnh gi\u1ea3m b\u1ea3y ph\u1ea7n tr\u0103m. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> c\u0169ng chi ti\u00eau nhi\u1ec1u h\u01a1n trong c\u00e1c h\u1ea1ng m\u1ee5c tr\u1ea3i nghi\u1ec7m nh\u01b0 du l\u1ecbch ngh\u1ec9 d\u01b0\u1ee1ng, \u0103n u\u1ed1ng sang tr\u1ecdng, h\u00f2a nh\u1ea1c, s\u1ef1 ki\u1ec7n v\u00e0 l\u1ec5 h\u1ed9i so v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00e1c, v\u1edbi 43% s\u1ed1 ng\u01b0\u1eddi tr\u1ea3 l\u1eddi cho bi\u1ebft h\u1ecd \u0111\u00e3 gia t\u0103ng \u0111\u00e1ng k\u1ec3 l\u01b0\u1ee3ng chi ti\u00eau cho c\u00e1c h\u1ea1ng m\u1ee5c n\u00e0y trong n\u0103m qua so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a khu v\u1ef1c l\u00e0 35%. Nh\u1eefng h\u1ea1ng m\u1ee5c m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> s\u1eb5n s\u00e0ng chi tr\u1ea3 nhi\u1ec1u h\u01a1n l\u00e0 c\u00e1c s\u1ef1 ki\u1ec7n gi\u1ea3i tr\u00ed nh\u01b0 h\u00f2a nh\u1ea1c v\u00e0 l\u1ec5 h\u1ed9i, du l\u1ecbch ngh\u1ec9 d\u01b0\u1ee1ng v\u00e0 \u0103n u\u1ed1ng sang tr\u1ecdng.<\/p>\n

Ch\u01b0a chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng v\u1ec1 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh \u1edf gi\u1edbi tr\u1ebb<\/b><\/p>\n

Ph\u1ea7n l\u1edbn ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai, trong \u0111\u00f3 Gen Z chi\u1ebfm t\u1ec9 l\u1ec7 cao nh\u1ea5t. Trong h\u1ea1ng m\u1ee5c nghi\u00ean c\u1ee9u m\u1edbi v\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nghi\u00ean c\u1ee9u \u0111\u00e3 th\u0103m d\u00f2 \u00fd ki\u1ebfn v\u1ec1 vi\u1ec7c ph\u00e2n b\u1ed5 t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu d\u1ef1a tr\u00ean c\u00e1c quy t\u1eafc chung \u0111\u01b0\u1ee3c n\u00eau trong H\u01b0\u1edbng d\u1eabn [3]<\/sup>, c\u1ee5 th\u1ec3 l\u00e0 vi\u1ec7c ph\u00e2n b\u1ed5 t\u00e0i ch\u00ednh trong kho\u1ea3ng t\u1eeb ba \u0111\u1ebfn s\u00e1u th\u00e1ng \u0111\u1ec3 l\u00e0m qu\u1ef9 kh\u1ea9n c\u1ea5p, mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro nh\u01b0 t\u1eed vong, th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n v\u00e0 b\u1ec7nh hi\u1ec3m ngh\u00e8o, \u0111\u1ea7u t\u01b0 \u00edt nh\u1ea5t 10 ph\u1ea7n tr\u0103m ti\u1ec1n l\u01b0\u01a1ng th\u1ef1c l\u0129nh cho m\u1ee5c ti\u00eau h\u01b0u tr\u00ed v\u00e0 c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh kh\u00e1c, l\u1eadp di ch\u00fac v\u00e0 ch\u1ec9 \u0111\u1ecbnh ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng CPF.<\/p>\n

Nghi\u00ean c\u1ee9u cho th\u1ea5y 37 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c hai nguy\u00ean t\u1eafc v\u00e0 ch\u1ec9 c\u00f3 10 ph\u1ea7n tr\u0103m \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c ba ho\u1eb7c t\u1ea5t c\u1ea3 b\u1ed1n nguy\u00ean t\u1eafc chung. \u0110i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i nh\u1ea5t l\u00e0 c\u00f3 t\u1edbi 35 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ec9 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t quy t\u1eafc chung duy nh\u1ea5t v\u00e0 c\u00f3 t\u1edbi 18 ph\u1ea7n tr\u0103m kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c b\u1ea5t k\u1ef3 quy t\u1eafc n\u00e0o. Gen Z l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00e1ng quan t\u00e2m \u0111\u1eb7c bi\u1ec7t khi c\u00f3 t\u1edbi 26% kh\u00f4ng \u0111\u00e1p \u1ee9ng b\u1ea5t k\u00ec quy t\u1eafc n\u00e0o. Trong khi Gen Z l\u00e0 m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng t\u01b0\u01a1ng \u0111\u1ed1i “tr\u1ebb” v\u00e0 v\u1eabn \u0111ang t\u00ecm ki\u1ebfm ch\u1ed7 \u0111\u1ee9ng v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh. Nhi\u1ec1u ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 n\u00e0y c\u00f2n c\u00f3 th\u1ec3 \u0111ang ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi c\u00e1c kho\u1ea3n chi ph\u00ed l\u1edbn nh\u01b0 k\u1ebft h\u00f4n v\u00e0 nh\u00e0 \u1edf, b\u1edfi v\u1eady, vi\u1ec7c h\u1ecd kh\u00f4ng c\u00f3 \u0111\u1ee7 ngu\u1ed3n t\u00e0i ch\u00ednh d\u1ef1 ph\u00f2ng tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn c\u1ed1 b\u1ea5t ng\u1edd trong cu\u1ed9c s\u1ed1ng l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng \u0111\u00e1ng lo ng\u1ea1i.<\/p>\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u01b0\u1ee3c trang b\u1ecb kh\u00e1 \u0111\u1ea7y \u0111\u1ee7 ki\u1ebfn th\u1ee9c v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a qu\u1ef9 kh\u1ea9n c\u1ea5p, v\u1edbi 60% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho r\u1eb1ng h\u1ecd ti\u1ebft ki\u1ec7m \u00edt nh\u1ea5t ba th\u00e1ng chi ti\u00eau \u0111\u1ec3 ph\u00f2ng ng\u1eeba nh\u1eefng s\u1ef1 c\u1ed1 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc. Gen X ghi nh\u1eadn s\u1ed1 li\u1ec7u th\u1ea5p nh\u1ea5t khi ch\u1ec9 c\u00f3 54% trong s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho r\u1eb1ng h\u1ecd d\u00e0nh ra m\u1ed9t kho\u1ea3n v\u1eeba \u0111\u1ee7 \u0111\u1ec3 l\u00e0m qu\u1ef9 kh\u1ea9n c\u1ea5p. C\u00e1c th\u1ebf h\u1ec7 kh\u00e1c ghi nh\u1eadn s\u1ed1 li\u1ec7u l\u1ea7n l\u01b0\u1ee3t l\u00e0: Gen Y (62%), Gen Z (59%) v\u00e0 Th\u1ebf h\u1ec7 Baby boomers (77%).<\/p>\n

V\u1ec1 m\u1eb7t b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span>, \u0111\u1eb7c bi\u1ec7t l\u00e0 Gen Z, c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n, nh\u1ea5t l\u00e0 trong c\u00e1c l\u0129nh v\u1ef1c li\u00ean quan \u0111\u1ebfn b\u1ec7nh hi\u1ec3m ngh\u00e8o, t\u1eed vong v\u00e0 th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n. Ch\u1ec9 c\u00f3 37 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd c\u00f3 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o, trong khi t\u1ef7 l\u1ec7 n\u00e0y \u1edf Gen Z gi\u1ea3m xu\u1ed1ng ch\u1ec9 c\u00f2n 17 ph\u1ea7n tr\u0103m. \u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m t\u1eed vong v\u00e0 th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n, ch\u1ec9 c\u00f3 22 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> c\u00f3 b\u1ea3o hi\u1ec3m v\u00e0 con s\u1ed1 n\u00e0y l\u00e0 13 ph\u1ea7n tr\u0103m \u1edf Gen Z. \u0110\u00e1ng b\u00e1o \u0111\u1ed9ng h\u01a1n, c\u1ee9 10 ng\u01b0\u1eddi thu\u1ed9c Gen Z th\u00ec c\u00f3 h\u01a1n 1 ng\u01b0\u1eddi (12%) cho bi\u1ebft h\u1ecd kh\u00f4ng h\u1ec1 c\u00f3 b\u1ea5t k\u1ef3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o.<\/p>\n

V\u1ec1 \u0111\u1ea7u t\u01b0, 56 ph\u1ea7n tr\u0103m l\u01b0\u1ee3ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> d\u00e0nh \u00edt nh\u1ea5t 10 ph\u1ea7n tr\u0103m thu nh\u1eadp h\u00e0ng n\u0103m c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u1ea7u t\u01b0. M\u1ed9t t\u00edn hi\u1ec7u \u0111\u00e1ng m\u1eebng l\u00e0 Gen Z v\u00e0 Gen Y l\u00e0 hai th\u1ebf h\u1ec7 si\u00eang n\u0103ng nh\u1ea5t, v\u1edbi l\u1ea7n l\u01b0\u1ee3t 55% v\u00e0 62% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u1edf hai th\u1ebf h\u1ec7 n\u00e0y tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc chung v\u1ec1 \u0111\u1ea7u t\u01b0. M\u1ed9t d\u1ea5u hi\u1ec7u t\u00edch c\u1ef1c cho th\u1ea5y th\u1ebf h\u1ec7 tr\u1ebb \u0111ang \u0111\u1ec3 \u00fd nhi\u1ec1u h\u01a1n \u0111\u1ebfn vi\u1ec7c chu\u1ea9n b\u1ecb cho vi\u1ec7c ngh\u1ec9 h\u01b0u v\u00e0 c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n

V\u1ec1 k\u1ebf ho\u1ea1ch th\u1eeba k\u1ebf, m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore<\/span> \u0111\u00e3 l\u1ef1a ch\u1ecdn ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng CPF. Trong khi \u0111\u00f3, s\u1ed1 ng\u01b0\u1eddi cho bi\u1ebft h\u1ecd \u0111\u00e3 l\u1eadp di ch\u00fac ch\u1ec9 c\u00f3 m\u1ed9t ph\u1ea7n n\u0103m (19%). C\u00f3 l\u1ebd l\u00e0 do c\u00f2n tr\u1ebb n\u00ean Gen Z v\u00e0 Gen Y \u00edt \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb h\u01a1n so v\u1edbi nh\u1eefng th\u1ebf h\u1ec7 l\u1edbn tu\u1ed5i h\u01a1n, khi ch\u1ec9 c\u00f3 29% v\u00e0 43% s\u1ed1 ng\u01b0\u1eddi thu\u1ed9c hai th\u1ebf h\u1ec7 n\u00e0y cho bi\u1ebft h\u1ecd \u0111\u00e3 ch\u1ec9 \u0111\u1ecbnh ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng CPF, so v\u1edbi 64% \u1edf Gen X v\u00e0 74% \u1edf th\u1ebf h\u1ec7 Boomers. Ch\u1ec9 c\u00f3 1 trong 10 ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 Z v\u00e0 15 ph\u1ea7n tr\u0103m ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 Y cho bi\u1ebft h\u1ecd \u0111\u00e3 l\u1eadp di ch\u00fac. \u0110\u00e1ng lo ng\u1ea1i h\u01a1n, ch\u1ec9 c\u00f3 m\u1ed9t ph\u1ea7n t\u01b0 s\u1ed1 ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 X v\u00e0 35 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 Baby boomers cho bi\u1ebft h\u1ecd \u0111\u00e3 l\u1eadp di ch\u00fac, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 do v\u0103n h\u00f3a ho\u1eb7c do thi\u1ebfu hi\u1ec3u bi\u1ebft.<\/p>\n

UOB cam k\u1ebft h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng \u1edf m\u1ecdi giai \u0111o\u1ea1n trong cu\u1ed9c \u0111\u1eddi. Ch\u00fang t\u00f4i n\u1ed7 l\u1ef1c k\u00eau g\u1ecdi kh\u00e1ch h\u00e0ng tham kh\u1ea3o c\u00e1c H\u01b0\u1edbng d\u1eabn v\u1ec1 t\u00e0i ch\u00ednh n\u00e0y v\u00e0 li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i n\u1ebfu c\u1ea7n h\u1ed7 tr\u1ee3 trong vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. C\u00e1c m\u00f4 h\u00ecnh tr\u01b0\u1edbc \u0111\u00f3 cho th\u1ea5y vi\u1ec7c ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 v\u00e0 mua b\u1ea3o hi\u1ec3m l\u00e0 kh\u1ea3 thi \u1edf m\u1ecdi giai \u0111o\u1ea1n trong cu\u1ed9c s\u1ed1ng, ngay c\u1ea3 \u1edf m\u1ee9c thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi l\u1edbn tu\u1ed5i \u0111ang \u0111i l\u00e0m v\u00e0 ng\u01b0\u1eddi \u0111\u00e3 ngh\u1ec9 h\u01b0u. Ch\u00fang t\u00f4i cam k\u1ebft h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng h\u1ebft m\u00ecnh trong vi\u1ec7c b\u1ea3o v\u1ec7 v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c kho\u1ea3n t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd theo c\u00e1ch an to\u00e0n v\u00e0 b\u1ec1n v\u1eefng nh\u1ea5t.<\/p>\n

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

UOB l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u \u1edf Ch\u00e2u \u00c1. V\u1edbi tr\u1ee5 s\u1edf ch\u00ednh \u0111\u1eb7t t\u1ea1i Singapore<\/span> v\u00e0 h\u00e0ng lo\u1ea1t v\u0103n ph\u00f2ng qu\u1ed1c t\u1ebf t\u1ea1i Trung Qu\u1ed1c, Indonesia<\/span>, Malaysia<\/span>, Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam, UOB s\u1edf h\u1eefu m\u1ea1ng l\u01b0\u1edbi ph\u1ee7 s\u00f3ng 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, UOB \u0111\u00e3 kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n v\u1edbi m\u1ed9t lo\u1ea1t d\u1ef1 \u00e1n mang t\u00ednh chi\u1ebfn l\u01b0\u1ee3c. Hi\u1ec7n nay, UOB \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi: Aa1 b\u1edfi Moody’s Investors Service v\u00e0 AA- b\u1edfi c\u1ea3 S&P Global Ratings v\u00e0 Fitch Ratings.<\/p>\n

Trong g\u1ea7n ch\u00edn th\u1eadp k\u1ef7, UOB \u0111\u00e3 lu\u00f4n \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m, nh\u1eb1m t\u1ea1o ra c\u00e1c gi\u00e1 tr\u1ecb l\u00e2u d\u00e0i v\u00e0 duy tr\u00ec s\u1ef1 ph\u00f9 h\u1ee3p th\u00f4ng qua tinh th\u1ea7n kinh doanh c\u0169ng nh\u01b0 c\u00e1ch \u0111\u1ed1i x\u1eed \u0111\u00fang m\u1ef1c. UOB lu\u00f4n \u0111\u1eb7t m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf c\u1ee7a ASEAN trong t\u01b0\u01a1ng lai l\u00ean h\u00e0ng \u0111\u1ea7u \u2013 \u0111em l\u1ea1i cho ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c doanh nghi\u1ec7p \u1edf ASEAN m\u00f4i tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i t\u1ed1t nh\u1ea5t.<\/p>\n

UOB t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 doanh nghi\u1ec7p c\u00f3 th\u1ec3 n\u1eafm b\u1eaft t\u1ed1t nh\u1ea5t c\u00e1c c\u01a1 h\u1ed9i trong khu v\u1ef1c th\u00f4ng qua m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng r\u1ed9ng kh\u1eafp. B\u00ean c\u1ea1nh \u0111\u00f3, ng\u00e2n h\u00e0ng n\u00e0y c\u0169ng t\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf v\u1ec1 d\u1eef li\u1ec7u c\u0169ng nh\u01b0 th\u00f4ng tin chuy\u00ean s\u00e2u \u0111\u1ec3 li\u00ean t\u1ee5c \u0111\u1ed5i m\u1edbi v\u00e0 t\u1ea1o ra c\u00e1c tr\u1ea3i nghi\u1ec7m c\u0169ng nh\u01b0 gi\u1ea3i ph\u00e1p ng\u00e2n h\u00e0ng c\u00e1 nh\u00e2n h\u00f3a t\u1ed1t nh\u1ea5t, \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ri\u00eang bi\u1ec7t c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng. UOB c\u0169ng cam k\u1ebft trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng trong t\u01b0\u01a1ng lai b\u1eb1ng c\u00e1ch th\u00fac \u0111\u1ea9y 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 \u0111\u1eb7t m\u1ee5c ti\u00eau tr\u1edf th\u00e0nh m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 \u0111\u00e1ng tin c\u1eady c\u0169ng nh\u01b0 ki\u00ean \u0111\u1ecbnh trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng ngh\u1ec7 thu\u1eadt, ph\u00e1t tri\u1ec3n x\u00e3 h\u1ed9i cho tr\u1ebb em v\u00e0 gi\u00e1o d\u1ee5c, th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.<\/p>\n

Ph\u1ee5 l\u1ee5c<\/u><\/b><\/p>\n

Nghi\u00ean c\u1ee9u ACSS 2024 c\u1ee7a UOB \u0111\u00e3 kh\u1ea3o s\u00e1t 5.000 ng\u01b0\u1eddi trong \u0111\u1ed9 tu\u1ed5i t\u1eeb 18 \u0111\u1ebfn 65 \u1edf c\u00e1c n\u01b0\u1edbc bao g\u1ed3m Indonesia<\/span>, Malaysia<\/span>, Singapore<\/span>, Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam. Cu\u1ed9c kh\u1ea3o s\u00e1t \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh tr\u1ef1c tuy\u1ebfn t\u1eeb ng\u00e0y 14 th\u00e1ng 5 n\u0103m 2024 \u0111\u1ebfn ng\u00e0y 6 th\u00e1ng 6 n\u0103m 2024 v\u1edbi s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd to\u00e0n c\u1ea7u Boston Consulting Group.<\/p>\n

Cu\u1ed9c kh\u1ea3o s\u00e1t ph\u00e2n lo\u1ea1i ng\u01b0\u1eddi tr\u1ea3 l\u1eddi th\u00e0nh b\u1ed1n nh\u00f3m tu\u1ed5i, c\u1ee5 th\u1ec3 l\u00e0 Gen Z (18 \u0111\u1ebfn 25 tu\u1ed5i), Gen Y (26 \u0111\u1ebfn 41 tu\u1ed5i), Gen X (42 \u0111\u1ebfn 57 tu\u1ed5i) v\u00e0 Th\u1ebf h\u1ec7 Baby boomers (58 \u0111\u1ebfn 65 tu\u1ed5i).<\/p>\n

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[1] Chi ti\u1ebft v\u1ec1 ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u c\u1ee7a UOB ACSS 2024, bao g\u1ed3m ph\u00e2n lo\u1ea1i th\u1ebf h\u1ec7 c\u1ee7a ng\u01b0\u1eddi tr\u1ea3 l\u1eddi, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ecm th\u1ea5y trong Ph\u1ee5 l\u1ee5c.<\/span><\/p>\n<\/td>\n<\/tr>\n

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[2] S\u1ed1 li\u1ec7u \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean s\u1ef1 ch\u00eanh l\u1ec7ch r\u00f2ng gi\u1eefa ph\u1ea7n tr\u0103m ng\u01b0\u1eddi tr\u1ea3 l\u1eddi cho bi\u1ebft h\u1ecd \u0111\u00e3 chi ti\u00eau nhi\u1ec1u h\u01a1n v\u00e0o m\u1ed9t danh m\u1ee5c hi\u1ec7n t\u1ea1i so v\u1edbi 6 \u0111\u1ebfn 12 th\u00e1ng tr\u01b0\u1edbc v\u00e0 ph\u1ea7n tr\u0103m ng\u01b0\u1eddi cho bi\u1ebft h\u1ecd \u0111\u00e3 chi ti\u00eau \u00edt h\u01a1n v\u00e0o m\u1ed9t danh m\u1ee5c hi\u1ec7n t\u1ea1i so v\u1edbi 6 \u0111\u1ebfn 12 th\u00e1ng tr\u01b0\u1edbc.<\/span><\/p>\n<\/td>\n<\/tr>\n

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[3] C\u00f3 th\u1ec3 t\u00ecm \u0111\u1ecdc c\u00e1c th\u00f4ng tin chi ti\u1ebft v\u1ec1 H\u01b0\u1edbng d\u1eabn l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n c\u1ee7a MAS t\u1ea1i \u0111\u00e2y<\/a>.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n

\u00a0<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

T\u00e2m l\u00fd ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore c\u0169ng \u0111\u00e3 l\u1ea1c quan h\u01a1n v\u1ec1 n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng nh\u01b0 ngu\u1ed3n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd so v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c. SINGAPORE, 19\/8\/2024 \/PRNewswire\/ — Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore \u0111\u00e3 l\u1ea1c quan h\u01a1n v\u1ec1 t\u00ecnh h\u00ecnh n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng nh\u01b0 […]\n","protected":false},"author":2604,"featured_media":47255,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2293],"tags":[],"class_list":["post-34099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"aioseo_notices":[],"yoast_head":"\nNghi\u00ean c\u1ee9u c\u1ee7a UOB: Ng\u01b0\u1eddi ti\u00eau d\u00f9ng Singapore l\u1ea1c quan v\u1ec1 n\u1ec1n kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd, m\u1eb7c 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