{"id":4334,"date":"2025-10-10T15:25:23","date_gmt":"2025-10-10T07:55:23","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4334"},"modified":"2025-10-12T15:13:01","modified_gmt":"2025-10-12T07:43:01","slug":"danh-gia-vi-the-sme-vietnam","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4334","title":{"rendered":"\u0110\u00e1nh gi\u00e1 v\u1ecb th\u1ebf SME Vi\u1ec7t Nam hi\u1ec7n nay so v\u1edbi c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n"},"content":{"rendered":"

\u0110\u00e1nh gi\u00e1 v\u1ecb th\u1ebf SME Vi\u1ec7t Nam hi\u1ec7n nay<\/strong> so v\u1edbi c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n <\/span>ph\u00e2n t\u00edch chi ti\u1ebft 4 ti\u00eau ch\u00ed (1)\u2013(4)<\/strong> t\u01b0\u01a1ng \u1ee9ng, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1eadp nh\u1eadt \u0111\u1ebfn 2025 v\u00e0 \u0111\u1ed1i chi\u1ebfu v\u1edbi chu\u1ea9n OECD\u2013ASEAN \u0111\u1ec3 \u0111\u1ecbnh v\u1ecb doanh nghi\u1ec7p Vi\u1ec7t Nam<\/span><\/p>\n

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\ud83c\uddfb\ud83c\uddf3 \u0110\u00c1NH GI\u00c1 M\u1ee8C \u0110\u1ed8 PH\u00c1T TRI\u1ec2N SME VI\u1ec6T NAM HI\u1ec6N NAY (2025)<\/strong><\/span><\/h2>\n
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Ti\u00eau ch\u00ed<\/strong><\/span><\/th>\nTh\u1ef1c tr\u1ea1ng SME Vi\u1ec7t Nam<\/strong><\/span><\/th>\nM\u1ee9c \u0111\u1ed9 \u0111\u00e1nh gi\u00e1 (theo thang 5 b\u1eadc: Y\u1ebfu \u2013 Trung b\u00ecnh \u2013 Kh\u00e1 \u2013 T\u1ed1t \u2013 Ti\u00ean ti\u1ebfn)<\/strong><\/span><\/th>\nNguy\u00ean nh\u00e2n \/ So s\u00e1nh qu\u1ed1c t\u1ebf<\/strong><\/span><\/th>\n\u0110\u1ecbnh h\u01b0\u1edbng c\u1ea3i thi\u1ec7n<\/strong><\/span><\/th>\n<\/tr>\n<\/thead>\n
(1) T\u1ef7 l\u1ec7 SME (SME Ratio)<\/strong><\/span><\/td>\n– Kho\u1ea3ng 97% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p<\/strong>, nh\u01b0ng \u0111\u00f3ng g\u00f3p ch\u1ec9 ~45% GDP<\/strong> v\u00e0 ~30% thu ng\u00e2n s\u00e1ch<\/strong>, ~60% vi\u1ec7c l\u00e0m<\/strong>. <\/span>
\n– N\u0103ng su\u1ea5t lao \u0111\u1ed9ng th\u1ea5p (b\u1eb1ng 35\u201340% DN l\u1edbn).<\/span><\/td>\n		\ud83d\udd38 Kh\u00e1 (3\/5)<\/strong><\/span><\/td>\nSo v\u1edbi Nh\u1eadt, \u0110\u1ee9c, Singapore (\u0111\u1ec1u >70% GDP), Vi\u1ec7t Nam c\u00f3 s\u1ed1 l\u01b0\u1ee3ng nhi\u1ec1u nh\u01b0ng quy m\u00f4 nh\u1ecf, gi\u00e1 tr\u1ecb t\u1ea1o ra th\u1ea5p.<\/span><\/td>\nT\u0103ng n\u0103ng su\u1ea5t v\u00e0 gi\u00e1 tr\u1ecb gia t\u0103ng; h\u1ed7 tr\u1ee3 R&D v\u00e0 qu\u1ea3n tr\u1ecb s\u1ed1 cho SME \u0111\u1ec3 t\u0103ng \u0111\u00f3ng g\u00f3p GDP.<\/span><\/td>\n<\/tr>\n
(2) C\u01a1 quan qu\u1ea3n l\u00fd ch\u00ednh<\/strong><\/span><\/td>\n– C\u1ee5c Ph\u00e1t tri\u1ec3n Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba thu\u1ed9c B\u1ed9 KH&\u0110T<\/strong>. <\/span>
\n– Ch\u01b0a c\u00f3 B\u1ed9 ri\u00eang<\/strong> nh\u01b0 H\u00e0n Qu\u1ed1c (MSS) hay c\u01a1 quan ngang B\u1ed9 nh\u01b0 Enterprise Singapore. <\/span>
\n– Ch\u00ednh s\u00e1ch SME ph\u00e2n t\u00e1n gi\u1eefa nhi\u1ec1u b\u1ed9 (KH&\u0110T, KH&CN, T\u00e0i ch\u00ednh, C\u00f4ng Th\u01b0\u01a1ng\u2026).<\/span><\/td>\n		\ud83d\udd38 Trung b\u00ecnh (2\/5)<\/strong><\/span><\/td>\nThi\u1ebfu t\u00ednh \u0111i\u1ec1u ph\u1ed1i v\u00e0 th\u1ed1ng nh\u1ea5t chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia; nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 ch\u1ed3ng ch\u00e9o.<\/span><\/td>\nTh\u00e0nh l\u1eadp C\u01a1 quan Ph\u00e1t tri\u1ec3n SME & Startup Qu\u1ed1c gia (NEDA)<\/strong> \u2013 tr\u1ef1c thu\u1ed9c Ch\u00ednh ph\u1ee7, t\u00edch h\u1ee3p ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh, c\u00f4ng ngh\u1ec7, th\u1ecb tr\u01b0\u1eddng.<\/span><\/td>\n<\/tr>\n
(3) C\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 (qu\u1ef9, ng\u00e2n h\u00e0ng, b\u1ea3o l\u00e3nh, grant…)<\/strong><\/span><\/td>\n– C\u00f3 Qu\u1ef9 Ph\u00e1t tri\u1ec3n SME (SMEDF)<\/strong> quy m\u00f4 nh\u1ecf (~2.000 t\u1ef7 \u0111\u1ed3ng), cho vay \u01b0u \u0111\u00e3i 80% v\u1ed1n d\u1ef1 \u00e1n. <\/span>
\n– M\u1ed9t s\u1ed1 qu\u1ef9 \u0111\u1ecba ph\u01b0\u01a1ng, ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh (VDB, BIDV) nh\u01b0ng th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p. <\/span>
\n– Thi\u1ebfu qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng qu\u1ed1c gia<\/strong>, qu\u1ef9 \u0111\u1ed3ng \u0111\u1ea7u t\u01b0 c\u00f4ng\u2013t\u01b0<\/strong>, grant \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o<\/strong>.<\/span><\/td>\n		\ud83d\udd38 Y\u1ebfu \u2013 Trung b\u00ecnh (2\/5)<\/strong><\/span><\/td>\nH\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 SME c\u1ee7a Vi\u1ec7t Nam c\u00f2n manh m\u00fan, \u00edt v\u1ed1n m\u1ea1o hi\u1ec3m. Trong khi c\u00e1c n\u01b0\u1edbc OECD c\u00f3 h\u1ec7 th\u1ed1ng qu\u1ef9 v\u00e0 ng\u00e2n h\u00e0ng SME ri\u00eang (JFC \u2013 Nh\u1eadt, KfW \u2013 \u0110\u1ee9c).<\/span><\/td>\nX\u00e2y SME Guarantee Fund Vi\u1ec7t Nam<\/strong> v\u00e0 Co-Investment Fund<\/strong> v\u1edbi khu v\u1ef1c t\u01b0 nh\u00e2n; \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c vay v\u1ed1n.<\/span><\/td>\n<\/tr>\n
(4) B\u00e0i h\u1ecdc r\u00fat ra \/ n\u0103ng l\u1ef1c h\u1ecdc h\u1ecfi qu\u1ed1c t\u1ebf<\/strong><\/span><\/td>\n– Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 Lu\u1eadt H\u1ed7 tr\u1ee3 SME (2017)<\/strong> nh\u01b0ng khung ch\u00ednh s\u00e1ch c\u00f2n thi\u00ean v\u1ec1 \u01b0u \u0111\u00e3i h\u00e0nh ch\u00ednh, ch\u01b0a g\u1eafn v\u1edbi \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o. <\/span>
\n– Li\u00ean k\u1ebft SME \u2013 \u0111\u1ea1i h\u1ecdc \u2013 vi\u1ec7n nghi\u00ean c\u1ee9u y\u1ebfu. <\/span>
\n– Thi\u1ebfu n\u1ec1n t\u1ea3ng s\u1ed1, c\u1ee5m SME c\u00f4ng ngh\u1ec7, v\u00e0 sandbox th\u1eed nghi\u1ec7m.<\/span><\/td>\n		\ud83d\udd38 Trung b\u00ecnh \u2013 Kh\u00e1 (3\/5)<\/strong><\/span><\/td>\nVi\u1ec7t Nam \u0111\u00e3 b\u1eaft \u0111\u1ea7u \u201ch\u1ecdc\u201d m\u00f4 h\u00ecnh H\u00e0n \u2013 Singapore (\u0110\u1ec1 \u00e1n 844, 939, 4889), nh\u01b0ng tri\u1ec3n khai ch\u01b0a th\u1ef1c ch\u1ea5t.<\/span><\/td>\nK\u1ebft h\u1ee3p ch\u00ednh s\u00e1ch SME + Startup; h\u00ecnh th\u00e0nh chu\u1ed7i SME c\u00f4ng ngh\u1ec7 s\u1ed1<\/strong>, sandbox fintech\/IP\/RWA; t\u00edch h\u1ee3p h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
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\ud83e\udded T\u1ed5ng k\u1ebft m\u1ee9c \u0111\u1ed9 chung c\u1ee7a SME Vi\u1ec7t Nam so v\u1edbi chu\u1ea9n OECD<\/strong><\/span><\/h3>\n
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Ti\u00eau ch\u00ed<\/span><\/th>\n\u0110i\u1ec3m trung b\u00ecnh (thang 5)<\/span><\/th>\nM\u1ee9c x\u1ebfp h\u1ea1ng<\/span><\/th>\nT\u00ecnh h\u00ecnh hi\u1ec7n t\u1ea1i<\/span><\/th>\n<\/tr>\n<\/thead>\n
(1) SME Ratio & \u0111\u00f3ng g\u00f3p kinh t\u1ebf<\/span><\/td>\n3.0<\/span><\/td>\nKh\u00e1<\/strong><\/span><\/td>\nS\u1ed1 l\u01b0\u1ee3ng nhi\u1ec1u nh\u01b0ng n\u0103ng su\u1ea5t th\u1ea5p<\/span><\/td>\n<\/tr>\n
(2) C\u01a1 quan qu\u1ea3n l\u00fd<\/span><\/td>\n2.0<\/span><\/td>\nTrung b\u00ecnh<\/strong><\/span><\/td>\nThi\u1ebfu c\u01a1 quan th\u1ed1ng nh\u1ea5t v\u00e0 ch\u00ednh s\u00e1ch t\u1eadp trung<\/span><\/td>\n<\/tr>\n
(3) C\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh<\/span><\/td>\n2.0<\/span><\/td>\nTrung b\u00ecnh \u2013 y\u1ebfu<\/strong><\/span><\/td>\nCh\u01b0a c\u00f3 h\u1ec7 th\u1ed1ng qu\u1ef9 v\u00e0 b\u1ea3o l\u00e3nh qu\u1ed1c gia<\/span><\/td>\n<\/tr>\n
(4) B\u00e0i h\u1ecdc \u2013 n\u0103ng l\u1ef1c c\u1ea3i ti\u1ebfn<\/span><\/td>\n3.0<\/span><\/td>\nKh\u00e1<\/strong><\/span><\/td>\nC\u00f3 khung lu\u1eadt nh\u01b0ng thi\u1ebfu th\u1ef1c thi v\u00e0 li\u00ean k\u1ebft h\u1ec7 sinh th\u00e1i<\/span><\/td>\n<\/tr>\n
\u2192 T\u1ed5ng th\u1ec3 trung b\u00ecnh: 2.5 \/ 5 (M\u1ee9c \u201c\u0110ang ph\u00e1t tri\u1ec3n \u2013 C\u1ea7n t\u00e1i c\u1ea5u tr\u00fac ch\u00ednh s\u00e1ch\u201d)<\/strong><\/span><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
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\ud83d\udd0d Nh\u1eadn \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c ng\u1eafn g\u1ecdn<\/strong><\/span><\/h2>\n

SME Vi\u1ec7t Nam nhi\u1ec1u v\u1ec1 l\u01b0\u1ee3ng, y\u1ebfu v\u1ec1 ch\u1ea5t<\/strong> \u2013 c\u1ea7n chuy\u1ec3n h\u01b0\u1edbng t\u1eeb \u201ch\u1ed7 tr\u1ee3 th\u1ee7 t\u1ee5c\u201d sang \u201ch\u1ed7 tr\u1ee3 t\u0103ng n\u0103ng su\u1ea5t, \u0111\u1ed5i m\u1edbi v\u00e0 th\u1ecb tr\u01b0\u1eddng\u201d.<\/span><\/p>\n

C\u1ee5 th\u1ec3:<\/span><\/p>\n

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  1. \n

    C\u1ea3i c\u00e1ch th\u1ec3 ch\u1ebf:<\/strong> C\u00f3 B\u1ed9\/\u1ee6y ban SME qu\u1ed1c gia.<\/span><\/p>\n<\/li>\n

  2. \n

    T\u00e0i ch\u00ednh th\u00f4ng minh:<\/strong> Qu\u1ef9 b\u1ea3o l\u00e3nh \u2013 Qu\u1ef9 \u0111\u1ed3ng \u0111\u1ea7u t\u01b0 \u2013 Sandbox t\u00e0i ch\u00ednh.<\/span><\/p>\n<\/li>\n

  3. \n

    H\u1ec7 sinh th\u00e1i \u0111\u1ed5i m\u1edbi:<\/strong> K\u1ebft n\u1ed1i vi\u1ec7n \u2013 tr\u01b0\u1eddng \u2013 doanh nghi\u1ec7p; ph\u00e1t tri\u1ec3n c\u1ee5m SME c\u00f4ng ngh\u1ec7.<\/span><\/p>\n<\/li>\n

  4. \n

    Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 b\u1eaft bu\u1ed9c:<\/strong> X\u00e2y n\u1ec1n t\u1ea3ng \u201cSME Digital Hub\u201d qu\u1ed1c gia \u0111\u1ec3 h\u1ed7 tr\u1ee3 qu\u1ea3n tr\u1ecb, k\u1ebf to\u00e1n, IP, v\u00e0 ph\u00e1p l\u00fd.<\/span><\/p>\n<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

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