{"id":1409,"date":"2017-08-27T16:44:43","date_gmt":"2017-08-27T16:44:43","guid":{"rendered":"https:\/\/blog.ngocha.biz\/?p=1409"},"modified":"2017-08-27T16:44:43","modified_gmt":"2017-08-27T16:44:43","slug":"thong-minh-tai-chinh-p10-ly-thuyet-tro-choi","status":"publish","type":"post","link":"https:\/\/blog.ngocha.biz\/?p=1409","title":{"rendered":"Th\u00f4ng minh t\u00e0i ch\u00ednh (P10 : L\u00fd thuy\u1ebft tr\u00f2 ch\u01a1i)"},"content":{"rendered":"
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\n 5\/5 – (14 votes) <\/div>\n<\/p><\/div>\n

N\u1ebfu b\u1ea1n mu\u1ed1n th\u1eafng m\u1ed9t tr\u00f2 ch\u01a1i n\u00e0o \u0111\u00f3 th\u00ec \u0111\u1ea7u ti\u00ean b\u1ea1n ph\u1ea3i bi\u1ebft lu\u1eadt ch\u01a1i sau \u0111\u00f3 m\u1edbi t\u00ednh t\u1edbi vi\u1ec7c r\u00e8n luy\u1ec7n \u0111\u1ec3 ch\u01a1i gi\u1ecfi. Ai tham d\u1ef1 m\u00f4n th\u1ec3 thao n\u00e0o \u0111\u00f3 ch\u1eafc \u0111\u1ec1u hi\u1ec3u \u0111i\u1ec1u \u0111\u00f3.<\/p>\n

B\u00f3ng \u0111\u00e1 l\u00e0 m\u1ed9t v\u00ed d\u1ee5. \u0110\u1ea7u ti\u00ean m\u1ed7i \u0111\u1ed9i \u0111\u1ec1u ph\u1ea3i bi\u1ebft l\u00e0 l\u00fac n\u00e0o h\u1ecd th\u1eafng v\u00ec n\u1ebfu kh\u00f4ng bi\u1ebft r\u00f5 th\u00ec c\u00f3 khi h\u1ecd \u0111\u00e1 v\u1ec1 l\u01b0\u1edbi m\u00ecnh. Sau \u0111\u00f3 h\u1ecd ph\u1ea3i bi\u1ebft qu\u00e1 tr\u00ecnh \u0111\u00f3 ph\u1ea3i tu\u00e2n th\u1ee7 lu\u1eadt l\u1ec7 g\u00ec, l\u00fac n\u00e0o th\u00ec vi\u1ec7t v\u1ecb, khi n\u00e0o th\u00ec ph\u1ea1m l\u1ed7i, h\u00ecnh ph\u1ea1t cho m\u1ed7i l\u1ed7i l\u00e0 g\u00ec. Sau \u0111\u00f3 h\u1ecd s\u1ebd ph\u1ea3i m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 r\u00e8n luy\u1ec7n th\u1ec3 l\u1ef1c, k\u1ef9 thu\u1eadt v\u00e0 c\u1ea3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c c\u1ea3m x\u00fac.<\/p>\n

Trong qu\u00e1 tr\u00ecnh b\u1ea1n \u0111i t\u1edbi m\u1ee5c ti\u00eau t\u1ef1 do t\u00e0i ch\u00ednh, b\u1ea1n s\u1ebd ph\u1ea3i tham d\u1ef1 r\u1ea5t nhi\u1ec1u tr\u00f2 ch\u01a1i. Tr\u00f2 ch\u01a1i l\u00e0 m\u1ed9t ng\u01b0\u1eddi l\u00e0m thu\u00ea, tr\u00f2 ch\u01a1i chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m, tr\u00f2 ch\u01a1i g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, tr\u00f2 ch\u01a1i tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00e0ng, ch\u1ee9ng kho\u00e1n..<\/p>\n

\"\"M\u1ed7i m\u1ed9t m\u00f4i tr\u01b0\u1eddng, m\u1ed7i m\u1ed9t th\u1ecb tr\u01b0\u1eddng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 khi n\u00e0o b\u1ea1n th\u1eafng, c\u00f3 nh\u1eefng lu\u1eadt l\u1ec7 ri\u00eang c\u1ee7a n\u00f3. Ch\u00fang ta \u0111a ph\u1ea7n \u0111\u1ec1u s\u1ed1ng v\u1edbi tr\u00f2 ch\u01a1i l\u00e0m thu\u00ea n\u00ean hi\u1ec3u kh\u00e1 r\u00f5 v\u1ec1 n\u00f3. C\u1ea7n ph\u1ea3i mang l\u1ea1i gi\u00e1 tr\u1ecb cho doanh nghi\u1ec7p th\u00f4ng qua c\u00e1c c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y nh\u1edd \u0111\u00f3 DN tr\u1ea3 l\u1ea1i cho b\u1ea1n thu nh\u1eadp. C\u00e0ng mang l\u1ea1i gi\u00e1 tr\u1ecb th\u00ec l\u01b0\u01a1ng c\u00e0ng cao, m\u00e0 c\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng gi\u00fap nh\u1eefng ng\u01b0\u1eddi kh\u00e1c mang l\u1ea1i gi\u00e1 tr\u1ecb th\u00ec c\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng th\u0103ng ti\u1ebfn trong ngh\u1ec1 nghi\u1ec7p.<\/p>\n

Trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c \u0111\u1ec3 c\u00f3 thu nh\u1eadp \u0111\u00f3 b\u1ea1n ph\u1ea3i tu\u00e2n th\u1ee7 n\u1ed9i quy c\u00f4ng ty, tu\u00e2n th\u1ee7 v\u0103n h\u00f3a doanh nghi\u1ec7p, tu\u00e2n th\u1ee7 m\u00f4i tr\u01b0\u1eddng kinh doanh, tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt,….Kh\u00f4ng tu\u00e2n th\u1ee7 \u0111\u00fang lu\u1eadt ch\u01a1i b\u1ea1n b\u1ecb tr\u1ea3 gi\u00e1.<\/p>\n

M\u1edf doanh nghi\u1ec7p, \u0111\u1ea7u t\u01b0 tr\u00ean th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i h\u1ed1i, th\u1ecb tr\u01b0\u1eddng v\u00e0ng, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n,… m\u1ed7i lo\u1ea1i c\u0169ng c\u00f3 lu\u1eadt ch\u01a1i ri\u00eang c\u1ee7a n\u00f3. T\u1ea5t nhi\u00ean hi\u1ec3u lu\u1eadt ch\u01a1i sau \u0111\u00f3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi th\u1eafng cu\u1ed9c c\u00f2n \u0111\u00f2i h\u1ecfi s\u1ef1 r\u00e8n luy\u1ec7n, nh\u01b0ng nh\u1edb r\u1eb1ng n\u1ebfu b\u1ea1n kh\u00f4ng hi\u1ec3u tr\u00f2 ch\u01a1i m\u00e0 \u0111\u00e3 b\u1eaft tay v\u00e0o ch\u01a1i th\u00ec ch\u1eb3ng c\u00f3 hy v\u1ecdng n\u00e0o c\u1ea3. N\u00f3 c\u0169ng gi\u1ed1ng nh\u01b0 t\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf, t\u00f4i c\u00f3 200 tri\u1ec7u mua v\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m A, c\u1ea7m gi\u1eef k\u1ec7 m\u1ecdi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng v\u1edbi suy ngh\u0129 \u0111\u01a1n gi\u1ea3n r\u1eb1ng gi\u00e1 v\u00e0ng s\u1ebd t\u0103ng v\u1ec1 d\u00e0i h\u1ea1n, t\u1edbi th\u1eddi \u0111i\u1ec3m B khi r\u1ea5t c\u1ea7n ti\u1ec1n m\u1eb7t b\u00e1n ra th\u00ec l\u00fac \u0111\u00f3 gi\u00e1 v\u00e0ng \u0111ang \u1edf \u0111i\u1ec3m th\u1ea5p h\u01a1n c\u1ea3 th\u1eddi \u0111i\u1ec3m mua. T\u00f4i \u0111\u00e3 thua tr\u00f2 ch\u01a1i \u0111\u00f3 v\u00ec kh\u00f4ng hi\u1ec3u v\u1ec1 lu\u1eadt ch\u01a1i c\u1ee7a n\u00f3.<\/p>\n

M\u1ed9t v\u1eadn \u0111\u1ed9ng vi\u00ean luy\u1ec7n t\u1eadp h\u00e0ng ng\u00e0y trong nhi\u1ec1u n\u0103m ch\u1ec9 \u0111\u1ec3 nh\u1eb1m t\u1edbi m\u1ed9t m\u1ee5c ti\u00eau th\u1eafng trong m\u1ed9t v\u00e0i l\u1ea7n thi \u0111\u1ea5u. C\u00f2n ch\u00fang ta, nh\u1eefng v\u1eadn \u0111\u1ed9ng vi\u00ean b\u1ea5t \u0111\u1eafc d\u0129, ch\u1ea1y tr\u00ean con \u0111\u01b0\u1eddng t\u00e0i ch\u00ednh th\u00ec ch\u1ec9 t\u1eadp t\u00ed ch\u00fat tr\u01b0\u1edbc thi \u0111\u1ea5u, \u0111\u1eb7t c\u01b0\u1ee3c ti\u1ec1n trong nhi\u1ec1u n\u0103m t\u00edch l\u0169y v\u1edbi hy v\u1ecdng c\u00f3 th\u1ec3 th\u1eafng. Bu\u1ed3n th\u1ea3m thay.<\/p>\n

Lo\u1ea1i tr\u00f2 ch\u01a1i:<\/p>\n

Ng\u1ed3i bu\u1ed5n r\u1ee7 th\u1eb1ng b\u1ea1c \u0111\u00e1nh b\u1ea1c, t\u1ea1m \u0111\u1eb7t t\u00ean cho th\u1eb1ng b\u1ea1n l\u00e0 L\u01b0\u1ee3m. T\u00f4i c\u00f3 1 tri\u1ec7u, L\u01b0\u1ee3m c\u0169ng c\u00f3 1 tri\u1ec7u. Ch\u00fang t\u00f4i \u0111\u00e1nh b\u1ea1c c\u1ea3 ng\u00e0y, b\u1ea1n bi\u1ebft ai th\u1eafng kh\u00f4ng? Kh\u00f3 m\u00e0 \u0111o\u00e1n \u0111\u01b0\u1ee3c \"\"nh\u01b0ng b\u1ea1n bi\u1ebft ch\u1eafc ch\u1eafn r\u1eb1ng t\u1ed5ng s\u1ed1 2 tri\u1ec7u \u0111\u00f3 kh\u00f4ng \u0111\u1ed5i. T\u00f4i th\u1eafng th\u00ec L\u01b0\u1ee3m thua m\u00e0 T\u00f4i thua th\u00ec L\u01b0\u1ee3m th\u1eafng, cho d\u00f9 th\u1ebf n\u00e0o th\u00ec t\u1ed5ng \u0111\u00f3 c\u0169ng v\u1eabn 2 tri\u1ec7u cho d\u00f9 ch\u00fang t\u00f4i c\u00f3 \u0111\u00e1nh ng\u00e0y n\u00e0y qua ng\u00e0y kh\u00e1c, n\u0103m n\u00e0y qua n\u0103m kh\u00e1c. \u0110\u00f3 l\u00e0 tr\u00f2 ch\u01a1i c\u00f3 t\u1ed5ng b\u1eb1ng kh\u00f4ng<\/strong>, c\u00f3 ng\u01b0\u1eddi th\u1eafng th\u00ec ch\u1eafc ch\u1eafn ph\u1ea3i c\u00f3 ng\u01b0\u1eddi thua. N\u1ebfu L\u01b0\u1ee3m th\u1eafng 500.000 \u0111 th\u00ec c\u00f3 ngh\u0129a r\u1eb1ng t\u00f4i \u0111\u00e3 thua 500.000 \u0111 v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n

Ng\u1ed3i nh\u00e0 b\u00e0i b\u1ea1c c\u0169ng bu\u1ed3n, \u0111\u1ec3 \u0111\u1ed5i kh\u00f4ng kh\u00ed ch\u00fang t\u00f4i di chuy\u1ec3n ra h\u00e0ng tr\u00e0 \u0111\u00e1. C\u00f4 ch\u1ee7 qu\u00e1n xinh \u0111\u1eb9p kh\u00f4ng cho ch\u00fang t\u00f4i ng\u1ed3i kh\u00f4ng, ch\u00fang t\u00f4i ph\u1ea3i u\u1ed1ng m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3, u\u1ed1ng h\u1ebft th\u00ec l\u1ea1i ph\u1ea3i \u0103n m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3. L\u00e0 ng\u01b0\u1eddi v\u0103n minh, t\u00f4i v\u00e0 L\u01b0\u1ee3m th\u1ed1ng nh\u1ea5t l\u00e0 ai \u0103n th\u00ec ng\u01b0\u1eddi \u0111\u1ea5y ph\u1ea3i tr\u1ea3 ti\u1ec1n. B\u1ea1n ch\u1eafc c\u0169ng kh\u00f4ng \u0111o\u00e1n \u0111\u01b0\u1ee3c ai th\u1eafng ai thua nh\u01b0ng b\u1ea1n bi\u1ebft ch\u1eafc ch\u1eafn m\u1ed9t \u0111i\u1ec1u r\u1eb1ng t\u1ed5ng s\u1ed1 \"\"ti\u1ec1n c\u1ee7a t\u00f4i v\u00e0 L\u01b0\u1ee3m \u0111\u00e3 kh\u00f4ng c\u00f2n c\u1ed1 \u0111\u1ecbnh 2 tri\u1ec7u n\u1eefa, n\u00f3 s\u1ebd gi\u1ea3m d\u1ea7n theo th\u1eddi gian ch\u00fang t\u00f4i ng\u1ed3i \u1edf \u0111\u00f3. \u0110\u00f3 l\u00e0 tr\u00f2 ch\u01a1i c\u00f3 t\u1ed5ng \u00e2m<\/strong>, n\u01a1i xu\u1ea5t hi\u1ec7n th\u00eam t\u00ecnh hu\u1ed1ng r\u1eb1ng c\u1ea3 t\u00f4i v\u00e0 L\u01b0\u1ee3m \u0111\u1ec1u thua, s\u1ed1 ti\u1ec1n m\u1ed7i ng\u01b0\u1eddi c\u00f3 \u0111\u01b0\u1ee3c th\u1ea5p h\u01a1n s\u1ed1 ti\u1ec1n 1 tri\u1ec7u ban \u0111\u1ea7u. N\u1ebfu ch\u00fang t\u00f4i \u0111\u00e1nh \u0111\u1ebfn v\u00f4 c\u00f9ng th\u1eddi gian th\u00ec s\u1ebd c\u00f3 th\u00eam m\u1ed9t k\u1ebft qu\u1ea3 c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 c\u1ea3 t\u00f4i v\u00e0 L\u01b0\u1ee3m \u0111\u1ec1u kh\u00f4ng c\u00f2n xu n\u00e0o.<\/p>\n

Khi ch\u00fang t\u00f4i \u0111\u00e1nh b\u1ea1c v\u1edbi nhau, nhi\u1ec1u ng\u01b0\u1eddi cu\u1ed1n h\u00fat v\u00e0o ho\u1ea1t \u0111\u1ed9ng … v\u0103n minh \u0111\u00f3 n\u00ean x\u00fam t\u1edbi xem. C\u00e0ng ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi t\u1edbi xem khi\u1ebfn cho ch\u00fang t\u00f4i c\u1ea3m th\u1ea5y r\u1ea5t kh\u00f4ng tho\u1ea3i m\u00e1i. \u0110\u1ec3 h\u1ea1n ch\u1ebf ng\u01b0\u1eddi xem ch\u00fang t\u00f4i quy \u0111\u1ecbnh v\u00e9 cho 1 v\u00e1n xem l\u00e0 10.000 \u0111. Ch\u00fang t\u00f4i chia \"\"\u0111\u00f4i s\u1ed1 ti\u1ec1n \u0111\u00f3 m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c 5000\u0111. V\u00ec ch\u00fang t\u00f4i ch\u1ec9 c\u00f3 10 ch\u1ed7 ng\u1ed3i xung quanh n\u00ean c\u1ee9 khi s\u1ed1 ng\u01b0\u1eddi x\u1ebfp h\u00e0ng b\u00ean ngo\u00e0i t\u0103ng th\u00ec ch\u00fang t\u00f4i l\u1ea1i t\u0103ng v\u00e9, khi s\u1ed1 ng\u01b0\u1eddi \u0111\u1ee3i xem \u00edt ho\u1eb7c c\u00f2n th\u1eeba ch\u1ed7 ch\u00fang t\u00f4i gi\u1ea3m v\u00e9. Ch\u00fang t\u00f4i \u0111\u00e3 tham d\u1ef1 v\u00e0o tr\u00f2 ch\u01a1i c\u00f3 t\u1ed5ng l\u1edbn h\u01a1n kh\u00f4ng<\/strong>, s\u1ebd c\u00f3 th\u00eam t\u00ecnh hu\u1ed1ng c\u1ea3 hai \u0111\u1ec1u th\u1eafng, c\u00f3 h\u01a1n 1 tri\u1ec7u (s\u1ed1 ti\u1ec1n ban \u0111\u1ea7u).<\/p>\n

Quay l\u1ea1i v\u1edbi tr\u00f2 ch\u01a1i c\u00f3 t\u1ed5ng b\u1eb1ng kh\u00f4ng. T\u00f4i v\u00e0 L\u01b0\u1ee3m xu\u1ea5t ph\u00e1t \u0111i\u1ec3m ch\u1ec9 c\u00f3 1 tri\u1ec7u \u0111\u1ed3ng. Ch\u1ec9 sau h\u01a1n 1 gi\u1edd th\u00ec t\u00f4i \u0111\u00e3 th\u1eafng to\u00e0n b\u1ed9 1 tri\u1ec7u c\u1ee7a L\u01b0\u1ee3m, t\u00f4i \u0111\u00e3 c\u00f3 t\u1ed5ng 2 tri\u1ec7u \u0111\u1ed3ng. L\u01b0\u1ee3m ngh\u0129 t\u1edbi nh\u1eefng \u0111\u1ee9a con \u0111\u00f3i \u0103n \u0111\u1ee3i \u1edf nh\u00e0, anh mu\u1ed1n ti\u1ebfp t\u1ee5c th\u1eed v\u1eadn may c\u1ee7a m\u00ecnh, anh ta vay t\u00f4i 1 tri\u1ec7u, \u0111\u1ec3 l\u00e0m b\u1eb1ng ch\u1ee9ng cho giao d\u1ecbch vay anh ta \u0111\u01b0a t\u00f4i m\u1ed9t t\u1edd gi\u1ea5y tr\u00ean \u0111\u00f3 ghi r\u1eb1ng anh ta n\u1ee3 t\u00f4i 1 tri\u1ec7u. Ch\u00fang t\u00f4i \u0111\u00e3 s\u1ea3n xu\u1ea5t ra “ti\u1ec1n” t\u1eeb kh\u00f4ng kh\u00ed, gi\u1edd ch\u00fang t\u00f4i c\u00f3 t\u1ed5ng l\u00e0 2 tri\u1ec7u ti\u1ec1n m\u1eb7t + 1 t\u1edd gi\u1ea5y c\u00f3 gi\u00e1 1 tri\u1ec7u = 3 tri\u1ec7u.<\/p>\n

L\u01b0\u1ee3m l\u1ea1i ti\u1ebfp t\u1ee5c thua v\u00e0 anh ta l\u1ea1i ph\u1ea3i vay t\u00f4i ti\u1ec1n. Ch\u1eebng n\u00e0o t\u00f4i c\u00f2n tin v\u00e0o kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a L\u01b0\u1ee3m th\u00ec t\u00f4i c\u00f2n cho anh ta vay v\u00e0 t\u1ed5ng ti\u1ec1n v\u1eabn c\u1ee9 ti\u1ebfp t\u1ee5c t\u0103ng l\u00ean; lu\u00f4n lu\u00f4n c\u00f3 2 tri\u1ec7u ti\u1ec1n m\u1eb7t v\u00e0 s\u1ed1 c\u00f2n l\u1ea1i l\u00e0 gi\u1ea5y ghi n\u1ee3. Th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 L\u01b0\u1ee3m ch\u1eb3ng c\u00f3 xu n\u00e0o \u1edf nh\u00e0, anh ta ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. M\u1ed9t l\u00fac n\u00e0o \u0111\u00f3 t\u00f4i nghi ng\u1edd kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a L\u01b0\u1ee3m m\u00e0 \u0111\u00f2i ti\u1ec1n n\u1ee3 th\u00ec c\u00f3 th\u1ec3 L\u01b0\u1ee3m s\u1ebd tung h\u00ea t\u1ea5t c\u1ea3 v\u00e0 qu\u1ef5t n\u1ee3. L\u00fac \u0111\u00f3 h\u1eb3n t\u00f4i s\u1ebd \u0111au l\u00f2ng l\u1eafm v\u00e0 h\u1ee9a v\u1edbi l\u00f2ng m\u00ecnh s\u1ebd kh\u00f4ng cho h\u1eafn vay ho\u1eb7c b\u1ea5t c\u1ee9 ai vay.<\/p>\n

T\u00f4i th\u00ec lo ngh\u0129 l\u00e0m sao \u0111\u1ec3 \u0111\u00f2i n\u1ee3, L\u01b0\u1ee3m th\u00ec lo ngh\u0129 l\u00e0m sao \u0111\u1ec3 vay th\u00eam ti\u1ec1n. \u0110\u1ec3 tho\u1ea3i m\u00e1i c\u1ea3 hai, ch\u00fang t\u00f4i nh\u1edd m\u1ed9t ng\u01b0\u1eddi l\u00e0m vai tr\u00f2 \u0111\u00f3 t\u1ea1m g\u1ecdi l\u00e0 Ng\u00e2n h\u00e0ng. Anh ta s\u1ebd cho L\u01b0\u1ee3m vay ti\u1ec1n v\u00e0 t\u1ef1 t\u00ecm c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n \u0111\u00f3. Ng\u00e2n h\u00e0ng r\u1ea5t mu\u1ed1n L\u01b0\u1ee3m vay nhi\u1ec1u ti\u1ec1n v\u00ec anh ta s\u1ebd thu th\u00eam l\u00e3i tr\u00ean m\u1ed7i kho\u1ea3n vay, anh ta c\u00f3 th\u1ec3 cho L\u01b0\u1ee3m vay d\u01b0\u1edbi chu\u1ea9n c\u00f3 ngh\u0129a l\u00e0 gi\u00e1 tr\u1ecb th\u1ebf ch\u1ea5p th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi s\u1ed1 ti\u1ec1n anh ta vay. Gi\u1ea3 \u0111\u1ecbnh l\u00e0 ng\u00e2n h\u00e0ng l\u00fac \u0111\u1ea7u kh\u00f4ng c\u00f3 xu n\u00e0o, \u0111\u1ec3 anh ta cho L\u01b0\u1ee3m vay 1 tri\u1ec7u th\u00ec anh ta s\u1ebd vay t\u00f4i 1 tri\u1ec7u v\u00e0 tr\u1ea3 l\u00e3i su\u1ea5t. Ng\u00e2n h\u00e0ng vay t\u00f4i v\u1edbi l\u00e3i su\u1ea5t 6%, c\u00f2n cho l\u01b0\u1ee3m vay v\u1edbi l\u00e3i 10%.<\/p>\n

T\u00f4i, L\u01b0\u1ee3m v\u00e0 ng\u00e2n h\u00e0ng c\u00f9ng nhau t\u1ea1o ra ti\u1ec1n trong m\u1ed7i v\u00f2ng quay. T\u00f4i ng\u00e0y c\u00e0ng c\u00f3 th\u00eam ti\u1ec1n (ti\u1ec1n m\u1eb7t v\u00e0 gi\u1ea5y ghi n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng), ng\u00e2n h\u00e0ng<\/a> ng\u00e0y c\u00e0ng c\u00f3 th\u00eam ti\u1ec1n t\u1eeb ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t, L\u01b0\u1ee3m ng\u00e0y c\u00e0ng ph\u1ea3i vay nhi\u1ec1u. R\u1ed3i m\u1ed9t ng\u00e0y \u0111\u1eb9p tr\u1eddi L\u01b0\u1ee3m qu\u1ef5t n\u1ee3, ng\u00e2n h\u00e0ng c\u00f3 m\u1ed9t c\u1ee5c n\u1ee3 x\u1ea5u.<\/p>\n

T\u00f3m l\u1ea1i ch\u00fang ta c\u00f3 3 lo\u1ea1i tr\u00f2 ch\u01a1i:<\/strong><\/p>\n