82% doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba t\u1ea1i Vi\u1ec7t Nam ph\u00e1 s\u1ea3n kh\u00f4ng ph\u1ea3i v\u00ec thua l\u1ed7 \u2014 m\u00e0 v\u00ec c\u1ea1n ki\u1ec7t d\u00f2ng ti\u1ec1n. B\u1ea1n c\u00f3 th\u1ec3 c\u00f3 l\u1ee3i nhu\u1eadn tr\u00ean s\u1ed5 s\u00e1ch, nh\u01b0ng n\u1ebfu kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t \u0111\u1ec3 tr\u1ea3 l\u01b0\u01a1ng, tr\u1ea3 nh\u00e0 cung c\u1ea5p, doanh nghi\u1ec7p c\u1ee7a b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 s\u1ee5p \u0111\u1ed5. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 5 chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n thi\u1ebft th\u1ef1c cho ch\u1ee7 doanh nghi\u1ec7p Vi\u1ec7t.

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1. D\u1ef1 B\u00e1o D\u00f2ng Ti\u1ec1n 13 Tu\u1ea7n

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Thay v\u00ec ch\u1ec9 nh\u00ecn b\u00e1o c\u00e1o t\u00e0i ch\u00ednh cu\u1ed1i n\u0103m, h\u00e3y l\u1eadp b\u1ea3ng d\u1ef1 b\u00e1o d\u00f2ng ti\u1ec1n theo tu\u1ea7n cho 13 tu\u1ea7n t\u1edbi (m\u1ed9t qu\u00fd). Ghi r\u00f5: ti\u1ec1n v\u00e0o d\u1ef1 ki\u1ebfn (t\u1eeb kh\u00e1ch h\u00e0ng n\u00e0o, ng\u00e0y n\u00e0o), ti\u1ec1n ra d\u1ef1 ki\u1ebfn (l\u01b0\u01a1ng, thu\u00ea m\u1eb7t b\u1eb1ng, nh\u00e0 cung c\u1ea5p). C\u1eadp nh\u1eadt m\u1ed7i tu\u1ea7n. C\u00f4ng c\u1ee5: Google Sheets mi\u1ec5n ph\u00ed, kh\u00f4ng c\u1ea7n ph\u1ea7n m\u1ec1m \u0111\u1eaft ti\u1ec1n.

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2. R\u00fat Ng\u1eafn Chu K\u1ef3 Thu Ti\u1ec1n

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B\u00e0i to\u00e1n mu\u00f4n thu\u1edf c\u1ee7a SME Vi\u1ec7t: b\u00e1n h\u00e0ng xong, kh\u00e1ch n\u1ee3 30-60 ng\u00e0y m\u1edbi tr\u1ea3. Gi\u1ea3i ph\u00e1p:

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3. K\u00e9o Gi\u00e3n Chu K\u1ef3 Chi Ti\u1ec1n (C\u00f3 Chi\u1ebfn L\u01b0\u1ee3c)

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Kh\u00f4ng ph\u1ea3i tr\u1ea3 ch\u1eadm v\u00f4 t\u1ed9i v\u1ea1, m\u00e0 \u0111\u00e0m ph\u00e1n \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n c\u00f3 l\u1ee3i: 30-45 ng\u00e0y thay v\u00ec thanh to\u00e1n ngay. N\u1ebfu nh\u00e0 cung c\u1ea5p kh\u00f4ng \u0111\u1ed3ng \u00fd, \u0111\u1ec1 ngh\u1ecb \u0111\u1eb7t h\u00e0ng s\u1ed1 l\u01b0\u1ee3ng l\u1edbn h\u01a1n \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y th\u1eddi h\u1ea1n thanh to\u00e1n d\u00e0i h\u01a1n. Lu\u00f4n gi\u1eef uy t\u00edn \u2014 \u0111\u1eebng bao gi\u1edd \u0111\u1ec3 qu\u00e1 h\u1ea1n m\u00e0 kh\u00f4ng th\u00f4ng b\u00e1o tr\u01b0\u1edbc.

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4. Duy Tr\u00ec Qu\u1ef9 D\u1ef1 Ph\u00f2ng 3-6 Th\u00e1ng

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Quy t\u1eafc v\u00e0ng: lu\u00f4n c\u00f3 \u00edt nh\u1ea5t 3 th\u00e1ng chi ph\u00ed v\u1eadn h\u00e0nh trong t\u00e0i kho\u1ea3n. V\u1edbi SME, chi ph\u00ed v\u1eadn h\u00e0nh bao g\u1ed3m: l\u01b0\u01a1ng nh\u00e2n vi\u00ean, ti\u1ec1n thu\u00ea m\u1eb7t b\u1eb1ng, \u0111i\u1ec7n n\u01b0\u1edbc, v\u00e0 c\u00e1c chi ph\u00ed c\u1ed1 \u0111\u1ecbnh kh\u00e1c. Kho\u1ea3n d\u1ef1 ph\u00f2ng n\u00e0y l\u00e0 “phao c\u1ee9u sinh” khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng ho\u1eb7c kh\u00e1ch h\u00e0ng l\u1edbn ch\u1eadm thanh to\u00e1n.

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5. T\u00e1ch B\u1ea1ch T\u00e0i Ch\u00ednh C\u00e1 Nh\u00e2n V\u00e0 Doanh Nghi\u1ec7p

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\u0110\u00e2y l\u00e0 sai l\u1ea7m ph\u1ed5 bi\u1ebfn c\u1ee7a ch\u1ee7 SME Vi\u1ec7t: d\u00f9ng chung m\u1ed9t t\u00e0i kho\u1ea3n cho c\u1ea3 chi ti\u00eau gia \u0111\u00ecnh v\u00e0 doanh nghi\u1ec7p. H\u1eadu qu\u1ea3: kh\u00f4ng bi\u1ebft doanh nghi\u1ec7p th\u1ef1c s\u1ef1 l\u1eddi hay l\u1ed7, kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n. H\u00e3y m\u1edf t\u00e0i kho\u1ea3n doanh nghi\u1ec7p ri\u00eang v\u00e0 tr\u1ea3 l\u01b0\u01a1ng cho ch\u00ednh m\u00ecnh nh\u01b0 m\u1ed9t nh\u00e2n vi\u00ean. K\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh b\u1eaft \u0111\u1ea7u t\u1eeb s\u1ef1 t\u00e1ch b\u1ea1ch n\u00e0y.

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Qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n kh\u00f4ng ph\u1ea3i l\u00e0 vi\u1ec7c c\u1ee7a k\u1ebf to\u00e1n \u2014 \u0111\u00f3 l\u00e0 tr\u00e1ch nhi\u1ec7m s\u1ed1ng c\u00f2n c\u1ee7a ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u doanh nghi\u1ec7p. H\u00e3y d\u00e0nh 30 ph\u00fat m\u1ed7i tu\u1ea7n \u0111\u1ec3 ki\u1ec3m tra s\u1ed1 d\u01b0, \u0111\u1ed1i chi\u1ebfu d\u1ef1 b\u00e1o v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch.