{"id":12244,"date":"2025-07-07T10:53:42","date_gmt":"2025-07-07T03:53:42","guid":{"rendered":"https:\/\/base.vn\/blog\/?p=12244"},"modified":"2025-07-07T10:54:59","modified_gmt":"2025-07-07T03:54:59","slug":"ke-hoach-tai-chinh","status":"publish","type":"post","link":"https:\/\/base.vn\/blog\/ke-hoach-tai-chinh\/","title":{"rendered":"H\u01b0\u1edbng d\u1eabn 8 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh b\u00e0i b\u1ea3n v\u00e0 d\u1ec5 \u00e1p d\u1ee5ng"},"content":{"rendered":"\n<p><strong>L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong> kh\u00f4ng ch\u1ec9 l\u00e0 b\u00e0i to\u00e1n v\u1ec1 con s\u1ed1, m\u00e0 c\u00f2n l\u00e0 kim ch\u1ec9 nam gi\u00fap doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro hi\u1ec7u qu\u1ea3. D\u00f9 b\u1ea1n l\u00e0 startup hay doanh nghi\u1ec7p \u0111ang m\u1edf r\u1ed9ng, m\u1ed9t b\u1ea3n k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng s\u1ebd gi\u00fap \u0111\u1ecbnh h\u01b0\u1edbng d\u00f2ng ti\u1ec1n, t\u1ed1i \u01b0u ngu\u1ed3n l\u1ef1c v\u00e0 ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c \u0111\u00fang l\u00fac. B\u00e0i vi\u1ebft n\u00e0y <a href=\"https:\/\/base.vn\/?utm_source=base-blog&amp;utm_content=base.vn\/ke-hoach-tai-chinh\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base.vn<\/a> s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n 8 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf v\u00e0 hi\u1ec7u qu\u1ea3 cho doanh nghi\u1ec7p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-quy-trinh-8-b\u01b0\u1edbc-l\u1eadp-k\u1ebf-ho\u1ea1ch-tai-chinh\"><strong>1. Quy tr\u00ecnh 8 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-1-xac-d\u1ecbnh-m\u1ee5c-tieu-tai-chinh\"><strong>B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong><\/h3>\n\n\n\n<p>Tr\u01b0\u1edbc khi b\u1eaft tay v\u00e0o l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh, nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, bao g\u1ed3m c\u00e1c ch\u1ec9 ti\u00eau v\u1ec1 l\u1ee3i nhu\u1eadn, doanh thu, t\u0103ng tr\u01b0\u1edfng, ho\u1eb7c l\u1ee3i t\u1ee9c \u0111\u1ea7u t\u01b0. C\u00e1c m\u1ee5c ti\u00eau n\u00e0y \u0111\u00f3ng vai tr\u00f2 \u0111\u1ecbnh h\u01b0\u1edbng cho to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh <a href=\"https:\/\/base.vn\/blog\/lap-ke-hoach\/\" target=\"_blank\" rel=\"noreferrer noopener\">l\u1eadp k\u1ebf ho\u1ea1ch<\/a> v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: M\u1ed9t c\u00f4ng ty s\u1ea3n xu\u1ea5t c\u00f3 th\u1ec3 \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng doanh thu 20% trong n\u0103m t\u1edbi th\u00f4ng qua vi\u1ec7c m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m m\u1edbi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-2-phan-tich-tinh-hinh-tai-chinh-hi\u1ec7n-t\u1ea1i\"><strong>B\u01b0\u1edbc 2: Ph\u00e2n t\u00edch t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i<\/strong><\/h3>\n\n\n\n<p>Nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n ti\u1ebfn h\u00e0nh ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i th\u00f4ng qua c\u00e1c <a href=\"https:\/\/base.vn\/blog\/bao-cao-tai-chinh\/\" target=\"_blank\" rel=\"noreferrer noopener\">b\u00e1o c\u00e1o t\u00e0i ch\u00ednh<\/a>, ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 c\u00e1c th\u00f4ng tin li\u00ean quan. Th\u00f4ng qua \u0111\u00f3, nh\u00e0 qu\u1ea3n tr\u1ecb s\u1ebd hi\u1ec3u r\u00f5 h\u01a1n c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 doanh thu, l\u1ee3i nhu\u1eadn, d\u00f2ng ti\u1ec1n, c\u1ea5u tr\u00fac v\u1ed1n v\u00e0 n\u1ee3.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: Gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh nh\u1eadn th\u1ea5y l\u1ee3i nhu\u1eadn r\u00f2ng c\u1ee7a c\u00f4ng ty gi\u1ea3m 5% v\u00e0 d\u00f2ng ti\u1ec1n t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh gi\u1ea3m 10 t\u1ef7 \u0111\u1ed3ng trong n\u0103m v\u1eeba qua, t\u1eeb \u0111\u00f3 nh\u1eadn di\u1ec7n c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh ti\u1ec1m \u1ea9n c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ed1i ph\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-3-l\u1eadp-bao-cao-tai-chinh-d\u1ef1-ki\u1ebfn\"><strong>B\u01b0\u1edbc 3: L\u1eadp b\u00e1o c\u00e1o t\u00e0i ch\u00ednh d\u1ef1 ki\u1ebfn<\/strong><\/h3>\n\n\n\n<p>D\u1ef1a tr\u00ean m\u1ee5c ti\u00eau v\u00e0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i, nh\u00e0 qu\u1ea3n tr\u1ecb s\u1ebd l\u1eadp b\u00e1o c\u00e1o t\u00e0i ch\u00ednh d\u1ef1 b\u00e1o v\u1ec1 doanh thu, chi ph\u00ed, l\u1ee3i nhu\u1eadn, v\u00e0 d\u00f2ng ti\u1ec1n trong th\u1eddi gian s\u1eafp t\u1edbi. B\u00e1o c\u00e1o n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5<em>:<\/em> M\u1ed9t c\u00f4ng ty s\u1ea3n xu\u1ea5t d\u1ef1 b\u00e1o: doanh thu trong n\u0103m t\u1edbi \u0111\u1ea1t 50 t\u1ef7 \u0111\u1ed3ng, v\u1edbi chi ph\u00ed v\u1eadn h\u00e0nh 40 t\u1ef7 \u0111\u1ed3ng v\u00e0 l\u1ee3i nhu\u1eadn r\u00f2ng thu \u0111\u01b0\u1ee3c l\u00e0 10 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-4-xac-d\u1ecbnh-ngu\u1ed3n-v\u1ed1n-co-s\u1eb5n-va-d\u1ef1-ki\u1ebfn-v\u1ed1n-cho-t\u01b0\u01a1ng-lai\"><strong>B\u01b0\u1edbc 4: X\u00e1c \u0111\u1ecbnh ngu\u1ed3n v\u1ed1n c\u00f3 s\u1eb5n v\u00e0 d\u1ef1 ki\u1ebfn v\u1ed1n cho t\u01b0\u01a1ng lai<\/strong><\/h3>\n\n\n\n<p>Nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n x\u00e1c \u0111\u1ecbnh ngu\u1ed3n v\u1ed1n hi\u1ec7n c\u00f3, bao g\u1ed3m v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu v\u00e0 thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ed3ng th\u1eddi d\u1ef1 ki\u1ebfn c\u00e1c ngu\u1ed3n t\u00e0i ch\u00ednh t\u1eeb b\u00ean ngo\u00e0i trong t\u01b0\u01a1ng lai nh\u01b0 vay ng\u00e2n h\u00e0ng ho\u1eb7c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: M\u1ed9t startup c\u00f3 80% v\u1ed1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 20% t\u1eeb doanh thu ho\u1ea1t \u0111\u1ed9ng, \u0111\u1ed3ng th\u1eddi \u0111ang c\u00e2n nh\u1eafc ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u0111\u1ec3 huy \u0111\u1ed9ng th\u00eam v\u1ed1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-5-phan-b\u1ed5-ngan-sach-chi-ti\u1ebft-cho-t\u1eebng-ho\u1ea1t-d\u1ed9ng\"><strong>B\u01b0\u1edbc 5: Ph\u00e2n b\u1ed5 ng\u00e2n s\u00e1ch chi ti\u1ebft cho t\u1eebng ho\u1ea1t \u0111\u1ed9ng<\/strong><\/h3>\n\n\n\n<p>D\u1ef1a tr\u00ean b\u00e1o c\u00e1o d\u1ef1 ki\u1ebfn v\u00e0 ngu\u1ed3n v\u1ed1n, nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n l\u1eadp <a href=\"https:\/\/base.vn\/blog\/budget-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">ng\u00e2n s\u00e1ch<\/a> cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 nh\u01b0 ti\u1ebfp th\u1ecb, nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m, qu\u1ea3n l\u00fd r\u1ee7i ro, v\u00e0 \u0111\u1ea7u t\u01b0. Ph\u00e2n b\u1ed5 ng\u00e2n s\u00e1ch c\u00e0ng chi ti\u1ebft th\u00ec qu\u1ea3n l\u00fd ngu\u1ed3n l\u1ef1c c\u00e0ng hi\u1ec7u qu\u1ea3.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: M\u1ed9t c\u00f4ng ty b\u00e1n l\u1ebb ph\u00e2n b\u1ed5 3 t\u1ef7 \u0111\u1ed3ng cho qu\u1ea3ng c\u00e1o tr\u1ef1c tuy\u1ebfn v\u00e0 kh\u1ea3o s\u00e1t th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea3m b\u1ea3o ngu\u1ed3n l\u1ef1c \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1ed1i \u01b0u cho ho\u1ea1t \u0111\u1ed9ng ti\u1ebfp th\u1ecb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-6-qu\u1ea3n-ly-dong-ti\u1ec1n\"><strong>B\u01b0\u1edbc 6: Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n<\/strong><\/h3>\n\n\n\n<p>Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n gi\u00fap doanh nghi\u1ec7p \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh lu\u00f4n \u0111\u01b0\u1ee3c tu\u1ea7n ho\u00e0n. Ho\u1ea1t \u0111\u1ed9ng n\u00e0y bao g\u1ed3m vi\u1ec7c theo d\u00f5i thu chi h\u00e0ng ng\u00e0y, d\u1ef1 b\u00e1o d\u00f2ng ti\u1ec1n v\u00e0 t\u1ed1i \u01b0u h\u00f3a qu\u1ef9 ti\u1ec1n m\u1eb7t.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: M\u1ed9t c\u00f4ng ty d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd d\u00f2ng ti\u1ec1n v\u1edbi thu nh\u1eadp 50 t\u1ef7 \u0111\u1ed3ng v\u00e0 chi ti\u00eau 30 t\u1ef7 \u0111\u1ed3ng trong qu\u00fd, t\u1ea1o ra d\u00f2ng ti\u1ec1n d\u01b0\u01a1ng l\u00e0 20 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-7-xay-d\u1ef1ng-bao-cao-tai-chinh-tr\u1ef1c-quan\"><strong>B\u01b0\u1edbc 7: X\u00e2y d\u1ef1ng b\u00e1o c\u00e1o t\u00e0i ch\u00ednh tr\u1ef1c quan<\/strong><\/h3>\n\n\n\n<p>Nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n chu\u1ea9n b\u1ecb c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng, d\u1ec5 hi\u1ec3u v\u00e0 tr\u1ef1c quan \u0111\u1ec3 tr\u00ecnh b\u00e0y v\u1edbi c\u00e1c b\u00ean li\u00ean quan c\u1ea3 trong l\u1eabn ngo\u00e0i doanh nghi\u1ec7p. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, vi\u1ec7c t\u1ea1o b\u00e1o c\u00e1o theo th\u1eddi gian th\u1ef1c ho\u1eb7c trong nh\u1eefng kho\u1ea3ng th\u1eddi gian c\u1ee5 th\u1ec3 tr\u1edf n\u00ean c\u1ef1c k\u1ef3 d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng, v\u1edbi nhi\u1ec1u \u0111\u1ecbnh d\u1ea1ng nh\u01b0 bi\u1ec3u \u0111\u1ed3 v\u00e0 \u0111\u1ed3 th\u1ecb sinh \u0111\u1ed9ng.<\/p>\n\n\n\n<p>Nh\u00e0 qu\u1ea3n tr\u1ecb ch\u1ec9 c\u1ea7n ch\u1ecdn c\u00e1c ch\u1ec9 ti\u00eau t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecbnh d\u1ea1ng b\u00e1o c\u00e1o m\u00e0 m\u00ecnh c\u1ea7n t\u1eeb b\u1ea3ng \u0111i\u1ec1u khi\u1ec3n (dashboard) c\u1ee7a ph\u1ea7n m\u1ec1m, ph\u1ea7n c\u00f2n l\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng x\u1eed l\u00fd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-8-theo-doi-danh-gia-va-di\u1ec1u-ch\u1ec9nh-k\u1ebf-ho\u1ea1ch-d\u1ecbnh-k\u1ef3\"><strong>B\u01b0\u1edbc 8: Theo d\u00f5i, \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch \u0111\u1ecbnh k\u1ef3<\/strong><\/h3>\n\n\n\n<p>Cu\u1ed1i c\u00f9ng, nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n th\u01b0\u1eddng xuy\u00ean gi\u00e1m s\u00e1t, \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u1ef1a tr\u00ean s\u1ed1 li\u1ec7u th\u1ef1c t\u1ebf. Qu\u00e1 tr\u00ecnh n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh, ph\u00e1t hi\u1ec7n r\u1ee7i ro v\u00e0 nh\u1eadn di\u1ec7n c\u01a1 h\u1ed9i m\u1edbi, t\u1eeb \u0111\u00f3 t\u1ed1i \u01b0u k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: Sau khi ph\u00e1t hi\u1ec7n doanh thu th\u1ef1c t\u1ebf gi\u1ea3m 5% so v\u1edbi d\u1ef1 b\u00e1o, c\u00f4ng ty c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c b\u00e1n h\u00e0ng ho\u1eb7c t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n k\u1ebft qu\u1ea3 kinh doanh.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh-1024x683.webp\" alt=\"L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh\" class=\"wp-image-12276\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh-1024x683.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh-300x200.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh-768x512.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh-1536x1024.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/lap-ke-hoach-tai-chinh.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/strong>: Nh\u1eefng chi ph\u00ed kh\u00f4ng thay \u0111\u1ed5i d\u00f9 s\u1ea3n l\u01b0\u1ee3ng c\u00f3 bi\u1ebfn \u0111\u1ed9ng.<\/li>\n\n\n\n<li><strong>Chi ph\u00ed bi\u1ebfn \u0111\u1ed5i<\/strong>: Chi ph\u00ed thay \u0111\u1ed5i theo s\u1ea3n l\u01b0\u1ee3ng ho\u1eb7c doanh s\u1ed1.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von-1024x574.webp\" alt=\"\u0110i\u1ec3m ho\u00e0 v\u1ed1n\" class=\"wp-image-12267\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von-1024x574.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von-300x168.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von-768x430.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von-1536x861.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/diem-hoa-von.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-m\u1eabu-file-excel-b\u1ea3ng-k\u1ebf-ho\u1ea1ch-tai-chinh-mi\u1ec5n-phi\"><strong>2. M\u1eabu File Excel b\u1ea3ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh (mi\u1ec5n ph\u00ed)<\/strong><\/h2>\n\n\n\n<p>B\u1ea3ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kinh doanh \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y nh\u01b0 th\u1ebf n\u00e0o? Doanh nghi\u1ec7p c\u00f3 th\u1ec3 tham kh\u1ea3o v\u00e0 t\u1ea3i v\u1ec1 3 m\u1eabu file Excel k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh sau:<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1hTvXnFgJIGeEsNtuMqD7EAYTBur9A-xZ\/edit?rtpof=true\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">M\u1eabu k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kh\u1edfi nghi\u1ec7p (D\u00e0nh cho Startup)<\/a><\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1d3fvb5fvVWKpw0l8kfLdkZFfFT9P8Py4\/edit?gid=915711853#gid=915711853\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">M\u1eabu k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh 5 n\u0103m cho doanh nghi\u1ec7p<\/a><\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1tmJdCjDYBF3pBw1XvMo8vJxUO8h6W3t5\/edit?gid=1177945736#gid=1177945736\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">M\u1eabu b\u00e1o c\u00e1o thu nh\u1eadp<\/a><\/p>\n\n\n\n<p>Sau khi t\u1ea3i xu\u1ed1ng, doanh nghi\u1ec7p c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng t\u00f9y ch\u1ec9nh c\u00e1c ti\u00eau ch\u00ed v\u00e0 s\u1ed1 li\u1ec7u trong b\u1ea3ng k\u1ebf ho\u1ea1ch \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><strong>\u0110\u1ecdc th\u00eam:<\/strong> <a href=\"https:\/\/base.vn\/blog\/phan-mem-quan-ly-tai-chinh-doanh-nghiep\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 7 ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh doanh nghi\u1ec7p t\u1ed1t nh\u1ea5t hi\u1ec7n nay<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-k\u1ebf-ho\u1ea1ch-tai-chinh-la-gi\"><strong>3. K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n<p><strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh (Financial Plan)<\/strong> l\u00e0 m\u1ed9t t\u00e0i li\u1ec7u m\u00f4 t\u1ea3 chi ti\u1ebft c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau \u0111\u00f3 trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. Vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh th\u01b0\u1eddng b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c x\u00e1c \u0111\u1ecbnh t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a doanh nghi\u1ec7p, d\u1ef1 b\u00e1o thu chi trong t\u01b0\u01a1ng lai, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00e0i ch\u00ednh, l\u1eadp b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p>Vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh th\u01b0\u1eddng d\u1ef1a tr\u00ean c\u00e1c ph\u00e2n t\u00edch c\u00e1c s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i v\u00e0 trong qu\u00e1 kh\u1ee9 c\u1ee7a doanh nghi\u1ec7p. \u0110\u1ed3ng th\u1eddi bao g\u1ed3m s\u1ef1 xem x\u00e9t v\u00e0 \u0111\u00e1nh gi\u00e1 c\u00e1c y\u1ebfu t\u1ed1 kinh doanh c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf nh\u01b0 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh.&nbsp;<\/p>\n\n\n\n<p>M\u1ee5c ti\u00eau c\u1ee7a vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh d\u00f2ng ti\u1ec1n, t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng s\u1eed d\u1ee5ng t\u00e0i nguy\u00ean t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng cho s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a doanh nghi\u1ec7p. M\u1eb7t kh\u00e1c, l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00f2n gi\u00fap nh\u00e0 qu\u1ea3n tr\u1ecb \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c, \u0111\u1ecbnh r\u00f5 hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh v\u00e0 \u0111\u00e1nh gi\u00e1 ti\u1ebfn \u0111\u1ed9 trong qu\u00e1 tr\u00ecnh th\u1ef1c thi k\u1ebf ho\u1ea1ch.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1-1024x688.webp\" alt=\"K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh l\u00e0 g\u00ec?\" class=\"wp-image-12258\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1-1024x688.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1-300x202.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1-768x516.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1-1536x1032.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/ke-hoach-tai-chinh-1.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kh\u00e1c <a href=\"https:\/\/base.vn\/blog\/ke-hoach-kinh-doanh\/\" target=\"_blank\" rel=\"noreferrer noopener\">k\u1ebf ho\u1ea1ch kinh doanh<\/a> nh\u01b0 th\u1ebf n\u00e0o? K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh l\u00e0 \u201ccon\u201d c\u1ee7a k\u1ebf ho\u1ea1ch kinh doanh. Trong khi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh t\u1eadp trung v\u00e0o c\u00e1c d\u1ef1 \u0111o\u00e1n v\u00e0 ng\u00e2n s\u00e1ch t\u00e0i ch\u00ednh, th\u00ec k\u1ebf ho\u1ea1ch kinh doanh cung c\u1ea5p m\u1ed9t c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p.&nbsp;<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><strong>\u0110\u1ecdc th\u00eam:<\/strong> <a href=\"https:\/\/base.vn\/blog\/ke-hoach-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">K\u1ebf ho\u1ea1ch l\u00e0 g\u00ec? Y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i gi\u00fap doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-phan-lo\u1ea1i-k\u1ebf-ho\u1ea1ch-tai-chinh\"><strong>4. Ph\u00e2n lo\u1ea1i k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong><\/h2>\n\n\n\n<p>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ph\u00e2n th\u00e0nh 3 lo\u1ea1i: ng\u1eafn, trung v\u00e0 d\u00e0i h\u1ea1n:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ti\u00eau ch\u00ed<\/strong><\/td><td><strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n<\/strong><\/td><td><strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh trung h\u1ea1n<\/strong><\/td><td><strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n<\/strong><\/td><\/tr><tr><td><strong>Th\u1eddi gian<\/strong><\/td><td>T\u1eeb 1 qu\u00fd \u0111\u1ebfn 1 n\u0103m<\/td><td>T\u1eeb 1 n\u0103m \u0111\u1ebfn 3 n\u0103m<\/td><td>T\u1eeb 3 n\u0103m tr\u1edf l\u00ean<\/td><\/tr><tr><td><strong>Ph\u1ea1m vi<\/strong><\/td><td>Qu\u1ea3n l\u00fd v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh h\u00e0ng ng\u00e0y nh\u1eb1m \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh ng\u1eafn h\u1ea1n.<\/td><td>Qu\u1ea3n l\u00fd v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai g\u1ea7n nh\u1eb1m \u0111\u1ea3m b\u1ea3o s\u1ef1 ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh c\u1ee7a t\u1ed5 ch\u1ee9c.<\/td><td>Qu\u1ea3n l\u00fd v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai xa nh\u1eb1m t\u1ea1o ra th\u00e0nh c\u00f4ng b\u1ec1n v\u1eefng cho t\u1ed5 ch\u1ee9c.<\/td><\/tr><tr><td><strong>Nhi\u1ec7m v\u1ee5 ch\u1ee7 y\u1ebfu<\/strong><\/td><td>T\u1eadp trung qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t, <a href=\"https:\/\/base.vn\/blog\/dong-tien-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00f2ng ti\u1ec1n<\/a>, ng\u00e2n s\u00e1ch v\u00e0 r\u1ee7i ro t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n.<\/td><td>D\u1ef1 b\u00e1o t\u00e0i ch\u00ednh, qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch, qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh trung h\u1ea1n.<\/td><td>Nh\u1eadn di\u1ec7n c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0, qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 c\u00e1c ngu\u1ed3n l\u1ef1c, qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/td><\/tr><tr><td><strong>V\u00ed d\u1ee5<\/strong><\/td><td>M\u1ed9t c\u00f4ng ty s\u1ea3n xu\u1ea5t \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng 10% doanh thu trong 6 th\u00e1ng t\u1edbi th\u00f4ng qua vi\u1ec7c \u0111\u1ea9y m\u1ea1nh qu\u1ea3ng c\u00e1o tr\u1ef1c tuy\u1ebfn.<\/td><td>M\u1ed9t c\u00f4ng ty ph\u1ea7n m\u1ec1m d\u1ef1 \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 2 tri\u1ec7u USD v\u00e0o nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong 3 n\u0103m \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng v\u00e0 c\u1ea1nh tranh.<\/td><td>T\u1eadp \u0111o\u00e0n A \u0111\u1eb7t m\u1ee5c ti\u00eau m\u1edf r\u1ed9ng chu\u1ed7i c\u1eeda h\u00e0ng to\u00e0n c\u1ea7u v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p m\u1edbi trong 10 n\u0103m nh\u1eb1m \u0111\u1ea1t l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n v\u00e0 tr\u1edf th\u00e0nh doanh nghi\u1ec7p s\u1ed1 1 trong ng\u00e0nh.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-t\u1ea1i-sao-k\u1ebf-ho\u1ea1ch-tai-chinh-quan-tr\u1ecdng-d\u1ed1i-v\u1edbi-doanh-nghi\u1ec7p\"><strong>5. T\u1ea1i sao k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh quan tr\u1ecdng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p?<\/strong><\/h2>\n\n\n\n<p>M\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng kh\u00f4ng ch\u1ec9 mang l\u1ea1i \u0111\u1ecbnh h\u01b0\u1edbng r\u00f5 r\u00e0ng m\u00e0 c\u00f2n gi\u00fap doanh nghi\u1ec7p thi\u1ebft l\u1eadp m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf v\u00e0 \u0111\u01b0a ra d\u1ef1 b\u00e1o ch\u00ednh x\u00e1c, th\u1ec3 hi\u1ec7n cam k\u1ebft \u0111\u1ed1i v\u1edbi m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u1ec1 ra. C\u1ee5 th\u1ec3, k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cung c\u1ea5p t\u1ea7m nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh: <\/strong>Gi\u00fap nh\u00e0 qu\u1ea3n tr\u1ecb hi\u1ec3u r\u00f5 c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 thu nh\u1eadp, chi ph\u00ed, n\u1ee3, t\u00e0i s\u1ea3n v\u00e0 d\u00f2ng ti\u1ec1n d\u01b0 th\u1eeba, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t.<\/li>\n\n\n\n<li><strong>\u0110\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3:<\/strong> Khi n\u1eafm b\u1eaft t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i, nh\u00e0 qu\u1ea3n tr\u1ecb c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng v\u00e0 kh\u1ea3 thi.<\/li>\n\n\n\n<li><strong>T\u1ed1i \u01b0u h\u00f3a ngu\u1ed3n l\u1ef1c: <\/strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh gi\u00fap x\u00e1c \u0111\u1ecbnh \u01b0u ti\u00ean \u0111\u1ea7u t\u01b0, qu\u1ea3n l\u00fd v\u1ed1n hi\u1ec7u qu\u1ea3, s\u1eed d\u1ee5ng ngu\u1ed3n l\u1ef1c th\u00f4ng minh v\u00e0 c\u1eaft gi\u1ea3m chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n\n\n\n<li><strong>Nh\u1eadn di\u1ec7n v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh: <\/strong>Doanh nghi\u1ec7p c\u00f3 th\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c r\u1ee7i ro nh\u01b0 bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng, thu\u1ebf, hay thay \u0111\u1ed5i ch\u00ednh s\u00e1ch. K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh s\u1ebd gi\u00fap doanh nghi\u1ec7p x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c \u1ee9ng ph\u00f3 ph\u00f9 h\u1ee3p.<\/li>\n\n\n\n<li><strong>X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n:<\/strong> K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh gi\u00fap ph\u00e2n b\u1ed5 v\u1ed1n h\u1ee3p l\u00fd, l\u1ef1a ch\u1ecdn c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd c\u1ea5u tr\u00fac t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng.<\/li>\n<\/ul>\n\n\n\n<p>\u0110\u1eb7c bi\u1ec7t, \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p, k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00f2n l\u00e0 th\u00e0nh t\u1ed1 quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u00ecn th\u1ea5y \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n c\u1ee7a doanh nghi\u1ec7p trong nh\u1eefng n\u0103m t\u1edbi v\u00e0 t\u0103ng kh\u1ea3 n\u0103ng g\u1ecdi v\u1ed1n th\u00e0nh c\u00f4ng.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong-1024x678.webp\" alt=\"T\u1ea1i sao k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh quan tr\u1ecdng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p?\" class=\"wp-image-12261\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong-1024x678.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong-300x199.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong-768x508.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong-1536x1017.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/tai-sao-ke-hoach-tai-chinh-lai-quan-trong.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-k\u1ebf-ho\u1ea1ch-tai-chinh-bao-g\u1ed3m-nh\u1eefng-n\u1ed9i-dung-nao\"><strong>6. K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh bao g\u1ed3m nh\u1eefng n\u1ed9i dung n\u00e0o?<\/strong><\/h2>\n\n\n\n<p>Cho d\u00f9 l\u00e0 l\u00ean k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cho m\u1ed9t d\u1ef1 \u00e1n kinh doanh m\u1edbi ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch cho d\u1ef1 \u00e1n hi\u1ec7n t\u1ea1i, doanh nghi\u1ec7p c\u1ea7n \u0111\u1ea3m b\u1ea3o k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh th\u1ec3 hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 v\u00e0 chi ti\u1ebft c\u00e1c th\u00e0nh ph\u1ea7n ch\u00ednh sau \u0111\u00e2y:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-1-bao-cao-thu-nh\u1eadp-income-statement\"><strong>6.1 B\u00e1o c\u00e1o thu nh\u1eadp (Income Statement)<\/strong><\/h3>\n\n\n\n<p>B\u00e1o c\u00e1o thu nh\u1eadp, hay c\u00f2n g\u1ecdi l\u00e0 b\u00e1o c\u00e1o l\u00e3i l\u1ed7 (P&amp;L), cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 thu nh\u1eadp v\u00e0 chi ph\u00ed c\u1ee7a doanh nghi\u1ec7p, \u0111\u1ed3ng th\u1eddi ph\u1ea3n \u00e1nh l\u00e3i ho\u1eb7c l\u1ed7 trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.<\/p>\n\n\n\n<p>C\u00f4ng th\u1ee9c: <strong>Doanh thu \u2013 Chi ph\u00ed = L\u00e3i \/ L\u1ed7.<\/strong><\/p>\n\n\n\n<p>B\u00e1o c\u00e1o thu nh\u1eadp c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 \u1ea3nh &#8220;ch\u1ee5p nhanh&#8221; v\u1ec1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh, cho th\u1ea5y t\u00ednh kh\u1ea3 thi c\u1ee7a \u00fd t\u01b0\u1edfng ho\u1eb7c d\u1ef1 \u00e1n. B\u00e1o c\u00e1o thu nh\u1eadp c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean ba k\u1ecbch b\u1ea3n: t\u1ec7 nh\u1ea5t, d\u1ef1 ki\u1ebfn, v\u00e0 t\u1ed1t nh\u1ea5t.<\/p>\n\n\n\n<p>N\u1ed9i dung c\u1ee7a b\u00e1o c\u00e1o thu nh\u1eadp n\u00ean bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gi\u00e1 v\u1ed1n h\u00e0ng b\u00e1n (COGS)<\/li>\n\n\n\n<li>Bi\u00ean l\u1ee3i nhu\u1eadn g\u1ed9p<\/li>\n\n\n\n<li>Chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/li>\n\n\n\n<li>C\u00e1c ngu\u1ed3n doanh thu<\/li>\n\n\n\n<li>EBITDA (Thu nh\u1eadp tr\u01b0\u1edbc l\u00e3i vay, thu\u1ebf, kh\u1ea5u hao v\u00e0 kh\u1ea5u tr\u1eeb)<\/li>\n<\/ul>\n\n\n\n<p>Doanh nghi\u1ec7p v\u1eeba v\u00e0 l\u1edbn th\u01b0\u1eddng l\u1eadp b\u00e1o c\u00e1o thu nh\u1eadp h\u00e0ng n\u0103m, trong khi c\u00e1c doanh nghi\u1ec7p m\u1edbi th\u00e0nh l\u1eadp ho\u1eb7c <a href=\"https:\/\/base.vn\/blog\/startup-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">startup<\/a> n\u00ean c\u00e2n nh\u1eafc l\u1eadp b\u00e1o c\u00e1o thu nh\u1eadp h\u00e0ng th\u00e1ng \u0111\u1ec3 d\u1ec5 d\u00e0ng theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-2-bao-cao-dong-ti\u1ec1n-cash-flow-statement\"><strong>6.2 B\u00e1o c\u00e1o d\u00f2ng ti\u1ec1n (Cash Flow Statement)<\/strong><\/h3>\n\n\n\n<p>B\u00e1o c\u00e1o d\u00f2ng ti\u1ec1n l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i c\u1ee7a c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p, n\u00f3 cung c\u1ea5p c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 d\u00f2ng ti\u1ec1n v\u00e0o\/ra c\u1ee7a doanh nghi\u1ec7p trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. Ngo\u00e0i ra, b\u00e1o c\u00e1o d\u00f2ng ti\u1ec1n c\u00f2n gi\u00fap doanh nghi\u1ec7p hi\u1ec3u r\u00f5 v\u1ec1 t\u00ecnh tr\u1ea1ng ti\u1ec1n m\u1eb7t hi\u1ec7n t\u1ea1i v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n n\u1ee3 \u0111\u00fang h\u1ea1n, kh\u1ea3 n\u0103ng t\u1ea1o ra d\u00f2ng ti\u1ec1n d\u01b0\u01a1ng, v\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c s\u00e1ng ki\u1ebfn t\u0103ng tr\u01b0\u1edfng.<\/p>\n\n\n\n<p>B\u00e1o c\u00e1o d\u00f2ng ti\u1ec1n g\u1ed3m ba n\u1ed9i dung ch\u00ednh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u1ef1 b\u00e1o doanh thu ti\u1ec1n m\u1eb7t:<\/strong> D\u1ef1a tr\u00ean \u01b0\u1edbc t\u00ednh ho\u1eb7c d\u1ef1 ki\u1ebfn doanh s\u1ed1 b\u00e1n h\u00e0ng h\u00e0ng th\u00e1ng.<\/li>\n\n\n\n<li><strong>Chi ti\u1ec1n m\u1eb7t:<\/strong> Li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n chi d\u1ef1 ki\u1ebfn ph\u1ea3i thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t h\u00e0ng th\u00e1ng trong su\u1ed1t m\u1ed9t n\u0103m.<\/li>\n\n\n\n<li><strong>\u0110\u1ed1i chi\u1ebfu d\u00f2ng ti\u1ec1n:<\/strong> Quy tr\u00ecnh n\u00e0y \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a d\u1ef1 b\u00e1o d\u00f2ng ti\u1ec1n, v\u1edbi s\u1ed1 ti\u1ec1n \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c chuy\u1ec3n sang th\u00e1ng ti\u1ebfp theo.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien-1024x574.webp\" alt=\"B\u00e1o c\u00e1o d\u00f2ng ti\u1ec1n\" class=\"wp-image-12263\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien-1024x574.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien-300x168.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien-768x430.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien-1536x861.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/10\/bao-cao-dong-tien.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-3-b\u1ea3ng-can-d\u1ed1i-k\u1ebf-toan-balance-sheet\"><strong>6.3 B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n (Balance Sheet)<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/base.vn\/blog\/bang-can-doi-ke-toan\/\" target=\"_blank\" rel=\"noreferrer noopener\">B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n<\/a> l\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh th\u1ec3 hi\u1ec7n t\u00e0i s\u1ea3n, n\u1ee3 ph\u1ea3i tr\u1ea3, v\u00e0 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a doanh nghi\u1ec7p t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3. N\u00f3 cung c\u1ea5p c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 nh\u1eefng g\u00ec doanh nghi\u1ec7p \u0111ang s\u1edf h\u1eefu, s\u1ed1 ti\u1ec1n n\u1ee3 v\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a c\u1ed5 \u0111\u00f4ng.<\/p>\n\n\n\n<p>B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n \u0111\u01b0\u1ee3c chia l\u00e0m ba ph\u1ea7n: <strong>t\u00e0i s\u1ea3n<\/strong>, <strong>n\u1ee3 ph\u1ea3i tr\u1ea3<\/strong>, v\u00e0 <strong>v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu<\/strong>, v\u1edbi v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng c\u00e1ch l\u1ea5y t\u1ed5ng t\u00e0i s\u1ea3n tr\u1eeb \u0111i n\u1ee3 ph\u1ea3i tr\u1ea3. Ph\u01b0\u01a1ng tr\u00ecnh k\u1ebf to\u00e1n quan tr\u1ecdng c\u1ee7a b\u1ea3ng c\u00e2n \u0111\u1ed1i l\u00e0:<\/p>\n\n\n\n<p><strong>T\u00e0i s\u1ea3n = N\u1ee3 ph\u1ea3i tr\u1ea3 + V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu<\/strong><\/p>\n\n\n\n<p>C\u00e1c m\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>X\u00e1c \u0111\u1ecbnh nhu c\u1ea7u v\u1ed1n c\u1ee7a doanh nghi\u1ec7p<\/li>\n\n\n\n<li>H\u1ed7 tr\u1ee3 quy\u1ebft \u0111\u1ecbnh ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c<\/li>\n\n\n\n<li>T\u00ednh to\u00e1n v\u1ed1n c\u1ea7n thi\u1ebft cho doanh nghi\u1ec7p<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i ra, b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u00f2n gi\u00fap c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p v\u00e0o m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 h\u1ee3p l\u00fd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-4-phan-tich-di\u1ec3m-hoa-v\u1ed1n-break-even-analysis\"><strong>6.4 Ph\u00e2n t\u00edch \u0111i\u1ec3m h\u00f2a v\u1ed1n (Break-Even Analysis)<\/strong><\/h3>\n\n\n\n<p>Ph\u00e2n t\u00edch \u0111i\u1ec3m h\u00f2a v\u1ed1n \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p ho\u1eb7c c\u00f4ng ty nh\u1ecf, n\u00f3 gi\u00fap x\u00e1c \u0111\u1ecbnh khi n\u00e0o doanh nghi\u1ec7p, s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 b\u1eaft \u0111\u1ea7u sinh l\u00e3i. Ngo\u00e0i ra, ph\u00e2n t\u00edch \u0111i\u1ec3m h\u00f2a v\u1ed1n c\u00f2n h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p \u0111\u1ecbnh gi\u00e1 b\u00e1n s\u1ea3n ph\u1ea9m h\u1ee3p l\u00fd, \u0111\u1eb7t ra m\u1ee5c ti\u00eau b\u00e1n h\u00e0ng \u0111\u00fang \u0111\u1eafn, v\u00e0 t\u1ea1o ni\u1ec1m tin cho nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, ph\u00e2n t\u00edch \u0111i\u1ec3m h\u00f2a v\u1ed1n gi\u00fap doanh nghi\u1ec7p bi\u1ebft \u0111\u01b0\u1ee3c c\u1ea7n b\u00e1n bao nhi\u00eau s\u1ea3n ph\u1ea9m \u0111\u1ec3 c\u00f3 th\u1ec3 trang tr\u1ea3i chi ph\u00ed v\u1eadn h\u00e0nh, kho b\u00e3i, v\u00e0 s\u1ea3n xu\u1ea5t, v\u00e0 b\u1eaft \u0111\u1ea7u t\u1ea1o ra l\u1ee3i nhu\u1eadn. Khi doanh s\u1ed1 v\u01b0\u1ee3t qua \u0111i\u1ec3m h\u00f2a v\u1ed1n, doanh nghi\u1ec7p s\u1ebd c\u00f3 l\u00e3i.<\/p>\n\n\n\n<p>\u0110\u1ec3 ph\u00e2n t\u00edch \u0111i\u1ec3m h\u00f2a v\u1ed1n, doanh nghi\u1ec7p c\u1ea7n x\u00e1c \u0111\u1ecbnh:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-c\u01a1-s\u1edf-l\u1eadp-k\u1ebf-ho\u1ea1ch-tai-chinh\"><strong>7. C\u01a1 s\u1edf l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong><\/h2>\n\n\n\n<p>Vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cho doanh nghi\u1ec7p th\u01b0\u1eddng d\u1ef1a tr\u00ean b\u1ed1n c\u01a1 s\u1edf quan tr\u1ecdng sau \u0111\u00e2y:<\/p>\n\n\n\n<p><strong>\u2013 D\u1ef1a tr\u00ean t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i: <\/strong>Tr\u01b0\u1edbc khi x\u00e2y d\u1ef1ng m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh, nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n ti\u1ebfn h\u00e0nh ph\u00e2n t\u00edch th\u1ea5u \u0111\u00e1o t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c \u0111\u00e1nh gi\u00e1 c\u1ea5u tr\u00fac v\u1ed1n, d\u00f2ng ti\u1ec1n, c\u00f4ng n\u1ee3, v\u00e0 t\u00e0i s\u1ea3n. T\u1eeb \u0111\u00f3, nh\u00e0 qu\u1ea3n tr\u1ecb c\u00f3 th\u1ec3 nh\u1eadn di\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec3m m\u1ea1nh c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec3m c\u1ea7n c\u1ea3i thi\u1ec7n, nh\u1eb1m ho\u1ea1ch \u0111\u1ecbnh m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng v\u00e0 hi\u1ec7u su\u1ea5t trong d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<p><strong>\u2013 D\u1ef1a tr\u00ean m\u1ee5c ti\u00eau v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh: <\/strong>Nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh m\u00e0 doanh nghi\u1ec7p mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u0103ng tr\u01b0\u1edfng doanh thu, t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn, m\u1edf r\u1ed9ng quy m\u00f4, ho\u1eb7c \u0111\u1ea7u t\u01b0 v\u00e0o nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m m\u1edbi. Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c n\u00e0y.<\/p>\n\n\n\n<p><strong>\u2013 D\u1ef1a tr\u00ean quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng: <\/strong>Doanh nghi\u1ec7p c\u1ea7n \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n t\u1ea1i v\u00e0 d\u1ef1 b\u00e1o t\u01b0\u01a1ng lai, bao g\u1ed3m c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 s\u1ea3n l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 cung \u1ee9ng ra th\u1ecb tr\u01b0\u1eddng, quy m\u00f4 ngu\u1ed3n nh\u00e2n l\u1ef1c, quy tr\u00ecnh s\u1ea3n xu\u1ea5t, m\u1ea1ng l\u01b0\u1edbi cung \u1ee9ng, v\u00e0 ph\u1ea1m vi th\u1ecb tr\u01b0\u1eddng. T\u1eeb \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd, \u0111\u1ea3m b\u1ea3o h\u1ed7 tr\u1ee3 hi\u1ec7u qu\u1ea3 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0y.<\/p>\n\n\n\n<p><strong>\u2013 D\u1ef1a tr\u00ean ph\u00e2n t\u00edch m\u00f4i tr\u01b0\u1eddng kinh doanh: <\/strong>\u0110\u00e1nh gi\u00e1 r\u1ee7i ro, c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c t\u1eeb m\u00f4i tr\u01b0\u1eddng kinh doanh l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 thi\u1ebfu trong qu\u00e1 tr\u00ecnh l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. C\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng, ch\u00ednh s\u00e1ch ph\u00e1p l\u00fd, s\u1ef1 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7, v\u00e0 c\u1ea1nh tranh t\u1eeb \u0111\u1ed1i th\u1ee7 \u0111\u1ec1u c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p, v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh kh\u1ea3 thi c\u1ee7a k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-nguyen-t\u1eafc-l\u1eadp-k\u1ebf-ho\u1ea1ch-tai-chinh\"><strong>8. Nguy\u00ean t\u1eafc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong><\/h2>\n\n\n\n<p>N\u0103m nguy\u00ean t\u1eafc m\u00e0 nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n l\u01b0u \u00fd khi l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh doanh nghi\u1ec7p bao g\u1ed3m:<\/p>\n\n\n\n<p><strong>\u2013 Qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd d\u00f2ng ti\u1ec1n h\u00e0ng th\u00e1ng: <\/strong>Doanh nghi\u1ec7p c\u1ea7n th\u01b0\u1eddng xuy\u00ean theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n chi ti\u00eau m\u1ed7i th\u00e1ng. Vi\u1ec7c ki\u1ec3m so\u00e1t v\u00e0 t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed gi\u00fap \u0111\u1ea3m b\u1ea3o d\u00f2ng ti\u1ec1n lu\u00f4n duy tr\u00ec tr\u1ea1ng th\u00e1i d\u01b0\u01a1ng, \u0111\u1ed3ng th\u1eddi t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng thanh kho\u1ea3n v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p><strong>\u2013 X\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng t\u00e0i ch\u00ednh: <\/strong>\u0110\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi c\u00e1c bi\u1ebfn \u0111\u1ed9ng b\u1ea5t ng\u1edd ho\u1eb7c kh\u1ee7ng ho\u1ea3ng t\u1eeb m\u00f4i tr\u01b0\u1eddng kinh doanh, doanh nghi\u1ec7p c\u1ea7n t\u00edch l\u0169y qu\u1ef9 d\u1ef1 ph\u00f2ng t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong nh\u1eefng th\u1eddi \u0111i\u1ec3m kh\u00f3 kh\u0103n.<\/p>\n\n\n\n<p><strong>\u2013 \u01afu ti\u00ean thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao: <\/strong>Vi\u1ec7c t\u1eadp trung thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao s\u1ebd gi\u00fap doanh nghi\u1ec7p gi\u1ea3m thi\u1ec3u chi ph\u00ed l\u00e3i vay, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh t\u1ed5ng th\u1ec3 trong d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<p><strong>\u2013 Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb: <\/strong>Nguy\u00ean t\u1eafc n\u00e0y khuy\u1ebfn kh\u00edch doanh nghi\u1ec7p kh\u00f4ng ch\u1ec9 t\u00edch l\u0169y m\u00e0 c\u00f2n t\u00ecm c\u00e1ch \u0111\u1ea7u t\u01b0 c\u00e1c kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i nh\u1eb1m gia t\u0103ng thu nh\u1eadp v\u00e0 l\u1ee3i nhu\u1eadn.<\/p>\n\n\n\n<p><strong>\u2013 T\u1eadn d\u1ee5ng v\u1ed1n hi\u1ec7n c\u00f3 \u0111\u1ec3 t\u1ea1o th\u00eam gi\u00e1 tr\u1ecb: <\/strong>Doanh nghi\u1ec7p n\u00ean t\u1ed1i \u01b0u vi\u1ec7c s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n hi\u1ec7n t\u1ea1i \u0111\u1ec3 t\u1ea1o th\u00eam gi\u00e1 tr\u1ecb v\u00e0 thu nh\u1eadp b\u1ed5 sung. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua vi\u1ec7c m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, ho\u1eb7c ph\u00e1t tri\u1ec3n c\u00e1c d\u1ef1 \u00e1n m\u1edbi nh\u1eb1m th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng v\u00e0 sinh l\u1ee3i nhu\u1eadn cao h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-10-gi\u1ea3i-quy\u1ebft-bai-toan-qu\u1ea3n-tr\u1ecb-tai-chinh-v\u1edbi-b\u1ed9-gi\u1ea3i-phap-base-finance\"><strong>10. Gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh v\u1edbi B\u1ed9 gi\u1ea3i ph\u00e1p Base Finance+<\/strong><\/h2>\n\n\n\n<p>Trong th\u1eddi \u0111\u1ea1i 4.0, vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh b\u1eb1ng ph\u1ea7n m\u1ec1m \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu, d\u1ea7n thay th\u1ebf cho c\u00e1ch qu\u1ea3n l\u00fd truy\u1ec1n th\u1ed1ng b\u1eb1ng nh\u1eefng file Excel.<\/p>\n\n\n\n<p>B\u1ed9 gi\u1ea3i ph\u00e1p qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh <strong>Base Finance+<\/strong> l\u00e0 m\u1ed9t b\u1ed9 c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd gi\u00fap ban l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p theo d\u00f5i d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh c\u1ee7a t\u1ed5 ch\u1ee9c m\u1ecdi l\u00fac m\u1ecdi n\u01a1i, bao g\u1ed3m qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n v\u00e0o, d\u00f2ng ti\u1ec1n ra, \u0111\u1ed1i so\u00e1t ng\u00e2n h\u00e0ng, kh\u1ea5u hao, v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch cho t\u01b0\u01a1ng lai.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/base.vn\/platform\/finance?utm_source=base-blog&amp;utm_content=base.vn\/blog\/ke-hoach-tai-chinh\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base Finance+<\/a><\/strong> bao g\u1ed3m 6 \u1ee9ng d\u1ee5ng, m\u1ed7i \u1ee9ng d\u1ee5ng t\u1eadp trung gi\u1ea3i quy\u1ebft m\u1ed9t v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3 trong qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Base Finance<\/strong>: Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh chi ti\u1ebft, h\u1ed7 tr\u1ee3 l\u1eadp k\u1ebf ho\u1ea1ch doanh thu v\u00e0 chi ph\u00ed theo nhi\u1ec1u g\u00f3c \u0111\u1ed9, gi\u00fap ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd thu chi th\u1ef1c t\u1ebf.<\/li>\n\n\n\n<li><strong>Base Expense<\/strong>: Qu\u1ea3n l\u00fd chi ph\u00ed v\u00e0 d\u00f2ng ti\u1ec1n ra, t\u1ea1o kh\u00f4ng gian h\u1ee3p t\u00e1c gi\u1eefa nh\u00e2n vi\u00ean v\u00e0 b\u1ed9 ph\u1eadn k\u1ebf to\u00e1n trong vi\u1ec7c ki\u1ec3m so\u00e1t h\u00f3a \u0111\u01a1n, t\u1ea1m \u1ee9ng v\u00e0 thanh to\u00e1n.<\/li>\n\n\n\n<li><strong>Base Income<\/strong>: Ghi nh\u1eadn v\u00e0 ph\u00e2n t\u00edch doanh thu, d\u00f2ng ti\u1ec1n v\u00e0o theo nhi\u1ec1u ti\u00eau ch\u00ed nh\u01b0 h\u1ee3p \u0111\u1ed3ng, \u0111\u01a1n h\u00e0ng, kh\u00e1ch h\u00e0ng, s\u1ea3n ph\u1ea9m, nh\u00e2n vi\u00ean v\u00e0 b\u1ed9 ph\u1eadn kinh doanh.<\/li>\n\n\n\n<li><strong>Base BankFeeds<\/strong>: T\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng theo th\u1eddi gian th\u1ef1c, \u0111\u1ed3ng th\u1eddi g\u1eedi th\u00f4ng b\u00e1o qua SMS v\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng.<\/li>\n\n\n\n<li><strong>Base Asset<\/strong>: Qu\u1ea3n l\u00fd v\u00f2ng \u0111\u1eddi t\u00e0i s\u1ea3n trong doanh nghi\u1ec7p, t\u1eeb mua s\u1eafm, lu\u00e2n chuy\u1ec3n, thu h\u1ed3i, s\u1eeda ch\u1eefa, b\u1ea3o tr\u00ec \u0111\u1ebfn x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb s\u1eed d\u1ee5ng.<\/li>\n\n\n\n<li><strong>Base Purchasing<\/strong>: Qu\u1ea3n l\u00fd to\u00e0n b\u1ed9 quy tr\u00ecnh thu mua, bao g\u1ed3m so s\u00e1nh b\u00e1o gi\u00e1, ch\u1ecdn l\u1ecdc nh\u00e0 cung \u1ee9ng, theo d\u00f5i \u0111\u01a1n h\u00e0ng v\u00e0 \u0111\u1ed1i chi\u1ebfu h\u00f3a \u0111\u01a1n.<\/li>\n<\/ul>\n\n\n\n<p>M\u1ee5c ti\u00eau c\u1ee7a <strong>Base Finance+<\/strong> l\u00e0 gi\u00fap doanh nghi\u1ec7p d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 ra quy\u1ebft \u0111\u1ecbnh ch\u00ednh x\u00e1c nh\u1eb1m t\u1ed1i \u01b0u chi ph\u00ed v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<p>\u0110\u1eb7c bi\u1ec7t, nh\u1edd \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n tr\u00ean c\u00f9ng n\u1ec1n t\u1ea3ng <strong>Base Platform<\/strong>, c\u00e1c \u1ee9ng d\u1ee5ng trong <strong>Base Finance+<\/strong> t\u00edch h\u1ee3p v\u00e0 chia s\u1ebb d\u1eef li\u1ec7u v\u1edbi nhau m\u1ed9t c\u00e1ch m\u01b0\u1ee3t m\u00e0, trong khi v\u1eabn \u0111\u1ea3m b\u1ea3o x\u1eed l\u00fd chuy\u00ean s\u00e2u v\u00e0 t\u1ed1i \u01b0u cho t\u1eebng nghi\u1ec7p v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/base.vn\/platform\/finance?utm_source=base-blog&amp;utm_content=base.vn\/blog\/ke-hoach-tai-chinh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"532\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/03\/base-finance-5.png\" alt=\"Base Finance+\" class=\"wp-image-3106\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/03\/base-finance-5.png 896w, https:\/\/base.vn\/wp-content\/uploads\/2024\/03\/base-finance-5-300x178.png 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/03\/base-finance-5-768x456.png 768w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-11-k\u1ebft-lu\u1eadn\"><strong>11. K\u1ebft lu\u1eadn<\/strong><\/h2>\n\n\n\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 to\u00e0n b\u1ed9 th\u00f4ng tin v\u1ec1 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh l\u00e0 g\u00ec v\u00e0 h\u01b0\u1edbng d\u1eabn c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh m\u00e0 Base Blog mong mu\u1ed1n chia s\u1ebb c\u00f9ng doanh nghi\u1ec7p. Hy v\u1ecdng nh\u1eefng ki\u1ebfn th\u1ee9c n\u00e0y s\u1ebd gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a t\u1ed5 ch\u1ee9c, v\u00e0 t\u1eeb \u0111\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nhi\u1ec1u th\u00e0nh c\u00f4ng r\u1ef1c r\u1ee1 trong t\u01b0\u01a1ng lai.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kh\u00f4ng ch\u1ec9 l\u00e0 b\u00e0i to\u00e1n v\u1ec1 con s\u1ed1, m\u00e0 c\u00f2n l\u00e0 kim ch\u1ec9 nam gi\u00fap doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro hi\u1ec7u qu\u1ea3. D\u00f9 b\u1ea1n l\u00e0 startup hay doanh nghi\u1ec7p \u0111ang m\u1edf r\u1ed9ng, m\u1ed9t b\u1ea3n k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng s\u1ebd gi\u00fap \u0111\u1ecbnh h\u01b0\u1edbng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":12247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[34],"tags":[],"ppma_author":[58],"class_list":["post-12244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quan-tri-tai-chinh"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.4 (Yoast SEO v24.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>H\u01b0\u1edbng d\u1eabn 8 b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh b\u00e0i b\u1ea3n v\u00e0 d\u1ec5 \u00e1p d\u1ee5ng<\/title>\n<meta name=\"description\" content=\"Kh\u00e1m ph\u00e1 8 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