{"id":378320,"date":"2024-08-22T10:45:06","date_gmt":"2024-08-22T03:45:06","guid":{"rendered":"https:\/\/hoanghamobile.com\/tin-tuc\/?p=378320"},"modified":"2024-08-22T10:45:06","modified_gmt":"2024-08-22T03:45:06","slug":"roa-la-gi","status":"publish","type":"post","link":"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/","title":{"rendered":"Ch\u1ec9 s\u1ed1 ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 ROA c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">B\u1ea1n c\u00f3 bi\u1ebft t\u1ea1i sao m\u1ed9t s\u1ed1 doanh nghi\u1ec7p l\u1ea1i c\u00f3 m\u1ee9c l\u1ee3i nhu\u1eadn cao h\u01a1n so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u00f9ng ng\u00e0nh kh\u00f4ng? C\u00e2u tr\u1ea3 l\u1eddi c\u00f3 th\u1ec3 n\u1eb1m \u1edf ch\u1ec9 s\u1ed1 ROA. ROA l\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o quan tr\u1ecdng gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p. Ch\u1ec9 s\u1ed1 n\u00e0y cho bi\u1ebft m\u1ed7i \u0111\u1ed3ng v\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p c\u00f3 th\u1ec3 gi\u00fap doanh nghi\u1ec7p \u0111\u00f3 t\u1ea1o ra \u0111\u01b0\u1ee3c bao nhi\u00eau \u0111\u1ed3ng l\u1ee3i nhu\u1eadn. \u0110\u1ec3 t\u00ecm hi\u1ec3u chi ti\u1ebft h\u01a1n v\u1ec1 ROA l\u00e0 g\u00ec, h\u00e3y c\u00f9ng Ho\u00e0ng H\u00e0 Mobile kh\u00e1m ph\u00e1 b\u00e0i vi\u1ebft sau!\u00a0<\/span><\/p>\n<h2><b>ROA l\u00e0 g\u00ec?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">ROA (vi\u1ebft t\u1eaft: Return on Assets) hay l\u1ee3i t\u1ee9c sinh l\u1eddi l\u00e0 m\u1ed9t ch\u1ec9 s\u1ed1 th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng gia t\u0103ng l\u1ee3i nhu\u1eadn tr\u00ean m\u1ed7i t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p. Ch\u1ec9 s\u1ed1 n\u00e0y \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ec1 hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p.\u00a0<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-1.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-1-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-1-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-378322 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-1.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-1.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-1-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-1-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">N\u1ebfu ROA t\u0103ng \u0111\u1ed3ng ngh\u0129a r\u1eb1ng doanh nghi\u1ec7p \u0111\u00f3 \u0111ang t\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 khi mang v\u1ec1 cho m\u00ecnh nhi\u1ec1u l\u1ee3i nhu\u1eadn. M\u1eb7t kh\u00e1c, ROA gi\u1ea3m cho th\u1ea5y r\u1eb1ng doanh nghi\u1ec7p ch\u01b0a t\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 gia t\u0103ng kh\u1ea3 n\u0103ng sinh l\u1eddi.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Theo Forbes, ch\u1ec9 s\u1ed1 ROA tr\u00ean 5% \u0111\u01b0\u1ee3c xem l\u00e0 t\u1ed1t v\u00e0 v\u01b0\u1ee3t tr\u00ean 20% l\u00e0 r\u1ea5t t\u1ed1t. Th\u1ebf nh\u01b0ng, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c v\u1ec1 m\u1ee9c \u0111\u1ed9 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 t\u00e0i s\u1ea3n th\u00ec doanh nghi\u1ec7p c\u1ea7n ph\u1ea3i ti\u1ebfn h\u00e0nh so s\u00e1nh ROA v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u00f9ng quy m\u00f4 v\u00e0 ng\u00e0nh.\u00a0<\/span><\/p>\n<h2><b>C\u00e1ch t\u00ednh ch\u1ec9 s\u1ed1 ROA\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u1ede n\u1ed9i dung n\u00e0y, h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u v\u1ec1 c\u00f4ng th\u1ee9c t\u00ednh ROA l\u00e0 g\u00ec. B\u1edfi v\u00ec ch\u1ec9 s\u1ed1 ROA th\u1ec3 hi\u1ec7n ph\u1ea7n tr\u0103m l\u1ee3i nhu\u1eadn thu v\u1ec1 d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p. Do \u0111\u00f3, \u0111\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c ch\u1ec9 s\u1ed1 n\u00e0y, b\u1ea1n c\u1ea7n l\u1ea5y l\u1ee3i nhu\u1eadn r\u00f2ng chia t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 sau \u0111\u00f3 \u0111em nh\u00e2n 100 \u0111\u1ec3 ra ph\u1ea7n tr\u0103m.\u00a0<\/span><\/p>\n<p><strong>C\u00f4ng th\u1ee9c:\u00a0<\/strong><\/p>\n<p><strong>ROA = (L\u1ee3i nhu\u1eadn r\u00f2ng\/T\u1ed5ng t\u00e0i s\u1ea3n) x 100%<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Trong \u0111\u00f3:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">L\u1ee3i nhu\u1eadn r\u00f2ng l\u00e0 kho\u1ea3n l\u1ee3i nhu\u1eadn th\u1ef1c sau khi \u0111\u00e3 tr\u1eeb \u0111i h\u1ebft chi ph\u00ed v\u00e0 thu\u1ebf.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">T\u1ed5ng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean b\u00ecnh qu\u00e2n c\u1ee7a t\u00e0i s\u1ea3n cu\u1ed1i k\u1ef3 n\u00e0y v\u00e0 t\u00e0i s\u1ea3n cu\u1ed1i k\u1ef3 tr\u01b0\u1edbc.\u00a0<\/span><\/li>\n<\/ul>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-2.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-2-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-2-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-378323 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-2.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-2.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-2-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-2-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">Ch\u1ec9 s\u1ed1 ROA sau khi t\u00ednh n\u1ebfu ra s\u1ed1 d\u01b0\u01a1ng v\u00e0 c\u00f3 gi\u00e1 tr\u1ecb c\u00e0ng cao \u0111\u1ed3ng ngh\u0129a r\u1eb1ng t\u1ef7 su\u1ea5t sinh l\u1eddi c\u00e0ng l\u1edbn. M\u1eb7t kh\u00e1c, kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a doanh nghi\u1ec7p c\u0169ng \u0111\u01b0\u1ee3c so s\u00e1nh th\u00f4ng qua ROA c\u1ee7a \u0111\u1ed1i th\u1ee7 ho\u1eb7c v\u1edbi m\u1ee9c trung b\u00ecnh chung c\u1ee7a ng\u00e0nh.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">N\u1ebfu ch\u1ec9 s\u1ed1 ROA cao th\u00ec doanh nghi\u1ec7p \u0111\u00f3 c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o ra m\u1ee9c l\u1ee3i nhu\u1eadn l\u1edbn h\u01a1n so v\u1edbi s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u. Hi\u1ec3u \u0111\u01a1n gi\u1ea3n, doanh nghi\u1ec7p \u0111\u00f3 bi\u1ebft c\u00e1ch s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u1ec3 \u201cti\u1ec1n sinh ra ti\u1ec1n\u201d. Th\u1ebf nh\u01b0ng, ROA cao c\u0169ng khi\u1ebfn \u0111\u1ed1i th\u1ee7 d\u1ec5 d\u00e0ng tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng nh\u1edd kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u00f2i h\u1ecfi v\u1ec1 ngu\u1ed3n v\u1ed1n ban \u0111\u1ea7u.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trong khi \u0111\u00f3, n\u1ebfu ROA th\u1ea5p th\u00ec doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea1o ra l\u1ee3i nhu\u1eadn m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh ho\u1eb7c so s\u00e1nh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u00f9ng ng\u00e0nh.\u00a0<\/span><\/p>\n<h2><b>\u00dd ngh\u0129a c\u1ee7a ch\u1ec9 s\u1ed1 ROA \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sau khi t\u00ecm hi\u1ec3u ROA l\u00e0 g\u00ec, c\u00f3 th\u1ec3 th\u1ea5y ch\u1ec9 s\u1ed1 n\u00e0y \u0111em \u0111\u1ebfn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng tin v\u1ec1 s\u1ed1 l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c t\u1ea1o ra t\u1eeb ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0. \u0110\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p c\u1ed5 ph\u1ea7n, ROA c\u00f3 nhi\u1ec1u s\u1ef1 kh\u00e1c bi\u1ec7t v\u00e0 th\u01b0\u1eddng b\u1ecb ph\u1ee5 thu\u1ed9c v\u00e0o l\u0129nh v\u1ef1c, ng\u00e0nh ngh\u1ec1 kinh doanh.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Khi so s\u00e1nh c\u00e1c doanh nghi\u1ec7p v\u1edbi nhau d\u1ef1a tr\u00ean ch\u1ec9 s\u1ed1 ROA, ng\u01b0\u1eddi d\u00f9ng c\u1ea7n l\u01b0u \u00fd so s\u00e1nh ROA c\u1ee7a c\u00e1c doanh nghi\u1ec7p qua t\u1eebng v\u00e0 gi\u1eefa nh\u1eefng doanh nghi\u1ec7p c\u00f9ng nh\u00f3m l\u0129nh v\u1ef1c, ng\u00e0nh ngh\u1ec1.\u00a0<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-3.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-3-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-3-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-378324 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-3.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-3.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-3-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-3-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp, m\u1ed9t doanh nghi\u1ec7p c\u00f3 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh \u0111\u1ec3 t\u1ea1o ra t\u00e0i s\u1ea3n hay kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n th\u00f4ng qua ch\u1ec9 s\u1ed1 ROA. N\u1ebfu ROA c\u00e0ng cao, \u0111\u1ed3ng ngh\u0129a r\u1eb1ng doanh nghi\u1ec7p \u0111\u00f3 thu v\u1ec1 kho\u1ea3n nhu\u1eadn l\u1edbn h\u01a1n s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00ed d\u1ee5: ROA c\u1ee7a doanh nghi\u1ec7p A c\u00f3 thu nh\u1eadp r\u00f2ng 20 t\u1ef7 VN\u0110 v\u00e0 t\u1ed5ng t\u00e0i s\u1ea3n 50 t\u1ef7 VN\u0110 l\u00e0 40%. N\u1ebfu doanh nghi\u1ec7p B c\u0169ng c\u00f3 c\u00f9ng kho\u1ea3n thu nh\u1eadp r\u00f2ng 20 t\u1ef7 VN\u0110 nh\u01b0ng t\u1ed5ng t\u00e0i s\u1ea3n 100 t\u1ef7 VN\u0110 th\u00ec ROA c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3 l\u00e0 20%. C\u00f3 th\u1ec3 th\u1ea5y, tuy c\u00f3 chung m\u1ee9c l\u1ee3i nhu\u1eadn l\u00e0 20 t\u1ef7 VN\u0110 nh\u01b0ng doanh nghi\u1ec7p A l\u1ea1i t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng kinh doanh hi\u1ec7u qu\u1ea3 h\u01a1n doanh nghi\u1ec7p B.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u1ed9t y\u1ebfu t\u1ed1 m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng n\u00ean ch\u00fa \u00fd \u0111\u1ebfn l\u00e0 t\u1ef7 l\u1ec7 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u1ee7a doanh nghi\u1ec7p. N\u1ebfu doanh thu c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng l\u1edbn h\u01a1n t\u1ed5ng chi ph\u00ed, \u0111i\u1ec1u n\u00e0y ch\u00ednh l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u k\u00e9m. Tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p t\u1eadn d\u1ee5ng hi\u1ec7u qu\u1ea3 \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh khi c\u00f3 ROA cao h\u01a1n chi ph\u00ed vay.\u00a0<\/span><\/p>\n<h2><b>Kh\u00e1c bi\u1ec7t gi\u1eefa ROA v\u00e0 ROE<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Trong qu\u00e1 tr\u00ecnh t\u00ecm hi\u1ec3u v\u1ec1 ROA l\u00e0 g\u00ec, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 th\u1ea5y ch\u1ec9 s\u1ed1 n\u00e0y v\u00e0 ROE &#8211; Return on Equity \u0111\u1ec1u l\u00e0 2 ch\u1ec9 s\u1ed1 quan tr\u1ecdng trong ph\u00e2n t\u00edch t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p. Tuy nhi\u00ean, ROA v\u00e0 ROE tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng gi\u1ed1ng nhau. C\u1ee5 th\u1ec3:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ch\u1ec9 s\u1ed1 ROA \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111o l\u01b0\u1eddng l\u1ee3i t\u1ee9c c\u1ee7a doanh nghi\u1ec7p, c\u00f2n ch\u1ec9 s\u1ed1 ROE &#8211; Return on Equity l\u00e0 l\u1ee3i t\u1ee9c sau thu\u1ebf d\u1ef1a tr\u00ean v\u1ed1n s\u1edf h\u1eefu. Nh\u01b0 v\u1eady, ROE ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 doanh nghi\u1ec7p s\u1eed d\u1ee5ng v\u1ed1n s\u1edf h\u1eefu v\u00e0 \u0111\u1ed9 r\u1ee7i ro c\u1ee7a c\u01a1 c\u1ea5u t\u00e0i s\u1ea3n. So v\u1edbi ROA, ROE \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao h\u01a1n.\u00a0<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-4.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-4-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-4-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-378325 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-4.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-4.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-4-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-4-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">ROA v\u00e0 ROE c\u00f3 m\u1ed1i li\u00ean h\u1ec7 d\u1ef1a tr\u00ean h\u1ec7 th\u1ed1ng vay n\u1ee3, n\u1ebfu n\u1ee3 c\u00e0ng \u00edt th\u00ec doanh nghi\u1ec7p c\u00e0ng t\u0103ng tr\u01b0\u1edfng. Tr\u01b0\u1eddng h\u1ee3p l\u00fd t\u01b0\u1edfng nh\u1ea5t l\u00e0 t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean v\u1ed1n s\u1edf h\u1eefu th\u1ea5p h\u01a1n 1.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Theo quy chu\u1ea9n qu\u1ed1c t\u1ebf, ch\u1ec9 s\u1ed1 ROE c\u1ee7a doanh nghi\u1ec7p &gt; 15% n\u00f3i l\u00ean r\u1eb1ng doanh nghi\u1ec7p \u0111\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh. Ch\u1ec9 s\u1ed1 ROA l\u00fac n\u00e0y &gt; 7.5%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c nh\u1ea5t v\u1ec1 t\u00ecnh h\u00ecnh kinh doanh c\u1ee7a doanh nghi\u1ec7p th\u00ec kh\u00f4ng n\u00ean \u0111\u00e1nh gi\u00e1 t\u1eebng n\u0103m ri\u00eang l\u1ebb m\u00e0 n\u00ean x\u00e9t \u00edt nh\u1ea5t 3 n\u0103m\/l\u1ea7n. N\u1ebfu doanh nghi\u1ec7p c\u00f3 th\u1ec3 duy tr\u00ec ch\u1ec9 s\u1ed1 ROE &gt; 10%, ROA &gt; 7.5% \u00edt nh\u1ea5t 3 n\u0103m \u0111\u01b0\u1ee3c xem l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ed1t.\u00a0<\/span><\/p>\n<h2><b>\u01afu nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a ROA l\u00e0 g\u00ec?\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">T\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1c c\u00f4ng c\u1ee5 \u0111o l\u01b0\u1eddng kh\u00e1c, ch\u1ec9 s\u1ed1 ROA c\u0169ng nh\u01b0 t\u1ed3n t\u1ea1i nh\u1eefng \u01b0u \u0111i\u1ec3m v\u00e0 h\u1ea1n ch\u1ebf ri\u00eang m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n n\u1eafm r\u00f5 \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.\u00a0<\/span><\/p>\n<h3><b>\u01afu \u0111i\u1ec3m\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">L\u1ee3i \u00edch m\u00e0 ch\u1ec9 s\u1ed1 ROA mang \u0111\u1ebfn cho doanh nghi\u1ec7p g\u1ed3m:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u1ec3 gia t\u0103ng l\u1ee3i nhu\u1eadn c\u1ee7a doanh nghi\u1ec7p.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu v\u00e0 v\u1ed1n vay \u0111\u1ec3 mua t\u00e0i s\u1ea3n v\u00e0 sinh l\u1ee3i.\u00a0<\/span><\/li>\n<\/ul>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-5.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-5-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-5-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-378326 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-5.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-5.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-5-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-5-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">B\u00ean c\u1ea1nh nh\u1eefng \u01b0u \u0111i\u1ec3m th\u00ec ch\u1ec9 s\u1ed1 ROA c\u0169ng t\u1ed3n t\u1ea1i m\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf c\u1ea7n l\u01b0u \u00fd qua n\u1ed9i dung b\u00ean d\u01b0\u1edbi \u0111\u00e2y.\u00a0<\/span><\/p>\n<h3><b>Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">B\u00ean c\u1ea1nh n\u1ed9i dung tr\u00ecnh b\u00e0y v\u1ec1 \u01b0u \u0111i\u1ec3m c\u1ee7a ROA l\u00e0 g\u00ec \u1edf tr\u00ean, sau \u0111\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m h\u1ea1n ch\u1ebf c\u1ee7a ch\u1ec9 s\u1ed1 ROA m\u00e0 c\u00e1c doanh nghi\u1ec7p v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n l\u01b0u \u00fd khi \u0111\u00e1nh gi\u00e1:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ROA kh\u00f4ng th\u1ef1c s\u1ef1 c\u00f3 \u00edch khi \u0111\u00e1nh gi\u00e1 doanh nghi\u1ec7p d\u1ecbch v\u1ee5 ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng v\u1edbi nhu c\u1ea7u ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn. Nh\u1eefng doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn th\u01b0\u1eddng y\u00eau c\u1ea7u kho\u1ea3n l\u1ee3i nhu\u1eadn l\u1edbn d\u00e0nh cho vi\u1ec7c mua t\u00e0i s\u1ea3n n\u00ean c\u00f3 gi\u00e1 tr\u1ecb ROA th\u1ea5p. M\u1eb7t kh\u00e1c, doanh nghi\u1ec7p d\u1ecbch v\u1ee5 l\u1ea1i c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 th\u1ea5p n\u00ean ROA cao.<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-6.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-6-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-6-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-378327 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-6.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-6.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-6-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-6-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">Kh\u00f3 kh\u0103n khi so s\u00e1nh gi\u1eefa c\u00e1c doanh nghi\u1ec7p v\u1edbi nhau n\u1ebfu s\u1ed1 li\u1ec7u s\u1eed d\u1ee5ng kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t \u1edf ph\u1ea7n t\u1eed s\u1ed1 trong t\u1ef7 l\u1ec7. C\u1ee5 th\u1ec3, c\u00f3 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p s\u1eed d\u1ee5ng s\u1ed1 li\u1ec7u t\u1eeb thu nh\u1eadp c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 m\u1ed9t s\u1ed1 kh\u00e1c d\u00f9ng l\u1ee3i nhu\u1eadn r\u00f2ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y ra hi\u1ec3u l\u1ea7m khi so s\u00e1nh c\u00e1c doanh nghi\u1ec7p v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c ti\u1ebfp c\u1eadn kh\u00e1c nhau.<\/span><\/p>\n<h2><b>ROA \u0111\u1ea1t bao nhi\u00eau l\u00e0 t\u1ed1t?\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">M\u1ed9t doanh nghi\u1ec7p \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng t\u1ed1t khi c\u00f3 ch\u1ec9 s\u1ed1 ROE \u2265 15% v\u00e0 ROA \u2265 7.5% (theo ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf). Th\u1ebf nh\u01b0ng hi\u1ec7n nay, c\u00e1ch th\u1ee9c x\u00e1c \u0111\u1ecbnh n\u00e0y \u0111\u00e3 kh\u00f4ng c\u00f2n ch\u00ednh x\u00e1c m\u00e0 c\u00f3 m\u1ed9t s\u1ed1 thay \u0111\u1ed5i nh\u1ea5t \u0111\u1ecbnh.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Theo \u0111\u00f3, hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p \u0111\u01b0\u1ee3c xem l\u00e0 t\u1ed1t th\u00f4ng qua ch\u1ec9 s\u1ed1 ROA c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o l\u0129nh v\u1ef1c c\u1ee7a doanh nghi\u1ec7p v\u00e0 so s\u00e1nh v\u1edbi ch\u1ec9 s\u1ed1 ROA c\u1ee7a \u0111\u1ed1i th\u1ee7 c\u0169ng nh\u01b0 ch\u1ec9 s\u1ed1 ROA trong qu\u00e1 kh\u1ee9.\u00a0<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-7.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-7-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-7-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-378328 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-7.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-7.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-7-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-7-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">B\u00ean c\u1ea1nh \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng c\u1ea7n ph\u00e2n t\u00edch ch\u1ec9 s\u1ed1 ROA trong 3 n\u0103m li\u00ean ti\u1ebfp \u0111\u1ec3 d\u1ec5 d\u00e0ng th\u1ea5y \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 kinh doanh tr\u00ean th\u1ef1c t\u1ebf c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3. V\u00ed d\u1ee5: Nh\u1eefng doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng \u1edf l\u0129nh v\u1ef1c c\u00f4ng nghi\u1ec7p n\u1eb7ng g\u1ed3m xi m\u0103ng, s\u1ea3n xu\u1ea5t, l\u1eafp r\u00e1p \u00f4 t\u00f4\u2026 v\u1edbi ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u (t\u00e0i s\u1ea3n) r\u1ea5t l\u1edbn th\u01b0\u1eddng c\u00f3 ch\u1ec9 s\u1ed1 ROA th\u1ea5p.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trong khi \u0111\u00f3, nh\u1eefng doanh nghi\u1ec7p thu\u1ed9c l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5, truy\u1ec1n th\u00f4ng hay CNTT v\u1edbi ngu\u1ed3n t\u00e0i s\u1ea3n ban \u0111\u1ea7u th\u1ea5p nh\u01b0ng l\u1ea1i c\u00f3 ROA cao. Ch\u00ednh v\u00ec \u0111i\u1ec1u n\u00e0y m\u00e0 nh\u00e0 \u0111\u1ea7u kh\u00f4ng n\u00ean so s\u00e1nh ch\u1ec9 s\u1ed1 ROA \u1edf c\u00e1c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng c\u00f9ng l\u0129nh v\u1ef1c.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Qua t\u00ecm hi\u1ec3u ROA l\u00e0 g\u00ec tr\u00ean, ch\u1ec9 s\u1ed1 n\u00e0y l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p t\u01b0\u01a1ng \u0111\u1ed1i hi\u1ec7u qu\u1ea3 \u0111\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 m\u1ed9t doanh nghi\u1ec7p. Tuy nhi\u00ean, kh\u00f4ng n\u00ean t\u1eadp trung v\u00e0o duy nh\u1ea5t m\u1ed9t ch\u1ec9 s\u1ed1 n\u00e0y m\u00e0 c\u1ea7n k\u1ebft h\u1ee3p v\u1edbi nhi\u1ec1u ch\u1ec9 s\u1ed1 c\u0169ng nh\u01b0 \u00e1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c ph\u00e2n t\u00edch kh\u00e1c \u0111\u1ec3 quan s\u00e1t \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p m\u1ed9t c\u00e1ch t\u1ed5ng quan nh\u1ea5t.\u00a0<\/span><\/p>\n<h2><b>M\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ea7n ghi nh\u1edb khi \u0111\u00e1nh gi\u00e1 doanh nghi\u1ec7p b\u1eb1ng ROA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Khi \u0111\u00e1nh gi\u00e1 m\u1ed9t doanh nghi\u1ec7p b\u1ea5t k\u1ef3 d\u1ef1a tr\u00ean ch\u1ec9 s\u1ed1 ROA, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n ghi nh\u1edb m\u1ed9t s\u1ed1 \u0111i\u1ec1u sau \u0111\u00e2y:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ch\u1ec9 s\u1ed1 ROA c\u00f3 th\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p nh\u01b0ng trong m\u1ed9t s\u1ed1 t\u00ecnh hu\u1ed1ng, n\u1ebfu ch\u1ec9 x\u00e9t m\u1ed7i ch\u1ec9 s\u1ed1 n\u00e0y s\u1ebd kh\u00f4ng ho\u00e0n to\u00e0n ch\u00ednh x\u00e1c. Ch\u1eb3ng h\u1ea1n v\u1edbi c\u00e1c doanh nghi\u1ec7p CNTT ho\u1eb7c ng\u00e0nh ti\u00eau d\u00f9ng kh\u00f4ng c\u1ea7n nhi\u1ec1u t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh th\u01b0\u1eddng c\u00f3 ROA th\u1ea5p.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u1ea1i kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u00fang v\u1ec1 hi\u1ec7u qu\u1ea3 kinh doanh c\u1ee7a doanh nghi\u1ec7p. Do \u0111\u00f3 m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n quan t\u00e2m \u0111\u1ebfn nhi\u1ec1u ch\u1ec9 s\u1ed1 kh\u00e1c g\u1ed3m P\/E, ROE \u0111\u1ec3 c\u00f3 k\u1ebft qu\u1ea3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c h\u01a1n.\u00a0<\/span><\/p>\n<p><picture><source srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-8.jpg.webp 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-8-300x169.jpg.webp 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/webp-express\/webp-images\/uploads\/2024\/08\/roa-la-gi-8-768x432.jpg.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" type=\"image\/webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-378329 webpexpress-processed\" src=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-8.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-8.jpg 800w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-8-300x169.jpg 300w, https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi-8-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">M\u1ed9t y\u1ebfu t\u1ed1 kh\u00e1c c\u0169ng h\u1eefu \u00edch kh\u00f4ng k\u00e9m khi \u0111\u00e1nh gi\u00e1 doanh nghi\u1ec7p ch\u00ednh l\u00e0 x\u00e9t \u0111\u1ebfn c\u01a1 c\u1ea5u t\u00e0i s\u1ea3n. Theo \u0111\u00f3, t\u00e0i s\u1ea3n doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng v\u1ed1n vay v\u00e0 v\u1ed1n c\u1ed5 \u0111\u00f4ng. T\u1ef7 l\u1ec7 gi\u1eefa 2 ngu\u1ed3n v\u1ed1n n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t ch\u1ec9 s\u1ed1 quan tr\u1ecdng \u0111\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c m\u1ee9c \u0111\u1ed9 r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u01a1 c\u1ea5u t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kh\u00e1c v\u1edbi c\u00e1c l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh nh\u01b0 ch\u1ee9ng kho\u00e1n, ng\u00e2n h\u00e0ng ho\u1eb7c b\u1ea3o hi\u1ec3m, ROA c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng m\u1ed9t c\u00e1ch \u0111\u1ed9c l\u1eadp v\u00ec t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p l\u00fac n\u00e0y th\u01b0\u1eddng g\u1ed3m ch\u1ee9ng kho\u00e1n, kho\u1ea3n vay v\u00e0 ti\u1ec1n g\u1eedi. \u0110\u00e2y l\u00e0 nh\u1eefng t\u00e0i s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n cao v\u00e0 c\u00f3 tr\u00edch l\u1ee5c d\u1ef1 ph\u00f2ng. V\u00ec v\u1eady m\u00e0 t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ee7a nh\u1eefng \u0111\u01a1n v\u1ecb k\u1ec3 tr\u00ean khi \u0111\u01b0\u1ee3c ho\u1ea1ch \u0111\u1ecbnh tr\u00ean b\u1ea3ng k\u1ebf to\u00e1n c\u00f3 gi\u00e1 tr\u1ecb x\u1ea5p x\u1ec9 v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c v\u00e0 gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng.\u00a0<\/span><\/p>\n<h2><b>K\u1ebft lu\u1eadn<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">B\u00ean tr\u00ean l\u00e0 nh\u1eefng th\u00f4ng tin chi ti\u1ebft tr\u00ecnh b\u00e0y v\u1ec1 ROA l\u00e0 g\u00ec, t\u1ea7m quan tr\u1ecdng v\u00e0 c\u00e1c \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m m\u00e0 ch\u1ec9 s\u1ed1 n\u00e0y mang l\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 doanh nghi\u1ec7p. Hy v\u1ecdng b\u00e0i vi\u1ebft c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ed9c gi\u1ea3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ch\u1ec9 s\u1ed1 n\u00e0y.\u00a0\u00a0<\/span><\/p>\n<p>Xem th\u00eam b\u00e0i vi\u1ebft:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/hoanghamobile.com\/tin-tuc\/pitch-la-gi\/\">\u0110\u1ecbnh ngh\u0129a l\u1ea1i \u201cPitch\u201d cho c\u00e1c nh\u00e0 kh\u1edfi nghi\u1ec7p v\u00e0 qu\u1ef9 \u0111\u1ea7u t\u01b0<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/hoanghamobile.com\/tin-tuc\/shark-la-gi\/\">Shark l\u00e0 g\u00ec? Shark Tank l\u00e0 g\u00ec? C\u00e1ch \u0111\u0103ng k\u00fd Shark Tank Vi\u1ec7t Nam?<\/a><\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea1n c\u00f3 bi\u1ebft t\u1ea1i sao m\u1ed9t s\u1ed1 doanh nghi\u1ec7p l\u1ea1i c\u00f3 m\u1ee9c l\u1ee3i nhu\u1eadn cao h\u01a1n so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u00f9ng ng\u00e0nh kh\u00f4ng? C\u00e2u tr\u1ea3 l\u1eddi c\u00f3 th\u1ec3 n\u1eb1m \u1edf ch\u1ec9 s\u1ed1 ROA. ROA l\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o quan tr\u1ecdng gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p. Ch\u1ec9 [&hellip;]<\/p>\n","protected":false},"author":115,"featured_media":378321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29235,3910],"tags":[],"class_list":["post-378320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-goc-to-mo","category-kham-pha"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ch\u1ec9 s\u1ed1 ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 ROA c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?<\/title>\n<meta name=\"description\" content=\"ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 n\u00e0y l\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o quan tr\u1ecdng gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed9t doanh nghi\u1ec7p.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ch\u1ec9 s\u1ed1 ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 ROA c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?\" \/>\n<meta property=\"og:description\" content=\"ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 n\u00e0y l\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o quan tr\u1ecdng gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed9t doanh nghi\u1ec7p.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\" \/>\n<meta property=\"og:site_name\" content=\"Tin t\u1ee9c c\u00f4ng ngh\u1ec7 - HoangHaMobile\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hoanghamobilecom\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-22T03:45:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u1ea7n L\u00ea Mai Trinh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u1ea7n L\u00ea Mai Trinh\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\"},\"author\":{\"name\":\"Tr\u1ea7n L\u00ea Mai Trinh\",\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/#\/schema\/person\/4e9cae809710e7e242c46ab940c71ba1\"},\"headline\":\"Ch\u1ec9 s\u1ed1 ROA l\u00e0 g\u00ec? Ch\u1ec9 s\u1ed1 ROA c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?\",\"datePublished\":\"2024-08-22T03:45:06+00:00\",\"dateModified\":\"2024-08-22T03:45:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\"},\"wordCount\":3058,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/#organization\"},\"image\":{\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/hoanghamobile.com\/tin-tuc\/wp-content\/uploads\/2024\/08\/roa-la-gi.jpg\",\"articleSection\":[\"G\u00f3c t\u00f2 m\u00f2\",\"Kh\u00e1m Ph\u00e1\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\",\"url\":\"https:\/\/hoanghamobile.com\/tin-tuc\/roa-la-gi\/\",\"name\":\"Ch\u1ec9 s\u1ed1 ROA l\u00e0 g\u00ec? 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