{"id":22874,"date":"2023-09-18T07:18:16","date_gmt":"2023-09-18T14:18:16","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=22874"},"modified":"2026-03-19T07:43:50","modified_gmt":"2026-03-19T14:43:50","slug":"nam-bai-hoc-tu-le-ky-niem-mot-nam-thanh-lap-phong-thi-nghiem-sang-tao-viec-lam-tot-cua-pcv","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2023\/09\/18\/five-lessons-from-the-one-year-anniversary-of-pcvs-good-jobs-innovation-lab\/","title":{"rendered":"N\u0103m b\u00e0i h\u1ecdc t\u1eeb l\u1ec5 k\u1ef7 ni\u1ec7m m\u1ed9t n\u0103m th\u00e0nh l\u1eadp Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t c\u1ee7a PCV"},"content":{"rendered":"

B\u00e0i vi\u1ebft c\u1ee7a Bulbul Gupta, Ch\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh; v\u00e0 Casey Bell, Gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch T\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i.<\/strong><\/p>\r\n\r\n\r\n\r\n

M\u1ed9t n\u0103m tr\u01b0\u1edbc, Pacific Community Ventures \u0111\u00e3 ra m\u1eaft Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t (Good Jobs Innovation Lab) t\u1ea1i S\u00e1ng ki\u1ebfn To\u00e0n c\u1ea7u Clinton.<\/a>. Ch\u00fang t\u00f4i \u0111\u00e3 b\u1eaft \u0111\u1ea7u m\u1ed9t d\u1ef1 \u00e1n \u0111\u1ea7y tham v\u1ecdng. Ch\u01b0\u01a1ng tr\u00ecnh nghi\u00ean c\u1ee9u n\u0103m tr\u1ee5 c\u1ed9t<\/a> Kh\u00e1m ph\u00e1 s\u1ef1 giao thoa gi\u1eefa v\u1ed1n ph\u1ee5c h\u1ed3i v\u00e0 t\u01b0 v\u1ea5n kinh doanh cho ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p v\u00e0 c\u00e1c doanh nh\u00e2n da m\u00e0u \u2013 v\u1edbi m\u1ee5c ti\u00eau th\u00fac \u0111\u1ea9y h\u00e0nh tr\u00ecnh x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 cho nh\u1eefng ng\u01b0\u1eddi v\u00e0 nh\u1eefng n\u01a1i b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p, t\u1eebng vi\u1ec7c l\u00e0m t\u1ed1t m\u1ed9t. Nh\u00ecn l\u1ea1i n\u0103m qua, ch\u00fang t\u00f4i v\u00f4 c\u00f9ng t\u1ef1 h\u00e0o v\u00e0 ph\u1ea5n kh\u1edfi v\u1ec1 h\u00e0nh tr\u00ecnh m\u00e0 \u0111\u1ed9i ng\u0169 c\u1ee7a ch\u00fang t\u00f4i v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ed9ng \u0111\u1ed3ng \u0111\u00e3 c\u00f9ng nhau tr\u1ea3i qua, c\u0169ng nh\u01b0 v\u1ec1 vi\u1ec7c c\u00f9ng nhau h\u1ecdc h\u1ecfi v\u00e0 x\u00e2y d\u1ef1ng l\u0129nh v\u1ef1c m\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c trong m\u1ed9t th\u1eddi gian ng\u1eafn nh\u01b0 v\u1eady. Th\u00f4ng qua m\u00f4 h\u00ecnh t\u00edch h\u1ee3p c\u1ee7a ch\u00fang t\u00f4i, k\u1ebft h\u1ee3p v\u1ed1n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, c\u1ed1 v\u1ea5n kinh doanh mi\u1ec5n ph\u00ed v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p nghi\u00ean c\u1ee9u ph\u00f2ng th\u00ed nghi\u1ec7m \u0111\u1ed5i m\u1edbi, N\u0103m 2022, PCV \u0111\u00e3 c\u00f3 th\u1ec3 tri\u1ec3n khai 14.000 b\u1ea3ng Anh v\u1ed1n \u0111\u1ea7u t\u01b0, trong \u0111\u00f3 921.000 b\u1ea3ng Anh d\u00e0nh cho c\u00e1c doanh nh\u00e2n da m\u00e0u v\u00e0 ph\u1ee5 n\u1eef, v\u00e0 981.000 b\u1ea3ng Anh d\u00e0nh cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh. T\u1ea5t c\u1ea3 \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong khi <\/em><\/strong>l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c tr\u00ecnh chi\u1ebfu<\/em><\/strong><\/a> \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 xe b\u1ecdc th\u00e9p 86% \u0111\u00e3 \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0o c\u00e1c c\u1ed9ng \u0111\u1ed3ng v\u1ed1n b\u1ecb ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed v\u1ec1 m\u1eb7t x\u00e3 h\u1ed9i. <\/em><\/strong><\/p>\r\n\r\n\r\n\r\n

C\u00f4ng vi\u1ec7c c\u1ee7a ch\u00fang t\u00f4i xu\u1ea5t hi\u1ec7n v\u00e0o th\u1eddi \u0111i\u1ec3m v\u00f4 c\u00f9ng quan tr\u1ecdng, khi c\u00e1c doanh nh\u00e2n da m\u00e0u ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c ch\u1ed3ng ch\u00e9o: t\u1eeb l\u1ea1m ph\u00e1t v\u00e0 n\u1ed7i lo suy tho\u00e1i kinh t\u1ebf l\u00e0m h\u1ea1n ch\u1ebf ngu\u1ed3n v\u1ed1n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, \u0111\u1ebfn vi\u1ec7c \u0111\u1ea3o ng\u01b0\u1ee3c c\u00e1c ti\u1ec1n l\u1ec7 ph\u00e1p l\u00fd v\u1ec1 Quy\u1ec1n c\u00f4ng d\u00e2n v\u00e0 c\u00e1c cam k\u1ebft c\u1ee7a doanh nghi\u1ec7p v\u1ed1n \u0111\u01b0\u1ee3c d\u00e0nh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ecd nhi\u1ec1u nh\u1ea5t. Nh\u1eefng doanh nh\u00e2n b\u1ecb g\u1ea1t ra ngo\u00e0i l\u1ec1 x\u00e3 h\u1ed9i trong l\u1ecbch s\u1eed, v\u1eeba m\u1edbi v\u1ef1c d\u1eady sau n\u1ec1n kinh t\u1ebf h\u1ed7n lo\u1ea1n th\u1eddi COVID, l\u1ea1i ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t v\u1ef1c th\u1eb3m kh\u00e1c tr\u00ean h\u00e0nh tr\u00ecnh x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 cho c\u00e1c th\u1ebf h\u1ec7 mai sau \u2013 nhi\u1ec1u gia \u0111\u00ecnh trong s\u1ed1 \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 nh\u1eefng gia \u0111\u00ecnh \u0111\u00e3 tr\u1ea3i qua s\u1ef1 suy gi\u1ea3m m\u1ed9t n\u1eeda t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi da \u0111en sau cu\u1ed9c \u0110\u1ea1i suy tho\u00e1i.<\/p>\r\n\r\n\r\n\r\n

Nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y mang t\u00ednh h\u1ec7 th\u1ed1ng \u2013 v\u00e0 \u0111e d\u1ecda c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta<\/a> \u2013 d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c tr\u1ebb em, b\u1ea3o tr\u00ec nh\u00e0 c\u1eeda, ch\u0103m s\u00f3c c\u00e1 nh\u00e2n, d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p. C\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u0169ng l\u00e0 nh\u1eefng v\u01b0\u1eddn \u01b0\u01a1m v\u00f4 gi\u00e1 cho nh\u1eefng \u0111\u1ed5i m\u1edbi \u0111\u1ed9t ph\u00e1. m\u00e0 n\u1ebfu thi\u1ebfu \u0111i th\u00ec n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta kh\u00f4ng th\u1ec3 c\u1ea1nh tranh \u0111\u01b0\u1ee3c. <\/strong><\/p>\r\n\r\n\r\n\r\n

Nh\u00e2n d\u1ecbp k\u1ef7 ni\u1ec7m m\u1ed9t n\u0103m th\u00e0nh l\u1eadp ph\u00f2ng th\u00ed nghi\u1ec7m, v\u00e0 K\u1ef7 ni\u1ec7m 25 n\u0103m PCV v\u1edbi t\u01b0 c\u00e1ch l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i<\/a>, Ch\u00fang t\u00f4i v\u00f4 c\u00f9ng bi\u1ebft \u01a1n... c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 v\u00e0 \u0111\u1ed1i t\u00e1c s\u00e1ng l\u1eadp<\/a> Nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a h\u1ecd, PCV c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c nghi\u00ean c\u1ee9u v\u00e0 \u0111\u1ed5i m\u1edbi quan tr\u1ecdng nh\u1eb1m t\u1ea1o ra nh\u1eefng thay \u0111\u1ed5i t\u00edch c\u1ef1c. Ch\u00fang t\u00f4i t\u1ef1 h\u00e0o chia s\u1ebb n\u0103m b\u00e0i h\u1ecdc kinh nghi\u1ec7m quan tr\u1ecdng trong n\u0103m \u0111\u1ea7u ti\u00ean v\u00e0 m\u1ed9t v\u00e0i suy ngh\u0129 v\u1ec1 nh\u1eefng \u0111i\u1ec1u c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai.<\/p>\r\n\r\n\r\n\r\n

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  1. \u0110\u00e3 \u0111\u1ebfn l\u00fac m\u1edf r\u1ed9ng ph\u1ea1m vi th\u1ea3o lu\u1eadn v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t.<\/strong><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

    \u201cT\u00f4i s\u1ebd th\u00fa nh\u1eadn m\u1ed9t \u0111i\u1ec1u. Su\u1ed1t c\u1ea3 n\u0103m ngo\u00e1i, t\u00f4i \u0111\u00e3 tr\u1ea3 l\u01b0\u01a1ng cho c\u00e1c qu\u1ea3n l\u00fd c\u1ee7a m\u00ecnh nhi\u1ec1u h\u01a1n c\u1ea3 l\u01b0\u01a1ng cho b\u1ea3n th\u00e2n, v\u00e0 h\u1ecd s\u1ebd kh\u00f4ng bao gi\u1edd bi\u1ebft \u0111i\u1ec1u \u0111\u00f3.\u201d <\/em>Gi\u1ea3i th\u01b0\u1edfng Doanh nh\u00e2n T\u1ea1o vi\u1ec7c l\u00e0m T\u1ed1t n\u0103m 2023 c\u1ee7a Pacific Community Ventures<\/p>\r\n\r\n\r\n\r\n

    Ph\u1ea7n l\u1edbn kh\u00e1ch h\u00e0ng c\u1ee7a PCV b\u00e0y t\u1ecf s\u1ef1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c theo \u0111u\u1ed5i c\u00e1c th\u1ef1c ti\u1ec5n t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t \u2013 v\u00e0 r\u00e0o c\u1ea3n \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn nhi\u1ec1u nh\u1ea5t l\u00e0 chi ph\u00ed. \u0110\u1ec3 t\u00ecm hi\u1ec3u s\u00e2u h\u01a1n v\u1ec1 c\u00e1ch t\u1ea1o ra nh\u1eefng vi\u1ec7c l\u00e0m t\u1ed1t d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c doanh nh\u00e2n da m\u00e0u, PCV \u0111\u00e3 kh\u1edfi \u0111\u1ed9ng ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y. Ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc b\u1ed5ng kh\u1edfi nghi\u1ec7p Good Jobs Entrepreneurship<\/a>. Nh\u00f3m ch\u00fang t\u00f4i \u0111\u00e3 li\u00ean h\u1ec7 v\u1edbi 14 doanh nh\u00e2n t\u1eeb danh m\u1ee5c cho vay c\u1ee7a ch\u00fang t\u00f4i, nh\u1eefng ng\u01b0\u1eddi xu\u1ea5t s\u1eafc trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t so v\u1edbi c\u00e1c doanh nghi\u1ec7p c\u00f9ng ng\u00e0nh. C\u00f9ng nhau, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e2y d\u1ef1ng m\u1ed9t c\u1ed9ng \u0111\u1ed3ng h\u1ecdc t\u1eadp ti\u00ean ti\u1ebfn v\u00e0 t\u00edch h\u1ee3p ph\u01b0\u01a1ng ph\u00e1p thu th\u1eadp \u00fd ki\u1ebfn ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 kh\u00e1m ph\u00e1 nh\u1eefng r\u00e0o c\u1ea3n v\u00e0 c\u01a1 h\u1ed9i cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n \u0111\u00e1p \u1ee9ng t\u1ed1t nh\u1ea5t nhu c\u1ea7u \u0111\u00e3 n\u00eau c\u1ee7a nh\u00e2n vi\u00ean. <\/p>\r\n\r\n\r\n\r\n

    M\u1ed9t ch\u1ee7 \u0111\u1ec1 quan tr\u1ecdng v\u00e0 \u0111\u00e1ng ng\u1ea1c nhi\u00ean n\u1ed5i l\u00ean l\u00e0 trong khi nhi\u1ec1u ng\u01b0\u1eddi tham gia ch\u01b0\u01a1ng tr\u00ecnh nh\u1eadn th\u1ee9c r\u00f5 v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i cung c\u1ea5p nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t \u0111\u1ec3 gi\u1eef ch\u00e2n v\u00e0 thu h\u00fat nh\u00e2n vi\u00ean, \u0111\u1eb7c bi\u1ec7t l\u00e0 sau l\u00e0n s\u00f3ng ngh\u1ec9 vi\u1ec7c h\u00e0ng lo\u1ea1t n\u0103m 2022, v\u00e0 \u0111\u1ec1u cung c\u1ea5p quy\u1ec1n l\u1ee3i v\u00e0 hai tu\u1ea7n ngh\u1ec9 ph\u00e9p c\u00f3 l\u01b0\u01a1ng cho nh\u00e2n vi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi l\u1ea1i l\u01b0u \u00fd r\u1eb1ng nh\u1eefng th\u1ef1c ti\u1ec5n t\u1ea1o ra c\u00f4ng vi\u1ec7c t\u1ed1t n\u00e0y l\u1ea1i ph\u1ea3i tr\u1ea3 gi\u00e1 \u0111\u1eaft \u0111\u1ed1i v\u1edbi ch\u00ednh h\u1ecd. h\u00e0nh tr\u00ecnh \u0111\u1ebfn t\u1ef1 do t\u00e0i ch\u00ednh<\/em><\/strong> \u2013 m\u1ed9t th\u00e1ch th\u1ee9c kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft b\u1eb1ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt truy\u1ec1n th\u1ed1ng. C\u00f9ng v\u1edbi c\u00e1c \u0111\u1ed3ng nghi\u1ec7p c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i Calidris<\/a>, Ch\u00fang t\u00f4i \u0111\u00e3 t\u1eadn d\u1ee5ng nh\u1eefng ph\u00e1t hi\u1ec7n c\u1ee7a m\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c \u0111i\u1ec3m kh\u00f3 kh\u0103n v\u00e0 con \u0111\u01b0\u1eddng k\u00edch ho\u1ea1t cho c\u00e1c doanh nh\u00e2n khi \u00e1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u2013 v\u00e0 m\u1ed9t nghi\u00ean c\u1ee9u s\u1eafp t\u1edbi d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o cu\u1ed1i n\u0103m nay. Vi\u1ec7c m\u1edf r\u1ed9ng c\u00e2u chuy\u1ec7n v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ch\u00fang \u2013 k\u1ec3 c\u1ea3 ch\u00ednh c\u00e1c doanh nh\u00e2n \u2013 l\u00e0 \u0111i\u1ec1u thi\u1ebft y\u1ebfu.<\/em><\/strong><\/p>\r\n\r\n\r\n\r\n

    Ch\u00fang t\u00f4i c\u0169ng r\u1ea5t vui m\u1eebng \u0111\u01b0\u1ee3c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed3ng nghi\u1ec7p c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i M\u1ea1ng l\u01b0\u1edbi s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh<\/a>k kh\u1edfi \u0111\u1ed9ng S\u00e0n giao d\u1ecbch \u0110\u1ed5i m\u1edbi L\u1ee3i \u00edch nh\u1eb1m h\u1ed7 tr\u1ee3 thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m v\u00e0 gi\u1ea3m thi\u1ec3u chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng cho c\u00e1c nh\u00e0 \u0111\u1ed5i m\u1edbi l\u1ee3i \u00edch \u0111ang t\u00ecm c\u00e1ch h\u1ed7 tr\u1ee3 t\u1ed1t h\u01a1n cho c\u00e1c doanh nh\u00e2n da m\u00e0u.<\/p>\r\n\r\n\r\n\r\n

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    \"\"<\/a><\/figure>\r\n<\/figure>\r\n\r\n\r\n\r\n
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    1. T\u0103ng tr\u01b0\u1edfng doanh thu, v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 l\u1ee3i nhu\u1eadn, c\u00f3 m\u1ed1i t\u01b0\u01a1ng quan cao v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n qu\u1ea3n l\u00fd vi\u1ec7c l\u00e0m t\u1ed1t \u2013 nh\u01b0ng kh\u00f4ng nh\u1ea5t thi\u1ebft \u0111\u00fang v\u1edbi c\u00e1c c\u00f4ng ty t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t.<\/strong><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

      Song song v\u1edbi ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc b\u1ed5ng, Ph\u00f2ng th\u00ed nghi\u1ec7m \u0111\u00e3 tri\u1ec3n khai v\u00e0 t\u1eadn d\u1ee5ng m\u1ed9t kho d\u1eef li\u1ec7u \u0111\u00e1m m\u00e2y ho\u00e0n to\u00e0n m\u1edbi \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi Snowflake v\u00e0 h\u1ec7 th\u1ed1ng tr\u1ef1c quan h\u00f3a Tableau, cho ph\u00e9p ch\u00fang t\u00f4i theo d\u00f5i t\u1ed1t h\u01a1n h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng theo th\u1eddi gian \u2013 v\u00e0 n\u00e2ng cao kh\u1ea3 n\u0103ng ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u \u0111\u1ec3 ph\u1ee5c v\u1ee5 h\u1ecd t\u1ed1t h\u01a1n. Ch\u00fang t\u00f4i \u0111\u00e3 t\u1ea1o ra c\u00e1c b\u1ea3ng d\u1eef li\u1ec7u chuy\u00ean s\u00e2u \u0111\u1ec3 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c nh\u00e0 tuy\u1ec3n d\u1ee5ng v\u00e0 hi\u1ec3u r\u00f5 h\u01a1n lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p v\u00e0 th\u00e0nh vi\u00ean c\u1ed9ng \u0111\u1ed3ng n\u00e0o \u0111ang l\u00e0m t\u1ed1t, v\u00e0 lo\u1ea1i n\u00e0o \u0111ang t\u1ee5t h\u1eadu trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n vi\u1ec7c l\u00e0m t\u1ed1t.<\/p>\r\n\r\n\r\n\r\n

      C\u00f3 l\u1ebd kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng ng\u1ea1c nhi\u00ean khi l\u1ee3i nhu\u1eadn l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t \u2013 c\u00e1c doanh nghi\u1ec7p c\u00f3 l\u1ee3i nhu\u1eadn cao c\u00f3 kh\u1ea3 n\u0103ng \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n v\u1ec1 vi\u1ec7c l\u00e0m t\u1ed1t g\u1ea5p 3,7 l\u1ea7n. Tuy nhi\u00ean, c\u00e1c doanh nghi\u1ec7p t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t l\u1ea1i c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng t\u1ea1m d\u1eebng, ho\u1eb7c th\u1eadm ch\u00ed t\u1eeb b\u1ecf, c\u00e1c th\u1ef1c ti\u1ec5n \u0111\u00f3 trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a m\u00ecnh. T\u0103ng tr\u01b0\u1edfng v\u1eeba ph\u1ea3i v\u00e0 b\u1ec1n v\u1eefng l\u00e0 m\u00f4i tr\u01b0\u1eddng l\u00fd t\u01b0\u1edfng \u0111\u1ec3 t\u1ea1o ra vi\u1ec7c l\u00e0m t\u1ed1t.<\/em><\/strong>, V\u00e0 c\u1ea7n c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 cho nh\u1eefng ng\u01b0\u1eddi t\u1ea1o ra vi\u1ec7c l\u00e0m theo m\u00f4 h\u00ecnh \u201ct\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nh\u01b0 t\u00ean l\u1eeda\u201d, nh\u1eefng ng\u01b0\u1eddi \u0111ang g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c \u01b0u ti\u00ean ch\u1ea5t l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c trong th\u1eddi gian th\u1ef1c. N\u0103m 2024, ch\u00fang t\u00f4i r\u1ea5t vui m\u1eebng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 c\u00e1c c\u1ed1 v\u1ea5n c\u1ee7a Good Jobs v\u1ec1... T\u01b0 v\u1ea5n kinh doanh c\u1ee7a PCV <\/a>N\u1ec1n t\u1ea3ng n\u00e0y cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft v\u00e0 c\u00f4ng c\u1ee5 m\u1edbi m\u1ebb t\u1eeb nghi\u00ean c\u1ee9u n\u00e0y nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ed1 v\u1ea5n sau \u0111\u1ea7u t\u01b0, g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3.<\/p>\r\n\r\n\r\n\r\n

        \r\n
      1. Kh\u00e1i ni\u1ec7m truy\u1ec1n th\u1ed1ng v\u1ec1 t\u00e1c \u0111\u1ed9ng m\u00f4i tr\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 th\u1ea5p gi\u00e1 tr\u1ecb c\u1ee7a vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro h\u1ec7 th\u1ed1ng th\u00f4ng qua v\u1ed1n ph\u1ee5c h\u1ed3i.<\/strong><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

        \u0110\u1ec3 ph\u00e1t huy t\u1ed1i \u0111a t\u00e1c \u0111\u1ed9ng c\u1ee7a ngu\u1ed3n v\u1ed1n ph\u1ee5c h\u1ed3i, nh\u00f3m PCV \u0111\u00e3 ti\u1ebfn h\u00e0nh th\u00ed \u0111i\u1ec3m. m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng m\u1edbi<\/a>, v\u00e0 so s\u00e1nh danh m\u1ee5c \u0111\u1ea7u t\u01b0 l\u1ecbch s\u1eed c\u1ee7a ch\u00fang t\u00f4i v\u1edbi l\u1ed9 tr\u00ecnh tri\u1ec3n khai b\u1ea3o hi\u1ec3m t\u00e1c \u0111\u1ed9ng theo th\u1eddi gian th\u1ef1c. Khi ch\u00fang t\u00f4i xem x\u00e9t tr\u00ean c\u00e1c qu\u1ef9 v\u00e0 s\u1ea3n ph\u1ea9m \u2013 Ch\u00fang t\u00f4i \u0111\u00e3 t\u00ecm th\u1ea5y b\u1eb1ng ch\u1ee9ng x\u00e1c th\u1ef1c m\u1ea1nh m\u1ebd v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a Qu\u1ef9 Cho Vay Ph\u1ee5c H\u1ed3i Oakland d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a ch\u00fang t\u00f4i.<\/a>. Qu\u1ef9 n\u00e0y \u0111\u00e3 cung c\u1ea5p c\u00e1c kho\u1ea3n vay 0% kh\u00f4ng t\u00ednh ph\u00ed cho kh\u00e1ch h\u00e0ng khi ch\u01b0\u01a1ng tr\u00ecnh PPP k\u1ebft th\u00fac v\u00e0o cu\u1ed1i n\u0103m 2021 \u0111\u1ebfn n\u0103m 2022 \u2013 v\u00e0 \u0111\u00e3 cung c\u1ea5p s\u1ef1 h\u1ed7 tr\u1ee3 k\u1ecbp th\u1eddi, thi\u1ebft y\u1ebfu \u0111\u1ec3 duy tr\u00ec h\u00e0ng ch\u1ee5c doanh nghi\u1ec7p. Tuy nhi\u00ean, t\u00e1c \u0111\u1ed9ng n\u00e0y \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00f4ng qua vi\u1ec7c gi\u1ea3m 1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh. M\u1eb7c d\u00f9 v\u1eady, c\u1ea5u tr\u00fac qu\u1ef9<\/a> v\u1eabn mang l\u1ea1i l\u1ee3i nhu\u1eadn khi\u00eam t\u1ed1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u00ednh.<\/p>\r\n\r\n\r\n\r\n

        T\u00ednh ch\u1ee7 \u0111\u00edch trong vi\u1ec7c c\u00f9ng nhau ki\u1ebfn t\u1ea1o c\u1ed9ng \u0111\u1ed3ng<\/a> \u0110\u00e2y ch\u00ednh l\u00e0 \u201cb\u00ed quy\u1ebft th\u00e0nh c\u00f4ng\u201d trong vi\u1ec7c ti\u1ebfp c\u1eadn 100% c\u00e1c doanh nh\u00e2n da m\u00e0u v\u00e0 c\u00e1c doanh nh\u00e2n n\u1eef v\u00e0o th\u1eddi \u0111i\u1ec3m quan tr\u1ecdng. N\u1ebfu kh\u00f4ng c\u00f3 lo\u1ea1i \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean t\u00e1c \u0111\u1ed9ng n\u00e0y, v\u00e0 s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i nh\u1ecf v\u1ec1 l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh, c\u00e1c doanh nh\u00e2n da m\u00e0u trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i ch\u1eafc ch\u1eafn s\u1ebd r\u01a1i v\u00e0o v\u1ef1c th\u1eb3m kinh t\u1ebf kh\u00e1c. H\u01a1n n\u1eefa, ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y r\u1eb1ng c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng kh\u00e1c mang l\u1ea1i l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh cao h\u01a1n nh\u01b0ng c\u00f3 h\u1ed3 s\u01a1 t\u00e1c \u0111\u1ed9ng kh\u00e1c (v\u00ed d\u1ee5: kh\u00f4ng quan t\u00e2m \u0111\u1ebfn k\u1ebft qu\u1ea3 c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i) c\u00f3 nguy c\u01a1 l\u00e0m gi\u1ea3m thi\u1ec3u s\u1ef1 c\u00f4ng b\u1eb1ng v\u1ec1 ch\u1ee7ng t\u1ed9c tr\u00ean l\u0129nh v\u1ef1c t\u00e1c \u0111\u1ed9ng truy\u1ec1n th\u1ed1ng. Nh\u1eadn th\u1ee9c n\u00e0y \u0111ang d\u1eabn ch\u00fang t\u00f4i \u0111\u1ebfn vi\u1ec7c kh\u00e1m ph\u00e1 xem m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e2n b\u1eb1ng c\u1ea7n ph\u1ea3i nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) \u01b0u ti\u00ean t\u00e1c \u0111\u1ed9ng, v\u00e0 x\u00e1c \u0111\u1ecbnh nh\u1eefng g\u00ec ch\u00fang t\u00f4i c\u1ea7n t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng trong m\u00f4i tr\u01b0\u1eddng l\u1ea1m ph\u00e1t n\u00e0y \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00e1c \u0111\u1ed9ng m\u00e0 kh\u00f4ng b\u1ecf l\u1ea1i c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p trong l\u1ecbch s\u1eed, m\u1ed9t l\u1ea7n n\u1eefa.<\/p>\r\n\r\n\r\n\r\n

          \r\n
        1. S\u1ef1 li\u00ean t\u1ee5c v\u1ec1 v\u1ed1n l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng thay \u0111\u1ed5i mang t\u00ednh h\u1ec7 th\u1ed1ng \u2013 nh\u01b0 kh\u1ee7ng ho\u1ea3ng kh\u00ed h\u1eadu \u2013 m\u00e0 kh\u00f4ng l\u00e0m gia t\u0103ng kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o.<\/strong><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

          T\u1ea1i cu\u1ed9c h\u1ecdp S\u00e1ng ki\u1ebfn To\u00e0n c\u1ea7u Clinton n\u0103m nay, PCV d\u1ef1 \u0111\u1ecbnh c\u00f4ng b\u1ed1 chi\u1ebfn l\u01b0\u1ee3c Vi\u1ec7c l\u00e0m T\u1ed1t v\u00e0 Xanh c\u0169ng nh\u01b0 Qu\u1ef9 Huy \u0111\u1ed9ng C\u00f4ng l\u00fd Kh\u00ed h\u1eadu d\u00e0nh cho c\u00e1c c\u00f4ng ty x\u00e2y d\u1ef1ng, t\u1ed5ng th\u1ea7u v\u00e0 k\u1ef9 thu\u1eadt do ng\u01b0\u1eddi da m\u00e0u l\u00e3nh \u0111\u1ea1o, nh\u01b0 m\u1ed9t s\u1ef1 m\u1edf r\u1ed9ng c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh hi\u1ec7n t\u1ea1i. cam k\u1ebft hi\u1ec7n c\u00f3<\/a> \u0110i\u1ec1u \u0111\u00f3 \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c th\u00e0nh l\u1eadp Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t. V\u1edbi vi\u1ec7c ch\u00ednh ph\u1ee7 li\u00ean bang chu\u1ea9n b\u1ecb th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u1ecbch s\u1eed \u0111\u1ec3 gi\u1ea3i quy\u1ebft kh\u1ee7ng ho\u1ea3ng kh\u00ed h\u1eadu th\u00f4ng qua \u0110\u1ea1o lu\u1eadt Gi\u1ea3m L\u1ea1m ph\u00e1t v\u00e0 Qu\u1ef9 Gi\u1ea3m Kh\u00ed th\u1ea3i Nh\u00e0 k\u00ednh, nh\u1eefng kho\u1ea3n ti\u1ec1n c\u00f3 thi\u1ec7n ch\u00ed n\u00e0y, d\u00f9 c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n c\u1ed9ng \u0111\u1ed3ng, r\u1ea5t c\u00f3 th\u1ec3 s\u1ebd l\u00e0m tr\u1ea7m tr\u1ecdng th\u00eam kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c. C\u00e1c c\u1ed9ng \u0111\u1ed3ng th\u01b0\u1eddng \u0111\u00e3 c\u00f3 ngu\u1ed3n l\u1ef1c t\u1ed1t h\u01a1n c\u00f3 xu h\u01b0\u1edbng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c d\u00f2ng v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn h\u01a1n, trong khi vi\u1ec7c thi\u1ebfu quy\u1ec1n s\u1edf h\u1eefu b\u1eaft ngu\u1ed3n t\u1eeb th\u1ef1c ti\u1ec5n ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed trong quy ho\u1ea1ch \u0111\u00f4 th\u1ecb (redlining) khi\u1ebfn c\u00e1c c\u1ed9ng \u0111\u1ed3ng thi\u1ec3u s\u1ed1 b\u1ecb t\u1ee5t h\u1eadu.<\/p>\r\n\r\n\r\n\r\n

          C\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch th\u01b0\u1eddng cho r\u1eb1ng c\u00e1c \u0111\u00f2n b\u1ea9y \u0111\u1ec3 tri\u1ec3n khai c\u00f4ng ngh\u1ec7 kh\u00ed h\u1eadu m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng l\u00e0 (1) kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 (2) s\u1ef1 s\u1eb5n s\u00e0ng c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y b\u1ecf s\u00f3t m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c d\u1ef1 \u00e1n n\u0103ng l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n trong c\u1ed9ng \u0111\u1ed3ng, b\u1edfi c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a c\u1ed9ng \u0111\u1ed3ng, d\u00e0nh cho c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a c\u1ed9ng \u0111\u1ed3ng \u2013 n\u01a1i m\u00e0 l\u1ee3i \u00edch kinh t\u1ebf c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ed9ng \u0111\u1ed3ng nh\u1eadn th\u1ea5y l\u00e2u d\u00e0i.<\/p>\r\n\r\n\r\n\r\n

          C\u00e1c doanh nghi\u1ec7p li\u00ean quan \u0111\u1ebfn x\u00e2y d\u1ef1ng ch\u1ee7 y\u1ebfu l\u00e0 doanh nghi\u1ec7p nh\u1ecf, v\u00ed d\u1ee5 nh\u01b0 c\u00f4ng ty 98% c\u00f3 \u00edt h\u01a1n 100 nh\u00e2n vi\u00ean. H\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 thi\u00ean v\u1ecb trong ng\u00e0nh khi ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 th\u1ea7u nh\u1ecf, vi\u1ec7c ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng r\u1ea5t kh\u00f3 kh\u0103n. D\u00f2ng ti\u1ec1n c\u00f3 t\u00ednh m\u00f9a v\u1ee5, t\u1ea1o ra r\u1ee7i ro cho vay. C\u00e1c d\u1ef1 \u00e1n li\u00ean quan \u0111\u1ebfn x\u00e2y d\u1ef1ng r\u1ea5t \u0111a d\u1ea1ng v\u1ec1 ph\u1ea1m vi, quy m\u00f4, th\u1eddi gian v\u00e0 nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c \u2013 t\u1ea5t c\u1ea3 \u0111\u1ec1u g\u00e2y kh\u00f3 kh\u0103n khi s\u1eed d\u1ee5ng c\u00e1c h\u01b0\u1edbng d\u1eabn th\u1ea9m \u0111\u1ecbnh truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf cho m\u1ed9t s\u1ea3n ph\u1ea9m cho vay ch\u1ee9 kh\u00f4ng ph\u1ea3i cho m\u1ed9t d\u1ef1 \u00e1n c\u1ee5 th\u1ec3.<\/p>\r\n\r\n\r\n\r\n

          Qu\u1ef9 Huy \u0111\u1ed9ng v\u00ec C\u00f4ng l\u00fd Kh\u00ed h\u1eadu c\u1ee7a PCV s\u1eb5n s\u00e0ng cung c\u1ea5p v\u1ed1n huy \u0111\u1ed9ng th\u1ef1c s\u1ef1 linh ho\u1ea1t, bao g\u1ed3m c\u00e1c k\u1ef3 h\u1ea1n ch\u1ec9 tr\u1ea3 l\u00e3i k\u00e9o d\u00e0i, thanh to\u00e1n g\u1ed1c tr\u00f9ng v\u1edbi th\u1eddi \u0111i\u1ec3m ho\u00e0n v\u1ed1n d\u1ef1 \u00e1n c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n thanh to\u00e1n cu\u1ed1i k\u1ef3 khi c\u1ea7n thi\u1ebft. Ch\u01b0\u01a1ng tr\u00ecnh T\u01b0 v\u1ea5n Kinh doanh c\u1ee7a ch\u00fang t\u00f4i c\u0169ng \u0111ang t\u00edch c\u1ef1c t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c<\/a> H\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng c\u1ee7a ch\u00fang t\u00f4i tr\u00ean h\u00e0nh tr\u00ecnh h\u01b0\u1edbng t\u1edbi s\u1ef1 tham gia \u0111\u1ea7y \u0111\u1ee7 v\u00e0o n\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu.<\/p>\r\n\r\n\r\n\r\n

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          1. V\u0103n h\u00f3a d\u1ef1a tr\u00ean d\u1eef li\u1ec7u b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c \u0111\u1eb7t nhu c\u1ea7u c\u1ee7a <\/strong>m\u1ecdi ng\u01b0\u1eddi<\/strong> \u0110i tr\u01b0\u1edbc c\u1ea3 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p v\u00e0 c\u00f4ng ngh\u1ec7.<\/strong><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

            Cu\u1ed1i c\u00f9ng, c\u00f4ng vi\u1ec7c c\u1ee7a Ph\u00f2ng th\u00ed nghi\u1ec7m s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i v\u00e0o... Hi\u1ec7n \u0111\u1ea1i h\u00f3a d\u1eef li\u1ec7u, v\u00e0 c\u00f3 l\u1ebd quan tr\u1ecdng h\u01a1n c\u1ea3 l\u00e0 qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u. <\/a>Ch\u00eca kh\u00f3a th\u00e0nh c\u00f4ng c\u1ee7a ch\u00fang t\u00f4i l\u00e0 vi\u1ec7c th\u00e0nh l\u1eadp m\u1ed9t nh\u00f3m l\u00e0m vi\u1ec7c d\u1eef li\u1ec7u \u0111a ch\u1ee9c n\u0103ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m thu th\u1eadp nhu c\u1ea7u ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u trong to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng c\u1ee7a ch\u00fang t\u00f4i. l\u00fd thuy\u1ebft thay \u0111\u1ed5i<\/a>. N\u0103m 2024, ch\u00fang t\u00f4i mong mu\u1ed1n chia s\u1ebb quy tr\u00ecnh v\u00e0 m\u1eabu qu\u1ea3n l\u00fd t\u00e1c \u0111\u1ed9ng v\u00e0 m\u1ee9c \u0111\u1ed9 ho\u00e0n thi\u1ec7n d\u1eef li\u1ec7u c\u1ee7a m\u00ecnh v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng kh\u00e1c \u0111\u1ec3 nh\u00e2n r\u1ed9ng t\u00e1c \u0111\u1ed9ng chung c\u1ee7a ch\u00fang ta \u0111\u1ed1i v\u1edbi c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p.<\/p>\r\n\r\n\r\n\r\n

            H\u00e3y tham gia m\u1ea1ng l\u01b0\u1edbi c\u1ee7a ch\u00fang t\u00f4i v\u00e0 c\u00f9ng k\u1ef7 ni\u1ec7m 25 n\u0103m th\u00e0nh l\u1eadp PCV!<\/strong><\/p>\r\n\r\n\r\n\r\n

            C\u00e1ch \u0111\u00e2y 25 n\u0103m, PCV \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t trong nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u0111\u1ea7u ti\u00ean c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, v\u00e0 ch\u00fang t\u00f4i \u0111ang c\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng vi\u1ec7c th\u00fa v\u1ecb ph\u00eda tr\u01b0\u1edbc. Khi t\u1ea7m \u1ea3nh h\u01b0\u1edfng c\u1ee7a ch\u00fang t\u00f4i ng\u00e0y c\u00e0ng l\u1edbn m\u1ea1nh, c\u1ed9ng \u0111\u1ed3ng c\u1ee7a ch\u00fang t\u00f4i c\u0169ng v\u1eady, v\u00e0 ch\u00fang t\u00f4i r\u1ea5t vui m\u1eebng \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c k\u1ebft n\u1ed1i, h\u1ee3p t\u00e1c v\u00e0 ph\u00e1t tri\u1ec3n c\u00f9ng nh\u1eefng ng\u01b0\u1eddi kh\u00e1c tr\u00ean h\u00e0nh tr\u00ecnh n\u00e0y. Ch\u00fang t\u00f4i m\u1eddi b\u1ea1n tham gia c\u00f9ng ch\u00fang t\u00f4i trong nh\u1eefng n\u1ed7 l\u1ef1c n\u00e0y v\u00e0 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n trong s\u1ee9 m\u1ec7nh c\u1ee7a ch\u00fang t\u00f4i khi ch\u00fang t\u00f4i k\u1ef7 ni\u1ec7m 25 n\u0103m T\u00c1C \u0110\u1ed8NG:<\/p>\r\n\r\n\r\n\r\n

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            1. Nh\u00e0 t\u00e0i tr\u1ee3 cho l\u1ec5 k\u1ef7 ni\u1ec7m 25 n\u0103m th\u00e0nh l\u1eadp c\u1ee7a PCV<\/a> H\u00e3y c\u00f9ng tham gia l\u1ec5 h\u1ed9i c\u1ed9ng \u0111\u1ed3ng c\u1ee7a ch\u00fang t\u00f4i v\u00e0o ng\u00e0y 11 th\u00e1ng 11 n\u0103m 2023 t\u1ea1i Oakland!!<\/li>\r\n\r\n\r\n\r\n
            2. \u0110\u1ea7u t\u01b0 v\u00e0o xe v\u1eadn t\u1ea3i h\u00e0nh kh\u00e1ch (PCV) Qu\u1ef9 v\u1ed1n ph\u1ee5c h\u1ed3i v\u00e0 c\u00e1c doanh nh\u00e2n<\/a>. <\/li>\r\n\r\n\r\n\r\n
            3. H\u00e3y d\u00e0nh th\u1eddi gian t\u00ecnh nguy\u1ec7n c\u1ee7a b\u1ea1n \u0111\u1ec3 C\u1ed1 v\u1ea5n doanh nghi\u1ec7p nh\u1ecf<\/a>.<\/li>\r\n\r\n\r\n\r\n
            4. H\u00e3y t\u00e0i tr\u1ee3 cho Ch\u01b0\u01a1ng tr\u00ecnh Nghi\u00ean c\u1ee9u Vi\u1ec7c l\u00e0m T\u1ed1t c\u1ee7a ch\u00fang t\u00f4i.<\/a><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

              Xin c\u1ea3m \u01a1n nh\u1eefng nh\u00e0 s\u00e1ng l\u1eadp v\u00e0 \u0111\u1ed1i t\u00e1c c\u1ee7a Good Jobs Innovation Lab \u0111\u00e3 gi\u00fap cho c\u00f4ng vi\u1ec7c c\u1ee7a ch\u00fang t\u00f4i tr\u1edf th\u00e0nh hi\u1ec7n th\u1ef1c:<\/p>\r\n\r\n\r\n\r\n