{"id":26816,"date":"2025-04-29T12:00:20","date_gmt":"2025-04-29T19:00:20","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=26816"},"modified":"2026-04-21T12:27:15","modified_gmt":"2026-04-21T19:27:15","slug":"dinh-hinh-lai-nen-kinh-te-khi-hau-co-hoi-nhu-the-nao-cac-to-chuc-tai-chinh-phat-trien-cong-dong-cdfi-co-the-dap-ung-thoi-diem-nay-ra-sao","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2025\/04\/29\/reshaping-climate-economy-opportunities-how-cdfis-can-meet-the-moment\/","title":{"rendered":"\u0110\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1c c\u01a1 h\u1ed9i kinh t\u1ebf kh\u00ed h\u1eadu: C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng th\u1eddi \u0111i\u1ec3m n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"

Qua<\/span>: Casey J. Bell, <\/span>Jesus Diaz<\/span>,<\/span> & Alejandro Carrillo <\/span>Teniente<\/span><\/span> <\/span><\/p>\n

M\u1ed9t n\u0103m tr\u01b0\u1edbc, Pacific Community Ventures \u0111\u00e3 kh\u1edfi \u0111\u1ed9ng d\u1ef1 \u00e1n c\u1ee7a ch\u00fang t\u00f4i. <\/span>Qu\u1ef9 huy \u0111\u1ed9ng kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu<\/span><\/span><\/a> V\u1edbi t\u1ea7m nh\u00ecn v\u1ec1 m\u1ed9t n\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu t\u1ea1o ra c\u01a1 h\u1ed9i, nu\u00f4i d\u01b0\u1ee1ng kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 \u0111\u1ec1 cao s\u1ef1 c\u00f4ng b\u1eb1ng th\u00f4ng qua qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i kinh t\u1ebf tr\u00ean to\u00e0n ti\u1ec3u bang California, n\u01a1i PCV \u0111\u1ea7u t\u01b0. Trong n\u0103m \u0111\u00f3, ch\u00fang t\u00f4i \u0111\u00e3 gi\u1ea3i ng\u00e2n 1.400 USD ti\u1ec1n vay t\u1eeb kho\u1ea3n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u 1.400 USD tr\u1ecb gi\u00e1 3 tri\u1ec7u USD m\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c, v\u1edbi 1.400 USD ti\u1ec1n vay ti\u1ec1m n\u0103ng \u0111ang trong giai \u0111o\u1ea1n tri\u1ec3n khai v\u00e0 ti\u1ebfp t\u1ee5c t\u0103ng l\u00ean, \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i. <\/span>kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf trong vi\u1ec7c gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed3ng th\u1eddi gi\u1ea3m l\u01b0\u1ee3ng kh\u00ed th\u1ea3i.<\/span><\/span><\/a>, v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c nh\u00e0 l\u1eafp \u0111\u1eb7t thi\u1ebft b\u1ecb v\u00e0 nh\u00e0 th\u1ea7u c\u00f3 c\u00e1c gi\u1ea3i ph\u00e1p v\u1ed1n l\u01b0u \u0111\u1ed9ng \u0111\u1ec3 tham gia v\u00e0o c\u00e1c d\u1ef1 \u00e1n c\u1ea3i thi\u1ec7n hi\u1ec7u su\u1ea5t t\u00f2a nh\u00e0 v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng.<\/span> <\/span><\/p>\n

Kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn r\u1eb1ng b\u1ed1i c\u1ea3nh huy \u0111\u1ed9ng v\u1ed1n cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 nh\u01b0 v\u1eady \u0111ang thay \u0111\u1ed5i. Tuy nhi\u00ean, ch\u00fang ta ph\u1ea3i nh\u1edb r\u1eb1ng: <\/span>L\u1eddi h\u1ee9a v\u1ec1 vi\u1ec7c t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t v\u00e0 c\u01a1 h\u1ed9i th\u0103ng ti\u1ebfn kinh t\u1ebf th\u00f4ng qua \u0111\u1ea7u t\u01b0 li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc c\u1ea3 l\u1eddi h\u1ee9a mang t\u00ednh ch\u1ea5t x\u00fac t\u00e1c c\u1ee7a Qu\u1ef9 Gi\u1ea3m thi\u1ec3u Kh\u00ed nh\u00e0 k\u00ednh.<\/span><\/b> M\u1eb7c d\u00f9 s\u1ed1 ph\u1eadn c\u1ee7a c\u00e1c kho\u1ea3n ti\u1ec1n li\u00ean bang v\u1eabn ch\u01b0a ch\u1eafc ch\u1eafn t\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y, ch\u00fang t\u00f4i v\u1eabn ki\u00ean \u0111\u1ecbnh trong vi\u1ec7c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng, vun \u0111\u1eafp c\u00e1c m\u1ed1i quan h\u1ec7 v\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p gi\u00fap c\u1ed9ng \u0111\u1ed3ng c\u1ee7a ch\u00fang ta kh\u1ecfe m\u1ea1nh h\u01a1n, an to\u00e0n h\u01a1n v\u00e0 c\u1ea1nh tranh h\u01a1n v\u1ec1 kinh t\u1ebf. <\/span> <\/span><\/p>\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng nh\u01b0 PCV ti\u1ebfp t\u1ee5c c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ed9c \u0111\u00e1o th\u00f4ng qua c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu \u0111\u1ec3 ch\u1ee9ng minh kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a ch\u00fang ta v\u00e0 cho th\u1ea5y nh\u1eefng g\u00ec c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c khi ch\u00fang ta \u0111\u1eb7t k\u1ebft qu\u1ea3 c\u1ed9ng \u0111\u1ed3ng th\u1ecbnh v\u01b0\u1ee3ng l\u00e0m tr\u1ecdng t\u00e2m trong vi\u1ec7c ph\u00e2n b\u1ed5 v\u1ed1n. M\u1ed9t v\u00e0i nguy\u00ean t\u1eafc ch\u00ednh c\u00f3 th\u1ec3 \u0111\u1ecbnh h\u01b0\u1edbng cho ch\u00fang ta:<\/span> <\/span><\/p>\n

1. D\u1eef li\u1ec7u l\u00e0 m\u1ed9t l\u0103ng k\u00ednh, kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t b\u1ea3ng \u0111i\u1ec1u khi\u1ec3n.<\/span><\/b> <\/span><\/p>\n

Trong n\u0103m \u0111\u1ea7u ti\u00ean ho\u1ea1t \u0111\u1ed9ng cho vay li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu, ch\u00fang t\u00f4i nh\u1eadn ra r\u1eb1ng vi\u1ec7c ch\u1ec9 xem d\u1eef li\u1ec7u nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ec3 \u0111o l\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng c\u00f3 th\u1ec3 t\u1ef1 gi\u1edbi h\u1ea1n b\u1ea3n th\u00e2n \u2013 trong khi ch\u00fang ta c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng n\u00f3 \u0111\u1ec3 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng. Khi ho\u00e0n thi\u1ec7n lu\u1eadn \u0111i\u1ec3m c\u1ee7a qu\u1ef9, ch\u00fang t\u00f4i b\u1eaft \u0111\u1ea7u \u0111\u1eb7t ra nh\u1eefng c\u00e2u h\u1ecfi quan tr\u1ecdng v\u1ec1 vi\u1ec7c g\u00e1nh n\u1eb7ng kh\u00ed h\u1eadu giao thoa v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf \u1edf \u0111\u00e2u, v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) v\u00e0 c\u00e1c trung t\u00e2m ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p nh\u1ecf c\u00f3 hi\u1ec7n di\u1ec7n hay kh\u00f4ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu.<\/span> <\/span><\/p>\n

Ngo\u00e0i vi\u1ec7c t\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf c\u1ee7a ch\u00fang t\u00f4i <\/span>quan h\u1ec7 \u0111\u1ed1i t\u00e1c hi\u1ec7n c\u00f3<\/a><\/span> T\u1ea1i khu v\u1ef1c V\u1ecbnh L\u1edbn v\u00e0 Los Angeles, ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t tri\u1ec3n t\u1ea7m nh\u00ecn h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai trong vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 nh\u1eb1m h\u1ed7 tr\u1ee3 c\u1ee7ng c\u1ed1 h\u1ec7 sinh th\u00e1i v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng tr\u00ean kh\u1eafp California, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u1edf v\u00f9ng B\u1edd bi\u1ec3n Trung t\u00e2m; c\u0169ng nh\u01b0 c\u00e1c c\u1ed9ng \u0111\u1ed3ng Riverside v\u00e0 Imperial Valley. Ch\u00fang t\u00f4i bi\u1ebft t\u1eeb c\u00e1c k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n kinh t\u1ebf khu v\u1ef1c tr\u00ean to\u00e0n ti\u1ec3u bang r\u1eb1ng c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ec3 Qu\u1ef9 c\u1ee7a ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 c\u00f4ng ngh\u1ec7 n\u00f4ng nghi\u1ec7p t\u00e1i t\u1ea1o trong ph\u00e1t tri\u1ec3n chu\u1ed7i cung \u1ee9ng. Ch\u00fang t\u00f4i mong mu\u1ed1n \u0111\u01b0\u1ee3c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c m\u1edbi c\u1ee7a m\u00ecnh, <\/span>Hi\u1ec7p h\u1ed9i \u0110\u1ed1i t\u00e1c Kinh t\u1ebf V\u1ecbnh Monterey (MBEP)<\/a><\/span>, Ch\u00fang t\u00f4i \u0111ang n\u1ed7 l\u1ef1c thi\u1ebft l\u1eadp n\u1ec1n t\u1ea3ng t\u1ea1i c\u00e1c qu\u1eadn Monterey, San Benito v\u00e0 Santa Cruz \u0111\u1ec3 theo \u0111u\u1ed5i m\u1ee5c ti\u00eau \u0111\u1ed5i m\u1edbi kinh t\u1ebf v\u00e0 n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh. T\u1ea1i Riverside v\u00e0 Imperial Valley, ch\u00fang t\u00f4i \u0111ang h\u1ed7 tr\u1ee3 c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t v\u00e0 nh\u00e0 th\u1ea7u, nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y m\u1ed9t ph\u1ea7n b\u1edfi s\u1ef1 b\u00f9ng n\u1ed5 kinh t\u1ebf c\u1ee7a Thung l\u0169ng Lithium.<\/span> <\/span><\/p>\n

M\u1eb7c d\u00f9 c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 c\u00f4ng ngh\u1ec7 n\u00f4ng nghi\u1ec7p v\u00e0 khai th\u00e1c lithium c\u00f3 nh\u1eefng \u0111\u00e1nh \u0111\u1ed5i v\u1ec1 m\u00f4i tr\u01b0\u1eddng, ch\u00fang t\u00f4i cam k\u1ebft \u0111\u1ea3m b\u1ea3o r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf \u2014c\u1ea3 tr\u1ef1c ti\u1ebfp v\u00e0 gi\u00e1n ti\u1ebfp\u2014 t\u1ea1o ra l\u1ee3i \u00edch b\u1ec1n v\u1eefng cho c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng, v\u00e0 ch\u00fang t\u00f4i th\u00fac \u0111\u1ea9y \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u00e0 t\u00ednh b\u1ec1n v\u1eefng l\u00e2u d\u00e0i. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 t\u00e0i tr\u1ee3 cho c\u00e1c doanh nghi\u1ec7p v\u00e0 \u0111\u1ed1i t\u00e1c \u0111ang n\u1ed7 l\u1ef1c xanh h\u00f3a c\u00e1c chu\u1ed7i gi\u00e1 tr\u1ecb n\u00e0y, gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng v\u00e0 x\u00e2y d\u1ef1ng t\u01b0\u01a1ng lai to\u00e0n di\u1ec7n, \u00edt carbon t\u1eeb g\u1ed1c r\u1ec5, \u0111\u1ed3ng th\u1eddi x\u00e2y d\u1ef1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng.<\/span> <\/span><\/p>\n

2. \u201cTh\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p th\u00e2n thi\u1ec7n v\u1edbi m\u00f4i tr\u01b0\u1eddng\u201d l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ec3 \u201ch\u01b0\u1edbng \u0111\u1ebfn m\u1ed9t cu\u1ed9c s\u1ed1ng xanh\u201d.\u201d<\/span><\/b> <\/span><\/p>\n

Khi thi\u1ebft k\u1ebf Qu\u1ef9 Huy \u0111\u1ed9ng Kh\u1ea3 n\u0103ng Ch\u1ed1ng ch\u1ecbu Bi\u1ebfn \u0111\u1ed5i Kh\u00ed h\u1eadu, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u1ed9ng \u0111\u1ed3ng c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ecba ph\u01b0\u01a1ng v\u1eefng m\u1ea1nh m\u00e0 ch\u00fang t\u00f4i h\u1ee3p t\u00e1c ph\u1ea3i \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi c\u01a1 h\u1ed9i kinh t\u1ebf do c\u00e1c d\u1ef1 \u00e1n kh\u00ed h\u1eadu t\u1ea1o ra. Tr\u00ean nhi\u1ec1u ph\u01b0\u01a1ng di\u1ec7n, ch\u00fang t\u00f4i \u0111ang n\u1ed7 l\u1ef1c l\u1ea5p \u0111\u1ea7y \u201ckho\u1ea3ng tr\u1ed1ng tr\u01b0\u1edbc khi ph\u00e1t tri\u1ec3n\u201d v\u1ed1n t\u1ed3n t\u1ea1i trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 kh\u00ed h\u1eadu tr\u01b0\u1edbc \u0111\u00e2y. C\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 v\u1ec1 d\u00f2ng ti\u1ec1n, bao g\u1ed3m COVID-19, l\u1ea1m ph\u00e1t, gi\u00e1n \u0111o\u1ea1n chu\u1ed7i cung \u1ee9ng v\u00e0 thu\u1ebf quan, d\u1eabn \u0111\u1ebfn vi\u1ec7c thi\u1ebfu h\u1ee5t d\u00f2ng ti\u1ec1n v\u00e0 lo\u1ea1i tr\u1eeb h\u1ecd kh\u1ecfi c\u00e1c c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng quy m\u00f4 l\u1edbn th\u01b0\u1eddng \u01b0u ti\u00ean c\u00e1c c\u00f4ng ty l\u1edbn \u0111\u00e3 th\u00e0nh l\u1eadp h\u01a1n so v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 c\u00e1c doanh nghi\u1ec7p m\u1edbi tham gia th\u1ecb tr\u01b0\u1eddng.<\/span> <\/span><\/p>\n

Kh\u00e1ch h\u00e0ng PCV <\/span>T\u1eadp \u0111o\u00e0n t\u0103ng tr\u01b0\u1edfng m\u1edbi th\u00e0nh l\u1eadp<\/a><\/span> Pierre Middleton-Baez \u0111\u00e3 \u0111\u1ebfn v\u1edbi PCV th\u00f4ng qua \u0111\u1ed1i t\u00e1c c\u1ee7a ch\u00fang t\u00f4i, Merriweather & Williams Insurance Services, \u0111\u1ec3 vay v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng ($50,000) nh\u1eb1m ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n l\u1ee3p m\u00e1i b\u1ec1n v\u1eefng cho T\u1eadp \u0111o\u00e0n Ph\u00e1t tri\u1ec3n Nh\u00e0 \u1edf San Francisco. M\u1ed9t m\u00e1i nh\u00e0 c\u00e1ch nhi\u1ec7t t\u1ed1t c\u00f3 th\u1ec3 gi\u1ea3m ph\u00e1t th\u1ea3i kh\u00ed nh\u00e0 k\u00ednh b\u1eb1ng c\u00e1ch gi\u1ea3m m\u1ee9c ti\u00eau th\u1ee5 n\u0103ng l\u01b0\u1ee3ng c\u1ee7a t\u00f2a nh\u00e0 cho vi\u1ec7c s\u01b0\u1edfi \u1ea5m v\u00e0 l\u00e0m m\u00e1t. N\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n vay t\u1eeb PCV, Pierre Middleton-Baez s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c th\u1ef1c hi\u1ec7n l\u1eddi h\u1ee9a \u201cVi\u1ec7c l\u00e0m t\u1ed1t\u201d v\u00ec ngu\u1ed3n v\u1ed1n r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec ti\u1ec1n l\u01b0\u01a1ng v\u00e0 ho\u1ea1t \u0111\u1ed9ng cho \u0111\u1ebfn khi d\u1ef1 \u00e1n ho\u00e0n th\u00e0nh. C\u00e1c l\u1ef1a ch\u1ecdn t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng kh\u00f4ng kh\u1ea3 d\u1ee5ng ho\u1eb7c qu\u00e1 c\u1ee9ng nh\u1eafc, kh\u00f4ng t\u1ed1t cho doanh nghi\u1ec7p, nh\u01b0ng sau khi vay v\u1ed1n, Pierre c\u0169ng \u0111\u00e3 \u0111\u1ea3m b\u1ea3o th\u00eam c\u00e1c d\u1ef1 \u00e1n kh\u00e1c v\u00e0 k\u1ec3 t\u1eeb \u0111\u00f3 \u0111\u00e3 c\u00f3 th\u1ec3 nh\u1eadn th\u00eam kho\u1ea3n vay v\u1ed1n l\u01b0u \u0111\u1ed9ng l\u00e3i su\u1ea5t th\u1ea5p $200,000 t\u1eeb PCV \u0111\u1ec3 t\u00e0i tr\u1ee3 cho v\u1eadt li\u1ec7u v\u00e0 thi\u1ebft b\u1ecb c\u1ee7a d\u1ef1 \u00e1n l\u1ee3p m\u00e1i! <\/span> <\/span><\/p>\n

3. \u0110\u1ea7u t\u01b0 v\u00e0o \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o thu h\u00fat v\u1ed1n \u0111\u1ea7u t\u01b0 mang t\u00ednh ch\u1ea5t x\u00fac t\u00e1c<\/span><\/b> <\/span><\/p>\n

Kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn r\u1eb1ng kho\u1ea3n t\u00e0i tr\u1ee3 li\u00ean bang 1 t\u1ef7 4.300 USD th\u00f4ng qua Qu\u1ef9 Gi\u1ea3m thi\u1ec3u Kh\u00ed th\u1ea3i Nh\u00e0 k\u00ednh s\u1ebd t\u1ea1o ra t\u00e1c \u0111\u1ed9ng to l\u1edbn. Tuy nhi\u00ean, \u0111\u1ed9i ng\u0169 c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i Pacific Community Ventures kh\u00f4ng thi\u1ebfu tr\u00ed t\u01b0\u1edfng t\u01b0\u1ee3ng khi n\u00f3i \u0111\u1ebfn vi\u1ec7c khai th\u00e1c c\u00e1c ngu\u1ed3n v\u1ed1n phi truy\u1ec1n th\u1ed1ng v\u00e0 thi\u1ebft k\u1ebf \u0111\u1ec3 t\u1ea1o ra t\u00e1c \u0111\u1ed9ng. Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i d\u1ef1a tr\u00ean t\u00e1c \u0111\u1ed9ng t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng ti\u00ean phong c\u1ee7a ch\u00fang t\u00f4i \u1edf Oakland ra \u0111\u1eddi t\u1eeb c\u00e1c nguy\u00ean t\u1eafc thi\u1ebft k\u1ebf l\u1ea5y con ng\u01b0\u1eddi l\u00e0m trung t\u00e2m v\u00e0 d\u00e2n ch\u1ee7 h\u00f3a vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 qu\u1ea3n tr\u1ecb b\u1eb1ng c\u00e1ch c\u00f9ng t\u1ea1o ra qu\u1ef9 v\u1edbi m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng. T\u01b0\u01a1ng t\u1ef1, Qu\u1ef9 n\u00e0y ra \u0111\u1eddi t\u1eeb vi\u1ec7c l\u1eafng nghe c\u1ed9ng \u0111\u1ed3ng, c\u00e1c \u0111\u1ed1i t\u00e1c v\u00e0 nh\u00e0 th\u1ea7u tr\u00ean to\u00e0n ti\u1ec3u bang v\u1ec1 nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a h\u1ecd trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n l\u01b0u \u0111\u1ed9ng \u0111\u1ec3 tham gia v\u00e0o c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ea5u th\u1ea7u v\u00e0 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. V\u1edbi ph\u1ea3n h\u1ed3i v\u00e0 s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a h\u1ecd, nh\u00f3m c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 thi\u1ebft k\u1ebf qu\u1ef9 x\u00fac t\u00e1c n\u00e0y \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u tr\u01b0\u1edbc khi ph\u00e1t tri\u1ec3n v\u00e0 gi\u1ea3i quy\u1ebft m\u1ed9t \u0111i\u1ec3m kh\u00f3 kh\u0103n th\u1ef1c s\u1ef1 v\u1ec1 v\u1ed1n cho h\u1ecd. 1 t\u1ef7 3.300 USD trong qu\u1ef9 c\u1ee7a ch\u00fang t\u00f4i hi\u1ec7n l\u00e0 \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n, v\u00e0 ch\u00fang t\u00f4i cam k\u1ebft k\u1ec3 nh\u1eefng c\u00e2u chuy\u1ec7n ch\u1ee9ng minh s\u1ef1 s\u1eb5n s\u00e0ng \u0111\u1ea7u t\u01b0 to l\u1edbn c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u1eefng ng\u01b0\u1eddi th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i ti\u1ebfp c\u1eadn c\u00e1c k\u00eanh t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng h\u1ed7 tr\u1ee3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng v\u00e0 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd.<\/span> <\/span><\/p>\n

Ch\u00fang t\u00f4i v\u00f4 c\u00f9ng bi\u1ebft \u01a1n c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng t\u01b0 nh\u00e2n \u0111\u00e3 xem Qu\u1ef9 n\u00e0y nh\u01b0 m\u1ed9t b\u01b0\u1edbc ph\u00e1t tri\u1ec3n t\u1ef1 nhi\u00ean c\u1ee7a h\u00e0nh tr\u00ecnh \u0111\u1ea7u t\u01b0 t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t m\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 tr\u00ecnh b\u00e0y trong Lu\u1eadn \u0111i\u1ec3m c\u1ee7a Qu\u1ef9, v\u00e0 v\u00ec \u0111\u00e3 cam k\u1ebft h\u01b0\u1edbng t\u1edbi m\u1ed9t t\u1ea7m nh\u00ecn v\u1ec1 m\u1ed9t x\u00e3 h\u1ed9i th\u1ecbnh v\u01b0\u1ee3ng. <\/span>N\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu California<\/a><\/span> \u0110i\u1ec1u \u0111\u00f3 gi\u00fap ti\u1ec3u bang c\u1ee7a ch\u00fang ta ki\u00ean c\u01b0\u1eddng h\u01a1n, tin t\u01b0\u1edfng v\u00e0o ti\u1ec1m n\u0103ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai v\u00e0 t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t v\u00e0 th\u00e2n thi\u1ec7n v\u1edbi m\u00f4i tr\u01b0\u1eddng.<\/span> <\/span><\/p>\n

4. Ch\u00fang t\u00f4i ki\u00ean nh\u1eabn v\u1edbi v\u1ed1n c\u1ee7a m\u00ecnh.<\/span><\/b> <\/span><\/p>\n

V\u1ea5n \u0111\u1ec1 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u1eabn v\u00f4 c\u00f9ng c\u1ea5p b\u00e1ch, v\u00e0 trong m\u00f4i tr\u01b0\u1eddng kinh doanh hi\u1ec7n nay, kh\u00e1i ni\u1ec7m v\u1ed1n l\u01b0u \u0111\u1ed9ng ki\u00ean nh\u1eabn ch\u01b0a bao gi\u1edd quan tr\u1ecdng h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang chuy\u1ec3n \u0111\u1ed5i sang n\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu ho\u1eb7c xanh h\u00f3a ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh. Nh\u1eefng ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf n\u00e0y kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n n\u1eafm b\u1eaft c\u00e1c c\u01a1 h\u1ed9i th\u01b0\u01a1ng m\u1ea1i, m\u00e0 c\u00f2n \u0111ang x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng cho t\u01b0\u01a1ng lai kinh t\u1ebf v\u00e0 t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t trong c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng. <\/span> 
\n 
\nT\u1ea1i PCV, ch\u00fang t\u00f4i hi\u1ec3u r\u1eb1ng s\u1ef1 chuy\u1ec3n \u0111\u1ed5i kinh t\u1ebf b\u1ec1n v\u1eefng kh\u00f4ng th\u1ec3 di\u1ec5n ra trong m\u1ed9t s\u1edbm m\u1ed9t chi\u1ec1u. Ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p ti\u00ean phong trong c\u00e1c gi\u1ea3i ph\u00e1p li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu b\u1edfi v\u00ec h\u1ecd tr\u1ea3i qua chu k\u1ef3 ph\u00e1t tri\u1ec3n v\u00e0 th\u01b0\u01a1ng m\u1ea1i h\u00f3a k\u00e9o d\u00e0i, c\u00e1c r\u00e0o c\u1ea3n ph\u00e1p l\u00fd v\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c trong vi\u1ec7c gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng. V\u00e0 b\u00ean c\u1ea1nh ngu\u1ed3n v\u1ed1n d\u00e0i h\u1ea1n, ch\u00fang t\u00f4i c\u0169ng cung c\u1ea5p h\u1ed7 tr\u1ee3 c\u1ed1 v\u1ea5n mi\u1ec5n ph\u00ed ch\u1ea5t l\u01b0\u1ee3ng cao \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf v\u1ec1 mua s\u1eafm, nh\u00e2n s\u1ef1, v\u1eadn h\u00e0nh, chi\u1ebfn l\u01b0\u1ee3c, ti\u1ebfp th\u1ecb v\u00e0 c\u00e1c k\u1ef9 n\u0103ng kh\u00e1c nh\u1eb1m \u0111\u1ea3m b\u1ea3o s\u1ef1 th\u00e0nh c\u00f4ng v\u00e0 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i trong t\u0103ng tr\u01b0\u1edfng c\u1ee7a h\u1ecd. <\/span> <\/span><\/p>\n

C\u00e1c ch\u00ednh s\u00e1ch mang t\u00ednh \u0111\u1ed9t ph\u00e1 nh\u01b0 Qu\u1ef9 Gi\u1ea3m Ph\u00e1t th\u1ea3i Kh\u00ed nh\u00e0 k\u00ednh c\u00f3 ti\u1ec1m n\u0103ng t\u1ea1o ra t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd, nh\u01b0ng ch\u00fang t\u00f4i kh\u00f4ng ch\u1edd \u0111\u1ee3i ch\u00fang t\u1ea1o ra s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3, v\u00e0 ch\u00fang t\u00f4i hi\u1ec3u r\u1eb1ng ch\u00fang s\u1ebd kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c kho\u1ea3ng tr\u1ed1ng v\u1ec1 kinh nghi\u1ec7m tr\u01b0\u1edbc khi ph\u00e1t tri\u1ec3n m\u00e0 ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y \u1edf qu\u00e1 nhi\u1ec1u kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf c\u1ee7a m\u00ecnh. Thay v\u00e0o \u0111\u00f3, ch\u00fang t\u00f4i \u0111ang \u0111\u1ea7u t\u01b0 ngay b\u00e2y gi\u1edd v\u00e0o nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u1ea7m nh\u00ecn trong c\u1ed9ng \u0111\u1ed3ng, nh\u1eefng ng\u01b0\u1eddi s\u1ebd \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai v\u1ec1 kh\u00ed h\u1eadu, n\u0103ng l\u01b0\u1ee3ng v\u00e0 n\u00f4ng nghi\u1ec7p c\u1ee7a ch\u00fang ta. <\/span> <\/span><\/p>\n

Ch\u00fang t\u00f4i cam k\u1ebft h\u1ee3p t\u00e1c l\u00e2u d\u00e0i. H\u00e3y li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i. info@pcvmail.org<\/a><\/span>,<\/a><\/span> H\u00e3y t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1ch b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 ho\u1eb7c t\u00ecnh nguy\u1ec7n l\u00e0m c\u1ed1 v\u1ea5n cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111\u1ec3 h\u1ed7 tr\u1ee3 Qu\u1ef9 Huy \u0111\u1ed9ng Kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i kh\u00ed h\u1eadu c\u1ee7a PCV v\u00e0 c\u00e1c doanh nh\u00e2n m\u00e0 ch\u00fang t\u00f4i \u0111ang gi\u00fap ti\u1ebfp c\u1eadn n\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu!<\/span> 
\n <\/span><\/p>","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft b\u1edfi: Casey J. Bell, Jesus Diaz & Alejandro Carrillo Teniente M\u1ed9t n\u0103m tr\u01b0\u1edbc, Pacific Community Ventures \u0111\u00e3 ra m\u1eaft Qu\u1ef9 Huy \u0111\u1ed9ng Kh\u1ea3 n\u0103ng Ch\u1ed1ng ch\u1ecbu Bi\u1ebfn \u0111\u1ed5i Kh\u00ed h\u1eadu v\u1edbi t\u1ea7m nh\u00ecn v\u1ec1 m\u1ed9t n\u1ec1n kinh t\u1ebf kh\u00ed h\u1eadu t\u1ea1o ra c\u01a1 h\u1ed9i, nu\u00f4i d\u01b0\u1ee1ng kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 coi tr\u1ecdng s\u1ef1 c\u00f4ng b\u1eb1ng th\u00f4ng qua qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i kinh t\u1ebf tr\u00ean to\u00e0n ti\u1ec3u bang California, n\u01a1i PCV \u0111\u1ea7u t\u01b0. Trong n\u0103m \u0111\u00f3, ch\u00fang t\u00f4i \u0111\u00e3 tri\u1ec3n khai $1.75\u2026<\/p>","protected":false},"author":61,"featured_media":26822,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,34,35],"tags":[],"class_list":["post-26816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publications","category-climate","category-pcv-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/26816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/users\/61"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/comments?post=26816"}],"version-history":[{"count":0,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/26816\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/26822"}],"wp:attachment":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=26816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=26816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=26816"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}