{"id":21161,"date":"2024-09-30T14:22:36","date_gmt":"2024-09-30T19:22:36","guid":{"rendered":"https:\/\/bolttech.io\/insights\/mot-cuoc-suy-thoai-dang-denlam-the-nao-cac-cong-ty-bao-hiem-co-the-chuan-bi-cho-mot-cuoc-suy-thoai\/"},"modified":"2024-10-29T09:12:03","modified_gmt":"2024-10-29T14:12:03","slug":"mot-cuoc-suy-thoai-dang-denlam-the-nao-cac-cong-ty-bao-hiem-co-the-chuan-bi-cho-mot-cuoc-suy-thoai","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/mot-cuoc-suy-thoai-dang-denlam-the-nao-cac-cong-ty-bao-hiem-co-the-chuan-bi-cho-mot-cuoc-suy-thoai\/","title":{"rendered":"M\u1ed9t cu\u1ed9c suy tho\u00e1i \u0111ang \u0111\u1ebfn?\nL\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb cho m\u1ed9t cu\u1ed9c suy tho\u00e1i"},"content":{"rendered":"\n

Sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf to\u00e0n c\u1ea7u n\u0103m 2009, n\u1ec1n kinh t\u1ebf M\u1ef9 \u0111\u00e3 v\u01b0\u01a1n l\u00ean m\u1ea1nh m\u1ebd tr\u1edf l\u1ea1i.\nTuy nhi\u00ean, m\u1ed9t s\u1ed1 ch\u1ec9 s\u1ed1 kinh t\u1ebf nh\u1ea5t \u0111\u1ecbnh – c\u1ea3 \u1edf M\u1ef9 v\u00e0 n\u01b0\u1edbc ngo\u00e0i – ch\u1ec9 ra r\u1eb1ng th\u1eddi k\u1ef3 th\u1ecbnh v\u01b0\u1ee3ng c\u00f3 th\u1ec3 s\u1eafp k\u1ebft th\u00fac. <\/p>\n\n

“S\u1ef1 k\u1ebft th\u00fac \u0111\u00e3 g\u1ea7n k\u1ec1 v\u1edbi s\u1ef1 b\u00f9ng n\u1ed5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf to\u00e0n c\u1ea7u k\u00e9o d\u00e0i g\u1ea7n m\u1ed9t th\u1eadp k\u1ef7. Tri\u1ec3n v\u1ecdng c\u1ee7a M\u1ef9 \u0111\u00e3 gi\u1ea3m, v\u00e0 h\u01a1n n\u1eefa tri\u1ec3n v\u1ecdng th\u1eadm ch\u00ed c\u00f2n t\u1ed3i t\u1ec7 h\u01a1n \u1edf nhi\u1ec1u n\u01a1i kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi”, John Graham<\/a>, gi\u00e1o s\u01b0 t\u00e0i ch\u00ednh t\u1ea1i \u0110\u1ea1i h\u1ecdc Duke cho bi\u1ebft.<\/p>\n\n

Suy tho\u00e1i kinh t\u1ebf c\u00f3 ngh\u0129a l\u00e0 chi ti\u00eau \u00edt h\u01a1n, nh\u01b0ng ch\u00fang kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 \u00edt r\u1ee7i ro t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong h\u01a1n.\nK\u1ebft qu\u1ea3 l\u00e0, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 gi\u1ea3i quy\u1ebft suy tho\u00e1i kinh t\u1ebf s\u1eafp t\u1edbi th\u1ea5y m\u00ecnh \u1edf m\u1ed9t v\u1ecb tr\u00ed m\u1ea1nh m\u1ebd h\u01a1n \u0111\u1ec3 v\u01b0\u1ee3t qua suy tho\u00e1i ho\u1eb7c suy tho\u00e1i.\n\u0110\u00e2y l\u00e0 c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb cho m\u1ed9t cu\u1ed9c suy tho\u00e1i. <\/p>\n\n

Tri\u1ec3n v\u1ecdng kinh t\u1ebf n\u0103m 2020<\/h2>\n\n

Trong m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t g\u1ea7n \u0111\u00e2y c\u1ee7a Bloomberg, h\u1ea7u h\u1ebft c\u00e1c nh\u00e0 kinh t\u1ebf \u0111\u1ec1u \u0111\u1ed3ng \u00fd r\u1eb1ng kh\u1ea3 n\u0103ng suy tho\u00e1i l\u00e0 r\u1ea5t cao.\n“Tr\u00ean th\u1ef1c t\u1ebf, h\u01a1n ba ph\u1ea7n t\u01b0 gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty mong \u0111\u1ee3i m\u1ed9t gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh v\u00e0o cu\u1ed1i n\u0103m 2020”, Scott Lanman v\u00e0 Katia Dmitrieva<\/a> t\u1ea1i Bloomberg cho bi\u1ebft. <\/p>\n\n

Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 nh\u00e0 kinh t\u1ebf \u0111ang xem x\u00e9t t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p, v\u1ed1n l\u00e0 m\u1ed9t ch\u1ec9 b\u00e1o \u0111\u00e1ng tin c\u1eady v\u1ec1 m\u1ed9t cu\u1ed9c suy tho\u00e1i s\u1eafp t\u1edbi k\u1ec3 t\u1eeb n\u0103m 1948, Joseph LaVorgna<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a Natixis cho bi\u1ebft th\u00eam. LaVorgna n\u00f3i r\u1eb1ng n\u1ec1n kinh t\u1ebf M\u1ef9 \u0111\u00e3 b\u01b0\u1edbc v\u00e0o suy tho\u00e1i b\u1ea5t c\u1ee9 khi n\u00e0o t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p t\u0103ng 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 0,50 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, so v\u1edbi m\u1ee9c th\u1ea5p theo chu k\u1ef3.<\/p>\n\n

Trong khi t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p hi\u1ec7n ch\u1ec9 cao h\u01a1n 30 \u0111i\u1ec3m c\u01a1 b\u1ea3n so v\u1edbi m\u1ee9c th\u1ea5p, n\u00f3 \u0111\u00e3 t\u0103ng 4% trong th\u00e1ng 1 t\u1eeb m\u1ee9c th\u1ea5p 3,7% trong th\u00e1ng 11.\nM\u1ee9c t\u0103ng l\u00ean ch\u1ec9 4,2% c\u00f3 th\u1ec3 cho th\u1ea5y s\u1ef1 kh\u1edfi \u0111\u1ea7u c\u1ee7a m\u1ed9t cu\u1ed9c suy tho\u00e1i kh\u00e1c. <\/p>\n\n

Nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf tin r\u1eb1ng c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p l\u00e0 kh\u00f4n ngoan khi d\u1ef1 \u0111o\u00e1n m\u1ed9t cu\u1ed9c suy tho\u00e1i.\n“T\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh ph\u1ea7n \u0111\u00e3 s\u1eb5n s\u00e0ng: s\u1ef1 m\u1edf r\u1ed9ng suy y\u1ebfu b\u1eaft \u0111\u1ea7u v\u00e0o th\u00e1ng 6 n\u0103m 2009 – g\u1ea7n m\u1ed9t th\u1eadp k\u1ef7 tr\u01b0\u1edbc – l\u00e0m t\u0103ng bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng, t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u1ee7 ngh\u0129a b\u1ea3o h\u1ed9 gi\u1ea3m t\u0103ng tr\u01b0\u1edfng v\u00e0 s\u1ef1 ph\u1eb3ng \u0111\u00e1ng ng\u1ea1i c\u1ee7a \u0111\u01b0\u1eddng cong l\u1ee3i su\u1ea5t \u0111\u00e3 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c suy tho\u00e1i trong 50 n\u0103m qua”, Campbell Harvey<\/a>[subscription required], gi\u00e1o s\u01b0 kinh doanh t\u1ea1i \u0110\u1ea1i h\u1ecdc Duke n\u00f3i. <\/p>\n\n

Nghi\u00ean c\u1ee9u v\u1ec1 th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 chuy\u00ean gia n\u00f3i v\u1ec1 suy tho\u00e1i.\nV\u00e0o th\u00e1ng 1 n\u0103m 2019, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh BuildFax Holly Tachovsky<\/a> \u0111\u00e3 ghi nh\u1eadn s\u1ef1 s\u1ee5t gi\u1ea3m trong \u1ee7y quy\u1ec1n nh\u00e0 \u1edf cho m\u1ed9t gia \u0111\u00ecnh, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 theo d\u00f5i s\u1ef1 suy gi\u1ea3m kinh t\u1ebf. <\/p>\n\n

“M\u1eb7c d\u00f9 \u0111\u00e2y ch\u1ec9 l\u00e0 th\u00e1ng th\u1ee9 hai li\u00ean ti\u1ebfp c\u00e1c ch\u1ec9 s\u1ed1 gi\u1ea3m, nh\u01b0ng s\u1ef1 thay \u0111\u1ed5i n\u00e0y tr\u00e1i ng\u01b0\u1ee3c ho\u00e0n to\u00e0n v\u1edbi th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf n\u00f3ng b\u1ecfng m\u00e0 M\u1ef9 \u0111\u00e3 tr\u1ea3i qua k\u1ec3 t\u1eeb n\u0103m 2013”, Tachovsky n\u00f3i.<\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c chuy\u00ean gia \u0111\u1ec1u \u0111\u1ed3ng \u00fd r\u1eb1ng m\u1ed9t cu\u1ed9c suy tho\u00e1i \u0111ang \u0111\u1ebfn.\nV\u00ed d\u1ee5, Anthony Chan<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng t\u1ea1i JPMorgan Chase, \u0111\u00e3 d\u1ef1 \u0111o\u00e1n t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf 2% cho n\u0103m 2019, d\u1ef1a tr\u00ean ki\u1ec3m tra c\u1ee7a ch\u00ednh \u00f4ng v\u1ec1 n\u1ee3 nh\u00e0 \u1edf v\u00e0 t\u0103ng tr\u01b0\u1edfng nh\u00e0 \u1edf.\nTrong khi Chan n\u00f3i r\u1eb1ng n\u1ec1n kinh t\u1ebf c\u00f3 th\u1ec3 ch\u1eadm l\u1ea1i trong v\u00e0i n\u0103m t\u1edbi, \u00f4ng \u0111\u1eb7t t\u1ef7 l\u1ec7 suy tho\u00e1i v\u00e0o n\u0103m 2019 ho\u1eb7c 2020 v\u00e0o kho\u1ea3ng 15%. <\/p>\n\n

\"Hai<\/figure>\n\n

Nh\u1eefng g\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n xem x\u00e9t<\/h2>\n\n

Trong s\u1ed1 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, lo ng\u1ea1i v\u1ec1 m\u1ed9t cu\u1ed9c suy tho\u00e1i s\u1eafp t\u1edbi l\u00e0 r\u1ea5t cao.\nTrong cu\u1ed9c kh\u1ea3o s\u00e1t b\u1ea3o hi\u1ec3m g\u1ea7n \u0111\u00e2y nh\u1ea5t c\u1ee7a Goldman Sachs Asset Management, 41% c\u00f4ng ty b\u1ea3o hi\u1ec3m cho bi\u1ebft h\u1ecd tin r\u1eb1ng suy tho\u00e1i s\u1ebd x\u1ea3y ra v\u00e0o n\u0103m 2020 ho\u1eb7c n\u0103m 2021, James Comtois<\/a> t\u1ea1i Pensions &; Investments b\u00e1o c\u00e1o.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng d\u1ef1 b\u00e1o \u00edt c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 h\u01a1n trong nh\u1eefng n\u0103m t\u1edbi. <\/p>\n\n

“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ef1 \u0111o\u00e1n m\u1ed9t cu\u1ed9c suy tho\u00e1i c\u1ee7a M\u1ef9 \u0111ang \u0111\u1ebfn, ch\u1ec9 l\u00e0 kh\u00f4ng ph\u1ea3i trong n\u0103m nay. K\u1ebft qu\u1ea3 l\u00e0, h\u1ecd \u0111ang ti\u1ebfp t\u1ee5c cam k\u1ebft v\u1ed1n nh\u01b0ng ch\u1ecdn l\u1ecdc h\u01a1n trong nh\u1eefng r\u1ee7i ro m\u00e0 h\u1ecd \u0111ang ch\u1ea5p nh\u1eadn”, Michael Siegel<\/a> t\u1ea1i Goldman Sachs gi\u1ea3i th\u00edch.<\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu, nh\u1eefng lo ng\u1ea1i v\u1ec1 l\u00e3i su\u1ea5t t\u0103ng ho\u1eb7c c\u00e1c c\u00f4ng ty v\u1ee1 n\u1ee3 c\u00f3 xu h\u01b0\u1edbng \u0111\u1ee9ng \u0111\u1ea7u danh s\u00e1ch c\u00e1c m\u1eb7t h\u00e0ng c\u1ea7n theo d\u00f5i khi n\u1ec1n kinh t\u1ebf bi\u1ebfn \u0111\u1ed9ng.\nTuy nhi\u00ean, \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n v\u01b0\u1ee3t qua suy tho\u00e1i kinh t\u1ebf, m\u1ed9t c\u00e1i nh\u00ecn r\u1ed9ng h\u01a1n l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. <\/p>\n\n

V\u00ed d\u1ee5, ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi s\u1ee9c kh\u1ecfe kinh t\u1ebf, nh\u01b0ng \u0111\u00f3 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 m\u00e0 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 xu h\u01b0\u1edbng b\u1ecf qua.\nT\u00ecnh c\u1ea3m c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 t\u00ecnh tr\u1ea1ng c\u1ee7a n\u1ec1n kinh t\u1ebf c\u00f3 \u1ea3nh h\u01b0\u1edfng s\u00e2u s\u1eafc \u0111\u1ebfn h\u00e0nh vi chi ti\u00eau c\u1ee7a h\u1ecd, \u0111i\u1ec1u n\u00e0y l\u00e0m cho ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh m\u1ed9t ch\u1ec9 s\u1ed1 quan tr\u1ecdng v\u1ec1 h\u00e0nh vi kinh t\u1ebf trong t\u01b0\u01a1ng lai, Jeffrey Gundlach<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a DoubleLine Capital LP n\u00f3i. <\/p>\n\n

Hi\u1ec7n t\u1ea1i, Gundlach l\u01b0u \u00fd m\u1ed9t kho\u1ea3ng c\u00e1ch gi\u1eefa t\u00e2m l\u00fd ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 k\u1ef3 v\u1ecdng trong t\u01b0\u01a1ng lai.\nC\u00e1c doanh nghi\u1ec7p nh\u1ecf d\u01b0\u1eddng nh\u01b0 c\u0169ng \u0111ang m\u1ea5t ni\u1ec1m tin v\u00e0o n\u1ec1n kinh t\u1ebf, \u0111i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n m\u1ed9t cu\u1ed9c suy tho\u00e1i s\u1eafp t\u1edbi m\u00e0 c\u00f2n gi\u00fap th\u00fac \u0111\u1ea9y n\u00f3. <\/p>\n\n

M\u1ed9t s\u1ed1 quy\u1ebft \u0111\u1ecbnh ch\u00ednh tr\u1ecb c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh \u0111\u00e0 \u0111i xu\u1ed1ng c\u1ee7a n\u1ec1n kinh t\u1ebf.\nV\u00e0o th\u00e1ng 1 n\u0103m 2019, nh\u00e0 t\u01b0 v\u1ea5n ch\u00ednh ph\u1ee7 v\u00e0 nh\u00e0 nghi\u00ean c\u1ee9u ch\u00ednh s\u00e1ch t\u00e0i kh\u00f3a Dan White<\/a> \u0111\u00e3 l\u00e0m ch\u1ee9ng tr\u01b0\u1edbc \u1ee7y ban ng\u00e2n s\u00e1ch v\u00e0 thu\u1ebf c\u1ee7a Th\u01b0\u1ee3ng vi\u1ec7n bang Maryland r\u1eb1ng vi\u1ec7c ch\u00ednh ph\u1ee7 \u0111\u00f3ng c\u1eeda k\u00e9o d\u00e0i c\u00f3 th\u1ec3 g\u00e2y ra suy tho\u00e1i kinh t\u1ebf M\u1ef9.\nVi\u1ec7c th\u1ef1c hi\u1ec7n thu\u1ebf quan c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a m\u1ed9t cu\u1ed9c suy tho\u00e1i, Paul R. La Monica<\/a> c\u1ee7a CNN n\u00f3i th\u00eam. <\/p>\n\n

\"Giấy<\/figure>\n\n

L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb cho m\u1ed9t cu\u1ed9c suy tho\u00e1i<\/h2>\n\n

C\u00e1c doanh nghi\u1ec7p trong m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111\u1ec1u c\u1ea3m th\u1ea5y t\u00e1c \u0111\u1ed9ng c\u1ee7a suy tho\u00e1i, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi suy tho\u00e1i nghi\u00eam tr\u1ecdng ho\u1eb7c k\u00e9o d\u00e0i.\nMay m\u1eafn thay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb cho m\u1ed9t cu\u1ed9c suy tho\u00e1i ngay b\u00e2y gi\u1edd b\u1eb1ng c\u00e1ch b\u1ea3o t\u1ed3n \u0111i\u1ec3m m\u1ea1nh c\u1ee7a h\u1ecd v\u00e0 b\u1ea3o v\u1ec7 c\u00e1c \u0111i\u1ec3m y\u1ebfu \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n trong th\u1eddi k\u1ef3 b\u1ea5t \u1ed5n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 kinh t\u1ebf. <\/p>\n\n

C\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng t\u1ed1t nh\u1ea5t trong th\u1eddi k\u1ef3 suy tho\u00e1i chia s\u1ebb m\u1ed9t s\u1ed1 h\u00e0nh vi ph\u1ed5 bi\u1ebfn, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Martin Reeves, Kevin Whitaker v\u00e0 Christian Ketels<\/a> tr\u00ean Harvard Business Review cho bi\u1ebft. H\u1ecd th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc ch\u1ee7 \u0111\u1ed9ng \u0111\u1ec3 chu\u1ea9n b\u1ecb, xem x\u00e9t c\u00e1c t\u00e1c \u0111\u1ed9ng l\u00e2u d\u00e0i v\u00e0 t\u1eadp trung v\u00e0o vi\u1ec7c duy tr\u00ec t\u0103ng tr\u01b0\u1edfng th\u00f4ng qua suy tho\u00e1i – m\u1eb7c d\u00f9 v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u1eadm h\u01a1n.<\/p>\n\n

“C\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 chu\u1ea9n b\u1ecb cho m\u1ed9t cu\u1ed9c suy tho\u00e1i l\u00e0 c\u1ee7ng c\u1ed1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a b\u1ea1n ng\u00e0y h\u00f4m nay”, Sarah Meusburger<\/a>, gi\u00e1m \u0111\u1ed1c nh\u00e2n s\u1ef1 t\u1ea1i Banner Associates, Inc. n\u00f3i.<\/p>\n\n

Meusburger khuy\u00ean b\u1ea1n n\u00ean \u00e1p d\u1ee5ng v\u0103n h\u00f3a c\u1ea3i ti\u1ebfn li\u00ean t\u1ee5c k\u1ebft h\u1ee3p c\u00f9ng m\u1ed9t h\u00e0nh vi m\u00e0 Reeves, Whitaker v\u00e0 Ketels \u0111\u00e3 kh\u00e1m ph\u00e1 trong nghi\u00ean c\u1ee9u c\u1ee7a h\u1ecd: m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn ch\u1ee7 \u0111\u1ed9ng, l\u00e2u d\u00e0i \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng v\u00e0 \u1ed5n \u0111\u1ecbnh kinh doanh.<\/p>\n\n

T\u1ea7m quan tr\u1ecdng c\u1ee7a m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng trong th\u1eddi gian tinh g\u1ecdn<\/h2>\n\n

M\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u1eabn l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i s\u1ea3n quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00ecm c\u00e1ch v\u01b0\u1ee3t qua suy tho\u00e1i.\n\u0110\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh trong b\u1ea5t k\u1ef3 m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf n\u00e0o, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i x\u00e1c \u0111\u1ecbnh kh\u00e1ch h\u00e0ng trung th\u00e0nh nh\u1ea5t v\u00e0 c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t c\u1ee7a b\u1ea1n v\u00e0 b\u1ea3o v\u1ec7 m\u1ed1i quan h\u1ec7 c\u1ee7a c\u00f4ng ty b\u1ea1n v\u1edbi h\u1ecd, Michael Evans<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Newport Board Group cho bi\u1ebft. <\/p>\n\n

“Trong tr\u01b0\u1eddng h\u1ee3p kinh doanh s\u1ee5t gi\u1ea3m, thay v\u00ec c\u1eaft gi\u1ea3m chi ph\u00ed tr\u00ean di\u1ec7n r\u1ed9ng, h\u00e3y s\u1eb5n s\u00e0ng chuy\u1ec3n ngu\u1ed3n l\u1ef1c \u0111\u1ec3 gi\u1eef ch\u00e2n nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 l\u1ee3i nhu\u1eadn cao n\u00e0y”, Evans n\u00f3i.<\/p>\n\n

M\u1ed9t c\u00e1ch \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng hi\u1ec7n nay l\u00e0 t\u1eadp trung v\u00e0o vi\u1ec7c s\u1eafp x\u1ebfp v\u0103n h\u00f3a n\u1ed9i b\u1ed9 v\u1edbi th\u01b0\u01a1ng hi\u1ec7u b\u00ean ngo\u00e0i, Denise Lee Yohn<\/a>, chuy\u00ean gia l\u00e3nh \u0111\u1ea1o th\u01b0\u01a1ng hi\u1ec7u v\u00e0 t\u00e1c gi\u1ea3 c\u1ee7a What Great Brands Do cho bi\u1ebft.<\/p>\n\n

“\u0110\u1ec3 b\u00f9 \u0111\u1eafp s\u1ef1 so s\u00e1nh gi\u00e1 cu\u1ed1i c\u00f9ng gi\u1eefa c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a b\u1ea1n v\u00e0 c\u1ea1nh tranh, b\u1ea1n n\u00ean t\u0103ng gi\u00e1 tr\u1ecb c\u1ea3m nh\u1eadn c\u1ee7a th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a m\u00ecnh ngay b\u00e2y gi\u1edd \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 r\u00fat ra t\u00e0i s\u1ea3n th\u01b0\u01a1ng hi\u1ec7u \u0111\u00f3 trong th\u1eddi k\u1ef3 suy tho\u00e1i”, Yohn n\u00f3i.<\/p>\n\n

\u0110i\u1ec1u ch\u1ec9nh nh\u1eadn di\u1ec7n th\u01b0\u01a1ng hi\u1ec7u v\u00e0 v\u0103n h\u00f3a n\u1ed9i b\u1ed9 x\u00e2y d\u1ef1ng gi\u00e1 tr\u1ecb, t\u1ea1o s\u1ef1 kh\u00e1c bi\u1ec7t cho th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng ch\u1ecdn th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a b\u1ea1n v\u00e0 v\u1eabn trung th\u00e0nh.<\/p>\n\n

\u1ea2nh: Andriy Popov\/\u00a9123RF.com, primagefactory\/\u00a9123RF.com, Dmitriy Shirosonov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf to\u00e0n c\u1ea7u n\u0103m 2009, n\u1ec1n kinh t\u1ebf M\u1ef9 \u0111\u00e3 v\u01b0\u01a1n l\u00ean m\u1ea1nh m\u1ebd tr\u1edf l\u1ea1i. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ch\u1ec9 s\u1ed1 kinh t\u1ebf nh\u1ea5t \u0111\u1ecbnh – c\u1ea3 \u1edf M\u1ef9 v\u00e0 n\u01b0\u1edbc ngo\u00e0i – ch\u1ec9 ra r\u1eb1ng th\u1eddi k\u1ef3 th\u1ecbnh v\u01b0\u1ee3ng c\u00f3 th\u1ec3 s\u1eafp k\u1ebft th\u00fac. “S\u1ef1 k\u1ebft th\u00fac \u0111\u00e3 […]<\/p>\n","protected":false},"featured_media":6037,"template":"","insight-category":[],"class_list":["post-21161","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/6037"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21161"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}