Izimboni ezi-5 eziphezulu ezethembisayo zamabhizinisi aphesheya okufanele azicabangele eVietnam ngemuva kobhadane

Ngokusebenzisa amasu namasu wokuphendula we-COVID-19 afika ngesikhathi futhi asebenzayo, umnotho waseVietnam usunqobe ubunzima obuningi futhi uyavela ngokushesha njengomuntu onqobayo ngemuva kokubhebhetheka, okuheha amabhizinisi aphesheya . Sigcizelela izimboni ezinhlanu e-viet nam ezinamandla amakhulu okukhula kanye nokutshalwa kwezimali: Ibhizinisi lomhlaba wonke, utshalomali lwezezakhiwo, izimali zokutshala imali, inkampani yokukhiqiza, inkampani yokuhweba, utshalomali oluqondile lwangaphandle.

1. Ukutshalwa kwezimali kwezokwakha nokwakha

Enye yezimboni ezikhula ngokushesha eVietnam ukwakhiwa. Eminyakeni eyishumi edlule, imboni yezokwakha eVietnam ikhule ngo-8,5% ngonyaka. Leli zinga lokukhula elimangalisayo ngeke liyeke maduze nje ngenxa yemizamo kahulumeni yokwenza ngcono ikhwalithi yengqalasizinda. Inhloso ukuheha utshalomali ekwakhiweni kwengqalasizinda, ezokuvakasha nakumaphrojekthi wezindlu ezweni lonke.

Ukuqhubeka kokuhlala kwabantu emadolobheni kusanda kancane futhi kuzoqhubeka nokukhiqiza izidingo zokuhlala kanye nezingqalasizinda. Ukwanda kokufuduka emadolobheni kusizile izimakethe zezindlu nezakhiwo zokwakha ukuthi zikhule kahle.

Ngokusho kwenkampani enobungozi nocwaningo i-Fitch Solutions, umkhakha wezokwakha kulindeleke ukuthi ukhule ngokushesha ngesilinganiso sonyaka esingaphezulu kuka-7% kule minyaka eyishumi ezayo, sisekelwa yizimo eziqinile zezomnotho kanye nezimali zokutshala imali ezinombono.

UFitch uthe ukutshalwa kwezimali okuqondile kwamanye amazwe kuzodlala indima enkulu ekwandiseni umkhakha wezakhiwo zezimboni waseVietnam, njengoba iVietnam iba yindawo yokukhiqiza emhlabeni jikelele. Futhi bekukholelwa ukuthi ubhadane lweCoronavirus luzoholela ekuqhubekeni kokushintshwa kolayini bezokukhiqiza kude neChina, okungenzeka ukuthi iVietnam izuze kulo.

2. Ukukhiqiza utshalomali

IVietnam ngo-2020 isivele njengendawo ekhangayo ezinkampanini zamazwe omhlaba kanye nezinkampani ezikhiqizayo. Lokhu kuqhamuke ekutheni ubhadane lweCoronavirus kanye nokungezwani kwezohwebo kuholele ekushintsheni kolayini bokukhiqiza besuka eChina besiya emazweni aseningizimu-mpumalanga ye-Asia. Njengamanje, abakhiqizi abaningi bahlela ukuhambisa izindawo zabo zokukhiqiza ukuze bathole ezinye izimakethe uma kwenzeka amanani enyuka.

Ikakhulukazi, izinkampani zokuhweba zamazwe omhlaba ezinjengeSamsung, i-LG kanye nezinkampani eziningi zaseJapan ezikhiqiza izinto zikagesi bezilokhu zihambisa amafemu zisuka eChina naseNdiya ziya eVietnam, noma zisungule izindawo ezintsha zokukhiqiza eVietnam kuneChina.

IVietnam ibuye ibe nobubanzi obubanzi bezinto ezikhiqizayo, kusuka ezindwangu zasendlini nezingubo kuya kufenisha, ukuphrinta, nemikhiqizo yezinkuni. Abatshalizimali bangalindela iVietnam ukuthi ingeze izinto eziningi njengoba indawo yokukhiqiza ikhula. Enye inzuzo ebalulekile lapho kusungulwa inkampani yokukhiqiza eVietnam izindleko. Izinga lezindleko zabasebenzi eVietnam cishe liyingxenye eyodwa kwezintathu zamanani aseChina, intambo yokukhiqiza ibiza kancane futhi izikhuthazo zentela zibaluleke kakhulu.

3. Ukutshalwa kwezindlu

Impi yezohwebo yase-US-China nobhubhane lwe-COVID-19, yize kunezici ezingezinhle, izuze iVietnam, ikakhulukazi emkhakheni wezezakhiwo. Igagasi lezimboni zokukhiqiza lifuduka lisuka eChina laya eVietnam lidala isidingo esikhulu salomkhakha osuvele uchuma.

Ngokusho kwe-JLL, inkampani elawula ukuphathwa kwezindawo zomhlaba wonke kanye nokutshalwa kwezimali, yize ubhadane njengamanje lubangela ubunzima bezinqumo zokutshalwa kwezimali noma imisebenzi yokufuduswa, abathuthukisi bepaki bezimboni bahlala bezethemba ngokwenyuka kwamanani omhlaba njengoba bebona amandla esikhathi eside engxenyeni yezimboni yaseVietnam.

Ngesikhathi kubheduka ubhadane, cishe izinkulungwane zabantu baseVietnam baphesheya kwezilwandle babuyele edolobheni lakubo ukuthola indawo ephephile, okuyithuba elikhulu lokuthi imakethe yezezakhiwo yaseVietnam ikhule.

Ngaphambi kwalokho, abatshalizimali bezindawo zakwamanye amazwe sebevele bagxile ezindlini eViet Nam, imvamisa ngokubambisana nomqambi wasendaweni. Ukufudukela emadolobheni kudale ukuthi kube nesidingo esiqhubekayo sezindlu ezindaweni ezinkulu zasemadolobheni. Amabhizinisi aphesheya , ikakhulukazi avela eNdiya naseJapan, athola izindlela zawo zokweseka nokuhlola amathuba kumaphrojekthi afana nomgwaqo, ukukhiqizwa kwamandla kanye nokuhanjiswa, kanye nokufakelwa kukagesi ezindaweni zasemakhaya.

Kodwa-ke, utshalomali lwezezakhiwo lungahluka njengebhizinisi lasekhaya futhi njengebhizinisi lamazwe omhlaba , njengokutholwa kwezakhiwo, imithethonqubo, izinketho zezimali nezinqubo zokuthenga. Kungcono ukuqonda ukuthi le makethe isebenza kanjani khona lapho, nokuthi ufunde amakhodi ngaphambi kokwenza izinqumo.

4. Ukutshalwa kwezimali nge-E-commerce

Eminyakeni yamuva nje, iVietnam ibone ukukhuphuka kwezohwebo ze-Elektroniki (noma i-e-commerce) ngamazinga okukhula asukela ku-25 - 35% unyaka nonyaka. Lezi zinombolo kulindeleke ukuthi zande ezimbalwa kulo nyaka njengoba ubhadane lwe-COVID-19 luthinte kakhulu ukuhwebelana kwempahla kanye nokufunwa kwabathengi, kuze kushintshe nemikhuba yokuthenga yabathengi kusuka kokungaxhunyiwe kwi-inthanethi kuya ku-inthanethi.

Umnotho we-inthanethi eVietnam usuthole imali engaphezulu kwezigidi eziyizinkulungwane ezingama- $ 1 yotshalomali oluqondile lwangaphandle eminyakeni emine edlule. Njengamanje ku-2020, iVietnam kubikwa ukuthi inabantu abacishe babe yizigidi ezingama-97 abanezigidi ezingama-67 zabasebenzisi be-smartphone ne-Intanethi, abasebenzisi bezindaba zenhlalo abayizigidi ezingama-58, okwenza iVietnam izwe elikhangayo kubatshalizimali abaningi.

Uma ibhizinisi lamazwe omhlaba linentshisekelo yokutshala imali endaweni yezentengiselwano yaseVietnam, kunezinhlobo ezi-3 ezivame kakhulu zebhizinisi le-e-commerce okufanele liziqaphele:

Abadayisi Abaku- inthanethi: Abathengisi abaku-inthanethi eVietnam banezinqolobane zabo futhi basabalalisa imikhiqizo yabo ngaphandle kokuthembela kwabanye abathengisi abasebenza online.

Izimakethe Eziku- inthanethi: Imakethe eku-inthanethi, efana ne-Amazon, i-Ebay ne-Alibaba, iyiwebhusayithi noma uhlelo lokusebenza olusiza ukuthenga emithonjeni eminingi ehlukahlukene. Abanikazi bemakethe abanawo amaqoqo, esikhundleni salokho bazoba nezinkampani ezihweba ngokuthengisa imikhiqizo ngaphansi kwesikhulumi sabo semakethe.

Ama-Classifieds aku-inthanethi: EVietnam, ukuhlukaniswa okuku-inthanethi kufana kakhulu nezimakethe eziku-inthanethi. Umehluko omkhulu phakathi kwabo ukuthi iwebhusayithi noma uhlelo lokusebenza olwehlukanisiwe alunikezeli ngensizakalo yokukhokha. Abathengi nabathengisi kufanele basethe baphinde bacubungule okwenziwayo bebodwa.

5. Ukutshalwa kwezimali kweFintech

EVietnam, i-fintech ikhonjwa njengendawo engatshala imali eningi, eheha inhlokodolobha "koshaka abalambile" abaningi. Ngokombiko ohlanganyelwe we-PWC, i-United Overseas Bank (UOB), kanye neSingapore Fintech Association, e-2019 eVietnam bakleliswe endaweni yesibili ku-ASEAN mayelana noxhaso lwe-fintech lokutshala imali, okuheha ama-36% otshalo-mali lwe-fintech esifundeni, okwesibili kuya eSingapore (51% ).

Ngabantu bayo abasha, ukukhuphuka kwemali esetshenziswa ngabathengi, nokukhula kokungena kwe-smartphone ne-inthanethi, iVietnam isivele njengemakethe ebalulekile yezimali zokutshala ze-fintech. Cishe ama-47% okuqala okugxilwe kuqala kwe-fintech yaseVietnam akukhokhelwa kwedijithali, ukugxila okuphezulu kakhulu esifundeni. Ukubolekiswa kwe-Peer-to-peer (P2P) kungenye ingxenye ethandwayo, njengoba kunezinkampani ezingaphezu kwezingu-20 ezikhulisa imakethe njengamanje.

Ubhadane lwe-COVID-19, yize lunemithelela emibi ezimbonini eziningi, seludale ithuba elihle le-fintech. Ukwesaba isifo okusakazeka ngokuthintana ngokomzimba lapho usebenza ngemali kungenye yezizathu zokuthi kungani abantu abaningi baseVietnam basebenzisa i-fintech.

Ukuhlola amathuba abatshali bezimali be-fintech baseVietnam ngalesi sikhathi, uTran Viet Vinh, uMqondisi Ophethe we-FIIN Financial Technology Innovation Joint Stock Company uthe lesi sikhathi siletha ithuba amabhizinisi asebenza emkhakheni wokukhokha kanye nezezimali zedijithali eVietnam. Ukuziphatha kwabathengi kuyashintsha kusuka emalini kuye emalini engenamali ngenxa yokubhekana nalolu bhubhane, futhi kuzoqhubeka ngale ndlela njengoba abantu bebona ukulethwa okukulethayo ezinhlelweni zabo zansuku zonke.