E haʻi wale aku mākou iā ʻoe i nā nū hou a me nā mea hou.
Ma o ka hoʻolālā manawa kūpono a me ka maikaʻi COVID-19 a me nā hoʻolālā, ua lanakila ka hoʻokele waiwai o Vietnam i nā pilikia he nui a ke ulu wikiwiki nei ma ke ʻano he mea lanakila ma hope o ka pandemia, e ʻumeʻume nei i ka manaʻo o nā ʻoihana kūwaho . Kākoʻo mākou i nā ʻoihana ʻelima ma Vietnam me ka hiki nui loa no ka ulu a me ka hoʻopukapuka: ʻOihana kūwaho, hoʻopukapuka waiwai, kālā hoʻopukapuka, ʻoihana hana, ʻoihana kālepa, hoʻopukapuka pololei ʻē.
ʻO kekahi o nā ʻoihana e ulu wikiwiki ana ma Vietnam ka kūkulu ʻana. I nā makahiki he 10 i hala iho nei, ua ulu ka ʻoihana kūkulu hale ma 8,5% i kēlā me kēia makahiki. ʻAʻole e kū kēia helu ulu kupaianaha i ka wā e hiki mai ana ma muli o ka hopena o ka hana a ke aupuni e hoʻomaikaʻi ai i ka maikaʻi o nā hana. ʻO ka pahuhopu ka mea e hoʻowalewale i ka hoʻopukapuka i nā hana kūkulu, hoʻokipa a me nā papahana hale a puni ka ʻāina.
Ke hoʻonui mau nei ka noho kūlanakauhale ʻana a hoʻomau e hoʻonui i ka noi no ka hoʻomohala ʻana i ka hale a me nā ʻoihana. Ua kōkua ka hoʻonui ʻana i ka urbanization i ka waiwai a me nā mākeke kūkulu mea e loaʻa ai ka ulu maikaʻi.
Wahi a ka pilikia a me ka ʻoihana noiʻi Fitch Solutions, e ulu wikiwiki ka ʻāpana kūkulu i ka awelika makahiki ma luna o 7% i loko o nā makahiki he 10 e hiki mai ana, i kākoʻo ʻia e nā kūlana macroeconomic ikaika a me nā kālā hoʻopukapuka ʻike.
Ua ʻōlelo ʻo Fitch e lilo ka hoʻopukapuka pololei haole i kuleana nui no ka hoʻonui ʻana i ka ʻāpana hale hana o Vietnam, ʻoiai ʻo Vietnam e lilo i hub no ka honua. Ua manaʻoʻiʻo ʻia ka maʻi maʻi Coronavirus e alakaʻi i ka hoʻololi hou ʻana o nā laina hana mai Kina, kahi e loaʻa ai iā Vietnam ka pōmaikaʻi.
Vietnam ma 2020 i puka mai kahi wahi maikaʻi no nā hui multinational a me nā ʻoihana hana. Ua hele mai kēia mai kaʻoiaʻiʻo o ka maʻi ahulau a Coronavirus a me nā hoʻokūkū kālepa i hoʻokau i ka neʻe ʻana o nā laina hana mai Kina a i nā ʻāina ʻĀkau Hema. I kēia manawa, ke hoʻolālā nei nā mea hana he nui e neʻe i kā lākou mau pūnaewele hana i mea e ʻike ai i nā mākeke ʻē aʻe inā piʻi aʻe nā kumukūʻai.
Eia kekahi, ʻo nā hui kālepa multinational e like me Samsung, LG a me nā hui hana uila uila Iapana e neʻe nei i nā hale hana mai Kina a me India i Vietnam, a i ʻole hoʻokumu i nā hale hana hou ma Vietnam ma mua o Kina.
ʻO Vietnam kekahi laulā ākea o nā loina hana, e kū ana mai nā lole home a me nā lole i nā lako hale, ka paʻi ʻana, a me nā huahana lāʻau. Hiki i nā mea hoʻopukapuka ke manaʻo iā Vietnam e hoʻohui i ka maʻalahi i ka ulu ʻana o kāna hanana hana. ʻO kekahi waiwai nui ke kūkulu ʻana i kahi ʻoihana hana ma Vietnam ka uku. ʻO ka helu kumukūʻai hana ma Vietnam ma kahi o ka hapakolu o ka helu ma Kina, ʻoi aku ka uku o nā laina hana a he mea nui nā ʻauhau ʻauhau.
ʻO ke kaua kalepa US-Kina a me ka maʻi ahulau COVID-19, ʻoiai nā ʻaoʻao maikaʻi ʻole, ua pōmaikaʻi ʻo Vietnam, ʻo ia hoʻi ma ka ʻāpana waiwai. ʻO ka nalu o nā hale hana e neʻe ana mai Kina a Vietnam e hoʻokumu i kahi koi kiʻekiʻe no kēia ʻāpana e ulu mua ana.
Wahi a JLL, kahi paʻa o ka waiwai a me ka hoʻokele waiwai hoʻopukapuka, ʻoiai ke kumu nei ka maʻi ahulau i nā pilikia no ka hoʻoholo ʻana i nā hoʻopukapuka a i ʻole nā hana neʻe ʻana, ua kūpaʻa ka poʻe hoʻomohala pā ʻoihana e hoʻonui i nā kumukūʻai o ka ʻāina no ka mea ua ʻike lākou i ka hiki lōʻihi i ka ʻāpana ʻoihana o Vietnam.
I ka wā o ke ahulau ahulau, ma kahi o kaukani mau Vietnamese ma nā ʻāina ʻē a puni ka honua i hoʻi i ko lākou ʻāina hānau no kahi wahi palekana, kahi manawa kūpono loa ia no ka mākeke waiwai Vietnamese e hoʻonui.
Ma mua o kēlā, ua nānā mua nā mea hoʻopukapuka waiwai ʻē i ka hale ma Vietnam Nam, ma ka laulima me ka mea hoʻomohala kūloko. Ua hoʻokumu ka Urbanization i ka noi mau no ka hale ma nā kikowaena nui. ʻO nā ʻoihana kūwaho , ʻo India a me Iapana paha, ke ʻimi nei i kā lākou ala e kākoʻo a ʻimi i nā manawa kūpono i nā papahana e like me ke ala, ka hana mana a me ka lawe ʻana, a me ka uila uila.
Eia nō naʻe, ʻokoʻa ka waiwai kūʻai waiwai ma ke ʻano he kūloko a me he ʻoihana kūwaho , e like me ka loaʻa ʻana o ka waiwai, nā lula, nā koho kālā a me nā kaʻina kūʻai. ʻOi aku ka maikaʻi e hoʻomaopopo pehea e hana ai kēia mākeke ma kahi, a aʻo i nā code ma mua o ka hoʻoholo ʻana.
I nā makahiki i hala iho nei, ua ʻike ʻo Vietnam i ka piʻi ʻana o ka ʻoihana uila (a i ʻole ke e-kālepa) me nā helu ulu mai 25 - 35% i kēlā me kēia makahiki. Manaʻo ʻia e hoʻonui kēia mau helu i kekahi mau mea hou i kēia makahiki ma muli o ka hoʻopili ʻana o ka maʻi COVID-19 i ka pāʻoihana a me ka makemake o nā mea kūʻai, ʻoiai ke hoʻololi nei i nā ʻano kūʻai o nā mea kūʻai aku mai ka pūnaewele a ka pūnaewele.
Ua loaʻa ka hoʻokele waiwai pūnaewele ma Vietnam ma mua o US $ 1 biliona o ka hoʻopukapuka pololei haole i nā makahiki ʻehā i hala. I kēia manawa ma 2020, ua hōʻike ʻia ʻo Vietnam he heluna kanaka o aneane 97 miliona mau kānaka me 67 miliona poʻe kelepona a me nā mea hoʻohana Pūnaewele, 58 miliona mau mea hoʻohana pāʻoihana kaiaulu, e hoʻolilo nei iā Vietnam i ʻāina nani no nā mea hoʻopukapuka lehulehu.
Inā makemake kahi ʻoihana kūwaho i ka hoʻopukapuka i loko o ka hanana e-commerce Vietnam, aia he 3 mau ʻano e-ʻoihana e-ʻoihana e ʻike pinepine ʻia:
Nā mea kūʻai aku pūnaewele: Loaʻa i nā mea kūʻai pūnaewele ma Vietnam kā lākou mau hale waihona ponoʻī a hāʻawi i kā lākou huahana ponoʻī me ka ʻole o ka hilinaʻi ʻana i nā mea kūʻai aku pūnaewele ʻē aʻe i kaupalena ʻia ka hiki.
Nā Mākeke Pūnaewele: ʻO kahi mākeke pūnaewele, e like me Amazon, Ebay a me Alibaba, kahi pūnaewele a polokalamu paha e kōkua i ke kūʻai ʻana mai nā kumuwaiwai like ʻole. ʻAʻohe o nā mea nona ka mākeke kahi papa inoa, akā e loaʻa iā lākou nā ʻoihana kūʻai aku e kūʻai aku ana i nā huahana ma lalo o kā lākou kahua kūʻai.
Nā Papa Hoʻohui Pūnaewele: Ma Vietnam, ʻano like nā hoʻolaha pūnaewele me nā mākeke pūnaewele. ʻO kahi ʻokoʻa nui ma waena o lākou kahi pūnaewele hoʻolaha pūnaewele ʻia a i ʻole polokalamu ʻaʻole hāʻawi i ka lawelawe uku. Pono nā mea kūʻai mai a me nā mea kūʻai aku e hoʻonohonoho a hana i ka hana ma o lākou iho.
Ma Vietnam, ʻike ʻia ka fintech ma ke ʻano he wahi waiwai kūʻai kūpono, e ʻumeume ana i ke kapikala o nā "manō pololi" he nui. Wahi a kahi hōʻike hui a PWC, United Overseas Bank (UOB), a me ka Singapore Fintech Association, ma 2019 Vietnam i koho ʻia i ka lua ma ka ASEAN e pili ana i ke kālā hoʻopukapuka fintech, e ʻumeʻume ana i 36% o ka hoʻokomo kālā fintech o ka ʻāina, ʻelua iā Singapore (51% ).
Me kāna ʻōpio demographic, e ala ana i ka hoʻolilo kālā ʻana o nā mea kūʻai aku, a me ka ulu ʻana o ke kelepona paʻa a me ka komo ʻana o ka pūnaewele, ua puka ʻo Vietnam ma ke ʻano he mākeke koʻikoʻi no nā kālā hoʻopukapuka fintech. Ma kahi o 47% o ka hoʻomaka ʻana o ka hoʻomaka ʻana o ka hana Vietnamese fintech ka nānā nui ʻana i nā uku kikohoʻe, ke kiʻina kiʻekiʻe loa ma ka ʻāina. ʻO ka hōʻaiʻē Peer-to-peer (P2P) kahi ʻāpana kaulana, me nā ʻoihana ʻo 20 e hoʻonui nei i ka mākeke i kēia manawa.
ʻO ka maʻi maʻi COVID-19, ʻoiai nā hopena maikaʻi ʻole i nā ʻoihana he nui, ua hana i kahi manawa kūpono loa no ka fintech. ʻO ka makaʻu i ka maʻi e laha ana ma o ka pili kino ʻana ke hana ʻana me ke kālā kekahi o nā kumu e hoʻohana nui nei ka poʻe Vietnamese i ka fintech.
Ke loiloi nei i nā manawa kūpono no nā mea hoʻopukapuka fintech Vietnamese i kēia wā, ua ʻōlelo ʻo Tran Vietnam Vinh, ka Luna Hoʻokele o FIIN Financial Technology Innovation Joint Stock Company e lawe ana kēia manawa i kahi manawa kūpono no nā ʻoihana e hana nei i ke kahua o ka uku a me ka waihona kālā uila ma Vietnam. Ke loli nei ka lawena o nā mea kūʻai mai ke kālā a i ke kālā kālā ʻole ma muli o ka hana ʻana me ka maʻi ahulau, a e hoʻomau i kēia ala ke ʻike ka poʻe i ka ʻoluʻolu i lawe ʻia i kā lākou mau hana i kēlā me kēia lā.
Nā nūhou hou a me nā ʻike mai nā wahi a puni o ka honua i lawe ʻia mai iā ʻoe e nā loea o One IBC
Haʻaheo mau mākou i ka lilo ʻana i mea lawelawe waiwai kālā a me ka ʻoihana Hoʻokele i ka mākeke kūwaho. Hāʻawi mākou i ka waiwai ʻoi aku ka maikaʻi a me ka hoʻokūkū iā ʻoe e like me nā mea kūʻai aku i waiwai e hoʻololi i kāu mau pahuhopu i kahi hopena me kahi papa hana maopopo. ʻO kā mākou pane, kāu kūleʻa.