Imveliso ezi-5 eziphezulu ezithembisayo kumashishini aphesheya ukuba ziqwalaselwe e-Vietnam emva kwesifo

Ngokusebenzisa izicwangciso kunye nezicwangciso zokuphendula kwangexesha nezisebenzayo ze-COVID-19 nezicwangciso-qhinga, uqoqosho lwaseVietnam loyise ubunzima obuninzi kwaye lukhula ngokukhawuleza njengophumeleleyo emva kwesibetho, etsala umdla wamashishini aphesheya . Sigxininisa amashishini amahlanu e-viet nam kunye nelona thuba likhulu lokukhula notyalo-mali: Ishishini lamanye amazwe, utyalo mali kwiarhente yokuthengisa izindlu nomhlaba, imali yotyalo mali, inkampani yokuvelisa, inkampani yorhwebo, utyalomali ngqo lwangaphandle.

1. Ulwakhiwo noKwakha utyalo-mali

Elinye lamashishini akhula ngokukhawuleza eVietnam kukwakha. Kule minyaka ili-10 idlulileyo, ishishini lokwakha eVietnam likhule nge-8,5% ngonyaka. Eli nqanaba lokukhula limangalisayo alizukuma kwixa elizayo ngenxa yeenzame zikarhulumente zokuphucula umgangatho weziseko zophuhliso. Injongo kukutsala utyalomali kulwakhiwo lwezixhobo, ukhenketho kunye neeprojekthi zezindlu kwilizwe liphela.

Ukuqhubeka kokuhlala kwabantu ezidolophini kusenyuka ngokuthe chu kwaye kuzakuqhubeka ukuvelisa iimfuno zophuhliso lweendawo zokuhlala kunye neziseko zophuhliso. Ukonyuka kokuhlala kwabantu ezidolophini kuncede ukuthengiswa kwezindlu kunye nezinto zokwakha 'zentengiso zifezekise ukukhula okuhle.

Ngokwenkampani yomngcipheko kunye nophando iFitch Solutions, icandelo lolwakhiwo kulindeleke ukuba likhule ngokukhawuleza kumndilili wonyaka ongaphezulu kwe-7% kule minyaka ilishumi izayo, exhaswa ziimeko zoqoqosho olomeleleyo kunye neengxowa-mali ezinombono.

UFitch uthe utyalomali lwangaphandle ngqo luza kudlala indima ebalulekileyo ekwandiseni icandelo lezakhiwo zaseVietnam, njengoko iVietnam iye yaba liziko lemveliso lehlabathi. Ikwakholelwa ukuba ubhubhane weCoronavirus uya kukhokelela kushenxiso oluthe kratya kwimigca yemveliso kude ne China, enokuthi iVietnam izuze kuyo.

2. Ukwenza utyalo-mali

IVietnam kwi2020 ivele njengendawo enomtsalane kwiinkampani zamanye amazwe kunye neenkampani ezenza imveliso. Oku kwavela kwinto yokuba ubhubhane weCoronavirus kunye noxinzelelo lworhwebo kuye kwaqhuba ukutshintshwa kwemigca yemveliso isuka e-China yaya kumazwe asempuma mpuma Asia. Okwangoku, abavelisi abaninzi baceba ukuhambisa iindawo zabo zemveliso ukuze bafumane ezinye iimarike ukuba amaxabiso anyuka.

Ngokukodwa, iinkampani zorhwebo zamazwe aphesheya ezinje ngeSamsung, LG kunye neenkampani ezininzi zaseJapan ezenza izinto zombane ziye zahambisa iifektri ezisuka eChina naseIndiya zaya eVietnam, okanye zakha amaziko amatsha emveliso eVietnam kune China.

IVietnam ikwanoluhlu olubanzi lwezinto ezizodwa ezenziweyo, ukusukela kumalaphu asekhaya nakwimpahla yokunxiba, ifanitshala, ushicilelo kunye nemveliso yeenkuni. Abatyalomali banokulindela iVietnam ukuba yongeze izinto ezininzi njengoko imeko yayo yokuvelisa ikhula. Enye into ebalulekileyo xa kusekwa inkampani eVietnam lixabiso. Ixabiso leendleko zabasebenzi eVietnam lisisiqingatha sesithathu seqondo lase China, imveliso yexabiso ixabisa kancinane kwaye izikhuthazi zerhafu zibalulekile.

3. Utyalomali lwezindlu nomhlaba

Imfazwe yorhwebo yase-US-China kunye ne-COVID-19 ubhubhane, ngaphandle kwemiba emibi, izuze iVietnam, ngakumbi kwicandelo lokuthengiswa kwezindlu. Ukufuduka kwemizi-mveliso yokufuduka isuka e-China isiya e-Vietnam yenza ibango eliphezulu kweli candelo sele likhula.

Ngokuka-JLL, indawo ethengisa izindlu nomhlaba kunye nolawulo lotyalo-mali, nangona ubhubhane okwangoku ububangela ubunzima kwizigqibo zotyalo-mali okanye kwimisebenzi yokufuduka, abaphuhlisi bepaki bemizi-mveliso bahlala bezithembile ngokwanda kwamaxabiso omhlaba njengoko beqonda amandla exesha elide kwicandelo lezamashishini laseVietnam.

Ngexesha lokuqhambuka kwesibetho, malunga namawakawaka aphesheya kweVietnam kwilizwe liphela abuyele edolophini yabo kwindawo ekhuselekileyo, eli lithuba elikhulu lokwanda kwintengiso yearhente yokuthengisa izindlu nomhlaba.

Ngaphambi koko, abatyali mali bezindlu zangaphandle sele bejolise kwizindlu eViet Nam, zihlala zisebenzisana nomphuhlisi wasekhaya. Ukufudukela ezidolophini kudala imeko eqhubekayo yezindlu kumaziko amakhulu ezidolophini. Amashishini aphesheya , ngakumbi avela e-India nase-Japan, bafumana iindlela zabo zokuxhasa nokuphonononga amathuba kwiiprojekthi ezinjengeendlela, ukuveliswa kwamandla kunye nokuhanjiswa, kunye nokufakelwa kombane emaphandleni.

Nangona kunjalo, utyalo-mali lokuthengiswa kwezindlu nomhlaba lungahluka njengolwasekhaya kunye neshishini lamanye amazwe , njengokufumana izindlu nomhlaba, imigaqo, ukhetho lwezemali kunye neenkqubo zokuthenga. Kungcono uqonde ukuba le ntengiso isebenza njani kuloo ndawo, kwaye ufunde iikhowudi ngaphambi kokwenza izigqibo.

4. Utyalomali lwe-e-commerce

Kwiminyaka yakutshanje, iVietnam ikubonile ukunyuka kwezorhwebo lwe-elektroniki (okanye i-e-yorhwebo) ngamanqanaba okukhula asusela kwi-25 ukuya kuma-35% ngonyaka ngamnye. La manani kulindeleke ukuba anyuse ezimbalwa kulo nyaka njengoko ubhubhane we-COVID-19 uchaphazele kakhulu urhwebo lweemveliso kunye neemfuno zabathengi, nditsho nokutshintsha imikhwa yabathengi yokuthenga ngaphandle kweintanethi ukuya kwi-Intanethi.

Uqoqosho lwe-Intanethi eVietnam lufumene ngaphezulu kwe-US $ 1 yezigidigidi zotyalo-mali lwangaphandle ngqo kule minyaka mine idlulileyo. Okwangoku ngo-2020, iVietnam ixelwe ukuba inabantu abamalunga ne-97 yezigidi zabantu abane-67 yezigidi ze-smartphone kunye nabasebenzisi be-Intanethi, i-58 yezigidi zabasebenzisi beendaba zosasazo, eyenza iVietnam ilizwe elinomtsalane kubatyali mali.

Ukuba ishishini lamanye amazwe linomdla wokutyala imali kwi-e-commerce yaseVietnam, zintathu iindidi eziqhelekileyo zeshishini le-e-commerce ekufuneka liqaphele:

Abathengisi abakwi-Intanethi: Abathengisi abakwi -Intanethi eVietnam baneendawo zabo zokugcina iimpahla kwaye bahambisa iimveliso zabo ngaphandle kokuxhomekeka kwabanye abathengisi kwi-Intanethi.

Iindawo zentengiso ezikwi-Intanethi: Indawo yentengiso ekwi-Intanethi, njengeAmazon, i-Ebay kunye neAlibaba, yiwebhusayithi okanye usetyenziso oluququzelela ukuthengwa kwimithombo emininzi eyahlukeneyo. Abanini bemarike abanalo uluhlu lwezinto, endaweni yoko baya kuba neenkampani ezithengisa iimveliso phantsi kweqonga labo lentengiso.

Ukwahlula kwi-Intanethi: IVietnam, ukuhlelwa okwenziwa kwi-Intanethi kuhle kakhulu kwiindawo zentengiso ezikwi-Intanethi. Umahluko ophambili phakathi kwabo kukuba iwebhusayithi ekhethiweyo kwi-Intanethi okanye usetyenziso alunikezeli ngenkonzo yokuhlawula. Abathengi kunye nabathengisi kufuneka basete kwaye bacwangcise intengiselwano ngokwabo.

5. Utyalomali lweFintech

IVietnam, i-fintech ichongiwe njengendawo yotyalo-mali enokubakho, etsala ikomkhulu labaninzi "abalambile". Ngokwengxelo edityanelweyo yi-PWC, i-United Overseas Bank (i-UOB), kunye noMbutho waseSingapore Fintech, e2019 eVietnam babekwa kwindawo yesibini kwi-ASEAN malunga nenkxaso mali ye-fintech, kutsala i-36% yotyalo-mali lwe-fintech yommandla, okwesibini ukuya eSingapore (51% ).

Ngabantu bayo abancinci, ukunyuka kwenkcitho yabathengi, kunye nokukhula kokungena kwe-smartphone kunye ne-intanethi, iVietnam ivele njengemarike ebalulekileyo yeengxowa-mali ze-fintech. Phantse i-47% ye-Vietnamese fintech's startups ijolise ikakhulu kwiintlawulo zedijithali, eyona nto iphambili kwingingqi. Ukubolekisana ngoontanga (P2P) lelinye icandelo elithandwayo, nangaphezulu kweenkampani ezingaphezulu kwama-20 ezandisa imarike ngoku.

Ubhubhane we-COVID-19, ngaphandle kweempembelelo ezimbi kumashishini amaninzi, udale ithuba elihle le-fintech. Ukoyikwa kwesi sifo kusasazeka ngokunxibelelana nomzimba xa ujongene nemali yenye yezizathu zokuba abantu abaninzi baseVietnam basebenzise i-fintech.

Ukuvavanya amathuba kubatyali zimali baseVietnam ngeli xesha, uTran Viet Vinh, uMlawuli oLawulayo weFIIN yezeMali yeTekhnoloji yezeNkampani Joint Stock Inkampani uthe eli xesha lizisa ithuba kumashishini asebenza kwicandelo lokuhlawula kunye nemali yedijithali eVietnam. Indlela yokuziphatha yabathengi iyatshintsha isuke kwimali eziinkozo iye kwimali engenamali ngenxa yokujongana nalo bhubhane, kwaye iya kuqhubeka ngale ndlela njengoko abantu bekuqonda ukuba kulula ukuzisa kwimicimbi yabo yemihla ngemihla.