{"id":183,"date":"2026-02-09T04:37:18","date_gmt":"2026-02-09T04:37:18","guid":{"rendered":"https:\/\/llq.vn\/vi\/?p=183"},"modified":"2026-04-20T09:25:11","modified_gmt":"2026-04-20T09:25:11","slug":"he-thong-cho-vay-va-khoi-tao-khoan-vay-ky-thuat-so-los-to-chuc-tai-chinh-hang-dau-tai-viet-nam","status":"publish","type":"post","link":"https:\/\/llq.vn\/vi\/blog\/kinh-nghiem-trien-khai\/he-thong-cho-vay-va-khoi-tao-khoan-vay-ky-thuat-so-los-to-chuc-tai-chinh-hang-dau-tai-viet-nam\/","title":{"rendered":"H\u1ec7 th\u1ed1ng cho vay v\u00e0 kh\u1edfi t\u1ea1o kho\u1ea3n vay k\u1ef9 thu\u1eadt s\u1ed1 (LOS) *T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"<p>L\u1ea1c Long Qu\u00e2n kh\u1eb3ng \u0111\u1ecbnh n\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7 v\u01b0\u1ee3t tr\u1ed9i khi \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 x\u00e2y d\u1ef1ng hai module quan tr\u1ecdng nh\u1ea5t c\u1ee7a d\u1ef1 \u00e1n LOS c\u1ee7a BIDV: <b data-path-to-node=\"20\" data-index-in-node=\"151\">The Customer Needs Reception Module<\/b> v\u00e0 <b data-path-to-node=\"20\" data-index-in-node=\"191\">The Credit Proposal Module<\/b>. V\u1edbi \u0111\u1ed9i ng\u0169 to\u00e0n di\u1ec7n t\u1eeb Qu\u1ea3n l\u00fd D\u1ef1 \u00e1n, Ki\u1ebfn tr\u00fac s\u01b0 Gi\u1ea3i ph\u00e1p, Ph\u00e2n t\u00edch Kinh doanh \u0111\u1ebfn Ph\u00e1t tri\u1ec3n v\u00e0 Ki\u1ec3m th\u1eed, L\u1ea1c Long Qu\u00e2n cam k\u1ebft mang \u0111\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u, k\u1ebft h\u1ee3p chuy\u00ean m\u00f4n nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng v\u1edbi s\u1ef1 am hi\u1ec3u c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u1ea5t.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-1266 size-full aligncenter\" src=\"https:\/\/llq.vn\/wp-content\/uploads\/2026\/01\/lending-hub.webp\" alt=\"\" width=\"640\" height=\"360\" \/><\/p>\n<p><strong>X\u00e2y d\u1ef1ng &#8220;tr\u00e1i tim&#8221; c\u1ee7a h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1<\/strong><\/p>\n<p>Trong t\u1ed5ng th\u1ec3 ki\u1ebfn \u200b\u200btr\u00fac H\u1ec7 th\u1ed1ng C\u1ea5p v\u1ed1n (LOS) c\u1ee7a BIDV, L\u1ea1c Long Qu\u00e2n vinh d\u1ef1 \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp ph\u00e1t tri\u1ec3n hai h\u1ec7 th\u1ed1ng con \u0111\u00f3ng vai tr\u00f2 &#8220;x\u01b0\u01a1ng s\u1ed1ng&#8221;, quy\u1ebft \u0111\u1ecbnh t\u1ed1c \u0111\u1ed9 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a quy tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng:<\/p>\n<ol>\n<li><b data-path-to-node=\"20\" data-index-in-node=\"151\">The Customer Needs Reception Module<\/b> (Ti\u1ebfp nh\u1eadn Kh\u00e1ch h\u00e0ng): \u0110\u00e2y l\u00e0 c\u1ed5ng ch\u00ednh c\u1ee7a h\u1ec7 th\u1ed1ng. \u0110\u1ed9i ng\u0169 Lac Long Quan \u0111\u00e3 x\u00e2y d\u1ef1ng module n\u00e0y v\u1edbi kh\u1ea3 n\u0103ng x\u1eed l\u00fd \u0111a k\u00eanh, cho ph\u00e9p thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng linh ho\u1ea1t t\u1eeb nhi\u1ec1u ngu\u1ed3n kh\u00e1c nhau (\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng, Web, Qu\u1ea7y giao d\u1ecbch chi nh\u00e1nh). Th\u00e0nh ph\u1ea7n n\u00e0y \u0111\u1ea3m b\u1ea3o d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o \u0111\u01b0\u1ee3c thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u00e0 chu\u1ea9n h\u00f3a ngay t\u1eeb b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean.<\/li>\n<li><b data-path-to-node=\"20\" data-index-in-node=\"191\">The Credit Proposal Module<\/b>: \u0110\u01b0\u1ee3c xem nh\u01b0 b\u1ed9 n\u00e3o v\u1eadn h\u00e0nh, module n\u00e0y h\u1ed7 tr\u1ee3 c\u00e1c Qu\u1ea3n l\u00fd Quan h\u1ec7 Kh\u00e1ch h\u00e0ng (RM) trong vi\u1ec7c ph\u00e2n t\u00edch h\u1ed3 s\u01a1, c\u01a1 c\u1ea5u kho\u1ea3n vay v\u00e0 chu\u1ea9n b\u1ecb b\u00e1o c\u00e1o th\u1ea9m \u0111\u1ecbnh. L\u1ea1c Long Qu\u00e2n \u0111\u00e3 s\u1ed1 h\u00f3a c\u00e1c quy tr\u00ecnh t\u00ednh to\u00e1n ph\u1ee9c t\u1ea1p, gi\u00fap t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ki\u1ec3m tra tu\u00e2n th\u1ee7 ch\u00ednh s\u00e1ch v\u00e0 \u0111\u1ec1 xu\u1ea5t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p.<\/li>\n<\/ol>\n<p><strong>Nh\u00e2n s\u1ef1 &#8220;to\u00e0n di\u1ec7n&#8221; gi\u00e0u kinh nghi\u1ec7m<\/strong><\/p>\n<p>Th\u00e0nh c\u00f4ng c\u1ee7a d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi ngu\u1ed3n nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao, gi\u00e0u kinh nghi\u1ec7m trong l\u0129nh v\u1ef1c T\u00e0i ch\u00ednh &amp; Ng\u00e2n h\u00e0ng do L\u1ea1c Long Qu\u00e2n cung c\u1ea5p. Ch\u00fang t\u00f4i tri\u1ec3n khai m\u00f4 h\u00ecnh \u0111\u1ed9i ng\u0169 ti\u00eau chu\u1ea9n bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c v\u1ecb tr\u00ed ch\u1ee7 ch\u1ed1t:<\/p>\n<ul>\n<li><strong>Qu\u1ea3n l\u00fd d\u1ef1 \u00e1n (PM)<\/strong>: C\u00e1c nh\u00e0 qu\u1ea3n l\u00fd gi\u00e0u kinh nghi\u1ec7m trong vi\u1ec7c tri\u1ec3n khai c\u00e1c h\u1ec7 th\u1ed1ng Core Banking\/LOS quy m\u00f4 l\u1edbn, \u0111\u1ea3m b\u1ea3o ti\u1ebfn \u0111\u1ed9 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng b\u00e0n giao.<\/li>\n<li><strong>Ki\u1ebfn tr\u00fac s\u01b0 gi\u1ea3i ph\u00e1p (SA)<\/strong>: C\u00e1c ki\u1ebfn \u200b\u200btr\u00fac s\u01b0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m thi\u1ebft k\u1ebf khung c\u00f4ng ngh\u1ec7, \u0111\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng c\u00f3 kh\u1ea3 n\u0103ng ch\u1ecbu t\u1ea3i cao, an to\u00e0n v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng (Ki\u1ebfn tr\u00fac vi d\u1ecbch v\u1ee5).<\/li>\n<li><strong>Chuy\u00ean vi\u00ean ph\u00e2n t\u00edch nghi\u1ec7p v\u1ee5 (BA):<\/strong> C\u00e1c chuy\u00ean vi\u00ean ph\u00e2n t\u00edch c\u00f3 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 quy tr\u00ecnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, \u0111\u00f3ng vai tr\u00f2 c\u1ea7u n\u1ed1i \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i ch\u00ednh x\u00e1c c\u00e1c y\u00eau c\u1ea7u c\u1ee7a BIDV th\u00e0nh c\u00e1c th\u00f4ng s\u1ed1 k\u1ef9 thu\u1eadt.<\/li>\n<li><strong>L\u1eadp tr\u00ecnh vi\u00ean (Dev):<\/strong> K\u1ef9 s\u01b0 ph\u1ea7n m\u1ec1m (Backend\/Frontend) nhanh ch\u00f3ng n\u1eafm b\u1eaft c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi (Java Spring Boot, Angular\/React, Oracle&#8230;), tr\u1ef1c ti\u1ebfp vi\u1ebft m\u00e3 t\u1ed1i \u01b0u cho c\u00e1c module.<\/li>\n<li><strong>Nh\u00e2n vi\u00ean ki\u1ec3m th\u1eed\/Ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng<\/strong>: Nh\u00f3m ki\u1ec3m th\u1eed \u0111\u1ea3m b\u1ea3o m\u1ecdi t\u00ednh n\u0103ng \u0111\u01b0\u1ee3c tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng ch\u00ednh x\u00e1c, kh\u00f4ng c\u00f3 l\u1ed7i v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u kinh doanh.<\/li>\n<\/ul>\n<p><strong>S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa kinh doanh v\u00e0 c\u00f4ng ngh\u1ec7<\/strong><\/p>\n<p>Th\u1ebf m\u1ea1nh c\u1ee7a \u0111\u1ed9i ng\u0169 L\u1ea1c Long Qu\u00e2n kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf k\u1ef9 n\u0103ng l\u1eadp tr\u00ecnh m\u00e0 c\u00f2n \u1edf t\u01b0 duy kinh doanh. Hi\u1ec3u r\u00f5 &#8220;ng\u00f4n ng\u1eef ng\u00e2n h\u00e0ng&#8221; cho ph\u00e9p ch\u00fang t\u00f4i ch\u1ee7 \u0111\u1ed9ng t\u01b0 v\u1ea5n cho c\u00e1c \u0111\u1ed1i t\u00e1c, gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c tri\u1ec3n khai ph\u1ee9c t\u1ea1p v\u00e0 \u0111\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng LOS ho\u1ea1t \u0111\u1ed9ng tr\u01a1n tru trong th\u1ef1c t\u1ebf.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u1ea1c Long Qu\u00e2n kh\u1eb3ng \u0111\u1ecbnh n\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7 v\u01b0\u1ee3t tr\u1ed9i khi \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 x\u00e2y d\u1ef1ng hai module quan tr\u1ecdng nh\u1ea5t c\u1ee7a d\u1ef1 \u00e1n LOS c\u1ee7a BIDV: The Customer Needs Reception Module v\u00e0 The Credit Proposal Module. V\u1edbi \u0111\u1ed9i ng\u0169 to\u00e0n di\u1ec7n t\u1eeb Qu\u1ea3n l\u00fd D\u1ef1 \u00e1n, Ki\u1ebfn tr\u00fac s\u01b0 Gi\u1ea3i ph\u00e1p, Ph\u00e2n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-nghiem-trien-khai"],"_links":{"self":[{"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/posts\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/comments?post=183"}],"version-history":[{"count":2,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/posts\/183\/revisions"}],"predecessor-version":[{"id":186,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/posts\/183\/revisions\/186"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/media\/184"}],"wp:attachment":[{"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/media?parent=183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/categories?post=183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/llq.vn\/vi\/wp-json\/wp\/v2\/tags?post=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}