{"id":999978223,"date":"2025-10-10T09:47:14","date_gmt":"2025-10-10T02:47:14","guid":{"rendered":"https:\/\/bizzi.vn\/?p=999978223"},"modified":"2026-06-09T13:43:41","modified_gmt":"2026-06-09T06:43:41","slug":"what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution","status":"publish","type":"post","link":"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/","title":{"rendered":"What is the liquidity ratio? The formula and 5 core metrics for CFOs to control cash flow"},"content":{"rendered":"<p>According to financial experts at <strong>Bizzi.vn<\/strong> \u2013 the leading B2B financial automation platform, Liquidity Ratio is an index that reflects the ability of a business to use short-term assets to pay short-term debts. This is a \u201chealth measure\u201d that helps businesses assess their ability to maintain cash flow and prevent the risk of financial imbalance.<\/p>\n<p>It is necessary to distinguish: Liquidity is related to short-term debt obligations, while solvency reflects long-term payment capacity. Therefore, this article by Bizzi will help you understand the concept clearly. <strong>What is the payment ratio?<\/strong>, how to calculate and the role of the payment ratio, thereby optimizing cash flow and making more effective financial decisions.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Index<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#He_so_thanh_toan_la_gi\" >What is the payout ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Tam_quan_trong_trong_phan_tich_tai_chinh_cua_he_so_thanh_toan_la_gi\" >What is the importance of liquidity ratio in financial analysis?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Co_nhung_loai_he_so_thanh_toan_la_gi\" >What are the types of payout ratios?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#He_so_thanh_toan_hien_hanh_Current_Ratio\" >Current Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#He_so_thanh_toan_nhanh_Quick_Ratio_Acid-Test_Ratio\" >Quick Ratio \/ Acid-Test Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#He_so_thanh_toan_tuc_thoi_Cash_Ratio\" >Cash Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#He_so_thanh_toan_lai_vay_Interest_Coverage_Ratio\" >Interest Coverage Ratio<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Rui_ro_va_han_che_cot_loi_Vi_sao_he_so_thanh_toan_co_the_%E2%80%98dep_tren_giay_to_nhung_tien_that_khong_co\" >Core Risks and Limitations: Why Can a Payout Ratio Look Good on Paper but Not in Real Money?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Cach_ke_toan_va_quan_ly_toi_uu_hoa_he_so_thanh_toan_la_gi\" >What is the accounting and management method for optimizing the payment ratio?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Doi_voi_Ban_lanh_dao_CFO_hay_CEO\" >For the Board of Directors, CFO or CEO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Doi_voi_bo_phan_ke_toan\" >For the accounting department<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Toi_uu_von_luu_dong_va_cai_thien_he_so_thanh_toan_bang_tu_dong_hoa_Bizzivn_Expertise_Node\" >Optimize working capital and improve payment ratios with Bizzi.vn automation (Expertise Node)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bizzi.vn\/en\/what-is-the-payment-system-optimize-your-businesss-liquidity-with-a-comprehensive-cost-management-solution\/#Ket_luan\" >Conclude<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"He_so_thanh_toan_la_gi\"><\/span><b>What is the payout ratio?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Payout coefficient<\/b><span style=\"font-weight: 400;\"> is considered an important tool in the financial sector, helping to measure and evaluate the solvency of a business or organization. With another name is liquidity index, this is a tool that shows the ability of the business to repay short-term debts and ensure the balance between short-term assets and short-term debts. It is the ability to convert assets into cash to pay the debts of the business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Liquidity ratios typically focus only on short-term debt-paying ability, since \u201cliquidity\u201d refers primarily to how quickly a business can convert assets into cash to pay debts due in less than 12 months.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Familiar coefficients: <\/span><b>Current Ratio, Quick Ratio, Cash Ratio<\/b><span style=\"font-weight: 400;\"> \u2192 compare <\/span><b>Current assets<\/b><span style=\"font-weight: 400;\"> with <\/span><b>short term debt<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">What is the data collected from the solvency ratios? These ratios provide important information for investors, banks and business managers to assess the business situation, ensuring the ability to meet financial obligations. The solvency ratio is divided into many different categories, corresponding to short-term debt and long-term debt.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tam_quan_trong_trong_phan_tich_tai_chinh_cua_he_so_thanh_toan_la_gi\"><\/span><b>What is the importance of liquidity ratio in financial analysis?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Solvency ratio is a core indicator in assessing financial health, especially in terms of short-term solvency and risk management.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Short-term financial health assessment<\/b><span style=\"font-weight: 400;\">: This index plays an important role in assessing the financial health of a business in the short term. If the ratio &lt; 1 \u2192 risk of insolvency. If the ratio is too high \u2192 it may show that capital is &quot;frozen&quot; in current assets and has not been used effectively.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Measures short-term debt paying ability<\/b><span style=\"font-weight: 400;\">: Helps assess whether a business has the ability to pay short-term debts and payables within one year, ensuring financial stability and avoiding the risk of not being able to pay on time.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assess the balance between current assets and current liabilities<\/b><span style=\"font-weight: 400;\">: Allows assessment of the balance between short-term assets and short-term financial obligations, helping to maintain sustainable solvency and optimize the use of short-term assets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial risk forecasting and management<\/b><span style=\"font-weight: 400;\">: Assist in identifying potential future financial problems and taking preventive measures, adjusting financial plans accordingly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Support investment decisions and business expansion<\/b><span style=\"font-weight: 400;\">: Providing important information to investors, helping them to have more confidence in businesses with good liquidity ratios, thereby affecting their decisions to invest, borrow capital or expand business.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In general, to have a complete view, businesses need to combine other groups of indicators such as: profitability, operating efficiency, financial leverage.<\/span><\/p>\n<figure id=\"attachment_999978230\" aria-describedby=\"caption-attachment-999978230\" style=\"width: 700px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-999978230 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-6.jpg\" alt=\"What is a payment plan?\" width=\"700\" height=\"466\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-6.jpg 700w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-6-300x200.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-6-18x12.jpg 18w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><figcaption id=\"caption-attachment-999978230\" class=\"wp-caption-text\">Solvency ratios assess financial health, particularly in terms of short-term solvency and risk management.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Co_nhung_loai_he_so_thanh_toan_la_gi\"><\/span><b>What are the types of payout ratios?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Liquidity ratio is a core indicator in financial analysis because it reflects the ability of a business to maintain liquidity, manage short-term risks and ensure financial reputation. This is a key factor to maintain the trust of investors, banks and partners, and at the same time helps leaders make effective management decisions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to understanding the nature of the payment ratio, it is necessary to understand how many types of payment ratios are used for evaluation. Below are some payment ratios reflecting short-term debt, including:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"He_so_thanh_toan_hien_hanh_Current_Ratio\"><\/span><b>Current Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Concept:<\/strong> This is a useful tool to assess a business&#039;s short-term financial situation and short-term solvency (usually due within 1 year).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Recipe:<\/strong> <\/span><b>Current Ratio = Total Current Assets \/ Total Current Liabilities<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">In there<\/span><\/i><span style=\"font-weight: 400;\">: Short-term assets include cash, cash equivalents, accounts receivable, short-term financial investments, inventories; Short-term liabilities include payables to suppliers, salaries, taxes, short-term loans.<\/span><\/p>\n<figure id=\"attachment_999978225\" aria-describedby=\"caption-attachment-999978225\" style=\"width: 643px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999978225 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-1.png\" alt=\"What is a payment plan? \" width=\"643\" height=\"296\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-1.png 643w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-1-300x138.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-1-18x8.png 18w\" sizes=\"(max-width: 643px) 100vw, 643px\" \/><figcaption id=\"caption-attachment-999978225\" class=\"wp-caption-text\">Formula for calculating Current Ratio<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Meaning:<\/strong>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>&gt; 1<\/b><span style=\"font-weight: 400;\">: Current assets exceed current liabilities, showing good debt servicing ability and stable financial situation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>&lt; 1<\/b><span style=\"font-weight: 400;\">: Short-term debt exceeds short-term assets, may have difficulty in paying debt, financial risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Too high<\/b><span style=\"font-weight: 400;\">: May indicate inefficient use of short-term assets or liabilities, or failure to reinvest in production\/business.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Advantage:<\/strong> Easy to understand and calculate, forecast financial risks, measure solvency.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Disadvantages:<\/strong>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Does not provide details on the true liquidity of assets (inventory is difficult to convert).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">No consideration for profitability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Affected by depreciation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">No distinction is made between combined and uncombined current assets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">May not reflect properly if receivables are uncollectible or inventory is of poor quality.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Can be formed from long-term debt or equity, not just short-term debt.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"He_so_thanh_toan_nhanh_Quick_Ratio_Acid-Test_Ratio\"><\/span><b>Quick Ratio \/ Acid-Test Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Concept:<\/strong> Measures the ability to immediately pay financial obligations without assistance from the sale of inventories.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Recipe<\/strong>: <\/span><b>Quick Ratio = (Total Current Assets \u2013 Assets Not Easily Converted to Cash (Inventories)) \/ Total Current Liabilities<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_999978226\" aria-describedby=\"caption-attachment-999978226\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999978226\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2.webp\" alt=\"What is the payment plan 2?\" width=\"1200\" height=\"459\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2.webp 2560w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-300x115.webp 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-1024x392.webp 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-768x294.webp 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-1536x587.webp 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-2048x783.webp 2048w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-2-18x7.webp 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999978226\" class=\"wp-caption-text\">Formula for calculating Quick Ratio \/ Acid-Test Ratio<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Meaning:<\/strong>\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Measures immediate liquidity using only cash and cash equivalents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Reflects the ability to manage financial risks: Higher ratios indicate good financial management, maintaining liquidity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Important indicators for investors and borrowers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Optimal ratio<\/b><span style=\"font-weight: 400;\">: Usually <\/span><b>1:1<\/b><span style=\"font-weight: 400;\">.<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><b>&gt; 1<\/b><span style=\"font-weight: 400;\">: The business has the ability to quickly pay short-term obligations without using inventory, is flexible and stable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><b>&lt; 1<\/b><span style=\"font-weight: 400;\">: Businesses may encounter difficulties, risk having to sell inventory early, high financial risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><b>Too high<\/b><span style=\"font-weight: 400;\">: May indicate that the business is holding too much cash or liquid assets, not investing effectively in business operations.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Advantage:<\/strong> Considers current assets that can be quickly converted into cash, a higher measure of liquidity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Disadvantages<\/strong> May be hampered by lack of quick assets, lack of overview of long-term financial situation.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"He_so_thanh_toan_tuc_thoi_Cash_Ratio\"><\/span><b>Cash Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Concept:<\/strong> Is a financial indicator that reflects the ability of a business to immediately use cash and cash equivalents (such as bank deposits, short-term highly liquid securities) to pay all short-term debts at a given time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Recipe:\u00a0<\/strong> <\/span><b>Cash Ratio = (Cash and cash equivalents) \/ Total current liabilities<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_999978227\" aria-describedby=\"caption-attachment-999978227\" style=\"width: 960px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999978227 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-3.webp\" alt=\"What is a payment plan? \" width=\"960\" height=\"640\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-3.webp 960w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-3-300x200.webp 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-3-768x512.webp 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-3-18x12.webp 18w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><figcaption id=\"caption-attachment-999978227\" class=\"wp-caption-text\">Formula for calculating Cash Ratio<\/figcaption><\/figure>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Meaning:<\/strong> Indicates the ability to pay off debt immediately with cash only. The higher the ratio \u2192 the stronger the liquidity, but too high shows that capital has not been invested to generate profit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Advantage:<\/strong> Instant, simple and easy to understand credit assessment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Disadvantages:<\/strong> Does not consider other assets that can be converted to cash, does not reflect profitability.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"He_so_thanh_toan_lai_vay_Interest_Coverage_Ratio\"><\/span><b>Interest Coverage Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><b>Concept<\/b><span style=\"font-weight: 400;\">: Measures a company&#039;s ability to pay interest and annual debt payments from earnings or cash flow.<\/span><\/li>\n<li aria-level=\"1\"><b>Recipe<\/b><span style=\"font-weight: 400;\">: <\/span><b>Interest Coverage Ratio = Earnings before interest and taxes (EBIT) \/ Annual interest expense<\/b><\/li>\n<\/ul>\n<figure id=\"attachment_999978228\" aria-describedby=\"caption-attachment-999978228\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999978228\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4.webp\" alt=\"What is a payment plan?\" width=\"1200\" height=\"480\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4.webp 2120w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-300x120.webp 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-1024x410.webp 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-768x307.webp 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-1536x614.webp 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-2048x819.webp 2048w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-4-18x7.webp 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999978228\" class=\"wp-caption-text\">Formula for calculating Interest Coverage Ratio<\/figcaption><\/figure>\n<ul>\n<li aria-level=\"1\"><b>Meaning<\/b><span style=\"font-weight: 400;\">:<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>&gt; 1<\/b><span style=\"font-weight: 400;\">: The business generates enough income to pay interest expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>&lt; 1<\/b><span style=\"font-weight: 400;\">: The business does not generate enough income to pay interest on loans, the financial risk is great, and can lead to bankruptcy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assess the safety level of the enterprise in meeting interest debt, measure financial stability and financial reserve level. This is an index that Banks\/Credit Institutions are particularly interested in when evaluating loan applications.<br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Aim to improve financial performance if the index is low.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limit<\/b><span style=\"font-weight: 400;\">: Does not consider changes in assets and liabilities, does not consider non-current assets that can be converted to cash.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Rui_ro_va_han_che_cot_loi_Vi_sao_he_so_thanh_toan_co_the_%E2%80%98dep_tren_giay_to_nhung_tien_that_khong_co\"><\/span>Core Risks and Limitations: Why Can a Payout Ratio Look Good on Paper but Not in Real Money?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although the payment ratio is an important tool to evaluate the financial health of a business, there are still misconceptions when analyzing the results. Many people often think that the payment ratio is &quot;high is good, low is bad&quot;, but the reality is more complicated than that. Understanding the true nature of the payment ratio will help investors and managers more easily determine the financial capacity of the business.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some of the challenges &amp; opportunities when using payout ratios for valuation:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Challenge<\/b><span style=\"font-weight: 400;\">:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Short-term reflection only: <\/b><span style=\"font-weight: 400;\">Indexes such as Current Ratio, Quick Ratio... only measure the ability to pay. <\/span><b>short term debt<\/b><span style=\"font-weight: 400;\">, does not fully reflect long-term financial health.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Easy to be &quot;deceived&quot;: <\/b><span style=\"font-weight: 400;\">Current assets may include bad receivables or illiquid inventory \u2192 make the ratio look good on paper but there is no real cash.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Regardless of capital efficiency:<\/b>\u00a0Too high a ratio, for example a Current Ratio above 4, may signal Capital Tipping or Poor Inventory Turnover, indicating suboptimal asset utilization.<b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Depends on the industry: <\/b><span style=\"font-weight: 400;\">Each industry has a different standard. A ratio of 1.1 may be acceptable for the Retail\/Supermarket industry (due to fast cash flow) but is a big risk for the Industrial Manufacturing industry (requiring large working capital and inventories).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Vulnerable to data manipulation: <\/b><span style=\"font-weight: 400;\">Businesses can \u201cbeautify\u201d short-term financial reports (collect debts urgently, delay payments, etc.) to increase the coefficient at the time of reporting.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Opportunity<\/b><span style=\"font-weight: 400;\">:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Quick financial assessment tool: <\/b><span style=\"font-weight: 400;\">Just by looking at the coefficient, managers, investors, and creditors can immediately estimate the ability to pay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Early warning of risk: <\/b><span style=\"font-weight: 400;\">A persistently low ratio signals that the business is having cash flow difficulties \u2192 helping to detect problems early for handling.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Build trust with investors &amp; banks: <\/b><span style=\"font-weight: 400;\">A reasonable payment ratio proves that the business has a safe financial foundation, can easily raise capital or receive credit incentives.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Management decision support: <\/b><span style=\"font-weight: 400;\">Help leaders consider increasing working capital, <a href=\"https:\/\/bizzi.vn\/quy-trinh-quan-ly-cong-no\/\">debt management<\/a>, optimize inventory to improve cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Combine with other indicators for comprehensive assessment: <\/b><span style=\"font-weight: 400;\">When combined with profitability, operating efficiency, and financial leverage, the liquidity ratio becomes an important piece in the overall financial health picture.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cach_ke_toan_va_quan_ly_toi_uu_hoa_he_so_thanh_toan_la_gi\"><\/span><b>What is the accounting and management method for optimizing the payment ratio?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Optimizing and closely managing the payment ratio is a key factor to ensure financial sustainability, both maintaining reputation and creating a foundation for long-term growth. From the perspective of managers and accountants, below are some suggestions to contribute to optimizing these financial ratios:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Doi_voi_Ban_lanh_dao_CFO_hay_CEO\"><\/span><b>For the Board of Directors, CFO or CEO<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The board of directors, especially the CFO\/CEO, not only plays the role of a supervisor but also a strategic decision maker, helping to improve the payment ratio proactively, sustainably, and in line with the development orientation of the business.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maintain a reasonable level of cash reserves:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Do not let Cash Ratio get too low (risk of default).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Not too high (idle money does not generate profit).<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Increase actual revenue and profit:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Boost sales, expand market.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Focus on products\/services with fast cash flow.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restructuring short-term and long-term debt:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Convert part of short-term debt into long-term debt to reduce immediate payment pressure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use bank credit or credit lines to balance.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible investment:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Deposit idle money into highly liquid channels (short-term deposits, certificates of deposit).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ensure liquidity and generate profits instead of leaving money lying around.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Application of financial management technology:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use <\/span><a href=\"https:\/\/bizzi.vn\/top-10-phan-mem-quan-ly-tai-chinh-doanh-nghiep\/\"><span style=\"font-weight: 400;\">financial management software<\/span><\/a><span style=\"font-weight: 400;\"> like <\/span><b>Bizzi, Misa, Odoo<\/b><span style=\"font-weight: 400;\"> for realtime monitoring.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Helps forecast cash flow and make quick decisions, reducing the risk of shortage.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Doi_voi_bo_phan_ke_toan\"><\/span><b>For the accounting department<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Accountants are considered the \u201ckeepers\u201d of financial data, so they can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tight cash flow management:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Prepare cash flow statements regularly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Forecast short-term income and expenses to avoid shortages.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shorten time <\/b><a href=\"https:\/\/bizzi.vn\/thu-hoi-cong-no-la-gi-quy-trinh-thu-hoi-cong-no-hieu-qua-cho-doanh-nghiep\/\"><b>debt collection<\/b><\/a><b> (Accounts Receivable):<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Track payment deadlines and remind customers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Apply early payment discount.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Control expenses &amp; accounts payable:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Negotiate extended payment terms with suppliers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Classify your debts to prioritize paying off important ones.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accurately record and classify assets:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ensure cash and cash equivalents are accounted for correctly (not mixed with less liquid items).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Monitor inventory to avoid capital being &quot;dead&quot; in poorly turned goods.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Toi_uu_von_luu_dong_va_cai_thien_he_so_thanh_toan_bang_tu_dong_hoa_Bizzivn_Expertise_Node\"><\/span>Optimize working capital and improve payment ratios with Bizzi.vn automation (Expertise Node)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Faced with the challenges of using payment ratios to assess the financial health of a business, applying cost and financial management automation solutions simultaneously is a smart choice to address the above limitations. Not only does it help businesses track financial data transparently and accurately, but technology software also plays a proactive role in improving payment indicators.<\/span><\/p>\n<p>Among the current financial management software, Bizzi.vn is a prominent and powerful tool that helps businesses improve their financial health and optimize payment ratios through automating core processes, ensuring liquidity and maintaining competitive advantages. Bizzi provides solutions:<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_999978229\" aria-describedby=\"caption-attachment-999978229\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999978229\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-scaled.png\" alt=\"What is a payment plan?\" width=\"1200\" height=\"779\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-scaled.png 2560w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-300x195.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-1024x665.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-768x499.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-1536x997.png 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-2048x1330.png 2048w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/he-so-thanh-toan-la-gi-5-18x12.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999978229\" class=\"wp-caption-text\"><span style=\"font-size: 12pt;\">Bizzi is a comprehensive digital solution that helps businesses manage the entire spending &amp; work process in just one platform.<\/span><\/figcaption><\/figure>\n<p>Among the current financial management software, Bizzi.vn is a prominent and powerful tool that helps businesses improve their financial health and optimize payment ratios through automating core processes, ensuring liquidity and maintaining competitive advantages. Bizzi provides solutions:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive cost control system<\/b><span style=\"font-weight: 400;\">: AI assistant for finance and accounting departments to automate revenue and expenditure processes and is a platform that integrates 30+ features to streamline and automate cost management, debt collection and B2B payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Processing and managing input invoices (IPA + 3-way matching)<\/b><span style=\"font-weight: 400;\">: Automatically process, check, reconcile invoices with PO and GR, verify suppliers, alert on risky invoices, integrate API with ERP &amp; Accounting. This helps to tightly control payables, ensure accurate short-term debt figures, thereby helping to calculate payment indexes more effectively.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business expense management (<a href=\"https:\/\/bizzi.vn\/quan-ly-chi-phi\/\">Bizzi Expense<\/a>)<\/b><span style=\"font-weight: 400;\">: Set up budgets, monitor expenses, automatic approval systems, real-time expense tracking, expense reports, spending policies and over-budget alerts. Help businesses manage short-term expenses well, keep cash and highly liquid assets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business Travel Management (Bizzi Travel)<\/b><span style=\"font-weight: 400;\">: Automatic flight booking, business expense management, spending limits, approval process. Helps control unexpected expenses, directly affecting cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Electronic invoice (B-invoice)<\/b><span style=\"font-weight: 400;\">: Create, manage, store, and look up electronic invoices. Ensure transparency and accuracy of transactions, contributing to cash flow tracking.<\/span><\/li>\n<\/ul>\n<p>Solutions like Bizzi help increase cash and cash equivalents (components of Cash Ratio) by automating Accounts Receivable (A\/R) reconciliation and payments, shortening the collection cycle. At the same time, tight control<a href=\"https:\/\/bizzi.vn\/hoa-don-dau-vao-la-gi-tiet-lo-cach-quan-ly-hoa-don-dau-vao-toi-uu-va-hieu-qua\/\"><strong> input invoices<\/strong><\/a> and Accounts Payable (A\/P) helps manage short-term debt accurately. Business expense management (Bizzi Expense) also helps businesses optimize short-term costs, ensuring cash flow is always at an optimal level.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><b>Conclude<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In short, if liquidity ratios are the Life and Death indicators of liquidity, then ignoring real-time data from automated platforms like Bizzi is the biggest cash flow management risk for CFOs in volatile markets. It is important to combine the analysis of these metrics with other financial metrics and the overall business context to get a comprehensive view and make accurate decisions.<\/p>\n<p><span style=\"font-weight: 400;\">Simultaneously applying cost and financial management automation solutions such as Bizzi.vn is a powerful tool that helps businesses not only monitor but also proactively improve payment indicators, optimize operational performance and minimize financial risks in an uncertain business environment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To get advice on suitable solutions and experience all the features of Bizzi, register to make an appointment here:\u00a0 <\/span><a href=\"https:\/\/bizzi.vn\/dat-lich-demo\/\"><span style=\"font-weight: 400;\">https:\/\/bizzi.vn\/dat-lich-demo<\/span><\/a><span style=\"font-weight: 400;\">\/<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>According to financial experts at Bizzi.vn \u2013 the leading B2B financial automation platform, Liquidity Ratio is\u2026<\/p>","protected":false},"author":56,"featured_media":999978224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[76,372],"tags":[],"class_list":["post-999978223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-goc-nhin-cfo","category-thanh-toan"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/users\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/comments?post=999978223"}],"version-history":[{"count":6,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978223\/revisions"}],"predecessor-version":[{"id":999978990,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978223\/revisions\/999978990"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media\/999978224"}],"wp:attachment":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media?parent=999978223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/categories?post=999978223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/tags?post=999978223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}