{"id":13660,"date":"2018-03-20T22:41:45","date_gmt":"2018-03-20T15:41:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13660"},"modified":"2022-03-15T22:44:38","modified_gmt":"2022-03-15T15:44:38","slug":"2-044-nan-giai-cuoc-chien-thanh-toan-tien-ban","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-044-nan-giai-cuoc-chien-thanh-toan-tien-ban\/","title":{"rendered":"2.044. Nan gi\u1ea3i cu\u1ed9c chi\u1ebfn thanh to\u00e1n \u201cti\u1ec1n b\u1ea9n\u201d."},"content":{"rendered":"<strong>(KTVN) &#8211; Ng\u00e2n h\u00e0ng v\u00e0 c\u1ed5ng thanh to\u00e1n ng\u00e2n h\u00e0ng hi\u1ec7n nay tr\u1edf th\u00e0nh con \u0111\u01b0\u1eddng chuy\u1ec3n ti\u1ec1n nhanh, hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u00e1c h\u00e0nh vi phi ph\u00e1p c\u1ee7a t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao&#8230;<\/strong><\/p>\n<p>Vi\u1ec7c ng\u0103n chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n t\u1eeb c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0 kh\u00f3 nh\u01b0ng kh\u00f4ng ph\u1ea3i kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-13661 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-15-at-22.44.20-450x276.png\" alt=\"\" width=\"450\" height=\"276\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-15-at-22.44.20-450x276.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-15-at-22.44.20.png 607w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><strong>M\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao g\u1ea7n \u0111\u00e2y cho th\u1ea5y, c\u1ed5ng thanh to\u00e1n c\u1ee7a m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh m\u1ed9t m\u1eaft x\u00edch v\u00f4 t\u00ecnh \u0111\u1ec3 b\u1ecdn t\u1ed9i ph\u1ea1m chuy\u1ec3n ti\u1ec1n.<\/strong><\/p>\n<p>Th\u1ef1c t\u1ebf, vi\u1ec7c chuy\u1ec3n ti\u1ec1n cho nhau t\u1eeb c\u00e1c h\u00e0nh vi phi ph\u00e1p nh\u01b0 \u0111\u00e1nh b\u1ea1c, ch\u01a1i \u0111i\u1ec7n t\u1eed qua m\u1ea1ng \u0103n ti\u1ec1n (game online), mua b\u00e1n h\u00e0ng ho\u00e1 d\u1ecbch v\u1ee5 phi ph\u00e1p th\u00f4ng qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 c\u00f3 th\u1eadt.<\/p>\n<p>Tuy nhi\u00ean, s\u1ef1 vi\u1ec7c ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n khi c\u01a1 quan \u0111i\u1ec1u tra c\u00f4ng b\u1ed1 th\u00f4ng qua c\u00e1c v\u1ee5 \u00e1n.<\/p>\n<p><strong>Kh\u00f3 nh\u01b0ng v\u1eabn ch\u1ed1ng \u0111\u01b0\u1ee3c<\/strong><\/p>\n<p><em>Ph\u00e2n t\u00edch v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft, vi\u1ec7c ng\u0103n chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n t\u1eeb c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0 kh\u00f3.\u00a0<\/em><\/p>\n<p><em>V\u00ed d\u1ee5, A chuy\u1ec3n ti\u1ec1n cho B th\u00f4ng qua ch\u01a1i c\u1edd b\u1ea1c tr\u1ef1c tuy\u1ebfn th\u00f4ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ea5y l\u00fd do l\u00e0 mua b\u00e1n h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 h\u1ee3p ph\u00e1p th\u00ec ng\u00e2n h\u00e0ng \u0111\u00e0nh ch\u1ecbu.\u00a0<\/em><\/p>\n<p><em>&#8220;Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 l\u00e2n la d\u00f2 h\u1ecfi kh\u00e1ch h\u00e0ng l\u00fd do th\u1ef1c t\u1ebf chuy\u1ec3n ti\u1ec1n l\u00e0 g\u00ec v\u00ec c\u00f3 th\u1ec3 b\u1ecb kh\u00e1ch h\u00e0ng t\u1ea9y chay v\u00e0 m\u1ea5t m\u1ed1i l\u00e0m \u0103n. Nh\u01b0ng \u0111\u1eebng ngh\u0129 v\u1eady m\u00e0 ch\u1ed1i b\u1ecf tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh, khi mu\u1ed1n, ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng an c\u00f3 th\u1ec3 minh b\u1ea1ch d\u00f2ng ti\u1ec1n \u0111\u00e1ng ng\u1edd&#8221;, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p><em>Theo \u00f4ng, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 kh\u00f4ng nghi ng\u1edd \u0111\u1ec3 l\u00e0m r\u00f5 s\u1ef1 th\u1eadt, ho\u1eb7c ch\u00ed \u00edt l\u00e0 ph\u1ed1i h\u1ee3p v\u1edbi c\u01a1 quan c\u00f4ng an khi m\u00e0 kh\u00e1ch h\u00e0ng chuy\u1ec3n ti\u1ec1n h\u00e0ng ch\u1ee5c h\u00e0ng tr\u0103m t\u1ef7, ho\u1eb7c c\u1ea3 h\u00e0ng ngh\u00ecn t\u1ef7 nh\u01b0 v\u1ee5 \u0111\u00e1nh b\u1ea1c c\u1ee7a Phan S\u00e0o Nam v\u1eeba qua.<\/em><\/p>\n<p><em>Hay nh\u01b0, kh\u00e1ch h\u00e0ng A kh\u00f4ng m\u1edf c\u00e1c \u0111\u0103ng k\u00fd d\u1ecbch v\u1ee5 kinh doanh c\u00f3 d\u00f2ng ti\u1ec1n l\u1edbn m\u00e0 l\u1ea1i c\u00f3 bao nhi\u00eau ng\u01b0\u1eddi (B,C,D&#8230;) n\u1ed9p ti\u1ec1n cho A th\u00ec ph\u1ea3i nghi ng\u1edd v\u00e0 ngh\u0129 c\u00e1ch \u0111\u1ec3 x\u00e1c minh hay tr\u00ecnh b\u00e1o c\u01a1 quan ch\u1ee9c n\u0103ng.<\/em><\/p>\n<p><em>Trong \u0111\u00e0o t\u1ea1o ch\u1ed1ng r\u1eeda ti\u1ec1n (nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng s\u1ed1 1 ph\u1ea3i h\u1ecdc), c\u00f3 \u0111\u01b0a ra v\u00ed d\u1ee5: A b\u00e1n b\u00e1nh bao, d\u00f2ng ti\u1ec1n thu nh\u1eadp \u0111\u1ec1u \u0111\u1eb7n l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y, b\u1ed7ng d\u01b0ng c\u00f3 ng\u00e0y doanh s\u1ed1 giao d\u1ecbch v\u1ecdt l\u00ean g\u1ea5p 10 hay 20 l\u1ea7n, \u0111\u00f3 ch\u00ednh l\u00e0 th\u00f4ng tin g\u00e2y nghi ng\u1edd v\u00e0 b\u00e1o c\u00e1o xem x\u00e9t chi ti\u1ebft.\u00a0<\/em><\/p>\n<p><em>Th\u1eadm ch\u00ed, nh\u01b0 th\u1ebf n\u00e0o l\u00e0 kh\u00e1i ni\u1ec7m &#8220;d\u00f2ng ti\u1ec1n b\u1ea5t th\u01b0\u1eddng&#8221; \u0111\u1ec1u \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u1ea5t r\u00f5 trong qu\u00e1 tr\u00ecnh \u0111\u00e0o t\u1ea1o v\u00e0 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 r\u00e0ng trong Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt n\u00e0y.<\/em><\/p>\n<p><em>Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, c\u00f3 m\u1ed9t v\u1ea5n \u0111\u1ec1 t\u1ebf nh\u1ecb l\u00e0 ng\u00e2n h\u00e0ng ho\u1eb7c trung gian thanh to\u00e1n s\u1ee3 b\u1ecb m\u1ea5t kh\u00e1ch n\u00ean c\u00f3 th\u1ec3 l\u1edd \u0111i, \u0111\u1ebfn \u0111\u00e2u hay \u0111\u1ebfn \u0111\u00f3. C\u1ee5 th\u1ec3, c\u00f3 th\u1ec3 l\u00e0 ph\u00e1p nh\u00e2n chuy\u1ec3n ti\u1ec1n nghi ng\u1edd v\u1ec1 m\u1ed9t ho\u1eb7c nhi\u1ec1u giao d\u1ecbch nh\u01b0ng v\u00ec mu\u1ed1n gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng n\u00ean b\u1ecf qua.<\/em><\/p>\n<p><em>&#8220;Th\u00f4ng t\u01b0 35\/2013\/TT-NHNN ng\u00e0y \u00a031\/12\/2013 v\u00e0 31\/2014\/TT-NHNN ng\u00e0y 11\/11\/2014\u00a0 v\u1ec1 h\u01b0\u1edbng d\u1eabn nh\u1eadn bi\u1ebft v\u00e0 c\u1eadp nh\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng tr\u00ean c\u01a1 s\u1edf r\u1ee7i ro ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n \u0111\u00e3 \u0111\u1ec1 c\u1eadp v\u1ea5n \u0111\u1ec1 n\u00e0y r\u1ea5t k\u1ef9.\u00a0<\/em><\/p>\n<p><em>N\u00f3i chung l\u00e0 khung kh\u1ed5 ph\u00e1p l\u00fd \u1edf ph\u1ea7n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n l\u00e0 c\u00f3 c\u1ea3. H\u00e0ng ng\u00e0y c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y \u0111\u1ec1u b\u00e1o c\u00e1o C\u1ee5c Ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n. V\u1ea5n \u0111\u1ec1 l\u00e0 ph\u1ea3i l\u00e0m \u0111\u1ebfn n\u01a1i \u0111\u1ebfn ch\u1ed1n&#8221;, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n<p><strong>Th\u1eaft ch\u1eb7t theo quy \u0111\u1ecbnh<\/strong><\/p>\n<p>Theo m\u1ed9t l\u00e3nh \u0111\u1ea1o c\u1ea5p v\u1ee5 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, s\u1eafp t\u1edbi, c\u01a1 quan qu\u1ea3n l\u00fd s\u1ebd s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 101 v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 Th\u00f4ng t\u01b0 39 v\u1ec1 trung gian thanh to\u00e1n, s\u1ebd quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee5 th\u1ec3 c\u1ee7a trung gian thanh to\u00e1n, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u00a0trong vi\u1ec7c r\u00e0 so\u00e1t kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 th\u00f4ng tin ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p; y\u00eau c\u1ea7u h\u1ecd ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng phi ph\u00e1p kh\u00e1c trong Lu\u1eadt H\u00ecnh s\u1ef1&#8230; nh\u01b0 l\u00e0 ch\u01a1i c\u1edd b\u1ea1c tr\u1ef1c tuy\u1ebfn.<\/p>\n<p>Theo \u00f4ng n\u00e0y, th\u1eaft ch\u1eb7t h\u01a1n quy \u0111\u1ecbnh theo th\u00f4ng l\u1ec7 t\u1ed1t nh\u1ea5t kh\u00f4ng c\u00f3 ngh\u0129a s\u1ebd th\u1eaft ch\u1eb7t \u0111i\u1ec1u ki\u1ec7n kinh doanh m\u00e0 ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c quy tr\u00ecnh ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u1edf t\u1eebng t\u1ed5 ch\u1ee9c ch\u1eb7t ch\u1ebd v\u00e0 khoa h\u1ecdc h\u01a1n.<\/p>\n<p>C\u1ee5 th\u1ec3, s\u1ebd c\u00f3 quy \u0111\u1ecbnh \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng qu\u1ea3n tr\u1ecb r\u1ee7i ro, y\u00eau c\u1ea7u r\u00e0 so\u00e1t kh\u00e1ch h\u00e0ng \u0111\u1eb7c bi\u1ec7t tr\u01b0\u1edbc v\u00e0 sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 gi\u1eefa \u0111\u1ed1i t\u00e1c v\u00e0 ng\u00e2n h\u00e0ng hay trung gian thanh to\u00e1n; \u0111\u1ea3m b\u1ea3o c\u00e1c \u0111\u1ed1i t\u00e1c k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi ng\u00e2n h\u00e0ng ph\u1ea3i l\u00e0 ch\u1ee7 th\u1ec3 kinh doanh h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 h\u1ee3p ph\u00e1p.<\/p>\n<p>Ngo\u00e0i ra, theo \u00f4ng Nguy\u1ec5n \u0110\u0103ng H\u00f9ng, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c\u00a0Napas, trong m\u1ed9t b\u00e0i vi\u1ebft t\u1ea1i h\u1ed9i th\u1ea3o cu\u1ed1i n\u0103m 2017, \u00f4ng H\u00f9ng c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 l\u00e0 Vi\u1ec7t Nam ph\u1ea3i ph\u00e1t tri\u1ec3n nhanh h\u1ec7 th\u1ed1ng thanh to\u00e1n b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed c\u00e1c giao d\u1ecbch b\u00e1n l\u1ebb (ACH).<\/p>\n<p>Theo \u0111\u00f3, ACH s\u1ebd t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng x\u1eed l\u00fd c\u00e1c giao d\u1ecbch b\u00e1n l\u1ebb theo l\u00f4, th\u1eddi gian th\u1ef1c, h\u1ed7 tr\u1ee3 \u0111a k\u00eanh, \u0111a ph\u01b0\u01a1ng ti\u1ec7n, \u0111a ti\u1ec1n t\u1ec7, th\u1eddi gian 24\/7, \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ebd s\u1eed d\u1ee5ng tin \u0111i\u1ec7n theo chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf (ISO 20022) \u0111\u1ec3 h\u1ed9i nh\u1eadp thanh to\u00e1n qu\u1ed1c t\u1ebf.<\/p>\n<p>H\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 x\u1eed l\u00fd b\u00f9 tr\u1eeb kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn c\u00e1c giao d\u1ecbch b\u00e1n l\u1ebb cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trung gian thanh to\u00e1n, doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n.<\/p>\n<p>Ngo\u00e0i ra, h\u1ec7 th\u1ed1ng ACH c\u00f2n gi\u00fap ho\u00e0n thi\u1ec7n h\u1ea1 t\u1ea7ng thanh to\u00e1n theo xu h\u01b0\u1edbng t\u1eadp trung, hi\u1ec7u qu\u1ea3, an to\u00e0n, \u0111\u00e1ng tin c\u1eady v\u00e0 s\u1ebd l\u00e0 n\u1ec1n t\u1ea3ng cho c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<p>&#8220;Ngo\u00e0i nh\u1eefng l\u1ee3i \u00edch v\u1ec1 t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5, h\u1ec7 th\u1ed1ng ACH c\u00f2n h\u1ed7 tr\u1ee3 vi\u1ec7c qu\u1ea3n l\u00fd t\u1eadp trung, hi\u1ec7u qu\u1ea3 v\u00e0 to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n b\u00e1n l\u1ebb, \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o h\u1ea1n ch\u1ebf r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n&#8221;, \u00f4ng H\u00f9ng nh\u1ea5n m\u1ea1nh.<\/p>\n<p><a href=\"http:\/\/vneconomy.vn\/tim-kiem-tac-gia\/nguyen-hoai.htm\">NGUY\u1ec4N HO\u00c0I<\/a><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><strong><em>TB Kinh t\u1ebf Vi\u1ec7t Nam (T\u00e0i ch\u00ednh) 20-3-2018:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/vneconomy.vn\/nan-giai-cuoc-chien-thanh-toan-tien-ban-20180320010409949.htm\"><em>http:\/\/vneconomy.vn\/nan-giai-cuoc-chien-thanh-toan-tien-ban-20180320010409949.htm<\/em><\/a><\/p>\n<p><em>(480\/1.127)<\/em>","protected":false},"excerpt":{"rendered":"<p>(KTVN) &#8211; Ng\u00e2n h\u00e0ng v\u00e0 c\u1ed5ng thanh to\u00e1n ng\u00e2n h\u00e0ng hi\u1ec7n nay tr\u1edf th\u00e0nh con \u0111\u01b0\u1eddng chuy\u1ec3n ti\u1ec1n nhanh, hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u00e1c h\u00e0nh vi phi ph\u00e1p c\u1ee7a t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao&#8230; Vi\u1ec7c ng\u0103n chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n t\u1eeb c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0 kh\u00f3 nh\u01b0ng kh\u00f4ng ph\u1ea3i kh\u00f4ng l\u00e0m [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":13661,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.044. 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