{"id":23549,"date":"2019-12-13T16:21:41","date_gmt":"2019-12-13T09:21:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23549"},"modified":"2022-06-09T21:56:58","modified_gmt":"2022-06-09T14:56:58","slug":"2-402-thac-mac-khai-niem-tien-di-dong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-402-thac-mac-khai-niem-tien-di-dong\/","title":{"rendered":"2.402. Th\u1eafc m\u1eafc kh\u00e1i ni\u1ec7m \u201cti\u1ec1n di d\u1ed9ng\u201d"},"content":{"rendered":"<strong>(\u0110TCK) &#8211; Sau h\u01a1n 6 n\u0103m tri\u1ec3n khai, Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 b\u1ed9c l\u1ed9 b\u1ea5t c\u1eadp n\u00ean c\u1ea7n \u0111\u01b0\u1ee3c ch\u1ec9nh s\u1eeda\u00a0\u0111\u1ec3 \u0111\u01b0a ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n n\u00e0y th\u1ef1c s\u1ef1 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng.<\/strong><\/p>\n<p><strong>Nh\u1eefng kh\u00e1i ni\u1ec7m c\u1ea7n s\u1eeda \u0111\u1ed5i<\/strong><\/p>\n<p>B\u00e0 Tr\u01b0\u01a1ng C\u1ea9m Thanh, Ch\u1ee7 t\u1ecbch Zalo Pay chia s\u1ebb, Kho\u1ea3n 13, \u0110i\u1ec1u 3 &#8211; d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) c\u00f3 n\u1ed9i dung: Ti\u1ec1n di \u0111\u1ed9ng (mobile money) l\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed do t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kinh doanh d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u00e1t h\u00e0nh v\u00e0 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u01a1 s\u1edf d\u1eef li\u1ec7u thu\u00ea bao di \u0111\u1ed9ng.<\/p>\n<p>\u201c\u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m b\u1ea5t c\u1eadp, ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi Kho\u1ea3n 10, \u0110i\u1ec1u 3 c\u1ee7a d\u1ef1 th\u1ea3o. Ti\u1ec1n di \u0111\u1ed9ng tr\u01b0\u1edbc ti\u00ean l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n. N\u1ebfu ti\u1ec1n di \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111\u1ecbnh danh b\u1edfi c\u01a1 s\u1edf d\u1eef li\u1ec7u thu\u00ea bao di \u0111\u1ed9ng, th\u00ec ti\u1ec1n di \u0111\u1ed9ng c\u00f3 ph\u1ea3i tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n? Quy \u0111\u1ecbnh tu\u00e2n th\u1ee7 nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng theo ph\u00e1p lu\u1eadt ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n?\u201d, b\u00e0 Thanh n\u00eau c\u00e2u h\u1ecfi.<\/p>\n<p>C\u00f2n theo \u0111\u1ea1i di\u1ec7n Techcombank, v\u1edbi \u0111\u1ecbnh ngh\u0129a n\u00e0y th\u00ec r\u00f5 r\u00e0ng ti\u1ec1n di \u0111\u1ed9ng l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i\/h\u00ecnh th\u1ee9c ti\u1ec1n t\u1ec7, m\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t \u0111\u1ea1i l\u01b0\u1ee3ng th\u1ec3 hi\u1ec7n\/th\u01b0\u1edbc \u0111o gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n t\u1ec7 l\u01b0u tr\u1eef tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed.<\/p>\n<p>V\u00e0 n\u1ebfu ch\u1ec9 l\u00e0 th\u01b0\u1edbc \u0111o gi\u00e1 tr\u1ecb th\u00ec t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n hay b\u1ea5t c\u1ee9 t\u1ed5 ch\u1ee9c n\u00e0o kh\u00e1c c\u0169ng kh\u00f4ng th\u1ec3 \u201cph\u00e1t h\u00e0nh\u201d \u0111\u01b0\u1ee3c ti\u1ec1n di \u0111\u1ed9ng nh\u01b0 n\u00eau trong d\u1ef1 th\u1ea3o.<\/p>\n<p>\u0110\u1ec3 l\u00e0m r\u00f5 h\u01a1n kh\u00e1i ni\u1ec7m ti\u1ec1n di \u0111\u1ed9ng, Techombank \u0111\u1ec1 xu\u1ea5t Ban so\u1ea1n th\u1ea3o c\u1ea7n l\u00e0m r\u00f5 m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi: Ti\u1ec1n di \u0111\u1ed9ng c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 hay kh\u00f4ng?<\/p>\n<p>C\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kinh doanh d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u00e1t h\u00e0nh ti\u1ec1n di \u0111\u1ed9ng theo c\u01a1 ch\u1ebf, c\u00e1ch th\u1ee9c n\u00e0o? C\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n di \u0111\u1ed9ng?<\/p>\n<p>\u201cBan so\u1ea1n th\u1ea3o c\u1ea7n s\u1eeda \u0111\u1ed5i l\u1ea1i d\u1ef1 th\u1ea3o theo h\u01b0\u1edbng quy \u0111\u1ecbnh r\u00f5 ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong thanh to\u00e1n h\u1ee3p ph\u00e1p \u1edf Vi\u1ec7t Nam ph\u1ea3i l\u00e0 ti\u1ec1n \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a t\u1eeb ti\u1ec1n \u0111\u1ed3ng v\u00e0 vi\u1ec7c ph\u00e1t h\u00e0nh ph\u1ea3i th\u00f4ng qua n\u1ed1i k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n&#8230;\u201d, \u0111\u1ea1i di\u1ec7n Techcombank g\u1ee3i \u00fd.<\/p>\n<p><em>\u0110\u1ed3ng quan \u0111i\u1ec3m, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, kh\u00e1i ni\u1ec7m \u201cti\u1ec1n di \u0111\u1ed9ng\u201d nh\u01b0 t\u1ea1i d\u1ef1 th\u1ea3o l\u00e0 ch\u01b0a r\u00f5 r\u00e0ng, d\u1ec5 g\u00e2y nh\u1ea7m l\u1eabn v\u1edbi t\u00ednh ch\u1ea5t quan tr\u1ecdng nh\u1ea5t c\u1ee7a ti\u1ec1n t\u1ec7 l\u00e0 t\u00ednh l\u01b0u th\u00f4ng hay t\u00ednh l\u01b0u \u0111\u1ed9ng, m\u00e0 v\u1ebf c\u00f2n l\u1ea1i ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 s\u1ef1 t\u01b0\u01a1ng \u1ee9ng l\u00e0 \u201cti\u1ec1n c\u1ed1 \u0111\u1ecbnh\u201d.<\/em><\/p>\n<p><em>V\u00ec v\u1eady, n\u00ean s\u1eeda \u201cti\u1ec1n di \u0111\u1ed9ng\u201d th\u00e0nh \u201cti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u00ean thu\u00ea bao di \u0111\u1ed9ng\u201d hay \u201cti\u1ec1n tr\u00ean thu\u00ea bao di \u0111\u1ed9ng\u201d \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n.<\/em><\/p>\n<p>C\u00f2n b\u00e0 Tr\u01b0\u01a1ng C\u1ea9m Thanh \u0111\u1ec1 xu\u1ea5t s\u1eeda \u0111\u1ed5i: \u201cTi\u1ec1n di \u0111\u1ed9ng l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n ghi nh\u1eadn ti\u1ec1n \u0111i\u1ec7n t\u1eed do t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kinh doanh d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng v\u00e0 t\u1ed5 ch\u1ee9c kh\u00e1c ph\u00e1t h\u00e0nh theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, h\u01b0\u1edbng d\u1eabn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 \u0111\u01b0\u1ee3c nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n\u201d.<\/p>\n<p><strong>H\u1ed3 s\u01a1 v\u1ec1 nh\u00e2n s\u1ef1: \u0110i\u1ec1u ki\u1ec7n c\u00f2n nhi\u1ec1u tranh lu\u1eadn<\/strong><\/p>\n<p>B\u00e0 Nguy\u1ec5n Minh Th\u1ea3o, Tr\u01b0\u1edfng ban M\u00f4i tr\u01b0\u1eddng kinh doanh v\u00e0 n\u0103ng l\u1ef1c c\u1ea1nh tranh, Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM) cho bi\u1ebft, \u0110i\u1ec1u 20 c\u1ee7a d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 quy tr\u00ecnh, th\u1ee7 t\u1ee5c ch\u1ea5p thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 v\u1ec1 thanh to\u00e1n kh\u00f4ng qua t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng c\u1ee7a doanh nghi\u1ec7p cung \u1ee9ng d\u1ecbch v\u1ee5 b\u01b0u ch\u00ednh c\u00f4ng \u00edch.<\/p>\n<p>Trong ph\u1ea7n v\u1ec1 h\u1ed3 s\u01a1 y\u00eau c\u1ea7u: \u201cH\u1ed3 s\u01a1 v\u1ec1 nh\u00e2n s\u1ef1: S\u01a1 y\u1ebfu l\u00fd l\u1ecbch, b\u1ea3n sao \u0111\u01b0\u1ee3c ch\u1ee9ng th\u1ef1c ho\u1eb7c b\u1ea3n sao \u0111\u01b0\u1ee3c c\u1ea5p t\u1eeb s\u1ed5 g\u1ed1c ho\u1eb7c b\u1ea3n sao k\u00e8m xu\u1ea5t tr\u00ecnh b\u1ea3n ch\u00ednh \u0111\u1ec3 \u0111\u1ed1i chi\u1ebfu c\u00e1c v\u0103n b\u1ea3n ch\u1ee9ng minh n\u0103ng l\u1ef1c, tr\u00ecnh \u0111\u1ed9 chuy\u00ean m\u00f4n nghi\u1ec7p v\u1ee5 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, t\u1ed5ng gi\u00e1m \u0111\u1ed1c (gi\u00e1m \u0111\u1ed1c), ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c (ph\u00f3 gi\u00e1m \u0111\u1ed1c) v\u00e0 c\u00e1c c\u00e1n b\u1ed9 ch\u1ee7 ch\u1ed1t th\u1ef1c hi\u1ec7n cung \u1ee9ng d\u1ecbch v\u1ee5 n\u00e0y\u201d (\u0110i\u1ec3m d, Kho\u1ea3n 2).<\/p>\n<p>\u201cC\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ed3 s\u01a1 nh\u00e2n s\u1ef1 l\u00e0 ph\u00f9 h\u1ee3p? N\u1ebfu quy \u0111\u1ecbnh nh\u01b0 t\u1ea1i d\u1ef1 th\u1ea3o s\u1ebd d\u1ec5 t\u1ea1o s\u1ef1 tu\u1ef3 \u00fd&#8230;\u201d, b\u00e0 Th\u1ea3o n\u00eau quan \u0111i\u1ec3m.<\/p>\n<p>Hay nh\u01b0 \u0110i\u1ec3m d, Kho\u1ea3n 2, \u0110i\u1ec1u 26 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n nh\u00e2n s\u1ef1: \u201cNg\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, , t\u1ed5ng gi\u00e1m \u0111\u1ed1c (gi\u00e1m \u0111\u1ed1c) c\u1ee7a t\u1ed5 ch\u1ee9c ph\u1ea3i c\u00f3 b\u1eb1ng \u0111\u1ea1i h\u1ecdc tr\u1edf l\u00ean v\u00e0 c\u00f3 \u00edt nh\u1ea5t 3 n\u0103m l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp t\u1ea1i m\u1ed9t trong c\u00e1c l\u0129nh v\u1ef1c qu\u1ea3n tr\u1ecb kinh doanh, kinh t\u1ebf, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, lu\u1eadt; ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c (ph\u00f3 gi\u00e1m \u0111\u1ed1c) v\u00e0 c\u00e1c c\u00e1n b\u1ed9 ch\u1ee7 ch\u1ed1t th\u1ef1c hi\u1ec7n \u0110\u1ec1 \u00e1n cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n (g\u1ed3m tr\u01b0\u1edfng ph\u00f2ng (ban) ho\u1eb7c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u00e0 c\u00e1c c\u00e1n b\u1ed9 k\u1ef9 thu\u1eadt) c\u00f3 b\u1eb1ng cao \u0111\u1eb3ng tr\u1edf l\u00ean v\u1ec1 m\u1ed9t trong c\u00e1c l\u0129nh v\u1ef1c kinh t\u1ebf, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, c\u00f4ng ngh\u1ec7 th\u00f4ng tin ho\u1eb7c l\u0129nh v\u1ef1c chuy\u00ean m\u00f4n \u0111\u1ea3m nhi\u1ec7m\u201d, theo b\u00e0 Th\u1ea3o, \u0111i\u1ec1u ki\u1ec7n n\u00e0y l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng c\u00f3 \u00fd ngh\u0129a v\u1ec1 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf s\u1ef1 tham gia c\u1ee7a c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 c\u00f3 \u00fd t\u01b0\u1edfng kinh doanh s\u00e1ng t\u1ea1o.<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1, b\u00e0 Th\u1ea3o b\u0103n kho\u0103n v\u1ec1 t\u00ednh c\u1ea7n thi\u1ebft li\u00ean quan t\u1edbi quy \u0111\u1ecbnh th\u00e0nh ph\u1ea7n h\u1ed3 s\u01a1 \u201cbao g\u1ed3m s\u01a1 y\u1ebfu l\u00fd l\u1ecbch c\u00e1 nh\u00e2n t\u1ef1 l\u1eadp ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ee9ng th\u1ef1c ch\u1eef k\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1ea1i \u0110i\u1ec3m c, Kho\u1ea3n 1, \u0110i\u1ec1u 30 v\u1ec1 quy tr\u00ecnh, th\u1ee7 t\u1ee5c, h\u1ed3 s\u01a1 c\u1ea5p, thu h\u1ed3i v\u00e0 c\u1ea5p l\u1ea1i gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n.<\/p>\n<p><strong>C\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh chuy\u00ean bi\u1ec7t<\/strong><\/p>\n<p>L\u00e0 ng\u01b0\u1eddi tham gia \u0111\u00f3ng g\u00f3p \u00fd ki\u1ebfn cho nhi\u1ec1u d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, b\u00e0 Nguy\u1ec5n Th\u00f9y D\u01b0\u01a1ng, Ch\u1ee7 t\u1ecbch EY Consulting Vi\u1ec7t Nam cho r\u1eb1ng, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t h\u00e0nh lanh ph\u00e1p l\u00fd kh\u00e1 ho\u00e0n ch\u1ec9nh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t nh\u01b0 hi\u1ec7n t\u1ea1i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ph\u1ea3i tr\u1ea3i qua qu\u00e1 tr\u00ecnh d\u00e0i t\u00ednh to\u00e1n, x\u00e2y d\u1ef1ng, b\u00ean c\u1ea1nh s\u1ef1 \u0111\u00f3ng g\u00f3p c\u1ee7a c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 \u0111\u01b0a ra \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01b0\u1edbng m\u1edf cho ti\u1ec1n \u0111i\u1ec7n t\u1eed n\u00f3i ri\u00eang, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t n\u00f3i chung.<\/p>\n<p>V\u00ed d\u1ee5, tr\u01b0\u1edbc \u0111\u00e2y c\u00f3 quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c thanh to\u00e1n \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p, nh\u01b0ng hi\u1ec7n nay \u0111\u00e3 b\u1ecf, hay \u0111\u01b0a th\u00eam v\u00e0o nh\u1eefng kh\u00e1i ni\u1ec7m m\u1edbi nh\u01b0 ti\u1ec1n di \u0111\u1ed9ng&#8230;<\/p>\n<p>\u00d4ng Nguy\u1ec5n B\u00e1 Di\u1ec7p, Ph\u00f3 ch\u1ee7 t\u1ecbch V\u00ed \u0111i\u1ec7n t\u1eed MoMo \u0111\u1ec1 xu\u1ea5t, d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh c\u1ea7n c\u00f3 c\u00e1c quy \u0111\u1ecbnh th\u1ed1ng nh\u1ea5t v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh cho c\u00e1c lo\u1ea1i h\u00ecnh ti\u1ec1n \u0111i\u1ec7n t\u1eed kh\u00e1c nhau, \u0111\u1ea3m b\u1ea3o m\u00f4i tr\u01b0\u1eddng kinh doanh b\u00ecnh \u0111\u1eb3ng gi\u1eefa c\u00e1c doanh nghi\u1ec7p.<\/p>\n<p>\u201cTheo quan \u0111i\u1ec3m c\u1ee7a t\u00f4i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 quy \u0111\u1ecbnh chuy\u00ean bi\u1ec7t, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 kh\u00f4ng c\u00f4ng b\u1eb1ng gi\u1eefa ti\u1ec1n di \u0111\u1ed9ng v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed\u201d, b\u00e0 D\u01b0\u01a1ng g\u1ee3i \u00fd.<\/p>\n<p>\u0110\u1ed1i v\u1edbi quy \u0111\u1ecbnh v\u1ec1 b\u1eb1ng c\u1ea5p, c\u0169ng nh\u01b0 v\u1ec1 \u0111i\u1ec1u ki\u1ec7n cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n trong \u0111\u1ec1 \u00e1n ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u00ea duy\u1ec7t khi c\u1ea5p ph\u00e9p, b\u00e0 D\u01b0\u01a1ng cho r\u1eb1ng: \u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n ph\u1ea3i n\u1eafm r\u00f5 khi c\u1ea5p ph\u00e9p hay nh\u01b0 m\u1ed9t t\u1ed5ng gi\u00e1m \u0111\u1ed1c v\u1eadn h\u00e0nh doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u1ea1i di\u1ec7n cho doanh nghi\u1ec7p, \u0111\u1ea3m b\u1ea3o doanh nghi\u1ec7p s\u1ea3n su\u1ea5t, kinh doanh theo \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 ph\u00e1p lu\u1eadt\u201d.<\/p>\n<p>Thay m\u1eb7t c\u01a1 quan so\u1ea1n th\u1ea3o, \u00f4ng L\u00ea Anh D\u0169ng, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n cho bi\u1ebft, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh l\u00e0 ng\u00e0y 26\/3\/2013, qua h\u01a1n 6 n\u0103m tri\u1ec3n khai, Ngh\u1ecb \u0111\u1ecbnh 101\/2012 l\u00e0 v\u0103n b\u1ea3n ph\u00e1p l\u00fd quan tr\u1ecdng, c\u00f3 m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng r\u1ed9ng \u0111\u1ebfn nhi\u1ec1u l\u0129nh v\u1ef1c, \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n li\u00ean quan.<\/p>\n<p>Ngh\u1ecb \u0111\u1ecbnh v\u1edbi nh\u1eefng n\u1ed9i dung quan tr\u1ecdng v\u1ec1 d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n, \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u1ea5p gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n, c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n l\u00e0 n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd quan tr\u1ecdng cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n (nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed) \u0111\u00e3 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ea5p nh\u1eadn v\u00e0 \u0111\u00f3n nh\u1eadn t\u00edch c\u1ef1c;<\/p>\n<p>G\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c lo\u1ea1i h\u00ecnh thanh to\u00e1n \u0111i\u1ec7n t\u1eed, thanh to\u00e1n di \u0111\u1ed9ng, thanh to\u00e1n ph\u1ee5c v\u1ee5 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed th\u1eddi gian qua;<\/p>\n<p>G\u00f3p ph\u1ea7n \u0111em l\u1ea1i chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n c\u1ee7a n\u1ec1n kinh t\u1ebf, \u0111\u01b0a thanh to\u00e1n \u0111i\u1ec7n t\u1eed, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng, h\u1ea1n ch\u1ebf vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t trong n\u1ec1n kinh t\u1ebf.<\/p>\n<p>Tuy nhi\u00ean, \u00f4ng D\u0169ng c\u0169ng cho r\u1eb1ng, tr\u01b0\u1edbc s\u1ef1 ph\u00e1t tri\u1ec3n nhanh, m\u1ea1nh m\u1ebd c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong xu h\u01b0\u1edbng h\u1ed9i nh\u1eadp qu\u1ed1c t\u1ebf v\u00e0 nhu c\u1ea7u c\u1ee7a th\u1ef1c ti\u1ec5n Vi\u1ec7t Nam, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 101\/2012 \u0111\u00e3 b\u1ed9c l\u1ed9 b\u1ea5t c\u1eadp n\u00ean c\u1ea7n \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u b\u1ed5 sung, ch\u1ec9nh s\u1eeda \u0111\u1ec3 ho\u00e0n thi\u1ec7n, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u00e0 th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng \u0111\u1eb7t ra.<\/p>\n<p>\u00d4ng \u0110\u1eadu Anh Tu\u1ea5n, Tr\u01b0\u1edfng ban Ph\u00e1p ch\u1ebf Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) chia s\u1ebb: &#8220;Cu\u1ed9c kh\u1ea3o s\u00e1t doanh nghi\u1ec7p tr\u00ean 63 t\u1ec9nh, th\u00e0nh ph\u1ed1 trong c\u1ea3 n\u01b0\u1edbc n\u0103m 2019 c\u1ee7a VCCI cho th\u1ea5y, t\u1ef7 l\u1ec7 doanh nghi\u1ec7p \u0111\u0103ng k\u00fd n\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed l\u00ean t\u1edbi 99% v\u00e0 92% doanh nghi\u1ec7p, ch\u1ee7 y\u1ebfu l\u00e0 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, \u0111\u00e3 tham gia n\u1ed9p thu\u1ebf \u0111i\u1ec7n t\u1eed.\u00a0\u0110\u00e2y l\u00e0 con s\u1ed1 r\u1ea5t \u1ea5n t\u01b0\u1ee3ng so v\u1edbi kh\u1ea3o s\u00e1t c\u00e1ch \u0111\u00e2y 3 n\u0103m\u201d.<\/p>\n<p>\u201cV\u1edbi vai tr\u00f2 l\u00e0 \u0111\u01a1n v\u1ecb ch\u1ee7 tr\u00ec d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc r\u1ea5t mu\u1ed1n l\u1eafng nghe c\u00e1c \u00fd ki\u1ebfn, chia s\u1ebb c\u1ee7a c\u00e1c chuy\u00ean gia, \u0111\u1ea1i di\u1ec7n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n, c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n li\u00ean quan \u0111\u1ed1i v\u1edbi d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012.<\/p>\n<p>Nh\u1eefng \u00fd ki\u1ebfn g\u00f3p \u00fd s\u1ebd l\u00e0 ngu\u1ed3n th\u00f4ng tin quan tr\u1ecdng gi\u00fap Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh tr\u00ecnh Ch\u00ednh ph\u1ee7 theo \u0111\u00fang tr\u00ecnh t\u1ef1 ban h\u00e0nh\u201d, \u00f4ng D\u0169ng n\u00f3i.<\/p>\n<p><strong>Nhu\u1ec7 M\u1eabn<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Fintech) 13-12-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/tinnhanhchungkhoan.vn\/fin-tech\/thac-mac-khai-niem-tien-di-dong-307080.html\"><em>https:\/\/tinnhanhchungkhoan.vn\/fin-tech\/thac-mac-khai-niem-tien-di-dong-307080.html<\/em><\/a><\/p>\n<p><em>(106\/1897)<\/em>","protected":false},"excerpt":{"rendered":"<p>(\u0110TCK) &#8211; Sau h\u01a1n 6 n\u0103m tri\u1ec3n khai, Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 b\u1ed9c l\u1ed9 b\u1ea5t c\u1eadp n\u00ean c\u1ea7n \u0111\u01b0\u1ee3c ch\u1ec9nh s\u1eeda\u00a0\u0111\u1ec3 \u0111\u01b0a ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n n\u00e0y th\u1ef1c s\u1ef1 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng. Nh\u1eefng kh\u00e1i ni\u1ec7m c\u1ea7n s\u1eeda \u0111\u1ed5i B\u00e0 Tr\u01b0\u01a1ng C\u1ea9m Thanh, Ch\u1ee7 t\u1ecbch Zalo Pay chia [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":23413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-23549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.402. 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