{"id":24334,"date":"2019-12-31T14:40:25","date_gmt":"2019-12-31T07:40:25","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24334"},"modified":"2022-06-01T14:48:00","modified_gmt":"2022-06-01T07:48:00","slug":"2-444-quy-dinh-thanh-toan-khong-dung-tien-mat-can-dung-luat-dung-cam-ket-quoc-te","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-444-quy-dinh-thanh-toan-khong-dung-tien-mat-can-dung-luat-dung-cam-ket-quoc-te\/","title":{"rendered":"2.444. Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: C\u1ea7n \u0111\u00fang lu\u1eadt, \u0111\u00fang cam k\u1ebft qu\u1ed1c t\u1ebf"},"content":{"rendered":"(PT) – Theo nhi\u1ec1u lu\u1eadt gia, vi\u1ec7c h\u1ea1n ch\u1ebf thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t, g\u1ed3m c\u1ea3 vi\u1ec7c h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i t\u1ec7, t\u1ee9c l\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a c\u00f4ng d\u00e2n, ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong lu\u1eadt, n\u1ebfu ch\u1ec9 quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi.<\/strong><\/p>\n

Ngh\u1ecb \u0111\u1ecbnh l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi?<\/strong><\/p>\n

Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111em l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, g\u00f3p ph\u1ea7n thay \u0111\u1ed5i c\u00e1ch th\u1ee9c qu\u1ea3n l\u00fd theo h\u01b0\u1edbng minh b\u1ea1ch, hi\u1ec7n \u0111\u1ea1i. Trong th\u1eddi gian qua, Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u00f3 nhi\u1ec1u n\u1ed7 l\u1ef1c \u0111\u1ec3 \u0111\u01b0a ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng. V\u00ec v\u1eady, Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t s\u1ebd l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt quan tr\u1ecdng, \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n, c\u00e1c doanh nghi\u1ec7p th\u1ee5 h\u01b0\u1edfng d\u1ecbch v\u1ee5 v\u00e0 \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 qua 6 n\u0103m th\u1ef1c hi\u1ec7n, c\u00f3 \u1ea3nh h\u01b0\u1edfng s\u00e2u r\u1ed9ng, l\u00e0 n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n v\u00e0 trung gian thanh to\u00e1n, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c lo\u1ea1i h\u00ecnh m\u1edbi nh\u01b0 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, thanh to\u00e1n di \u0111\u1ed9ng… ph\u00e1t tri\u1ec3n. Tuy nhi\u00ean, s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf, x\u00e3 h\u1ed9i, khoa h\u1ecdc c\u00f4ng ngh\u1ec7, y\u00eau c\u1ea7u c\u1ee7a h\u1ed9i nh\u1eadp, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 101 c\u1ea7n \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung.<\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn doanh nghi\u1ec7p v\u1ec1 d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP, \u0111\u1ea1i di\u1ec7n Ban so\u1ea1n th\u1ea3o n\u00eau quan \u0111i\u1ec3m: Ngh\u1ecb \u0111\u1ecbnh nh\u1eb1m th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c ho\u1ea1t \u0111\u1ed9ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3m chi ph\u00ed, t\u1ea1o s\u1ef1 minh b\u1ea1ch trong n\u1ec1n kinh t\u1ebf, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i ro trong giao d\u1ecbch, khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o, c\u00e1c doanh nghi\u1ec7p m\u1edbi tham gia v\u00e0o l\u0129nh v\u1ef1c thanh to\u00e1n. D\u1ef1 th\u1ea3o c\u00f3 7 ch\u01b0\u01a1ng, 44 \u0111i\u1ec1u, th\u1ec3 hi\u1ec7n s\u1ef1 \u0111\u1ed3ng b\u1ed9 ph\u00e1p l\u00fd v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed, qu\u1ea3n l\u00fd c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi, cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng qua t\u00e0i kho\u1ea3n, ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd thanh to\u00e1n, ho\u00e0n thi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n, \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i trong l\u0129nh v\u1ef1c trung gian thanh to\u00e1n. Hi\u1ec7n d\u1ef1 th\u1ea3o \u0111ang trong qu\u00e1 tr\u00ecnh l\u1ea5y \u00fd ki\u1ebfn c\u1ee7a c\u00e1c c\u01a1 quan h\u1eefu quan.<\/p>\n

G\u00f3p \u00fd v\u1ec1 nh\u1eefng quy \u0111\u1ecbnh c\u00f2n b\u1ea5t c\u1eadp trong d\u1ef1 th\u1ea3o, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng, vi\u1ec7c ti\u1ebfp t\u1ee5c ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t d\u01b0\u1edbi h\u00ecnh th\u1ee9c ngh\u1ecb \u0111\u1ecbnh l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, ch\u1ec9 n\u00ean coi l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi b\u1edfi m\u1ed9t s\u1ed1 l\u00fd do.\u00a0<\/em><\/p>\n

Tr\u01b0\u1edbc h\u1ebft, vi\u1ec7c h\u1ea1n ch\u1ebf thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t, g\u1ed3m c\u1ea3 vi\u1ec7c h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i t\u1ec7, t\u1ee9c l\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a c\u00f4ng d\u00e2n, ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong lu\u1eadt. B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 tr\u00ean li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn n\u01b0\u1edbc ngo\u00e0i, do \u0111\u00f3, vi\u1ec7c quy \u0111\u1ecbnh b\u1eb1ng v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt l\u00e0 kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ea7n thi\u1ebft.<\/em><\/p>\n\n\n\n
\n
Quy \u0111\u1ecbnh hi\u1ec7u l\u1ef1c h\u1ed3i t\u1ed1 t\u1ea1i \u0110i\u1ec1u 42 c\u1ee7a d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh tr\u00e1i v\u1edbi \u0110i\u1ec1u 74 Lu\u1eadt \u0110\u1ea7u t\u01b0, \u0111\u1ed3ng th\u1eddi tr\u00e1i v\u1edbi c\u00e1c cam k\u1ebft b\u1ea3o h\u1ed9 \u0111\u1ea7u t\u01b0 trong c\u00e1c hi\u1ec7p \u0111\u1ecbnh th\u01b0\u01a1ng m\u1ea1i song ph\u01b0\u01a1ng v\u00e0 \u0111a ph\u01b0\u01a1ng.<\/strong><\/h5>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ngo\u00e0i ra, n\u1ebfu giao d\u1ecbch d\u00e2n s\u1ef1 vi ph\u1ea1m c\u00e1c \u0111i\u1ec1u c\u1ea5m trong ph\u00e1p l\u1ec7nh v\u00e0 ngh\u1ecb \u0111\u1ecbnh th\u00ec s\u1ebd kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. Hi\u1ec7n nay, giao d\u1ecbch d\u00e2n s\u1ef1 ch\u1ec9 vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt th\u00ec m\u1edbi b\u1ecb v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 117 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d.\u00a0<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p x\u00e2y d\u1ef1ng ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t nh\u01b0 m\u1ed9t gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi th\u00ec c\u1ea7n xem x\u00e9t g\u1ed9p ngh\u1ecb \u0111\u1ecbnh n\u00e0y v\u1edbi Ngh\u1ecb \u0111\u1ecbnh 222\/2013\/N\u0110-CP v\u1ec1 thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t.\u00a0<\/em><\/p>\n

\u201cC\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt chung v\u1ec1 thanh to\u00e1n v\u00ec hai ngh\u1ecb \u0111\u1ecbnh n\u00e0y gi\u1ed1ng nhau v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng, g\u1ed3m 3 nh\u00f3m ch\u00ednh l\u00e0: NHNN, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 li\u00ean quan \u0111\u1ebfn thanh to\u00e1n. \u0110\u1eb7c bi\u1ec7t, Ngh\u1ecb \u0111\u1ecbnh 222\/2013\/N\u0110-CP v\u1ec1 thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t g\u1ed3m c\u00f3 14 \u0111i\u1ec1u, nh\u01b0ng c\u00e1c n\u1ed9i dung tr\u1ecdng t\u00e2m, ch\u1ee7 y\u1ebfu l\u1ea1i l\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh<\/em>.<\/p>\n

C\u00f3 n\u00ean h\u1ea1n ch\u1ebf\u00a0\u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i\u00a0v\u00e0o fintech?<\/strong><\/p>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u00f3ng c\u1ee7a h\u1ed9i th\u1ea3o l\u00e0 quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o l\u0129nh v\u1ef1c trung gian thanh to\u00e1n kh\u00f4ng qu\u00e1 49%.<\/p>\n

\u00d4ng Nguy\u1ec5n Th\u00e0nh H\u01b0ng, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed cho r\u1eb1ng, m\u1eb7c d\u00f9 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n nhanh trong th\u1eddi gian g\u1ea7n \u0111\u00e2y nh\u01b0ng t\u1ef7 l\u1ec7 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng t\u0103ng. \u0110\u1ec3 ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, v\u00ec \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c c\u00f3 nhi\u1ec1u r\u1ee7i ro, trong khi ngu\u1ed3n v\u1ed1n trong n\u01b0\u1edbc ch\u01b0a s\u1eb5n s\u00e0ng.<\/p>\n

Chia s\u1ebb quan \u0111i\u1ec3m, \u00f4ng Nishikawa, th\u00e0nh vi\u00ean H\u0110QT C\u00f4ng ty CP D\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn C\u1ed9ng \u0111\u1ed3ng Vi\u1ec7t (V\u00ed \u0111i\u1ec7n t\u1eed Payoo), \u0111\u1ea1i di\u1ec7n cho nh\u00e0 \u0111\u1ea7u t\u01b0 NTT (Nh\u1eadt B\u1ea3n) cho r\u1eb1ng, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u00f3 s\u1ef1 \u0111\u00f3ng g\u00f3p l\u1edbn kh\u00f4ng ch\u1ec9 v\u1ec1 v\u1ed1n \u0111\u1ea7u t\u01b0 m\u00e0 c\u1ea3 c\u00f4ng ngh\u1ec7, tri th\u1ee9c, do \u0111\u00f3 NHNN c\u1ea7n c\u00e2n nh\u1eafc v\u1ec1 quy \u0111\u1ecbnh h\u1ea1n ch\u1ebf v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o l\u0129nh v\u1ef1c trung gian thanh to\u00e1n.<\/p>\n

C\u00f9ng chung \u00fd ki\u1ebfn, b\u00e0 Tr\u01b0\u01a1ng C\u1ea9m Thanh, \u0111\u1ea1i di\u1ec7n Zalo Pay v\u00e0 \u00f4ng Nguy\u1ec5n B\u00e1 Di\u1ec7p, \u0111\u1ea1i di\u1ec7n V\u00ed \u0111i\u1ec7n t\u1eed MoMo, \u0111\u1ec1 ngh\u1ecb d\u1ef1 th\u1ea3o 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, b\u1ea3o \u0111\u1ea3m m\u00f4i tr\u01b0\u1eddng kinh doanh b\u00ecnh \u0111\u1eb3ng gi\u1eefa c\u00e1c doanh nghi\u1ec7p.<\/p>\n

M\u1ed9t s\u1ed1 chuy\u00ean gia ph\u00e1p l\u00fd \u0111i s\u00e2u h\u01a1n khi cho r\u1eb1ng, vi\u1ec7c h\u1ea1n ch\u1ebf \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 vi ph\u1ea1m c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf c\u1ee7a Vi\u1ec7t Nam t\u1ea1i T\u1ed5 ch\u1ee9c Th\u01b0\u01a1ng m\u1ea1i Th\u1ebf gi\u1edbi (WTO), Hi\u1ec7p \u0111\u1ecbnh \u0110\u1ed1i t\u00e1c to\u00e0n di\u1ec7n v\u00e0 ti\u1ebfn b\u1ed9 xuy\u00ean Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (CPTPP). Quy \u0111\u1ecbnh hi\u1ec7u l\u1ef1c h\u1ed3i t\u1ed1 t\u1ea1i \u0110i\u1ec1u 42 c\u1ee7a d\u1ef1 th\u1ea3o c\u0169ng tr\u00e1i v\u1edbi \u0110i\u1ec1u 74 Lu\u1eadt \u0110\u1ea7u t\u01b0, \u0111\u1ed3ng th\u1eddi tr\u00e1i v\u1edbi c\u00e1c cam k\u1ebft b\u1ea3o h\u1ed9 \u0111\u1ea7u t\u01b0 trong c\u00e1c hi\u1ec7p \u0111\u1ecbnh th\u01b0\u01a1ng m\u1ea1i song ph\u01b0\u01a1ng v\u00e0 \u0111a ph\u01b0\u01a1ng, c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nguy c\u01a1 Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam b\u1ecb kh\u1edfi ki\u1ec7n b\u1edfi ch\u00ednh ph\u1ee7 ho\u1eb7c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. \u00d4ng \u0110\u1eb7ng Thanh S\u01a1n, lu\u1eadt s\u01b0 th\u00e0nh vi\u00ean C\u00f4ng ty Lu\u1eadt Baker McKenzie, \u0111\u00e3 d\u1eabn ra tr\u01b0\u1eddng h\u1ee3p Trung Qu\u1ed1c b\u1ecb WTO x\u1eed thua ki\u1ec7n khi \u00e1p d\u1ee5ng h\u1ea1n ch\u1ebf t\u01b0\u01a1ng t\u1ef1 trong l\u0129nh v\u1ef1c thanh to\u00e1n \u0111i\u1ec7n t\u1eed.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u00f4ng Ph\u00f9ng Anh Tu\u1ea5n, Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh, n\u00f3i: Hi\u1ec7n nay, trung gian thanh to\u00e1n \u01b0\u1edbc t\u00ednh chi\u1ebfm \u0111\u1ebfn 90% gi\u00e1 tr\u1ecb c\u1ee7a fintech (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh), n\u00ean h\u1ea1n ch\u1ebf \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 l\u0129nh v\u1ef1c fintech. M\u1eb7t kh\u00e1c, m\u1eb7c d\u00f9 c\u01a1 quan so\u1ea1n th\u1ea3o cho r\u1eb1ng trung gian thanh to\u00e1n kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf, tuy nhi\u00ean \u0111\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd ri\u00eang c\u1ee7a Vi\u1ec7t Nam, c\u00f2n v\u1ec1 b\u1ea3n ch\u1ea5t, ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c bao g\u1ed3m trong l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c cam k\u1ebft l\u00e0 d\u1ecbch v\u1ee5 thanh to\u00e1n. N\u1ebfu ch\u00ednh ph\u1ee7 ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i kh\u1edfi ki\u1ec7n, quy\u1ec1n di\u1ec5n gi\u1ea3i \u0111i\u1ec1u \u01b0\u1edbc v\u00e0 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh s\u1ebd thu\u1ed9c v\u1ec1 c\u01a1 quan t\u00e0i ph\u00e1n ho\u1eb7c tr\u1ecdng t\u00e0i, ch\u1ee9 kh\u00f4ng thu\u1ed9c v\u1ec1 ph\u00eda Vi\u1ec7t Nam. N\u1ebfu thua ki\u1ec7n, ch\u00fang ta c\u00f3 th\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi h\u1eadu qu\u1ea3 t\u1ed1n k\u00e9m v\u00e0 d\u01b0 lu\u1eadn ti\u00eau c\u1ef1c. Do \u0111\u00f3, Ch\u00ednh ph\u1ee7 c\u1ea7n c\u00e2n nh\u1eafc nhi\u1ec1u gi\u1ea3i ph\u00e1p kh\u00e1c nhau \u0111\u1ec3 ki\u1ec3m so\u00e1t, theo d\u00f5i v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 kh\u00f4ng mong mu\u1ed1n, thay v\u00ec \u00e1p \u0111\u1eb7t h\u1ea1n ch\u1ebf tr\u00ean to\u00e0n th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Theo d\u1ef1 th\u1ea3o t\u1edd tr\u00ecnh Ch\u00ednh ph\u1ee7 k\u00e8m theo ngh\u1ecb \u0111\u1ecbnh, c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u01b0a ra tr\u01b0\u1eddng h\u1ee3p h\u1ea1n ch\u1ebf \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Indonesia \u0111\u1ec3 tham kh\u1ea3o. Tuy nhi\u00ean nhi\u1ec1u \u0111\u1ea1i bi\u1ec3u b\u0103n kho\u0103n, \u0111\u00f3 c\u00f3 l\u00e0 ti\u1ec1n l\u1ec7 t\u1ed1t \u0111\u1ec3 Vi\u1ec7t Nam tham kh\u1ea3o hay kh\u00f4ng v\u00ec trong nhi\u1ec1u l\u0129nh v\u1ef1c k\u1ef9 thu\u1eadt, c\u00f4ng ngh\u1ec7, Indonesia c\u00f2n t\u1ee5t h\u1eadu so v\u1edbi Vi\u1ec7t Nam, trong khi Ch\u00ednh ph\u1ee7 \u0111ang \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u01b0a Vi\u1ec7t Nam v\u00e0o Top 4 ASEAN v\u1ec1 ph\u00e1t tri\u1ec3n s\u1ed1.<\/p>\n

Theo \u00f4ng Yee Chung Seck, \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p Singapore, th\u1ef1c t\u1ebf th\u1ecb tr\u01b0\u1eddng Indonesia cho th\u1ea5y, m\u1eb7c d\u00f9 c\u00e1c h\u1ea1n ch\u1ebf \u0111\u1ed1i v\u1edbi fintech kh\u00f4ng qu\u00e1 l\u1edbn, \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ef1 chuy\u1ec3n h\u01b0\u1edbng \u0111\u00e1ng k\u1ec3 d\u00f2ng v\u1ed1n \u0111\u1ea7u t\u01b0 ra kh\u1ecfi qu\u1ed1c gia n\u00e0y. \u0110\u00e2y l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p Vi\u1ec7t Nam n\u00ean tr\u00e1nh, khi Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 cam k\u1ebft th\u00fac \u0111\u1ea9y c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 v\u00e0 khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n kinh t\u1ebf s\u1ed1.<\/p>\n

B\u00e0 Virgina Foote, \u0111\u1ea1i di\u1ec7n AmCham Vi\u1ec7t Nam, \u0111\u1ed3ng Ch\u1ee7 t\u1ecbch Di\u1ec5n \u0111\u00e0n doanh nghi\u1ec7p Vi\u1ec7t Nam (VBF), c\u0169ng \u0111\u1ec1 ngh\u1ecb Ban so\u1ea1n th\u1ea3o c\u00e2n nh\u1eafc quy \u0111\u1ecbnh n\u00e0y do c\u00f3 \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ni\u1ec1m tin c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o c\u00e1c cam k\u1ebft c\u1ee7a Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam.<\/p>\n

Minh L\u00ea<\/strong><\/p>\n

————-<\/p>\n

PetroTimes (Kinh t\u1ebf) 31-12-2019:<\/em><\/strong><\/p>\n

https:\/\/petrotimes.vn\/can-dung-luat-dung-cam-ket-quoc-te-559998.html<\/em><\/a><\/p>\n

(335\/1.681)<\/em>","protected":false},"excerpt":{"rendered":"

(PT) – Theo nhi\u1ec1u lu\u1eadt gia, vi\u1ec7c h\u1ea1n ch\u1ebf thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t, g\u1ed3m c\u1ea3 vi\u1ec7c h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i t\u1ec7, t\u1ee9c l\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a c\u00f4ng d\u00e2n, ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong lu\u1eadt, n\u1ebfu ch\u1ec9 quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi. Ngh\u1ecb […]<\/p>\n","protected":false},"author":3,"featured_media":23547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.444. Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: C\u1ea7n \u0111\u00fang lu\u1eadt, \u0111\u00fang cam k\u1ebft qu\u1ed1c t\u1ebf - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/2-444-quy-dinh-thanh-toan-khong-dung-tien-mat-can-dung-luat-dung-cam-ket-quoc-te\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.444. Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: C\u1ea7n \u0111\u00fang lu\u1eadt, \u0111\u00fang cam k\u1ebft qu\u1ed1c t\u1ebf[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(PT) – Theo nhi\u1ec1u lu\u1eadt gia, vi\u1ec7c h\u1ea1n ch\u1ebf thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t, g\u1ed3m c\u1ea3 vi\u1ec7c h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i t\u1ec7, t\u1ee9c l\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a c\u00f4ng d\u00e2n, ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong lu\u1eadt, n\u1ebfu ch\u1ec9 quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi. 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