{"id":25709,"date":"2019-12-11T16:00:47","date_gmt":"2019-12-11T09:00:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25709"},"modified":"2022-06-09T21:44:11","modified_gmt":"2022-06-09T14:44:11","slug":"2-388-hoan-thien-khung-phap-ly-de-phat-trien-thanh-toan-khong-dung-tien-mat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-388-hoan-thien-khung-phap-ly-de-phat-trien-thanh-toan-khong-dung-tien-mat\/","title":{"rendered":"2.388. Ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd \u0111\u1ec3 ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"
(\u0110CS) – Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u01b0u ti\u00ean th\u00fac \u0111\u1ea9y nh\u1eb1m t\u1ea1o l\u1eadp c\u00e1c giao d\u1ecbch minh b\u1ea1ch, thu\u1eadn l\u1ee3i, an to\u00e0n v\u00e0 gi\u1ea3m chi ph\u00ed. 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 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, do \u0111\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m c\u1ee7a c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p v\u00e0 x\u00e3 h\u1ed9i.<\/strong><\/div>\n
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Ng\u00e0y 11\/12 t\u1ea1i H\u00e0 N\u1ed9i, Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP).<\/div>\n
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H\u00ecnh \u1ea3nh t\u1ea1i H\u1ed9i th\u1ea3o (\u1ea2nh: M.P)\u00a0<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n, Tr\u01b0\u1edfng ban Ph\u00e1p ch\u1ebf VCCI cho bi\u1ebft, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 m\u1ed9t xu h\u01b0\u1edbng ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n, \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, c\u0169ng nh\u01b0 g\u00f3p ph\u1ea7n thay \u0111\u1ed5i c\u00e1ch th\u1ee9c qu\u1ea3n tr\u1ecb theo h\u01b0\u1edbng minh b\u1ea1ch, hi\u1ec7n \u0111\u1ea1i. \u0110\u00e2y l\u00e0 ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch quan tr\u1ecdng c\u1ee7a Ch\u00ednh ph\u1ee7, v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong th\u1eddi gian qua \u0111\u00e3 c\u00f3 nhi\u1ec1u n\u1ed7 l\u1ef1c \u0111\u1ec3 \u0111\u01b0a ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch n\u00e0y \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng m\u1ed9t c\u00e1ch th\u00e0nh c\u00f4ng. 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 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, do \u0111\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m ch\u00fa \u00fd c\u1ee7a c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n

\u00d4ng Nguy\u1ec5n Thanh H\u01b0ng, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed Vi\u1ec7t Nam (VECOM) cho bi\u1ebft, theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c \u0111\u00e1nh gi\u00e1 qu\u1ed1c t\u1ebf th\u00ec th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u1edf n\u01b0\u1edbc ta 2019 \u0111\u00e3 \u0111\u1ea1t kho\u1ea3ng 12 t\u1ef7 \u0111\u00f4la M\u1ef9, v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u1edf n\u01b0\u1edbc ta \u0111ang cao nh\u1ea5t khu v\u1ef1c \u0110\u00f4ng Nam \u00c1. D\u1ef1 \u0111o\u00e1n 2020 v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng ti\u1ebfp t\u1ee5c 40% th\u00ec ch\u00fang ta c\u00f3 th\u1ec3 \u0111\u1ea1t 15,16 t\u1ef7 USD. Trong b\u1ee9c tranh \u0111\u00f3, qua kh\u1ea3o s\u00e1t thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed th\u00ec kho\u1ea3ng 20%, t\u1ee9c l\u00e0 thanh to\u00e1n d\u00f9ng ti\u1ec1n m\u1eb7t trong c\u00e1c giao d\u1ecbch thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 t\u1edbi 80%. Nh\u01b0 v\u1eady, c\u1ea7n ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ec3 th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 trong giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed n\u00f3i ri\u00eang.<\/p>\n

Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia kinh t\u1ebf v\u00e0 ph\u00e1p l\u00fd nh\u00ecn nh\u1eadn, d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec3m thi\u1ebfu r\u00f5 r\u00e0ng, ch\u01b0a th\u1ef1c s\u1ef1 thuy\u1ebft ph\u1ee5c v\u00e0 c\u1ea7n ti\u1ebfp t\u1ee5c nghi\u00ean c\u1ee9u, \u0111i\u1ec1u ch\u1ec9nh.<\/p>\n

Theo 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 \u2013 Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng, trong th\u1eddi gian v\u1eeba qua, Ch\u00ednh ph\u1ee7 nh\u1ea5n m\u1ea1nh \u0111\u1ebfn m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 nhi\u1ec1u n\u1ed7 l\u1ef1c \u0111\u1ec3 hi\u1ec7n th\u1ef1c ho\u00e1 ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y, th\u1ec3 hi\u1ec7n trong c\u00e1c \u0111i\u1ec3m m\u1edbi c\u1ee7a d\u1ef1 th\u1ea3o. Tuy nhi\u00ean, d\u1ef1 th\u1ea3o c\u1ea7n \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n \u0111\u1ec3 t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u1eefng ch\u1eafc cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p. \u0110\u1eb7c bi\u1ec7t l\u00e0 d\u1ef1 th\u1ea3o \u0111\u01b0a ra nhi\u1ec1u quy \u0111\u1ecbnh c\u00f3 th\u1ec3 coi l\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh doanh m\u1edbi nh\u01b0 \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng qua t\u00e0i kho\u1ea3n hay \u0111\u1ea1i l\u00fd thanh to\u00e1n. \u0110\u00e2y l\u00e0 c\u00e1c ng\u00e0nh ngh\u1ec1 kinh doanh ch\u01b0a n\u1eb1m trong danh m\u1ee5c ng\u00e0nh ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n theo Lu\u1eadt \u0110\u1ea7u t\u01b0, do \u0111\u00f3 Ban so\u1ea1n th\u1ea3o c\u1ea7n c\u00f3 s\u1ef1 c\u00e2n nh\u1eafc khi x\u00e2y d\u1ef1ng quy \u0111\u1ecbnh cho \u0111\u1ed3ng b\u1ed9. B\u00ean c\u1ea1nh \u0111\u00f3, nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n kinh doanh trong d\u1ef1 th\u1ea3o quy \u0111\u1ecbnh kh\u00f4ng c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng v\u00e0 kh\u00f4ng d\u1ec5 ti\u00ean li\u1ec7u, s\u1ebd d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p trong vi\u1ec7c \u00e1p d\u1ee5ng.<\/p>\n

C\u00f2n \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span> cho r\u1eb1ng, Ngh\u1ecb \u0111\u1ecbnh c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng do nghi\u00ean c\u1ee9u Lu\u1eadt Thanh to\u00e1n \u0111\u1ec3 quy \u0111\u1ecbnh cho \u0111\u1ea7y \u0111\u1ee7.<\/p>\n

C\u00e1c chuy\u00ean gia kinh t\u1ebf v\u00e0 ph\u00e1p l\u00fd c\u0169ng nh\u1ea5n m\u1ea1nh, ban so\u1ea1n th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ea7n \u0111\u1ed1i chi\u1ebfu k\u1ef9 l\u01b0\u1ee1ng h\u01a1n v\u1edbi c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf v\u1ec1 m\u1edf c\u1eeda l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u2013 t\u00e0i ch\u00ednh c\u1ee7a Vi\u1ec7t Nam, nh\u01b0 ch\u01b0\u01a1ng 11 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). Ngo\u00e0i ra, hi\u1ec7n nay l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 c\u00f4ng ngh\u1ec7 (FinTech) \u0111ang r\u1ea5t c\u1ea7n v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 ph\u00e1t tri\u1ec3n, \u0111\u1ea7u t\u01b0 cho c\u1ea3 c\u00f4ng ngh\u1ec7, th\u1ecb tr\u01b0\u1eddng v\u00e0 nh\u00e2n l\u1ef1c.<\/p>\n

Do \u0111\u00f3 c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh h\u00e0i h\u00f2a v\u1ec1 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, v\u1eeba \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, v\u1eeba t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u0103ng ngu\u1ed3n l\u1ef1c \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n trong l\u0129nh v\u1ef1c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.\/.<\/p>\n<\/div>\n

——————<\/p>\n

\u0110\u1ea3ng c\u1ed9ng s\u1ea3n (Kinh t\u1ebf) 11-12-2019:<\/em><\/strong><\/p>\n

http:\/\/www.dangcongsan.vn\/kinh-te\/hoan-thien-khung-phap-ly-de-phat-trien-thanh-toan-khong-dung-tien-mat-544676.html<\/em><\/a><\/p>\n

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

(\u0110CS) – Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u01b0u ti\u00ean th\u00fac \u0111\u1ea9y nh\u1eb1m t\u1ea1o l\u1eadp c\u00e1c giao d\u1ecbch minh b\u1ea1ch, thu\u1eadn l\u1ee3i, an to\u00e0n v\u00e0 gi\u1ea3m chi ph\u00ed. 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 quan tr\u1ecdng, \u1ea3nh h\u01b0\u1edfng l\u1edbn […]<\/p>\n","protected":false},"author":10,"featured_media":25749,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.388. 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