{"id":25773,"date":"2019-12-12T16:20:35","date_gmt":"2019-12-12T09:20:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25773"},"modified":"2022-06-09T21:54:03","modified_gmt":"2022-06-09T14:54:03","slug":"2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao\/","title":{"rendered":"2.397. Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: Khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o"},"content":{"rendered":"

(BP) – D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (TTKDTM) thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi v\u1ec1 m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n; d\u1ecbch v\u1ee5 TTKDTM; d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n; t\u1ed5 ch\u1ee9c, qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t c\u00e1c h\u1ec7<\/strong><\/p>\n

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\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p l\u00fd, kh\u1ea3 thi c\u1ee7a v\u0103n b\u1ea3n, b\u1ea3o \u0111\u1ea3m quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a doanh nghi\u1ec7p, ng\u00e0y 11\/12, Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) ph\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) \u0111\u00e3 t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn doanh nghi\u1ec7p v\u1ec1 D\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh v\u1ec1 TTKDTM.<\/p>\n\n\n\n
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\"thanh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
Quang c\u1ea3nh h\u1ed9i th\u1ea3o<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ea3m b\u1ea3o s\u1ef1 \u0111\u1ed3ng b\u1ed9 v\u00e0 th\u1ed1ng nh\u1ea5t<\/strong><\/p>\n

\u00d4ng L\u00ea Anh D\u0169ng – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n (NHNN) cho bi\u1ebft, Ngh\u1ecb \u0111\u1ecbnh 101 \u0111\u00e3 qua 6 n\u0103m tri\u1ec3n khai, c\u00f3 t\u00e1c \u0111\u1ed9ng 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\u2026 Tuy nhi\u00ean s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a \u0111\u1eddi s\u1ed1ng kinh t\u1ebf – x\u00e3 h\u1ed9i, khoa h\u1ecdc c\u00f4ng ngh\u1ec7, h\u1ed9i nh\u1eadp qu\u1ed1c t\u1ebf\u2026 \u0111ang \u0111\u1eb7t ra y\u00eau c\u1ea7u c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i b\u1ed5 sung m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 101.<\/p>\n

\u0110\u1ea1i di\u1ec7n Ban so\u1ea1n th\u1ea3o nh\u1ea5n m\u1ea1nh, quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng Ngh\u1ecb \u0111\u1ecbnh th\u1ec3 hi\u1ec7n nh\u1ea5t qu\u00e1n l\u00e0 th\u00fac \u0111\u1ea9y TTKDTM, 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 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p m\u1edbi tham gia v\u00e0o l\u0129nh v\u1ef1c thanh to\u00e1n\u2026 D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh m\u1edbi c\u00f3 7 ch\u01b0\u01a1ng, 44 \u0111i\u1ec1u, th\u1ec3 hi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch m\u1edbi v\u1ec1 \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.<\/p>\n

Th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c quy \u0111\u1ecbnh \u0111\u1ec1 xu\u1ea5t t\u1ea1i D\u1ef1 th\u1ea3o, 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 thu\u1ed9c Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM) cho r\u1eb1ng, Ch\u00ednh ph\u1ee7 nh\u1ea5n m\u1ea1nh \u0111\u1ebfn m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n TTKDTM, v\u00e0 NHNN \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 \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.<\/p>\n

\u201c\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 c\u00f2n ch\u01b0a 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\u201d, \u0111\u1ea1i di\u1ec7n CIEM n\u00eau \u00fd ki\u1ebfn.<\/p>\n

C\u0169ng cho r\u1eb1ng D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n, n\u00ean theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, c\u1ea7n nghi\u00ean c\u1ee9u ti\u1ebfn t\u1edbi x\u00e2y d\u1ef1ng Lu\u1eadt Thanh to\u00e1n. Hi\u1ec7n nay, NHNN m\u1edbi ch\u1ec9 c\u00f3 k\u1ebf ho\u1ea1ch x\u00e2y d\u1ef1ng D\u1ef1 \u00e1n Lu\u1eadt C\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n trong giai \u0111o\u1ea1n 2021-2025, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 34 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c v\u1ec1 vi\u1ec7c ban h\u00e0nh \u201cCh\u01b0\u01a1ng tr\u00ecnh h\u00e0nh \u0111\u1ed9ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n ng\u00e0nh Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030\u201d.<\/p>\n

\u0110\u1eb7c bi\u1ec7t theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, \u201chi\u1ec7n c\u00f3 hai Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n l\u00e0 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 TTKDTM. C\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t v\u0103n b\u1ea3n 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 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y g\u1ed3m ba nh\u00f3m ch\u00ednh l\u00e0 NHNN, TCTD v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 li\u00ean quan \u0111\u1ebfn thanh to\u00e1n\u201d.<\/p>\n

Xem x\u00e9t v\u1ec1 room ngo\u1ea1i, ti\u1ec1n \u0111i\u1ec7n t\u1eed, ti\u1ec1n di \u0111\u1ed9ng<\/strong><\/p>\n

M\u1ed9t n\u1ed9i dung nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c \u0111\u1ea1i bi\u1ec3u t\u1ea1i 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, theo \u0111\u1ec1 xu\u1ea5t t\u1ea1i D\u1ef1 th\u1ea3o kh\u00f4ng qu\u00e1 49%. \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 cho r\u1eb1ng, \u0111\u1ec3 ph\u00e1t tri\u1ec3n TTKDTM, c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 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 n\u00e0y, \u00f4ng Nishikawa – th\u00e0nh vi\u00ean H\u0110QT CTCP 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 hay, 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\u00ec v\u1ec1 v\u1ed1n \u0111\u1ea7u t\u01b0 m\u00e0 c\u1ea3 c\u00f4ng ngh\u1ec7, tri th\u1ee9c \u0111\u1ec3 ph\u00e1t tri\u1ec3n, 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.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, v\u1ea5n \u0111\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed, ti\u1ec1n di \u0111\u1ed9ng c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 quan t\u00e2m. Ph\u00eda Techcombank n\u00eau \u00fd ki\u1ebfn: Theo quy \u0111\u1ecbnh t\u1ea1i D\u1ef1 th\u1ea3o, ti\u1ec1n di \u0111\u1ed9ng l\u00e0 \u201cti\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\u201d. V\u1edbi \u0111\u1ecbnh ngh\u0129a n\u00e0y, ti\u1ec1n di \u0111\u1ed9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t lo\u1ea1i\/h\u00ecnh th\u1ee9c ti\u1ec1n t\u1ec7. M\u1eb7t kh\u00e1c, ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong c\u00f9ng D\u1ef1 th\u1ea3o \u201cgi\u00e1 tr\u1ecb ti\u1ec1n t\u1ec7 l\u01b0u tr\u1eef tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c tr\u1ea3 tr\u01b0\u1edbc b\u1edfi kh\u00e1ch h\u00e0ng cho ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch thanh to\u00e1n v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u1ee9ng t\u1ea1i ng\u00e2n h\u00e0ng, bao g\u1ed3m th\u1ebb tr\u1ea3 tr\u01b0\u1edbc, v\u00ed \u0111i\u1ec7n t\u1eed, ti\u1ec1n di \u0111\u1ed9ng\u201d.<\/p>\n

Nh\u01b0 v\u1eady, theo \u0111\u1ecbnh ngh\u0129a n\u00e0y th\u00ec 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. B\u1edfi v\u1eady, Techcombank \u0111\u1ec1 xu\u1ea5t Ban so\u1ea1n th\u1ea3o xem x\u00e9t l\u00e0m r\u00f5 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1: ti\u1ec1n di \u0111\u1ed9ng c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 hay kh\u00f4ng? 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 v\u00e0 c\u00e1ch th\u1ee9c n\u00e0o?<\/p>\n

C\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n di \u0111\u1ed9ng. Ban 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 ho\u00e1 t\u1eeb ti\u1ec1n VND v\u00e0 vi\u1ec7c ph\u00e1t h\u00e0nh ph\u1ea3i th\u00f4ng qua k\u1ebft n\u1ed1i 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\u2026).<\/p>\n

D\u00f9 D\u1ef1 th\u1ea3o \u0111\u00e3 ghi nh\u1eadn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed, tuy nhi\u00ean ph\u00eda Techcombank c\u0169ng cho r\u1eb1ng c\u1ea7n b\u1ed5 sung th\u00eam quy \u0111\u1ecbnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m x\u00e1c \u0111\u1ecbnh \u0111\u00fang v\u00e0 ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa ti\u1ec1n \u0111i\u1ec7n t\u1eed (lo\u1ea1i ti\u1ec1n h\u1ee3p ph\u00e1p) v\u00e0 ti\u1ec1n \u1ea3o\/ti\u1ec1n m\u00e3 ho\u00e1 (ch\u01b0a \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn h\u1ee3p ph\u00e1p). Theo \u0111\u00f3, Techcombank \u0111\u1ec1 xu\u1ea5t D\u1ef1 th\u1ea3o c\u0169ng n\u00ean \u0111\u01b0\u1ee3c ghi nh\u1eadn r\u00f5 v\u1ec1 b\u1ea3n ch\u1ea5t, ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u01b0\u1edbc khi ph\u1ed5 bi\u1ebfn h\u00ecnh th\u1ee9c thanh to\u00e1n n\u00e0y. Ngo\u00e0i ra, Ban so\u1ea1n th\u1ea3o c\u0169ng n\u00ean c\u00e2n nh\u1eafc b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh nh\u1eb1m t\u0103ng c\u01b0\u1eddng c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o m\u1eadt, b\u1ea3o \u0111\u1ea3m an to\u00e0n cho ng\u01b0\u1eddi d\u00f9ng ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/p>\n

B\u00e0 Tr\u01b0\u01a1ng C\u1ea9m Thanh – \u0111\u1ea1i di\u1ec7n ZaloPay v\u00e0 \u00f4ng Nguy\u1ec5n B\u00e1 Di\u1ec7p – Ph\u00f3 Ch\u1ee7 t\u1ecbch CTCP D\u1ecbch v\u1ee5 Di \u0111\u1ed9ng tr\u1ef1c tuy\u1ebfn (\u0111\u01a1n v\u1ecb cung c\u1ea5p V\u00ed \u0111i\u1ec7n t\u1eed MoMo) c\u0169ng \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, \u0111\u1ea3m b\u1ea3o m\u00f4i tr\u01b0\u1eddng kinh doanh b\u00ecnh \u0111\u1eb3ng gi\u1eefa c\u00e1c doanh nghi\u1ec7p.<\/p>\n

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 hoan ngh\u00eanh c\u00e1c \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p v\u00e0 kh\u1eb3ng \u0111\u1ecbnh Ban so\u1ea1n th\u1ea3o trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng D\u1ef1 th\u1ea3o s\u1ebd ti\u1ebfp thu tr\u00ean tinh th\u1ea7n c\u1edfi m\u1edf, h\u1ee3p t\u00e1c. Ri\u00eang \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 h\u1ea1n ch\u1ebf \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, quan \u0111i\u1ec3m c\u1ee7a NHNN cho r\u1eb1ng \u0111\u00e2y l\u00e0 t\u1ef7 l\u1ec7 h\u1ee3p l\u00fd, v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c b\u00ean, \u0111\u1ed3ng th\u1eddi th\u1ec3 hi\u1ec7n ch\u1ee7 quy\u1ec1n v\u00e0 quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a Vi\u1ec7t Nam trong l\u0129nh v\u1ef1c thanh to\u00e1n. Tuy nhi\u00ean, Ban so\u1ea1n th\u1ea3o s\u1ebd ti\u1ebfp t\u1ee5c nghi\u00ean c\u1ee9u n\u1ed9i dung c\u00e1c hi\u1ec7p \u0111\u1ecbnh song ph\u01b0\u01a1ng v\u00e0 \u0111a ph\u01b0\u01a1ng \u0111\u1ec3 c\u00f3 quy \u0111\u1ecbnh h\u1ee3p l\u00fd nh\u1ea5t trong v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n

thoibaonganhang.vn<\/i><\/p>\n<\/div>\n<\/div>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (Th\u1ebf gi\u1edbi tr\u1ebb) 12-12-2019:<\/em><\/strong><\/p>\n

https:\/\/bankingplus.vn\/thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao-97804.html<\/em><\/a><\/p>\n

(178\/1.616)<\/em>","protected":false},"excerpt":{"rendered":"

(BP) – D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (TTKDTM) thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi v\u1ec1 m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n; d\u1ecbch v\u1ee5 TTKDTM; d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n; t\u1ed5 ch\u1ee9c, qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t c\u00e1c h\u1ec7 […]<\/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-25773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.397. Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: Khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o - 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\/vi\/2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.397. Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: Khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(BP) – D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (TTKDTM) thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi v\u1ec1 m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n; d\u1ecbch v\u1ee5 TTKDTM; d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n; t\u1ed5 ch\u1ee9c, qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t c\u00e1c h\u1ec7 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-12T09:20:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-09T14:54:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/150423_anh-sk-11-12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"543\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/2-397-thanh-toan-khong-dung-tien-mat-khuyen-khich-doi-moi-sang-tao\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/2d150c4ef033c94d530c391731b640b9\"},\"headline\":\"2.397. 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