{"id":34511,"date":"2022-10-24T12:06:47","date_gmt":"2022-10-24T05:06:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34511"},"modified":"2024-12-25T17:14:21","modified_gmt":"2024-12-25T10:14:21","slug":"399-binh-luan-ve-the-che-phap-ly-ngan-hang-trong-boi-canh-cach-mang-cong-nghiep-lan-thu-tu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/399-binh-luan-ve-the-che-phap-ly-ngan-hang-trong-boi-canh-cach-mang-cong-nghiep-lan-thu-tu\/","title":{"rendered":"399. B\u00ecnh lu\u1eadn v\u1ec1 Th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0."},"content":{"rendered":"<h4><span style=\"color: #723918;\">B\u00ecnh lu\u1eadn v\u1ec1 Th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0.<\/span><\/h4>\n<h5>(<a href=\"https:\/\/anvilaw.com\"><strong><span style=\"color: #713817;\">ANVI<\/span><\/strong><\/a>) &#8211; Tham lu\u1eadn H\u1ed9i th\u1ea3o \u201cTh\u1ec3 ch\u1ebf ph\u00e1p l\u00fd v\u1ec1 t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0\u201d do Vi\u1ec7n Khoa h\u1ecdc Ph\u00e1p l\u00fd, B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c ng\u00e0y 28-10-2022 t\u1ea1i TP HCM<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-34519 size-medium alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/10\/Banks-and-technology-giants-are-losing-their-experts.jpg-450x338.webp\" alt=\"B\u00ecnh lu\u1eadn v\u1ec1 Th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0.\" width=\"450\" height=\"338\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/10\/Banks-and-technology-giants-are-losing-their-experts.jpg-450x338.webp 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/10\/Banks-and-technology-giants-are-losing-their-experts.jpg-768x576.webp 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/10\/Banks-and-technology-giants-are-losing-their-experts.jpg.webp 800w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h5><strong>1. Th\u1ef1c tr\u1ea1ng th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd <\/strong><strong>ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n<h5><strong><em>1.1. C\u00e1ch m\u1ea1ng C\u00f4ng nghi\u1ec7p 4.0 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng:<\/em><\/strong><\/h5>\n<h6>1.1.1. T\u00e1c \u0111\u1ed9ng c\u1ee7a C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0:<\/h6>\n<p>Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u1ed1i kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c, k\u1ec3 c\u1ea3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u0169ng nh\u01b0 ng\u00e2n h\u00e0ng \u0111ang bi\u1ebfn \u0111\u1ed5i trong b\u1ed1i c\u1ea3nh di\u1ec5n ra cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0.<\/p>\n<p>C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 l\u00e0 m\u1ed9t c\u1ea5p \u0111\u1ed9 ph\u00e1t tri\u1ec3n v\u01b0\u1ee3t b\u1eadc c\u1ee7a c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1, gi\u00fap cho vi\u1ec7c k\u1ebft n\u1ed1i to\u00e0n di\u1ec7n, t\u1ee9c th\u1eddi gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn, c\u00f4ng \u0111o\u1ea1n s\u1ea3n xu\u1ea5t, kinh doanh trong doanh nghi\u1ec7p; gi\u1eefa doanh nghi\u1ec7p v\u1edbi \u0111\u1ed1i t\u00e1c v\u00e0 gi\u1eefa s\u1ea3n ph\u1ea9m v\u1edbi con ng\u01b0\u1eddi m\u1ed9t c\u00e1ch th\u1ea7n k\u1ef3. N\u00f3 c\u0169ng gi\u00fap t\u1ea1o ra c\u00e1c m\u00e1y m\u00f3c, c\u00f4ng x\u01b0\u1edfng, s\u1ea3n ph\u1ea9m v\u00e0 m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i th\u00f4ng minh, linh ho\u1ea1t r\u1ea5t cao, t\u1ed1i \u01b0u ho\u00e1 ngu\u1ed3n l\u1ef1c, quy tr\u00ecnh, n\u0103ng su\u1ea5t, hi\u1ec7u qu\u1ea3, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng v\u00e0 gi\u00fap th\u1ebf gi\u1edbi thay \u0111\u1ed5i t\u1eebng ng\u00e0y v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u00f3ng m\u1eb7t. C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 c\u0169ng t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf &#8211; t\u00e0i ch\u00ednh n\u00f3i chung, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n<p>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 \u1ee9ng d\u1ee5ng m\u1edbi nh\u01b0 chu\u1ed7i kh\u1ed1i (Blockchain), tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AL), x\u1eed l\u00fd t\u1eadp d\u1eef li\u1ec7u l\u1edbn (Big data), \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y, k\u1ebft n\u1ed1i internet v\u1ea1n v\u1eadt,\u2026 \u0111\u00e3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 qu\u1ea3n tr\u1ecb h\u1ec7 th\u1ed1ng nh\u1edd qu\u00e1 tr\u00ecnh ph\u00e2n t\u00edch, x\u1eed l\u00fd th\u00f4ng tin, d\u1eef li\u1ec7u nhanh ch\u00f3ng, ch\u00ednh x\u00e1c v\u00e0 kh\u00e1ch quan; nh\u1eadn bi\u1ebft v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng; t\u1ef1 \u0111\u1ed9ng ho\u00e1 nhi\u1ec1u nghi\u1ec7p v\u1ee5 v\u00e0 ho\u1ea1t \u0111\u1ed9ng; gi\u1ea3m thi\u1ec3u c\u00e1c kh\u00e2u trung gian, t\u1ed1i \u01b0u ho\u00e1 quy tr\u00ecnh v\u00e0 th\u1eddi gian x\u1eed l\u00fd giao d\u1ecbch; h\u1ea1n ch\u1ebf t\u1ed1i \u0111a sai s\u00f3t v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng; gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed v\u00e0 ki\u1ec3m so\u00e1t tu\u00e2n th\u1ee7 h\u1eefu hi\u1ec7u.<\/p>\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 k\u00e9o d\u00e0i trong 03 n\u0103m qua (2020 \u2013 2022) c\u0169ng \u0111\u00e3 th\u00fac \u0111\u1ea9y m\u1ea1nh m\u1ebd h\u01a1n vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n<h6>1.1.2. Th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng:<\/h6>\n<p>C\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u00e3 t\u1ea1o ra c\u00e1c l\u0129nh v\u1ef1c kinh doanh m\u1edbi, c\u00e1c m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1edbi, v\u1edbi c\u00e1c c\u1ea5p \u0111\u1ed9 kh\u00e1c nhau nh\u01b0 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn, ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1, \u00e1p d\u1ee5ng cho nhi\u1ec1u d\u1ecbch v\u1ee5 t\u1eeb huy \u0111\u1ed9ng, cho vay, thanh to\u00e1n, giao d\u1ecbch ngo\u1ea1i h\u1ed1i v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c. Ngo\u00e0i ra, n\u00f3 c\u00f2n th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u1ea3ng m\u1edf r\u1ed9ng s\u1ef1 li\u00ean k\u1ebft, h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech), nh\u1ea5t l\u00e0 trong l\u0129nh v\u1ef1c thanh to\u00e1n (nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, mobi-money) v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng.<\/p>\n<p>M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 cho kh\u00e1ch h\u00e0ng v\u00e0 ph\u00e1t tri\u1ec3n nh\u1eefng d\u1ecbch v\u1ee5 m\u1edbi, nh\u01b0 cho ph\u00e9p kh\u00e1ch h\u00e0ng chuy\u1ec3n ti\u1ec1n qua m\u1ea1ng x\u00e3 h\u1ed9i (Facebook, Zalo,..) hay r\u00fat ti\u1ec1n t\u1ea1i ATM kh\u00f4ng c\u1ea7n d\u00f9ng th\u1ebb. C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 tri\u1ec3n khai nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c, k\u00eanh thanh to\u00e1n \u0111a d\u1ea1ng, ti\u1ec7n l\u1ee3i, nhanh ch\u00f3ng, 24\/7 nh\u01b0 QR Code, thanh to\u00e1n kh\u00f4ng ch\u1ea1m (kh\u00f4ng ti\u1ebfp x\u00fac), VISA v\u00e0 POS tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e0nh \u0111i \u0111\u1ea7u v\u1ec1 h\u1ed9i nh\u1eadp v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, s\u00e2u r\u1ed9ng, \u0111\u1ed3ng th\u1eddi \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng k\u1ebft qu\u1ea3 r\u1ea5t \u1ea5n t\u01b0\u1ee3ng, ti\u1ec7m c\u1eadn v\u1edbi tr\u00ecnh \u0111\u1ed9 ti\u00ean ti\u1ebfn nh\u1ea5t tr\u00ean th\u1ebf gi\u1edbi. Ch\u1eb3ng h\u1ea1n v\u1ec1 t\u1ed1c \u0111\u1ed9 chuy\u1ec3n ti\u1ec1n, t\u00f4i c\u00f3 ng\u01b0\u1eddi nh\u00e0 \u1edf M\u1ef9 n\u00f3i r\u1eb1ng, vi\u1ec7c chuy\u1ec3n ti\u1ec1n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i n\u01b0\u1edbc M\u1ef9 ch\u1eadm h\u01a1n \u1edf Vi\u1ec7t Nam r\u1ea5t nhi\u1ec1u, c\u00f3 khi m\u1ea5t t\u1edbi v\u00e0i ng\u00e0y, trong khi \u1edf Vi\u1ec7t Nam th\u01b0\u1eddng ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y cho \u0111\u1ebfn v\u00e0i ti\u1ebfng.<\/p>\n<p>T\u1ea5t nhi\u00ean, vi\u1ec7c x\u1eed l\u00fd giao d\u1ecbch n\u00f3i chung, vi\u1ec7c thanh to\u00e1n v\u00e0 chuy\u1ec3n ti\u1ec1n n\u00f3i ri\u00eang, nhanh hay ch\u1eadm kh\u00f4ng h\u1eb3n ch\u1ec9 do c\u00f4ng ngh\u1ec7 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, m\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng r\u00e0ng bu\u1ed9c, \u0111\u00f2i h\u1ecfi v\u00e0 ki\u1ec3m so\u00e1t m\u1edd t\u1ecf, ch\u1eb7t l\u1ecfng kh\u00e1c nhau c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>D\u00f9 \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ph\u00e1t tri\u1ec3n \u0111\u1ed9t ph\u00e1 v\u00e0 m\u1ea1nh m\u1ebd, nh\u01b0ng v\u1ec1 th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng Vi\u1ec7t Nam th\u00ec v\u1eabn c\u00f2n kh\u00f4ng \u00edt s\u1ef1 ng\u1ed5n ngang, dang d\u1edf, v\u01b0\u1edbng m\u1eafc.<\/p>\n<h5><strong><em>1.2. Th\u1ef1c tr\u1ea1ng th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng:<\/em><\/strong><\/h5>\n<h6>1.2.1. T\u1ed5ng quan v\u1ec1 ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/h6>\n<p>Ng\u00e2n h\u00e0ng l\u00e0 l\u0129nh v\u1ef1c kinh doanh chuy\u00ean ng\u00e0nh \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng ph\u00e1p l\u1ec7nh t\u1eeb n\u0103m 1990 (Ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh n\u0103m 1990) v\u00e0 b\u1eb1ng lu\u1eadt t\u1eeb n\u0103m 1997 (Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997).<\/p>\n<p>Ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng bao g\u1ed3m nhi\u1ec1u lo\u1ea1i v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, t\u1eeb Hi\u1ebfn ph\u00e1p cho \u0111\u1ebfn c\u00e1c th\u00f4ng t\u01b0 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam.<\/p>\n<p>R\u1ea5t \u00edt l\u0129nh v\u1ef1c chuy\u00ean ng\u00e0nh nh\u01b0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong Hi\u1ebfn ph\u00e1p. C\u1ee5 th\u1ec3 l\u00e0 Hi\u1ebfn ph\u00e1p n\u0103m 2013 c\u00f3 02 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 55 \u201c\u0110\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 qu\u1ed1c gia l\u00e0 \u0110\u1ed3ng Vi\u1ec7t Nam\u201d v\u00e0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 70 v\u1ec1 m\u1ed9t trong nh\u1eefng nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a Qu\u1ed1c h\u1ed9i l\u00e0 \u201c<em>Quy\u1ebft \u0111\u1ecbnh ch\u00ednh s\u00e1ch c\u01a1 b\u1ea3n v\u1ec1 t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7 qu\u1ed1c gia<\/em>\u201d.<\/p>\n<p>\u0110\u1ebfn cu\u1ed1i n\u0103m 2022, ph\u00e1p lu\u1eadt tr\u1ef1c ti\u1ebfp \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng g\u1ed3m c\u00f3 5 \u0111\u1ea1o lu\u1eadt; 01 Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i; 01 Ph\u00e1p l\u1ec7nh c\u1ee7a U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i v\u00e0 h\u00e0ng tr\u0103m v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt kh\u00e1c, nh\u01b0 c\u00e1c Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, ngh\u1ecb quy\u1ebft c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao, c\u00e1c Th\u00f4ng t\u01b0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam.<\/p>\n<p>Ngo\u00e0i ra, c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan tr\u1ef1c ti\u1ebfp ho\u1eb7c gi\u00e1n ti\u1ebfp \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn h\u00e0ng ngh\u00ecn v\u0103n b\u1ea3n thu\u1ed9c m\u1ecdi l\u0129nh v\u1ef1c kh\u00e1c nhau, t\u1eeb ch\u0103n nu\u00f4i, tr\u1ed3ng tr\u1ecdt, th\u1ef1c ph\u1ea9m, th\u01b0\u01a1ng m\u1ea1i, cho \u0111\u1ebfn x\u00e2y d\u1ef1ng, c\u00f4ng ngh\u1ec7, y t\u1ebf, gi\u00e1o d\u1ee5c, m\u00f4i tr\u01b0\u1eddng, v.v\u2026<\/p>\n<p>D\u1ef1a theo l\u0129nh v\u1ef1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u00ec ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e2n chia th\u00e0nh 02 nh\u00f3m, \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (bao g\u1ed3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i).<\/p>\n<p>Tuy nhi\u00ean, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn trong t\u00ecnh tr\u1ea1ng lu\u1eadt khung, mang t\u00ednh nguy\u00ean t\u1eafc. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 r\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quan tr\u1ecdng v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng nh\u01b0 g\u1eedi ti\u1ec1n, thanh to\u00e1n, t\u00edn d\u1ee5ng, b\u1ea3o l\u00e3nh, ngo\u1ea1i h\u1ed1i, b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh,\u2026 v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ho\u1eb7c m\u1edbi ch\u1ec9 quy \u0111\u1ecbnh mang t\u00ednh nguy\u00ean t\u1eafc trong lu\u1eadt, m\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0, trong khi l\u1ea1i c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c, th\u1eadm ch\u00ed tr\u00e1i ng\u01b0\u1ee3c v\u1edbi c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c. Giai \u0111o\u1ea1n 1998 \u2013 2010 nhi\u1ec1u n\u1ed9i dung v\u1ec1 t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong lu\u1eadt<a href=\"#_ftn2\" name=\"_ftnref2\"><sup>[2]<\/sup><\/a>.<\/p>\n<h6>1.2.2. \u0110\u1eb7c th\u00f9 c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/h6>\n<p>M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ed9 v\u00eanh, th\u1eadm ch\u00ed m\u00e2u thu\u1eabn v\u1edbi c\u00e1c quy \u0111\u1ecbnh chung c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>Do s\u1ef1 bi\u1ebfn \u0111\u1ed9ng l\u1edbn v\u00e0 li\u00ean t\u1ee5c c\u1ee7a n\u1ec1n kinh t\u1ebf, x\u00e3 h\u1ed9i, n\u00ean ph\u00e1p lu\u1eadt v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u0169ng th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung, thay th\u1ebf. Cao \u0111i\u1ec3m l\u00e0 n\u0103m 2018 ri\u00eang Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh 53 th\u00f4ng t\u01b0, sau \u0111\u00f3 trong 03 n\u0103m t\u1eeb 2019 \u2013 2021, b\u00ecnh qu\u00e2n ban h\u00e0nh 29 th\u00f4ng t\u01b0 m\u1ed7i n\u0103m.<\/p>\n<p>C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i chung, ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt v\u00e0 quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3 h\u01a1n nhi\u1ec1u so v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c. V\u1edbi quy \u0111\u1ecbnh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010<a href=\"#_ftn3\" name=\"_ftnref3\"><sup>[3]<\/sup><\/a>, g\u1ea7n nh\u01b0 \u0111\u00e3 c\u1ea5m c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kinh doanh m\u1ea5y ngh\u00ecn ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh nh\u01b0 c\u00e1c doanh nghi\u1ec7p kh\u00e1c.<\/p>\n<p>T\u1ee9c l\u00e0, kh\u00e1c v\u1edbi c\u00e1c doanh nghi\u1ec7p n\u00f3i chung, li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec ph\u00e1p lu\u1eadt cho ph\u00e9p, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m.<\/p>\n<h6>1.2.3. C\u00e1c Lu\u1eadt, Ph\u00e1p l\u1ec7nh v\u00e0 Ngh\u1ecb quy\u1ebft v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng do Qu\u1ed1c h\u1ed9i v\u00e0 U\u1ef7 ban th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i ban h\u00e0nh (c\u00f9ng v\u1edbi c\u00e1c v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung va gia h\u1ea1n):<\/h6>\n<ul>\n<li>Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005.<\/li>\n<li>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010.<\/li>\n<li>Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam n\u0103m 2010.<\/li>\n<li>Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi n\u0103m 2012.<\/li>\n<li>Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2012.<\/li>\n<li>Ngh\u1ecb quy\u1ebft s\u1ed1 42\/2017\/NQ-QH13 v\u1ec1 \u201cX\u1eed l\u00fd n\u1ee3 x\u1ea5u\u201d.<\/li>\n<li>Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005.<\/li>\n<\/ul>\n<h6>1.2.4. M\u1ed9t s\u1ed1 Ngh\u1ecb \u0111\u1ecbnh quan tr\u1ecdng v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng do Ch\u00ednh ph\u1ee7 ban h\u00e0nh (c\u00f9ng v\u1edbi c\u00e1c v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) v\u00e0 c\u00f3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u00e1ch h\u00e0ng:<\/h6>\n<ul>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP ng\u00e0y 04-10-2002 v\u1ec1 \u201cT\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 28\/2005\/N\u0110-CP ng\u00e0y 09-3-2005 \u201cQuy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh quy m\u00f4 nh\u1ecf t\u1ea1i Vi\u1ec7t Nam\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 35\/2007\/N\u0110-CP ng\u00e0y 08-3-2007 v\u1ec1 Giao d\u1ecbch \u0111i\u1ec7n t\u1eed trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 24\/2012\/N\u0110-CP ng\u00e0y 03-4-2012 v\u1ec1 \u201cQu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0ng\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 40\/2012\/N\u0110-CP ng\u00e0y 02-5-2012 v\u1ec1 \u201cNghi\u1ec7p v\u1ee5 ph\u00e1t h\u00e0nh ti\u1ec1n; b\u1ea3o qu\u1ea3n, v\u1eadn chuy\u1ec3n t\u00e0i s\u1ea3n qu\u00fd v\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 trong h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP ng\u00e0y 22-11-2012 c\u1ee7a v\u1ec1 \u201cThanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 53\/2013\/N\u0110-CP ng\u00e0y 18-5-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cTh\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 68\/2013\/N\u0110-CP ng\u00e0y 28-6-2013 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 116\/2013\/N\u0110-CP ng\u00e0y 04-10-2013 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 219\/2013\/N\u0110-CP ng\u00e0y 26-12-2013 v\u1ec1 \u201cQu\u1ea3n l\u00fd vay, tr\u1ea3 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 222\/2013\/N\u0110-CP ng\u00e0y 31-12-2013 v\u1ec1 \u201cThanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP ng\u00e0y 07-5-2014 v\u1ec1 \u201cHo\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 70\/2014\/N\u0110-CP ng\u00e0y 17-7-2014 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i v\u00e0 Ph\u00e1p l\u1ec7nh s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 55\/2015\/N\u0110-CP ng\u00e0y 09-6-2015 v\u1ec1 \u201cCh\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 135\/2015\/N\u0110-CP ng\u00e0y 31-12-2015 \u201cQuy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea7u t\u01b0 gi\u00e1n ti\u1ebfp ra n\u01b0\u1edbc ngo\u00e0i\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 89\/2016\/N\u0110-CP ng\u00e0y 01-7-2016 \u201cQuy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd \u0111\u1ed5i ngo\u1ea1i t\u1ec7, ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 nh\u1eadn v\u00e0 chi, tr\u1ea3 ngo\u1ea1i t\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf\u201d.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 117\/2018\/N\u0110-CP ng\u00e0y 11-9-2018 v\u1ec1 vi\u1ec7c \u201cGi\u1eef b\u00ed m\u1eadt, cung c\u1ea5p th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d;<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 58\/2021\/N\u0110-CP ng\u00e0y 10-6-2021 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 th\u00f4ng tin t\u00edn d\u1ee5ng\u201d.<\/li>\n<\/ul>\n<h6>1.2.5. M\u1ed9t s\u1ed1 Th\u00f4ng t\u01b0 quan tr\u1ecdng v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh (c\u00f9ng v\u1edbi c\u00e1c v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) c\u00f3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u00e1ch h\u00e0ng:<\/h6>\n<ul>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 34\/2013\/TT-NHNN ng\u00e0y 31-12-2013 \u201cQuy \u0111\u1ecbnh v\u1ec1 ph\u00e1t h\u00e0nh k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, tr\u00e1i phi\u1ebfu trong n\u01b0\u1edbc c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19-8-2014 \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 39\/2014\/TT-NHNN ng\u00e0y 11-12-2014 \u201cH\u01b0\u1edbng d\u1eabn v\u1ec1 d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 04\/2015\/TT-NHNN ng\u00e0y 31-3-2015 \u201cQuy \u0111\u1ecbnh v\u1ec1 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 07\/2015\/TT-NHNN ng\u00e0y 26-6-2015 \u201cQuy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 22\/2015\/TT-NHNN ng\u00e0y 20-11-2015 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng v\u00e0 s\u1eed d\u1ee5ng s\u00e9c\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30-6-2016 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 48\/2018\/TT-NHNN ng\u00e0y 31-12-2018 \u201cQuy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 49\/2018\/TT-NHNN ng\u00e0y 31-12-2018 \u201cQuy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 22\/2019\/TT-NHNN ng\u00e0y 15-11-2019 \u201cQuy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d.<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 11\/2021\/TT-NHNN ng\u00e0y 30-7-2021 \u201cQuy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3, m\u1ee9c tr\u00edch, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d.<\/li>\n<\/ul>\n<h5><strong>2. Th\u1ef1c ti\u1ec5n thi h\u00e0nh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng<\/strong><strong>:<\/strong><\/h5>\n<h5><strong><em>2.1. Th\u1ef1c<\/em><\/strong><strong><em> ti\u1ec5n thi h\u00e0nh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/em><\/strong><\/h5>\n<h6>2.1.1. Th\u1ef1c ti\u1ec5n \u1ee9ng x\u1eed v\u1edbi ti\u1ec1n \u1ea3o:<\/h6>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, ti\u1ec1n \u1ea3o (virtual currency) kh\u00e1c v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed (E-money<a href=\"#_ftn4\" name=\"_ftnref4\"><sup>[4]<\/sup><\/a>). T\u1eeb n\u0103m 2012, ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt t\u1ea1i \u0111i\u1ec3m \u0111 kho\u1ea3n 3 \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2012. Tuy nhi\u00ean cho \u0111\u1ebfn nay, ph\u00e1p lu\u1eadt v\u1eabn ch\u01b0a c\u00f3 s\u1ef1 gi\u1ea3i th\u00edch th\u1ebf n\u00e0o l\u00e0 ti\u1ec1n \u1ea3o v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/p>\n<p>Ph\u00e1p lu\u1eadt m\u1edbi ch\u1ec9 c\u00f4ng nh\u1eadn 09 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n h\u1ee3p ph\u00e1p l\u00e0 ti\u1ec1n m\u1eb7t v\u00e0 08 ph\u01b0\u01a1ng th\u1ee9c kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t g\u1ed3m: s\u00e9c; l\u1ec7nh chi; \u1ee7y nhi\u1ec7m chi; nh\u1edd thu; \u1ee7y nhi\u1ec7m thu; th\u1ebb ng\u00e2n h\u00e0ng (lo\u1ea1i tr\u1ea3 tr\u01b0\u1edbc); v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 ti\u1ec1n di \u0111\u1ed9ng (mobile money). Theo \u0111\u00f3, ti\u1ec1n \u1ea3o kh\u00f4ng ph\u1ea3i l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n h\u1ee3p ph\u00e1p, v\u00ec ch\u01b0a \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u1eeba nh\u1eadn.<\/p>\n<p>Tuy nhi\u00ean, c\u00e1c giao d\u1ecbch t\u1ea1o ra, \u0111\u00e0o, mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, t\u1eb7ng cho,\u2026 v\u1eabn kh\u00f4ng b\u1ecb ph\u00e1p lu\u1eadt c\u1ea5m. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng ch\u1ea5p nh\u1eadn b\u1ea5t c\u1ee9 lo\u1ea1i giao d\u1ecbch, ho\u1ea1t \u0111\u1ed9ng n\u00e0o li\u00ean quan \u0111\u1ebfn ti\u1ec1n \u1ea3o th\u00f4ng qua ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean Ch\u1ec9 th\u1ecb s\u1ed1 10\/CT-TTg ng\u00e0y 11-4-2018 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cT\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan t\u1edbi Bitcoin v\u00e0 c\u00e1c lo\u1ea1i ti\u1ec1n \u1ea3o t\u01b0\u01a1ng t\u1ef1 kh\u00e1c\u201d v\u00e0 Ch\u1ec9 th\u1ecb s\u1ed1 02\/CT-NHNN ng\u00e0y 13-4-2018 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cC\u00e1c bi\u1ec7n ph\u00e1p t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t c\u00e1c giao d\u1ecbch, ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn ti\u1ec1n \u1ea3o\u201d.<\/p>\n<p>Vi\u1ec7c ng\u0103n ch\u1eb7n m\u1ecdi giao d\u1ecbch, ho\u1ea1t \u0111\u1ed9ng ti\u1ec1n \u1ea3o qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng r\u00f5 v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd, ngo\u1ea1i tr\u1eeb vi\u1ec7c kh\u00f4ng th\u1eeba nh\u1eadn l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, v\u00ec 02 Ch\u1ec9 th\u1ecb n\u00e0y kh\u00f4ng ph\u1ea3i v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n<h6>2.1.2. Th\u1ef1c ti\u1ec5n \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech):<\/h6>\n<p>C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) l\u00e0 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o v\u00e0 hi\u1ec7n \u0111\u1ea1i v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng nh\u01b0 d\u1ecbch v\u1ee5 thanh to\u00e1n, chuy\u1ec3n ti\u1ec1n, t\u00edn d\u1ee5ng (g\u1ed3m c\u1ea3 cho vay ngang h\u00e0ng &#8211; P2P Lending), h\u1ed7 tr\u1ee3 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, huy \u0111\u1ed9ng v\u1ed1n, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 kh\u00e1c nh\u01b0 Blockchain, nh\u1eb1m h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng \u0111\u1ec3 cung \u1ee9ng cho kh\u00e1ch h\u00e0ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh minh b\u1ea1ch, hi\u1ec7u qu\u1ea3 v\u00e0 thu\u1eadn ti\u1ec7n, v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n h\u1eb3n so v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng.<\/p>\n<p>Tuy nhi\u00ean, \u0111\u1ebfn cu\u1ed1i th\u00e1ng 10-2022, ph\u00e1p lu\u1eadt ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 P2P Lending c\u0169ng nh\u01b0 nhi\u1ec1u \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n<p>C\u00e1c App huy \u0111\u1ed9ng v\u00e0 cho vay tr\u00ean th\u1ef1c t\u1ebf n\u1edf r\u1ed9, trong khi ph\u00e1p lu\u1eadt kh\u00f4ng th\u1ec3 hi\u1ec7n r\u00f5 l\u00e0 cho hay kh\u00f4ng (kh\u00f4ng c\u1ea5m) v\u00e0 g\u1ea7n nh\u01b0 kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p, \u0111\u00e2u l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n<p>Kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 quy \u0111\u1ecbnh: \u201c<em>2. Nghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, tr\u1eeb giao d\u1ecbch k\u00fd qu\u1ef9, giao d\u1ecbch mua, b\u00e1n l\u1ea1i ch\u1ee9ng kho\u00e1n c\u1ee7a c\u00f4ng ty ch\u1ee9ng kho\u00e1n<\/em>\u201d. T\u1ee9c l\u00e0 nghi\u00eam c\u1ea5m c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kinh doanh, cung \u1ee9ng th\u01b0\u1eddng xuy\u00ean 1, 2 ho\u1eb7c c\u1ea3 3 nghi\u1ec7p v\u1ee5 \u201cnh\u1eadn ti\u1ec1n g\u1eedi\u201d (g\u1ed3m ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi kh\u00e1c); \u201cc\u1ea5p t\u00edn d\u1ee5ng (g\u1ed3m cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c) v\u00e0 \u201ccung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n\u201d (g\u1ed3m cung \u1ee9ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n; th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n s\u00e9c, l\u1ec7nh chi, u\u1ef7 nhi\u1ec7m chi, nh\u1edd thu, u\u1ef7 nhi\u1ec7m thu, th\u1ebb ng\u00e2n h\u00e0ng, th\u01b0 t\u00edn d\u1ee5ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00e1c cho kh\u00e1ch h\u00e0ng th\u00f4ng qua t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng)<a href=\"#_ftn5\" name=\"_ftnref5\"><sup>[5]<\/sup><\/a>. Tuy nhi\u00ean, c\u00e1c lu\u1eadt nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt \u0110\u1ea7u t\u01b0, Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, Lu\u1eadt Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p l\u1ea1i cho ph\u00e9p c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng vay, cho vay v\u1ed1n v\u00e0 b\u1ea3o l\u00e3nh.<\/p>\n<h6>2.1.3. Th\u1ef1c ti\u1ec5n vi\u1ec7c x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng:<\/h6>\n<p>C\u00f4ng ngh\u1ec7 4.0 \u0111\u00e3 gi\u00fap thay \u0111\u1ed5i \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n. Tr\u01b0\u1edbc \u0111\u00e2y, \u0110i\u1ec1u 14 v\u1ec1 \u201cTr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19-8-2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d quy \u0111\u1ecbnh, khi k\u00fd h\u1ee3p \u0111\u1ed3ng m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp ch\u1ee7 t\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. Ch\u1ec9 ri\u00eang tr\u01b0\u1eddng h\u1ee3p c\u00e1 nh\u00e2n \u1edf n\u01b0\u1edbc ngo\u00e0i, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp th\u00ec m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng th\u00f4ng qua ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd ho\u1eb7c b\u00ean trung gian. Sau 3 l\u1ea7n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u00e0o c\u00e1c n\u0103m 2016, 2018 v\u00e0 2019 v\u1eabn gi\u1eef nguy\u00ean quy \u0111\u1ecbnh n\u00e0y.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady, t\u1eeb n\u0103m 2021 tr\u1edf \u0111i, Th\u00f4ng t\u01b0 s\u1ed1 16\/2020\/TT-NHNN ng\u00e0y 04-12-2020 m\u1edbi thay \u0111\u1ed5i, b\u1ed5 sung n\u1ed9i dung n\u00eau tr\u00ean. Theo \u0111\u00f3, tr\u01b0\u1eddng h\u1ee3p m\u1edf t\u00e0i kho\u1ea3n b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed th\u00ec kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp, m\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh bi\u1ec7n ph\u00e1p, h\u00ecnh th\u1ee9c, c\u00f4ng ngh\u1ec7 \u0111\u1ec3 nh\u1eadn bi\u1ebft v\u00e0 x\u00e1c minh kh\u00e1ch h\u00e0ng; \u0111\u1ed3ng th\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 r\u1ee7i ro ph\u00e1t sinh, v\u1edbi \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u.<\/p>\n<h6>2.1.4. Th\u1ef1c ti\u1ec5n v\u1ec1 vi ph\u1ea1m ch\u1ebf \u0111\u1ed9 ngo\u1ea1i h\u1ed1i:<\/h6>\n<p>\u0110i\u1ec1u 22 v\u1ec1 \u201cQuy \u0111\u1ecbnh h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i h\u1ed1i\u201d, Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013) quy \u0111\u1ecbnh \u201c<em>tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam,<\/em><em> m\u1ecdi giao d\u1ecbch, thanh to\u00e1n, ni\u00eam y\u1ebft, qu\u1ea3ng c\u00e1o, b\u00e1o gi\u00e1, \u0111\u1ecbnh gi\u00e1, ghi gi\u00e1 trong h\u1ee3p \u0111\u1ed3ng, th\u1ecfa thu\u1eadn v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c t\u01b0\u01a1ng t\u1ef1 kh\u00e1c c\u1ee7a ng\u01b0\u1eddi c\u01b0 tr\u00fa, ng\u01b0\u1eddi kh\u00f4ng c\u01b0 tr\u00fa kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ngo\u1ea1i h\u1ed1i, tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam<\/em>\u201d. N\u1ebfu vi ph\u1ea1m quy \u0111\u1ecbnh n\u00e0y tr\u01b0\u1edbc ng\u00e0y 01-01-2017 (ng\u00e0y B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f3 hi\u1ec7u l\u1ef1c) th\u00ec s\u1ebd b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u00e0 giao d\u1ecbch vi ph\u1ea1m \u201cph\u00e1p lu\u1eadt\u201d s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005<a href=\"#_ftn6\" name=\"_ftnref6\"><sup>[6]<\/sup><\/a>. Tuy nhi\u00ean t\u1eeb ng\u00e0y 01-01-2017 tr\u1edf \u0111i, theo quy \u0111\u1ecbnh kho\u1ea3n 2, \u0110i\u1ec1u 2 v\u1ec1 \u201cC\u00f4ng nh\u1eadn, t\u00f4n tr\u1ecdng, b\u1ea3o v\u1ec7 v\u00e0 b\u1ea3o \u0111\u1ea3m quy\u1ec1n d\u00e2n s\u1ef1\u201d; \u0111i\u1ec3m c kho\u1ea3n 1 \u0110i\u1ec1u 117 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d; \u0110i\u1ec1u 122 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec \u201cquy\u1ec1n d\u00e2n s\u1ef1 ch\u1ec9 c\u00f3 th\u1ec3 b\u1ecb h\u1ea1n ch\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt\u201d v\u00e0 ch\u1ec9 c\u00e1c giao d\u1ecbch vi ph\u1ea1m \u201clu\u1eadt\u201d m\u1edbi b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n<p>Do v\u1eady, t\u1eeb ch\u1ed7 b\u1ea5t k\u1ef3 giao d\u1ecbch n\u00e0o th\u1ec3 hi\u1ec7n b\u1eb1ng ngo\u1ea1i h\u1ed1i \u0111\u1ec1u b\u1ecb v\u00f4 hi\u1ec7u, th\u00ec \u0111\u00e3 thay \u0111\u1ed5i v\u1eabn kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch, tuy nhi\u00ean v\u1eabn b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh. \u0110i\u1ec1u n\u00e0y d\u1eabn t\u1edbi vi\u1ec7c, \u0111i\u1ec1u c\u1ea5m c\u1ee7a Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i \u0111\u00e3 kh\u00f4ng c\u00f2n b\u1ea3o \u0111\u1ea3m gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ea7n thi\u1ebft.<\/p>\n<h6>2.1.5. Th\u1ef1c ti\u1ec5n v\u1ec1 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t:<\/h6>\n<p>Th\u1ef1c t\u1ebf trong nhi\u1ec1u n\u0103m, l\u00e3i su\u1ea5t cho vay (th\u1eadm ch\u00ed c\u1ea3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng) c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Do \u0111\u00f3, sau khi quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t chung, l\u1ea1i ph\u1ea3i bu\u1ed9c t\u1ea1o ra ngo\u1ea1i l\u1ec7, cho ph\u00e9p l\u00e3i su\u1ea5t cho vay c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n 20%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 268 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, m\u00e0 ho\u00e0n to\u00e0n do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t cho vay l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i th\u1ea5p h\u01a1n th\u1ea5p h\u01a1n m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay n\u00f3i chung v\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 th\u1ea5p tr\u1ea7n l\u00e3i su\u1ea5t cho vay theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh: L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. \u201c<em>Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 2, \u0110i\u1ec1u 91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017 quy \u0111\u1ecbnh: \u201c<em>2. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n<p>V\u1edbi 2 \u0111i\u1ec1u lu\u1eadt n\u00f3i tr\u00ean, ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u00fang \u0111\u1eafn v\u00e0 h\u1ee3p l\u00fd l\u00e0: M\u1ecdi tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t l\u00e3i su\u1ea5t 20%\/n\u0103m. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n 20% th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 m\u1ee9c th\u1ea5p h\u01a1n \u0111\u00f3. V\u00ed d\u1ee5, l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi 5 l\u0129nh v\u1ef1c, bao g\u1ed3m: Ph\u1ee5c v\u1ee5 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u; ph\u1ee5c v\u1ee5 kinh doanh c\u1ee7a doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba; ph\u00e1t tri\u1ec3n ng\u00e0nh c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 v\u00e0 ph\u1ee5c v\u1ee5 kinh doanh c\u1ee7a doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao th\u00ec tho\u1ea3 thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 4,5%\/n\u0103m, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 1, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1730\/Q\u0110-NHNN ng\u00e0y 30-9-2020 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 \u201cM\u1ee9c l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch hang h\u00e0ng vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c, ng\u00e0nh kinh t\u1ebf theo quy \u0111\u1ecbnh t\u1ea1i\u00a0Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN\u00a0ng\u00e0y 30-12-2016<a href=\"#_ftn7\" name=\"_ftnref7\"><sup>[7]<\/sup><\/a>\u201d.<\/p>\n<p>Tuy nhi\u00ean, quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, n\u00ean \u0111\u00e3 bu\u1ed9c ph\u1ea3i d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u tr\u00e1i lu\u1eadt. \u0110\u00f3 l\u00e0 Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2019\/NQ-H\u0110TP ng\u00e0y 11-01-2019 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao \u201cH\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t, ph\u1ea1t vi ph\u1ea1m\u201d \u0111\u00e3 x\u00e1c \u0111\u1ecbnh, h\u1ee3p \u0111\u1ed3ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n v\u1ec1 l\u00e3i su\u1ea5t, c\u00f2n h\u1ee3p \u0111\u1ed3ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c th\u00ec b\u1ecb gi\u1edbi h\u1ea1n kh\u00f4ng qu\u00e1 20%\/n\u0103m.<\/p>\n<p>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% (n\u1ebfu t\u00ednh g\u1ed9p c\u1ea3 ph\u00ed t\u00edn d\u1ee5ng) th\u00ec s\u1ebd tri\u1ec7t ti\u00eau th\u1ecb tr\u01b0\u1eddng cho vay n\u00f3i chung, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 cho vay th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng th\u1ee9c c\u00f4ng ngh\u1ec7 n\u00f3i ri\u00eang.<\/p>\n<h6>2.1.6. Th\u1ef1c ti\u1ec5n v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng:<\/h6>\n<p>Th\u00f4ng tin kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c th\u00f4ng tin do kh\u00e1ch h\u00e0ng cung c\u1ea5p v\u00e0 ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung \u1ee9ng c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, bao g\u1ed3m th\u00f4ng tin \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c th\u00f4ng tin v\u1ec1 t\u00e0i kho\u1ea3n, ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi, giao d\u1ecbch, b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c th\u00f4ng tin c\u00f3 li\u00ean quan kh\u00e1c<a href=\"#_ftn8\" name=\"_ftnref8\"><sup>[8]<\/sup><\/a>.<\/p>\n<p>M\u1eb7c d\u00f9 y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o m\u1eadt v\u00e0 cung c\u1ea5p th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng r\u1ea5t cao v\u00e0 ch\u1eb7t ch\u1ebd, trong \u0111\u00f3 c\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao<a href=\"#_ftn9\" name=\"_ftnref9\"><sup>[9]<\/sup><\/a>.<\/p>\n<p>Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00f4i khi b\u1eaft g\u1eb7p tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng g\u1ecdi \u0111i\u1ec7n cho kh\u00e1ch h\u00e0ng c\u00f3 kho\u1ea3n ti\u1ec1n s\u1eafp \u0111\u00e1o h\u1ea1n t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y \u0111\u1ec3 m\u1eddi ch\u00e0o chuy\u1ec1n sang g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c. Kh\u00f4ng kh\u00f3 l\u1eafm khi t\u00ecm th\u00f4ng tin rao b\u00e1n nhi\u1ec1u lo\u1ea1i danh s\u00e1ch kh\u00e1ch h\u00e0ng n\u00f3i chung, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n<p>Th\u00f4ng tin v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 c\u0169ng l\u00e0 th\u00f4ng tin m\u1eadt. Vi\u1ec7c b\u1ea3o m\u1eadt c\u00e1c th\u00f4ng tin giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u00e0y c\u00f3 ph\u1ea7n m\u00e2u thu\u1eabn v\u1edbi y\u00eau c\u1ea7u c\u00f4ng khai th\u00f4ng tin \u0111\u1ec3 tr\u00e1nh r\u1ee7i do cho ng\u01b0\u1eddi th\u1ee9 ba, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00f4ng khai th\u00f4ng tin v\u1ec1 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu v\u00e0 quy\u1ec1n kh\u00e1c \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n (quy\u1ec1n \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n li\u1ec1n k\u1ec1, quy\u1ec1n h\u01b0\u1edfng d\u1ee5ng v\u00e0 quy\u1ec1n b\u1ec1 m\u1eb7t)<a href=\"#_ftn10\" name=\"_ftnref10\"><sup>[10]<\/sup><\/a>.<\/p>\n<h6>2.1.7. Th\u1ef1c ti\u1ec5n v\u1ec1 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/h6>\n<p>Trong khi b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m n\u00f3i chung kh\u00f4ng c\u00f3 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec do th\u1ef1c t\u1ebf c\u1ea7n \u01b0u ti\u00ean x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, n\u00ean bu\u1ed9c ph\u1ea3i quy \u0111\u1ecbnh ngo\u1ea1i l\u1ec7.<\/p>\n<p>Theo \u0111\u00f3, ch\u1ec9 ri\u00eang h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7 v\u1ec1 \u201cQuy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb quy\u1ebft s\u1ed1 42\/2017\/QH14 ng\u00e0y 21-6-2017 c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 \u201cTh\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng \u0111\u1ebfn h\u1ebft ng\u00e0y 31-12-2023 theo Ngh\u1ecb quy\u1ebft s\u1ed1 63\/2022\/QH15 ng\u00e0y 16-6-2022 c\u1ee7a Qu\u1ed1c h\u1ed9i.<\/p>\n<p>Tuy nhi\u00ean, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 cao.<\/p>\n<h6>2.1.8. Th\u1ef1c ti\u1ec5n v\u1ec1 t\u1ed9i ph\u1ea1m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao:<\/h6>\n<p>Vi ph\u1ea1m n\u00f3i chung, t\u1ed9i ph\u1ea1m n\u00f3i ri\u00eang trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00e0 ph\u1ee9c t\u1ea1p. Li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 cao, vi\u1ec7c ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng b\u1ecb m\u1ea5t, b\u1ecb l\u1eeba, b\u1ecb \u0111\u00e1nh c\u1eafp m\u1eadt kh\u1ea9u, b\u1ecb chi\u1ebfm quy\u1ec1n ki\u1ec3m so\u00e1t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng v\u00e0 nh\u1ee9c nh\u1ed1i.<\/p>\n<p>Tuy nhi\u00ean ph\u00e1p lu\u1eadt l\u1ea1i quy \u0111\u1ecbnh thi\u1ebfu h\u1ee3p l\u00fd gi\u1eefa vi\u1ec7c x\u1eed ph\u1ea1t t\u1ed9i ph\u1ea1m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n theo c\u00e1c ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng v\u1edbi t\u1ed9i ph\u1ea1m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao.<\/p>\n<p>Ng\u01b0\u1eddi d\u00f9ng th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u1eeb 500 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t t\u00f9 \u0111\u1ebfn m\u1ee9c cao nh\u1ea5t l\u00e0 t\u00f9 chung th\u00e2n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 174 v\u1ec1 \u201cT\u1ed9i l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015. Trong khi \u0111\u00f3, k\u1ebb s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao nh\u01b0 m\u1ea1ng m\u00e1y t\u00ednh, m\u1ea1ng vi\u1ec5n th\u00f4ng ho\u1eb7c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u1eeb 500 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec l\u1ea1i ch\u1ec9 b\u1ecb ph\u1ea1t t\u00f9 v\u1edbi m\u1ee9c cao nh\u1ea5t l\u00e0 20 n\u0103m t\u00f9 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 290 v\u1ec1 \u201cT\u1ed9i s\u1eed d\u1ee5ng m\u1ea1ng m\u00e1y t\u00ednh, m\u1ea1ng vi\u1ec5n th\u00f4ng, ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed th\u1ef1c hi\u1ec7n h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, trong khi h\u00e0nh vi sau c\u00f3 th\u1ee7 \u0111o\u1ea1n v\u00e0 t\u00ednh ch\u1ea5t nguy hi\u1ec3m h\u01a1n cho x\u00e3 h\u1ed9i, nh\u1ea5t l\u00e0 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t nh\u1ee9c nh\u1ed1i tr\u00ean th\u1ef1c t\u1ebf l\u00e0 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p t\u1ed9i ph\u1ea1m ngang nhi\u00ean nh\u1eadn ti\u1ec1n, chuy\u1ec3n ti\u1ec1n qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c trung gian t\u00e0i ch\u00ednh, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c danh t\u00ednh ch\u1ee7 t\u00e0i kho\u1ea3n do qu\u00e1 nhi\u1ec1u t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, t\u00e0i kho\u1ea3n thu\u00ea bao \u0111i\u1ec7n tho\u1ea1i v\u00e0 t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i \u201cma\u201d, thu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nh\u00e0 m\u1ea1ng. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p n\u1ea1n nh\u00e2n, th\u1eadm ch\u00ed c\u1ea3 c\u01a1 quan c\u00f4ng an hay ch\u00ednh ng\u00e2n h\u00e0ng, ch\u1ee9ng ki\u1ebfn ti\u1ec1n b\u1ecb \u201cc\u01b0\u1edbp\u201d chuy\u1ec3n qua t\u00e0i kho\u1ea3n kh\u00e1c m\u00e0 kh\u00f4ng th\u1ec3 ng\u0103n ch\u1eb7n, do h\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh thi\u1ebfu \u0111\u1ed3ng b\u1ed9, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh x\u1eed l\u00fd ng\u0103n ch\u1eb7n hi\u1ec7u qu\u1ea3, th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng th\u1ec3 x\u1eed l\u00fd k\u1ecbp th\u1eddi v\u00ec quy \u0111\u1ecbnh c\u1ee9ng nh\u1eaft v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng n\u00f3i chung v\u00e0 th\u00f4ng tin giao d\u1ecbch n\u00f3i ri\u00eang.<\/p>\n<h5><strong><em>2.2. Ch\u00ednh s\u00e1ch v\u1ec1 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh:<\/em><\/strong><\/h5>\n<h6>2.2.1. R\u1ea5t nhi\u1ec1u v\u0103n b\u1ea3n ch\u1ec9 \u0111\u1ea1o v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh:<\/h6>\n<ul>\n<li>N\u0103m 2017, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao cho B\u1ed9 T\u01b0 ph\u00e1p, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 B\u1ed9 C\u00f4ng an ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u1ee7 tr\u00ec th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c r\u00e0 so\u00e1t, \u0111\u00e1nh gi\u00e1 th\u1ef1c tr\u1ea1ng v\u00e0 \u0111\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i, b\u1ed5 sung, ban h\u00e0nh m\u1edbi v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed, t\u00e0i s\u1ea3n \u1ea3o, ti\u1ec1n \u1ea3o trong th\u1eddi gian t\u1eeb n\u0103m 2017 \u0111\u1ebfn 2020<a href=\"#_ftn11\" name=\"_ftnref11\"><sup>[11]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2018, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh ph\u00ea duy\u1ec7t \u201cChi\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, trong \u0111\u00f3 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 nh\u01b0 vi\u1ec7c ph\u00e1t tri\u1ec3n ng\u00e0nh Ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn; th\u1eed nghi\u1ec7m ho\u1ea1t \u0111\u1ed9ng Fintech (sandbox), trong \u0111\u00f3 c\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng<a href=\"#_ftn12\" name=\"_ftnref12\"><sup>[12]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2019, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb quy\u1ebft v\u1ec1 vi\u1ec7c \u201cth\u1ef1c hi\u1ec7n th\u00ed \u0111i\u1ec3m c\u00e1c m\u00f4 h\u00ecnh thanh to\u00e1n m\u1edbi, c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech), nghi\u00ean c\u1ee9u vi\u1ec7c n\u1ea1p ti\u1ec1n v\u00e0o v\u00ed \u0111i\u1ec7n t\u1eed kh\u00f4ng th\u00f4ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi, gi\u1ea3i ph\u00e1p \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o v\u00e0o l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d<a href=\"#_ftn13\" name=\"_ftnref13\"><sup>[13]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2020, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb quy\u1ebft v\u1ec1 vi\u1ec7c \u201cBan h\u00e0nh khu\u00f4n kh\u1ed5 th\u1ec3 ch\u1ebf qu\u1ea3n l\u00fd th\u1eed nghi\u1ec7m (sandbox) \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d<a href=\"#_ftn14\" name=\"_ftnref14\"><sup>[14]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2020, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao cho B\u1ed9 T\u00e0i ch\u00ednh \u201cCh\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc x\u00e2y d\u1ef1ng khung th\u1ec3 ch\u1ebf th\u1eed nghi\u1ec7m cho c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) theo c\u00e1c th\u00f4ng l\u1ec7 t\u1ed1t tr\u00ean th\u1ebf gi\u1edbi, t\u1ea1o thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 m\u1edbi\u201d; \u201cCh\u1ee7 tr\u00ec, x\u00e2y d\u1ef1ng khung th\u1ec3 ch\u1ebf cho c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) g\u1eafn li\u1ec1n v\u1edbi ch\u00ednh s\u00e1ch khuy\u1ebfn kh\u00edch ho\u1ea1t \u0111\u1ed9ng v\u00e0 giao d\u1ecbch doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p s\u00e1ng t\u1ea1o\u201d; \u201cPh\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t ngu\u1ed3n v\u1ed1n, l\u01b0u chuy\u1ec3n v\u1ed1n th\u00f4ng qua c\u00e1c h\u00ecnh th\u1ee9c ti\u1ec1n s\u1ed1, t\u00e0i s\u1ea3n s\u1ed1; huy \u0111\u1ed9ng v\u1ed1n m\u1edbi nh\u01b0 ph\u00e1t h\u00e0nh ti\u1ec1n \u1ea3o v\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, ti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh\u201d<a href=\"#_ftn15\" name=\"_ftnref15\"><sup>[15]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2021, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ti\u1ebfp t\u1ee5c ra Ngh\u1ecb quy\u1ebft giao cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, c\u01a1 quan li\u00ean quan ti\u1ebfp thu \u0111\u1ea7y \u0111\u1ee7 \u00fd ki\u1ebfn c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean Ch\u00ednh ph\u1ee7 trong qu\u00e1 x\u00e2y d\u1ef1ng Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, tr\u00ecnh Ch\u00ednh ph\u1ee7 trong qu\u00fd IV n\u0103m 2021<a href=\"#_ftn16\" name=\"_ftnref16\"><sup>[16]<\/sup><\/a>.<\/li>\n<li>N\u0103m 2021, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 cho ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n th\u00f4ng qua t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng (Mobile-Money) nh\u1eb1m t\u1eadn d\u1ee5ng h\u1ea1 t\u1ea7ng, d\u1eef li\u1ec7u, m\u1ea1ng l\u01b0\u1edbi vi\u1ec5n th\u00f4ng, gi\u1ea3m c\u00e1c chi ph\u00ed x\u00e3 h\u1ed9i \u0111\u1ec3 ph\u00e1t tri\u1ec3n, m\u1edf r\u1ed9ng k\u00eanh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng, mang l\u1ea1i ti\u1ec7n \u00edch cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng. Doanh nghi\u1ec7p c\u00f3 vi\u1ec5n th\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n V\u00ed \u0111i\u1ec7n t\u1eed. Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd thu\u00ea bao di \u0111\u1ed9ng \u0111\u01b0\u1ee3c ph\u00e9p n\u1ea1p ti\u1ec1n, r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n v\u00e0 thanh to\u00e1n qua t\u00e0i kho\u1ea3n Mobile-Money cho c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 h\u1ee3p ph\u00e1p ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u cu\u1ed9c s\u1ed1ng b\u1eb1ng \u0111\u1ed3ng ti\u1ec1n Vi\u1ec7t Nam \u1edf n\u1ed9i \u0111\u1ecba Vi\u1ec7t Nam, v\u1edbi t\u1ed5ng h\u1ea1n m\u1ee9c giao d\u1ecbch r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n v\u00e0 thanh to\u00e1n kh\u00f4ng qu\u00e1 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng\/t\u00e0i kho\u1ea3n. V\u00e0 th\u1eddi h\u1ea1n th\u00ed \u0111i\u1ec3m l\u00e0 02 n\u0103m k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m doanh nghi\u1ec7p \u0111\u1ea7u ti\u00ean th\u1ef1c hi\u1ec7n th\u00ed \u0111i\u1ec3m \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn tri\u1ec3n khai th\u00ed \u0111i\u1ec3m d\u1ecbch v\u1ee5 Mobile-Money<a href=\"#_ftn17\" name=\"_ftnref17\"><sup>[17]<\/sup><\/a>.<\/li>\n<li>C\u0169ng trong n\u0103m 2021, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cNghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng v\u00e0 th\u00ed \u0111i\u1ec3m s\u1eed d\u1ee5ng ti\u1ec1n \u1ea3o d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i (blockchain)\u201d trong c\u00e1c n\u0103m 2021 \u2013 2023<a href=\"#_ftn18\" name=\"_ftnref18\"><sup>[18]<\/sup><\/a>. Th\u1ef1c ch\u1ea5t l\u00e0 vi\u1ec7c nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng vi\u1ec7c th\u00ed \u0111i\u1ec3m s\u1eed d\u1ee5ng ti\u1ec1n \u0111i\u1ec7n t\u1eed d\u1ef1a tr\u00ean C\u00f4ng ngh\u1ec7 Blockchain, kh\u00e1c v\u1edbi lo\u1ea1i ti\u1ec1n \u1ea3o kh\u00f4ng g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ed3ng ti\u1ec1n qu\u1ed1c gia.<\/li>\n<li>N\u0103m 2021, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 giao cho V\u1ee5 Thanh to\u00e1n ch\u1ee7 tr\u00ec vi\u1ec7c \u201cNghi\u00ean c\u1ee9u c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng\u201d<a href=\"#_ftn19\" name=\"_ftnref19\"><sup>[19]<\/sup><\/a>. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 y\u00eau c\u1ea7u vi\u1ec7c gi\u00e1m s\u00e1t, ki\u1ec3m tra, r\u00e0 so\u00e1t c\u00e1c giao d\u1ecbch th\u1ebb nh\u1eb1m ng\u0103n ch\u1eb7n \u201cgiao d\u1ecbch th\u1ebb kh\u00f4ng ph\u00f9 h\u1ee3p quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt (li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng tr\u00f2 ch\u01a1i c\u00f3 th\u01b0\u1edfng, c\u1edd b\u1ea1c, c\u00e1 \u0111\u1ed9, kinh doanh ngo\u1ea1i h\u1ed1i, ch\u1ee9ng kho\u00e1n, ti\u1ec1n \u1ea3o, ti\u1ec1n \u0111i\u1ec7n t\u1eed&#8230;)\u201d<a href=\"#_ftn20\" name=\"_ftnref20\"><sup>[20]<\/sup><\/a>.<\/li>\n<\/ul>\n<h6>2.2.2. Tuy nhi\u00ean, \u0111\u1ebfn th\u00e1ng 10\/2022, \u0111\u00e3 qua g\u1ea7n 04 n\u0103m k\u1ec3 t\u1eeb khi Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb quy\u1ebft v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n th\u00ed \u0111i\u1ec3m c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh, nh\u01b0ng m\u1edbi ch\u1ec9 c\u00f3 c\u00e1c v\u0103n b\u1ea3n ch\u1ec9 \u0111\u1ea1o, \u0111i\u1ec1u h\u00e0nh, \u0111\u1ed1c th\u00fac, ch\u1ee9 ch\u01b0a c\u00f3 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u00e0o (k\u1ec3 c\u1ea3 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 th\u1eed nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng Fintech) v\u00e0 v\u1eabn ch\u01b0a c\u00f3 doanh nghi\u1ec7p n\u00e0o \u0111\u01b0\u1ee3c ch\u00ednh th\u1ee9c tri\u1ec3n khai c\u00e1c ho\u1ea1t \u0111\u1ed9ng Fintech, ngo\u1ea1i tr\u1eeb ho\u1ea1t \u0111\u1ed9ng v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a c\u00e1c c\u00f4ng ty trung gian thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p t\u1eeb tr\u01b0\u1edbc.<\/h6>\n<h5><strong>3. Ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt: <\/strong><\/h5>\n<h5><strong><em>3.1. Ki\u1ebfn ngh\u1ecb ban h\u00e0nh m\u1edbi c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt:<\/em><\/strong><\/h5>\n<ul>\n<li>S\u1edbm ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh (sau n\u00e0y l\u00e0 Lu\u1eadt) v\u1ec1 C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Sandbox), trong \u0111\u00f3 c\u00f3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7; ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng; P2P Lending; \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain v\u00e0 \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 kh\u00e1c trong ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng.<\/li>\n<li>S\u1edbm ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n \u1ea3o, c\u1ea5m hay kh\u00f4ng c\u1ea5m, cho ph\u00e9p hay kh\u00f4ng cho ph\u00e9p giao d\u1ecbch, ho\u1ea1t \u0111\u1ed9ng n\u00e0o li\u00ean quan \u0111\u1ebfn ti\u1ec1n \u1ea3o;<\/li>\n<li>Ban h\u00e0nh Lu\u1eadt B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<h5><strong><em>3.2. Ki\u1ebfn ngh\u1ecb lu\u1eadt h\u00f3a c\u00e1c v\u0103n b\u1ea3n ph\u00e1p quy hi\u1ec7n h\u00e0nh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf v\u00e0 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd:<\/em><\/strong><\/h5>\n<ul>\n<li>X\u00e2y d\u1ef1ng Lu\u1eadt Ngo\u1ea1i h\u1ed1i tr\u00ean c\u01a1 s\u1edf Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005;<\/li>\n<li>X\u00e2y d\u1ef1ng Lu\u1eadt Thanh to\u00e1n tr\u00ean c\u01a1 s\u1edf 02 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 thanh to\u00e1n kh\u00f4ng b\u1eb1ng ti\u1ec1n m\u1eb7t;<\/li>\n<li>X\u00e2y d\u1ef1ng Lu\u1eadt Huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u00ean c\u01a1 s\u1edf 02 th\u00f4ng t\u01b0 v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi thanh to\u00e1n (kh\u00f4ng k\u1ef3 h\u1ea1n) v\u00e0 ti\u1ec1n g\u1eedi kh\u00e1c c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc;<\/li>\n<li>X\u00e2y d\u1ef1ng Lu\u1eadt T\u00edn d\u1ee5ng tr\u00ean c\u01a1 s\u1edf 03 th\u00f4ng t\u01b0 v\u1ec1 cho vay n\u00f3i chung, cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang v\u00e0 th\u00f4ng t\u01b0 v\u1ec1 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc;<\/li>\n<li>X\u00e2y d\u1ef1ng Lu\u1eadt X\u1eed l\u00fd n\u1ee3 x\u1ea5u tr\u00ean c\u01a1 s\u1edf Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 X\u1eed l\u00fd n\u1ee3 x\u1ea5u. M\u1edf r\u1ed9ng ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u n\u00f3i chung c\u1ee7a n\u1ec1n kinh t\u1ebf, trong \u0111\u00f3 quy \u0111\u1ecbnh th\u1ed1ng nh\u1ea5t, b\u00ecnh \u0111\u1eb3ng v\u1ec1 quy\u1ec1n \u0111\u01b0\u1ee3c hay kh\u00f4ng \u0111\u01b0\u1ee3c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a m\u1ecdi ch\u1ee7 th\u1ec3 nh\u1eadn b\u1ea3o \u0111\u1ea3m n\u00f3i chung v\u00e0 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang.<\/li>\n<\/ul>\n<h5><strong><em>3.3. Ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh:<\/em><\/strong><\/h5>\n<ul>\n<li>S\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh li\u00ean quan c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n,\u2026 v\u1ec1 vi\u1ec7c c\u00f4ng khai c\u00e1c th\u00f4ng tin v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, bao g\u1ed3m c\u1ea3 th\u00f4ng tin ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi, t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/li>\n<li>S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u1ec3 th\u1ed1ng nh\u1ea5t, c\u00f4ng b\u1eb1ng v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay c\u1ee7a m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng cho vay n\u00f3i dung, c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang, theo h\u01b0\u1edbng b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, \u0111\u1ec3 d\u1ef1a v\u00e0o tr\u1ea7n l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/li>\n<li>S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u00e0 Lu\u1eadt X\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh theo h\u01b0\u1edbng:<\/li>\n<li>M\u00f4 t\u1ea3 r\u00f5 h\u00e0nh vi vi ph\u1ea1m, t\u0103ng ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin, gian l\u1eadn, chi\u1ebfm \u0111o\u1ea1t d\u1eef li\u1ec7u, m\u1eadt kh\u1ea9u,\u2026 \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i, d\u1ec5 d\u00e0ng trong vi\u1ec7c ph\u00f2ng ng\u1eeba ng\u0103n ch\u1eb7n, x\u1eed l\u00fd vi ph\u1ea1m m\u1ed9t c\u00e1ch k\u1ecbp th\u1eddi, nghi\u00eam minh v\u00e0 hi\u1ec7u qu\u1ea3;<\/li>\n<li>B\u1ecf t\u1ed9i ph\u1ea1m cho vay l\u00e3i n\u1eb7ng ho\u1eb7c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng, m\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1;<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh h\u00ecnh ph\u1ea1t c\u1ee7a t\u1ed9i \u201cT\u1ed9i s\u1eed d\u1ee5ng m\u1ea1ng m\u00e1y t\u00ednh, m\u1ea1ng vi\u1ec5n th\u00f4ng, ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed th\u1ef1c hi\u1ec7n h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d (\u0110i\u1ec1u 290) \u00edt nh\u1ea5t ph\u1ea3i ngang b\u1eb1ng v\u1edbi \u201cT\u1ed9i l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d (\u0110i\u1ec1u 174).<\/li>\n<\/ul>\n<p><em>(6.900 ch\u1eef)<\/em><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<h5><em>H\u00e0 N\u1ed9i ng\u00e0y <\/em><em>28-10<\/em><em>-2022<\/em><\/h5>\n<p><em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/em><\/p>\n<p><em>Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0\u00a0\u00a0 B\u00e0i vi\u1ebft n\u00e0y tham kh\u1ea3o m\u1ed9t s\u1ed1 n\u1ed9i dung cu\u1ed1n s\u00e1ch \u201cC\u1ea9m nang ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng\u201d, NXB Ch\u00ednh tr\u1ecb Qu\u1ed1c gia S\u1ef1 th\u1eadt, H\u00e0 N\u1ed9i 2021, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\"><sup>[2]<\/sup><\/a>. C\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 51 \u0111\u1ebfn \u0110i\u1ec1u 64, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2004).<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\"><sup>[3]<\/sup><\/a>. \u00a0\u00a0 Kho\u1ea3n 2 \u0110i\u1ec1u 90 v\u1ec1 \u201cPh\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017).<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\"><sup>[4]<\/sup><\/a>. \u00a0\u00a0 Ch\u00fa th\u00edch c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed t\u1ea1i kho\u1ea3n 2, M\u1ee5c III, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 488\/Q\u0110-NHNN ng\u00e0y 27-3-2017 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh \u201cK\u1ebf ho\u1ea1ch \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng giai \u0111o\u1ea1n 2017 \u2013 2020\u201d.<\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\"><sup>[5]<\/sup><\/a>. \u00a0\u00a0 C\u00e1c kho\u1ea3n 12 &#8211; 14, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2016.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\"><sup>[6]<\/sup><\/a>. \u00a0\u00a0 \u0110i\u1ec3m b kho\u1ea3n 1 \u0110i\u1ec1u 122 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d v\u00e0 \u0110i\u1ec1u 127 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\"><sup>[7]<\/sup><\/a>. \u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 13 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d.<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\"><sup>[8]<\/sup><\/a>. \u00a0\u00a0 \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 117\/2018\/N\u0110-CP ng\u00e0y 11-9-2018 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c \u201cGi\u1eef b\u00ed m\u1eadt, cung c\u1ea5p th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d.<\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\"><sup>[9]<\/sup><\/a>. \u0110i\u1ec1u 133 v\u1ec1 \u201cY\u00eau c\u1ea7u b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017).<\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\"><sup>[10]<\/sup><\/a>. \u0110i\u1ec1u 106 v\u1ec1 \u201c\u0110\u0103ng k\u00fd t\u00e0i s\u1ea3n\u201d; \u0110i\u1ec1u 159 v\u1ec1 \u201cQuy\u1ec1n kh\u00e1c \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\"><sup>[11]<\/sup><\/a>. Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1255\/Q\u0110-TTg ng\u00e0y 21-8-2017 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t \u201c\u0110\u1ec1 \u00e1n ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd \u0111\u1ec3 qu\u1ea3n l\u00fd, x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n \u1ea3o, ti\u1ec1n \u0111i\u1ec7n t\u1eed, ti\u1ec1n \u1ea3o\u201d.<\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\"><sup>[12]<\/sup><\/a>. Quy\u1ebft \u0111\u1ecbnh s\u1ed1 986\/Q\u0110-TTg ng\u00e0y 08-8-2018 ph\u00ea duy\u1ec7t \u201cChi\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<p><a href=\"#_ftnref13\" name=\"_ftn13\"><sup>[13]<\/sup><\/a>. Kho\u1ea3n 3 Kho\u1ea3n 2.5, m\u1ee5c 2 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n quy\u1ebft li\u1ec7t c\u00e1c \u0111\u1ed9t ph\u00e1 chi\u1ebfn l\u01b0\u1ee3c, c\u01a1 c\u1ea5u l\u1ea1i n\u1ec1n kinh t\u1ebf, \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u0103ng tr\u01b0\u1edfng\u201d, Ph\u1ea7n II, Ngh\u1ecb quy\u1ebft s\u1ed1 01\/NQ-CP ng\u00e0y 01-01-2019 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cNhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ee7 y\u1ebfu th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i v\u00e0 d\u1ef1 to\u00e1n ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc n\u0103m 2019\u201d.<\/p>\n<p><a href=\"#_ftnref14\" name=\"_ftn14\"><sup>[14]<\/sup><\/a>. Kho\u1ea3n 3.2 M\u1ee5c 3 v\u1ec1 \u201c\u0110\u1ea9y m\u1ea1nh c\u01a1 c\u1ea5u l\u1ea1i n\u1ec1n kinh t\u1ebf g\u1eafn v\u1edbi \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng, n\u00e2ng cao n\u0103ng su\u1ea5t, ch\u1ea5t l\u01b0\u1ee3ng, hi\u1ec7u qu\u1ea3 v\u00e0 s\u1ee9c c\u1ea1nh tranh m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t, hi\u1ec7u qu\u1ea3 h\u01a1n\u201d, Ph\u1ea7n II, Ngh\u1ecb quy\u1ebft s\u1ed1 01\/NQ-CP ng\u00e0y 01-01-2020 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cNhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ee7 y\u1ebfu th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i v\u00e0 d\u1ef1 to\u00e1n ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc n\u0103m 2020\u201d.<\/p>\n<p><a href=\"#_ftnref15\" name=\"_ftn15\"><sup>[15]<\/sup><\/a>. M\u1ee5c 6, Ph\u1ea7n IV, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2289\/Q\u0110-TTg ng\u00e0y 31-12-2020 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh \u201cChi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 \u0111\u1ebfn n\u0103m 2030\u201d.<\/p>\n<p><a href=\"#_ftnref16\" name=\"_ftn16\"><sup>[16]<\/sup><\/a>. \u0110i\u1ec1u 1, Ngh\u1ecb quy\u1ebft s\u1ed1 100\/NQ-CP ng\u00e0y 06-9-2021 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c \u201cTh\u00f4ng qua \u0111\u1ec1 ngh\u1ecb x\u00e2y d\u1ef1ng Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d.<\/p>\n<p><a href=\"#_ftnref17\" name=\"_ftn17\"><sup>[17]<\/sup><\/a>. Quy\u1ebft \u0111\u1ecbnh s\u1ed1 316\/Q\u0110-TTg ng\u00e0y 09-3-2021 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c \u201cPh\u00ea duy\u1ec7t tri\u1ec3n khai th\u00ed \u0111i\u1ec3m d\u00f9ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng thanh to\u00e1n cho c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf\u201d.<\/p>\n<p><a href=\"#_ftnref18\" name=\"_ftn18\"><sup>[18]<\/sup><\/a>. \u0110i\u1ec3m d, m\u1ee5c 5 v\u1ec1 \u201cNghi\u00ean c\u1ee9u, ph\u00e1t tri\u1ec3n, l\u00e0m ch\u1ee7 c\u00e1c c\u00f4ng ngh\u1ec7 l\u00f5i\u201d, ph\u1ea7n VI v\u00e0 Danh m\u1ee5c c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m, Quy\u1ebft \u0111\u1ecbnh s\u1ed1\u00a0942\/Q\u0110-TTg ng\u00e0y 15-6-2021 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t \u201cChi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n Ch\u00ednh ph\u1ee7 \u0111i\u1ec7n t\u1eed h\u01b0\u1edbng t\u1edbi Ch\u00ednh ph\u1ee7 s\u1ed1 giai \u0111o\u1ea1n 2021 &#8211; 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030\u201d.<\/p>\n<p><a href=\"#_ftnref19\" name=\"_ftn19\"><sup>[19]<\/sup><\/a>. \u0110i\u1ec3m 2.2.8, m\u1ee5c IV, \u201cK\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 810\/Q\u0110-NHNN ng\u00e0y 11-5-2021.<\/p>\n<p><a href=\"#_ftnref20\" name=\"_ftn20\"><sup>[20]<\/sup><\/a>. \u0110i\u1ec3m (iii), kho\u1ea3n 2, M\u1ee5c II, Ch\u1ec9 th\u1ecb s\u1ed1 02\/CT-NHNN ng\u00e0y 07-01-2021 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 vi\u1ec7c \u201cT\u0103ng c\u01b0\u1eddng ph\u00f2ng, ch\u1ed1ng, ng\u0103n ng\u1eeba vi ph\u1ea1m ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d.","protected":false},"excerpt":{"rendered":"<p>B\u00ecnh lu\u1eadn v\u1ec1 Th\u1ec3 ch\u1ebf ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0. (ANVI) &#8211; Tham lu\u1eadn H\u1ed9i th\u1ea3o \u201cTh\u1ec3 ch\u1ebf ph\u00e1p l\u00fd v\u1ec1 t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0\u201d do Vi\u1ec7n Khoa h\u1ecdc Ph\u00e1p l\u00fd, B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34519,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[39,37,34,43,29],"class_list":["post-34511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media","tag-cong-ty-luat-anvi","tag-kinh-doanh-sanh-luat","tag-luat-su-doanh-nghiep","tag-luat-su-thuong-mai-dien-tu","tag-truong-thanh-duc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>399. 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