{"id":37906,"date":"2023-09-20T13:22:07","date_gmt":"2023-09-20T06:22:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37906"},"modified":"2024-10-21T14:21:52","modified_gmt":"2024-10-21T07:21:52","slug":"3-581-day-tieu-dung-tang-toc-can-som-co-hanh-lang-phap-ly-cho-sandbox","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-581-day-tieu-dung-tang-toc-can-som-co-hanh-lang-phap-ly-cho-sandbox\/","title":{"rendered":"3.581. \u201c\u0110\u1ea9y\u201d ti\u00eau d\u00f9ng t\u0103ng t\u1ed1c: C\u1ea7n s\u1edbm c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox"},"content":{"rendered":"<h4><span style=\"color: #723918;\">\u201c\u0110\u1ea9y\u201d ti\u00eau d\u00f9ng t\u0103ng t\u1ed1c: C\u1ea7n s\u1edbm c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox<\/span><\/h4>\n<h5><strong style=\"font-size: 16px;\"><em>(SGTT) &#8211; M\u1ed9t trong 3 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng- \u0111ang b\u1ecb suy y\u1ebfu. G\u1ee1 r\u00e0o cho fintech kh\u00f4ng ch\u1ec9 m\u1edf ra \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng m\u1edbi cho n\u1ec1n kinh t\u1ebf m\u00e0 c\u00f2n k\u00edch th\u00edch c\u1ea7u ti\u00eau d\u00f9ng t\u0103ng tr\u1edf l\u1ea1i.<\/em><\/strong><\/h5>\n<h5><strong>C\u1ea7u ti\u00eau d\u00f9ng suy y\u1ebfu, \u201ck\u00edch\u201d b\u1eb1ng c\u00e1ch n\u00e0o?<\/strong><\/h5>\n<p>Ti\u00eau d\u00f9ng v\u1edbi quy m\u00f4 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 70% GDP \u0111ang l\u00e0 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf. V\u1edbi c\u01a1 c\u1ea5u d\u00e2n s\u1ed1 tr\u1ebb, kinh t\u1ebf ph\u00e1t tri\u1ec3n nhanh, c\u00f9ng v\u1edbi xu th\u1ebf h\u1ed9i nh\u1eadp v\u00e0 giao l\u01b0u qu\u1ed1c t\u1ebf l\u1edbn, t\u1ea7ng l\u1edbp trung l\u01b0u t\u0103ng nhanh (10-12%\/n\u0103m), nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng cao h\u01a1n t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng GDP, \u01b0\u1edbc t\u0103ng 7,2-7,4%\/n\u0103m. M\u1eb7c d\u00f9 v\u1eady, hi\u1ec7n t\u1ea1i, ti\u00eau d\u00f9ng \u0111ang t\u0103ng t\u0103ng ch\u1eadm \u0111\u00e1ng lo ng\u1ea1i.<\/p>\n<p>Theo TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf, t\u1ed1c \u0111\u1ed9 t\u0103ng ti\u00eau d\u00f9ng c\u00f3 xu h\u01b0\u1edbng ch\u1eadm l\u1ea1i. T\u1eeb th\u00e1ng 6 \u0111\u1ebfn th\u00e1ng 8 n\u0103m 2023, t\u1ed5ng m\u1ee9c b\u00e1n l\u1ebb h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 (lo\u1ea1i tr\u1eeb y\u1ebfu t\u1ed1 gi\u00e1) ch\u1ec9 t\u0103ng d\u01b0\u1edbi 5%, so v\u1edbi m\u1ee9c tr\u00ean 8% c\u1ee7a nhi\u1ec1u th\u00e1ng tr\u01b0\u1edbc, d\u1eabn \u0111\u1ebfn m\u1ee9c \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng c\u1ee7a ti\u00eau d\u00f9ng 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2023 \u0111\u00e3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 so v\u1edbi c\u00f9ng k\u1ef3 hai n\u0103m tr\u01b0\u1edbc. Trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2023, t\u0103ng tr\u01b0\u1edfng ti\u00eau d\u00f9ng ch\u1ec9 \u0111\u1ea1t 2,68%, gi\u1ea3m so v\u1edbi m\u1ee9c t\u0103ng 6,06% c\u1ee7a c\u00f9ng k\u1ef3 n\u0103m 2022.<\/p>\n<p>\u201cTrong b\u1ed1i c\u1ea3nh xu\u1ea5t kh\u1ea9u v\u00e0 \u0111\u1ea7u t\u01b0 ch\u01b0a th\u1ec3 s\u1edbm kh\u00f4i ph\u1ee5c (nh\u01b0 n\u00eau tr\u00ean), ti\u00eau d\u00f9ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng GDP trong n\u1eeda cu\u1ed1i n\u0103m 2023 c\u0169ng nh\u01b0 c\u00e1c n\u0103m 2024 v\u00e0 2025. Theo t\u00ednh to\u00e1n c\u1ee7a Vi\u1ec7n \u0110\u00e0o t\u1ea1o v\u00e0 nghi\u00ean c\u1ee9u BIDV, t\u1ed1c \u0111\u1ed9 t\u0103ng ti\u00eau d\u00f9ng them 1% th\u00ec c\u00f3 th\u1ec3 s\u1ebd gi\u00fap t\u0103ng tr\u01b0\u1edfng GDP t\u0103ng th\u00eam 0,2%\u201d, TS. L\u1ef1c nh\u1eadn \u0111\u1ecbnh.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf kh\u00f3 kh\u0103n hi\u1ec7n nay, c\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p k\u00edch c\u1ea5u ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba, bao g\u1ed3m c\u1ea3 khuy\u1ebfn kh\u00edch cho vay ti\u00eau d\u00f9ng.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-37907 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/09\/1-8-450x324.jpg\" alt=\"h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox\" width=\"450\" height=\"324\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/09\/1-8-450x324.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/09\/1-8-768x553.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/09\/1-8.jpg 1024w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h6>Ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong nh\u1eefng tr\u1ee5 c\u1ed9t ch\u00ednh c\u1ee7a GDP. \u1ea2nh: Thanh Hoa<\/h6>\n<p>Th\u1ef1c t\u1ebf, t\u1eeb n\u0103m ngo\u00e1i \u0111\u1ebfn nay, k\u1ec3 t\u1eeb khi c\u00e1c ho\u1ea1t \u0111\u1ed9ng ra qu\u00e2n tr\u1ea5n \u00e1p cho vay n\u1eb7ng l\u00e3i \u0111\u01b0\u1ee3c tri\u1ec3n khai, c\u00e1c doanh nghi\u1ec7p cho vay \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p (fintech, c\u00f4ng ty t\u00e0i ch\u00ednh\u2026) c\u0169ng b\u1ecb v\u1ea1 l\u00e2y, \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1.<\/p>\n<p>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh 6 th\u00e1ng \u0111\u1ea7u n\u0103m cho th\u1ea5y, h\u1ea7u h\u1ebft c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh trong l\u0129nh v\u1ef1c n\u00e0y \u0111\u1ec1u thua l\u1ed7 ho\u1eb7c s\u00fat gi\u1ea3m l\u1ee3i nhu\u1eadn. Ri\u00eang nhi\u1ec1u fintech cho vay ph\u1ea3i sa th\u1ea3i 50% nh\u00e2n s\u1ef1, thu h\u1eb9p m\u1ed9t n\u1eeda quy m\u00f4 cho vay v\u00e0 n\u1ee3 x\u1ea5u \u0111ang t\u0103ng 30%. C\u00e1c fintech cho vay kh\u00e1c c\u0169ng \u0111ang trong c\u1ea3nh t\u01b0\u01a1ng t\u1ef1 khi ph\u1ea3i c\u1eaft gi\u1ea3m 30-50% nh\u00e2n s\u1ef1, thu h\u1ed3i n\u1ee3 x\u1ea5u \u0111i nhanh ch\u00f3ng, nhi\u1ec1u c\u00f4ng ty ph\u1ea3i c\u00e2n nh\u1eafc vi\u1ec7c \u0111\u00f3ng c\u1eeda, r\u1eddi kh\u1ecfi Vi\u1ec7t Nam.<\/p>\n<p>Tuy c\u00f2n nhi\u1ec1u h\u1ea1n ch\u1ebf, song kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn, th\u1eddi gian qua, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, chu\u1ed7i c\u1ea7m \u0111\u1ed3, c\u00e1c fintech cho vay \u0111\u00e3 b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c kho\u1ea3ng tr\u1ed1ng t\u00edn d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng, gi\u00fap h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng. S\u1ef1 gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y c\u0169ng gi\u00fap h\u00ecnh th\u00e0nh th\u00f3i quen vay ti\u00eau d\u00f9ng trong x\u00e3 h\u1ed9i, t\u1eeb \u0111\u00f3 k\u00edch th\u00edch s\u1ea3n xu\u1ea5t, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng\u00a0kinh t\u1ebf.<\/p>\n<h5><strong>Kh\u1ea9n tr\u01b0\u01a1ng m\u1edf h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox<\/strong><\/h5>\n<p>\u00d4ng V\u0169 Nh\u1eef Th\u0103ng, Ph\u00f3 Ch\u1ee7 t\u1ecbch ph\u1ee5 tr\u00e1ch \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia, ch\u1ec9 ra b\u1ea5t c\u1eadp khi th\u1ecb tr\u01b0\u1eddng \u0111ang thi\u1ebfu v\u1eafng c\u00e1c c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m (Sandbox) cho c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh m\u1edbi.<\/p>\n<p>Theo chuy\u00ean gia n\u00e0y, c\u1ea7n t\u00ecm ki\u1ebfm nh\u1eefng \u0111\u1ed9ng l\u1ef1c m\u1edbi cho t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf v\u1edbi vi\u1ec7c \u0111\u01b0a ra nhi\u1ec1u \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0 n\u1ed7 l\u1ef1c nh\u1eb1m ti\u1ebfp c\u1eadn C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0. N\u0103m 2021, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb quy\u1ebft 100\/NQ-CP th\u00f4ng qua \u0111\u1ec1 ngh\u1ecb x\u00e2y d\u1ef1ng Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (Regulatory Sandbox) ho\u1ea1t \u0111\u1ed9ng Fintech. Tuy nhi\u00ean, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, sau g\u1ea7n 3 n\u0103m c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng, Ngh\u1ecb \u0111\u1ecbnh v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c ban h\u00e0nh.<\/p>\n<p>Theo NHNN, t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m 30\/6\/2023, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 g\u1ea7n 2,68 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 3,8% so v\u1edbi cu\u1ed1i n\u0103m 2022, chi\u1ebfm 21,5% trong t\u1ed5ng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng m\u1ee9c 21,6% cu\u1ed1i n\u0103m 2022 v\u00e0 cao h\u01a1n m\u1ee9c 19,9% cu\u1ed1i n\u0103m 2021). \u00a0Con s\u1ed1 n\u00e0y ch\u01b0a t\u00ednh \u0111\u1ebfn d\u01b0 n\u1ee3 cho vay c\u1ee7a c\u00e1c fintech cho vay (kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a NHNN).<\/p>\n<p>Chi\u1ebfn l\u01b0\u1ee3c T\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030 \u0111\u01b0a ra nhi\u1ec1u gi\u1ea3i ph\u00e1p, trong \u0111\u00f3 c\u00f3 ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd nh\u1eb1m t\u1ea1o m\u00f4i tr\u01b0\u1eddng thu\u1eadn l\u1ee3i cho vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n; ph\u00e1t tri\u1ec3n \u0111a d\u1ea1ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n, h\u01b0\u1edbng \u0111\u1ebfn nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng m\u1ee5c ti\u00eau c\u1ee7a t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n\u2026<\/p>\n<p>\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean th\u01b0\u1eddng tr\u1ef1c \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i, cho r\u1eb1ng, trong Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia, kh\u00f4ng th\u1ec3 thi\u1ebfu c\u00e1c doanh nghi\u1ec7p cho vay phi ng\u00e2n h\u00e0ng. C\u00e1c v\u1ea5n \u0111\u1ec1 c\u01a1 b\u1ea3n l\u00e0 \u0111\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng, to\u00e0n di\u1ec7n, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay. Theo \u0111\u00f3, c\u1ea7n xem x\u00e9t vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t b\u1ed9 lu\u1eadt ri\u00eang cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n<p>Tuy v\u1eady, th\u1eddi gian qua, ngo\u1ea1i tr\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau dung, c\u00e1c doanh nghi\u1ec7p cho vay kh\u00e1c g\u1ea7n nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn, \u0111\u1eb7c bi\u1ec7t l\u00e0 fintech. \u0110i\u1ec1u n\u00e0y d\u1eabn t\u1edbi c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3 c\u1ee7a Fintech g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n<p><em>Trao \u0111\u1ed5i v\u1edbi b\u00e1o B\u00e1o \u0110\u1ea7u t\u01b0, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, 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>\u00a0cho r\u1eb1ng, c\u1ea7n khuy\u1ebfn kh\u00edch m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, bao g\u1ed3m c\u1ea3 c\u00e1c fintech cho vay, chu\u1ed7i c\u1ea7m \u0111\u1ed3\u2026 Kh\u00f4ng n\u00ean ch\u1ec9 coi 16 c\u00f4ng ty t\u00e0i ch\u00ednh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p l\u00e0 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh th\u1ed1ng. C\u00e1c fintech, c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3 c\u0169ng l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng h\u1ee3p ph\u00e1p. T\u1ea5t nhi\u00ean, t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd sao cho v\u1eeba t\u1ea1o \u0111i\u1ec1u ki\u1ec7n ph\u00e1t tri\u1ec3n, v\u1eeba \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t chu\u1ea9n ch\u1ec9nh kh\u00f4ng \u0111\u01a1n gi\u1ea3n, song \u0111\u00e2y l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n<p>Theo c\u00e1c chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, chu\u1ed7i c\u1ea7m \u0111\u1ed3, c\u00f4ng ty thu h\u1ed3i n\u1ee3\u2026 nh\u1eb1m u\u1ed1n n\u1eafn k\u1ecbp th\u1eddi l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft. D\u00f9 v\u1eady, b\u00ean c\u1ea1nh \u0111i\u1ec1u tra, x\u1eed l\u00fd nghi\u00eam minh \u0111\u1ed1i t\u01b0\u1ee3ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d b\u1ea5t h\u1ee3p ph\u00e1p, c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u00f2i n\u1ee3 thu\u00ea \u201ct\u00edn d\u1ee5ng \u0111en\u201d, B\u1ed9 C\u00f4ng an c\u0169ng ph\u1ea3i t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c doanh nghi\u1ec7p cho vay h\u1ee3p ph\u00e1p ho\u1ea1t \u0111\u1ed9ng.<\/p>\n<p>B\u00ean c\u1ea1nh vi\u1ec7c b\u1ea3n th\u00e2n c\u00e1c fintech, c\u00e1c doanh nghi\u1ec7p cho vay ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3, r\u00e0 so\u00e1t, \u0111\u00e1nh gi\u00e1 v\u00e0 c\u1ea3i thi\u1ec7n b\u1ed9 m\u00e1y qu\u1ea3n tr\u1ecb r\u1ee7i ro, qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ch\u1ea5t l\u01b0\u1ee3ng nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3\u2026 th\u00ec Ch\u00ednh ph\u1ee7 c\u1ea7n s\u1edbm ban h\u00e0nh h\u00e0nh lang ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m (sandbox) \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a c\u1ea3 b\u00ean \u0111i vay l\u1eabn b\u00ean cho vay. \u0110\u00e2y c\u0169ng l\u00e0 d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng m\u1edbi cho n\u1ec1n kinh t\u1ebf.<\/p>\n<p>V\u1edbi c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u1ea7n v\u1eeba l\u00e0m v\u1eeba ho\u00e0n thi\u1ec7n ch\u00ednh s\u00e1ch \u0111\u1ec3 t\u1eeb \u0111\u00f3 t\u00ecm ra \u0111i\u1ec3m c\u00e2n b\u1eb1ng gi\u1eefa vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd v\u1edbi th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o. Vi\u1ec7c t\u00edch c\u1ef1c \u0111\u1ea9y nhanh ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf n\u00e0y gi\u00fap Vi\u1ec7t Nam ph\u00e1t huy t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh kinh t\u1ebf m\u1edbi trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, kinh t\u1ebf tu\u1ea7n ho\u00e0n, qua \u0111\u00f3 t\u1ea1o th\u00eam kh\u00f4ng gian v\u00e0 \u0111\u1ed9ng l\u1ef1c cho ph\u1ee5c h\u1ed3i v\u00e0 ph\u00e1t tri\u1ec3n kinh t\u1ebf \u2013 x\u00e3 h\u1ed9i, \u00f4ng V\u0169 Nh\u1eef Th\u0103ng \u0111\u1ec1 xu\u1ea5t.<\/p>\n<p><strong>Ho\u00e0ng Hi\u1ebfu<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;<\/em><\/p>\n<p><strong><em>S\u00e0i G\u00f2n Ti\u1ebfp th\u1ecb (Th\u00f4ng tin doanh nghi\u1ec7p) 20-9-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/www.sgtiepthi.vn\/day-tieu-dung-tang-toc-can-som-co-hanh-lang-phap-ly-cho-sandbox\/\">https:\/\/www.sgtiepthi.vn\/day-tieu-dung-tang-toc-can-som-co-hanh-lang-phap-ly-cho-sandbox\/<\/a> <\/em><\/p>\n<p><em>(115\/1.424) #TCTD<\/em>","protected":false},"excerpt":{"rendered":"<p>\u201c\u0110\u1ea9y\u201d ti\u00eau d\u00f9ng t\u0103ng t\u1ed1c: C\u1ea7n s\u1edbm c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox (SGTT) &#8211; M\u1ed9t trong 3 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng- \u0111ang b\u1ecb suy y\u1ebfu. G\u1ee1 r\u00e0o cho fintech kh\u00f4ng ch\u1ec9 m\u1edf ra \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng m\u1edbi cho n\u1ec1n kinh t\u1ebf m\u00e0 c\u00f2n k\u00edch th\u00edch c\u1ea7u ti\u00eau d\u00f9ng t\u0103ng tr\u1edf l\u1ea1i. C\u1ea7u [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":37907,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.581. \u201c\u0110\u1ea9y\u201d ti\u00eau d\u00f9ng t\u0103ng t\u1ed1c: C\u1ea7n s\u1edbm c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho sandbox - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"G\u1ee1 r\u00e0o cho fintech kh\u00f4ng ch\u1ec9 m\u1edf ra \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng m\u1edbi cho n\u1ec1n kinh t\u1ebf m\u00e0 c\u00f2n k\u00edch c\u1ea7u tr\u1edf l\u1ea1i. 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