{"id":4486,"date":"2019-02-14T21:44:41","date_gmt":"2019-02-14T14:44:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4486"},"modified":"2024-10-30T14:35:17","modified_gmt":"2024-10-30T07:35:17","slug":"246-nhung-thach-thuc-phap-ly-khi-thi-diem-thanh-toan-qua-di-dong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/246-nhung-thach-thuc-phap-ly-khi-thi-diem-thanh-toan-qua-di-dong\/","title":{"rendered":"246. Nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd khi th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd khi th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng<\/span><\/h4>\n<h5><strong>(TBKTSG) &#8211; Vi\u1ec7c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u1ed3ng \u00fd cho th\u00ed \u0111i\u1ec3m s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng \u0111\u1ec3 thanh to\u00e1n l\u00e0 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n kinh t\u1ebf, v\u00ec s\u1ef1 ti\u1ec7n l\u1ee3i cho h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi trong vi\u1ec7c mua b\u00e1n, du l\u1ecbch&#8230; v\u1edbi m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng s\u1eb5n c\u00f3 m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i mang theo c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n nh\u01b0 ti\u1ec1n hay th\u1ebb thanh to\u00e1n, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 c\u01a1 h\u1ed9i l\u1edbn cho c\u00e1c nh\u00e0 m\u1ea1ng.<\/strong><\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-4487 size-full\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-21.47.46.png\" alt=\"th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng\" width=\"400\" height=\"266\" \/><\/p>\n<p>N\u00f3 t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn vi\u1ec7c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, th\u00fac \u0111\u1ea9y giao th\u01b0\u01a1ng nhanh ch\u00f3ng, an to\u00e0n v\u00e0 gi\u1ea3m chi ph\u00ed x\u00e3 h\u1ed9i, trong \u0111\u00f3 c\u00f3 chi ph\u00ed ph\u00e1t h\u00e0nh, l\u01b0u th\u00f4ng ti\u1ec1n m\u1eb7t v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00e1c trong v\u00e0 ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Nh\u01b0ng n\u00f3 c\u0169ng l\u00e0 m\u1ed9t s\u1ef1 th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3, t\u1eeb nh\u1eefng ng\u01b0\u1eddi b\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 cho \u0111\u1ebfn c\u00e1c doanh nghi\u1ec7p cung c\u1ea5p c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n hi\u1ec7n h\u00e0nh, trong \u0111\u00f3 c\u00f3 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd.<\/p>\n<h5><strong>Th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd<\/strong><\/h5>\n<p>V\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, \u0111\u1ec3 thanh to\u00e1n qua di \u0111\u1ed9ng, c\u1ea7n ph\u1ea3i gi\u1ea3i quy\u1ebft nhi\u1ec1u v\u1ea5n \u0111\u1ec1 li\u00ean quan, trong \u0111\u00f3 c\u00f3 c\u00e1c c\u00e2u chuy\u1ec7n sau \u0111\u00e2y:<\/p>\n<p>Th\u1ee9 nh\u1ea5t, c\u1ea7n ph\u1ea3i th\u1eeba nh\u1eadn \u0111\u00f3 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n th\u1ee9 9, b\u00ean c\u1ea1nh 8 lo\u1ea1i hi\u1ec7n h\u00e0nh l\u00e0 ti\u1ec1n m\u1eb7t, s\u00e9c, l\u1ec7nh chi, \u1ee7y nhi\u1ec7m chi, nh\u1edd thu, \u1ee7y nhi\u1ec7m thu, th\u1ebb ng\u00e2n h\u00e0ng v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed. N\u1ebfu kh\u00f4ng, th\u00ec \u0111\u00f3 s\u1ebd l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1ea5t h\u1ee3p ph\u00e1p. Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, vi\u1ec7c n\u00e0y thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN);<\/p>\n<p>Th\u1ee9 hai, c\u00f3 hay kh\u00f4ng th\u1eeba nh\u1eadn doanh nghi\u1ec7p cung c\u1ea5p d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng l\u00e0 m\u1ed9t \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n (l\u00e0 ho\u1ea1t \u0111\u1ed9ng l\u00e0m trung gian k\u1ebft n\u1ed1i, truy\u1ec1n d\u1eabn v\u00e0 x\u1eed l\u00fd d\u1eef li\u1ec7u \u0111i\u1ec7n t\u1eed c\u00e1c giao d\u1ecbch thanh to\u00e1n gi\u1eefa t\u1ed5 ch\u1ee9c cung \u1ee9ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n)? N\u1ebfu l\u00e0 trung gian thanh to\u00e1n th\u00ec ph\u1ea3i k\u1ebft n\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<h6><\/h6>\n<p>V\u00e0 nh\u01b0 v\u1eady, th\u00ec l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n m\u1edbi, m\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch th\u1ee9c giao d\u1ecbch thanh to\u00e1n hay chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u00ean c\u01a1 s\u1edf t\u00e0i kho\u1ea3n th\u1ebb, v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 trung gian thanh to\u00e1n th\u00f4ng qua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n kh\u00e1 ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ef1c t\u1ebf. M\u1ed9t trong nh\u1eefng c\u00e1ch th\u1ee9c thanh to\u00e1n m\u1edbi nh\u1ea5t l\u00e0 th\u00f4ng qua m\u00e3 QR (QR Pay) tr\u00ean \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng Mobile Banking \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng tri\u1ec3n khai.<\/p>\n<p>N\u1ebfu theo c\u00e1ch th\u1ee9c n\u00e0y th\u00ec \u0111\u00e3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd, m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 vi\u1ec7c th\u00ed \u0111i\u1ec3m thanh to\u00e1n di \u0111\u1ed9ng. \u201cCh\u01b0\u01a1ng tr\u00ecnh h\u00e0nh \u0111\u1ed9ng c\u1ee7a Ch\u00ednh ph\u1ee7 c\u1eaft gi\u1ea3m chi ph\u00ed cho doanh nghi\u1ec7p\u201d, ban h\u00e0nh k\u00e8m theo Ngh\u1ecb quy\u1ebft s\u1ed1 139\/NQ-CP ng\u00e0y 9-11-2018 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 \u0111\u1eb7t ra m\u1ed9t trong nh\u1eefng nhi\u1ec7m v\u1ee5 c\u1ee7a NHNN l\u00e0 \u201cti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, t\u0103ng c\u01b0\u1eddng \u1ee9ng d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n m\u1edbi, hi\u1ec7n \u0111\u1ea1i tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn (thanh to\u00e1n di \u0111\u1ed9ng, v\u00ed \u0111i\u1ec7n t\u1eed, QRCode&#8230;) \u0111\u1ec3 gi\u1ea3m chi ph\u00ed ph\u00e1t sinh trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam\u201d.<\/p>\n<h6><\/h6>\n<p>V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n ho\u00e0n to\u00e0n m\u1edbi ho\u1eb7c \u00edt nh\u1ea5t c\u0169ng l\u00e0 m\u1ed9t \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n \u0111\u1eb7c bi\u1ec7t. Quy\u1ebft \u0111\u1ecbnh s\u1ef1 kh\u00e1c bi\u1ec7t trong vi\u1ec7c n\u00e0y n\u1eb1m \u1edf ch\u1ed7 li\u1ec7u c\u00f3 xu\u1ea5t hi\u1ec7n t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng hay ch\u1ec9 l\u00e0 t\u00e0i kho\u1ea3n d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng \u0111\u1ed9c l\u1eadp. N\u1ebfu x\u00e1c \u0111\u1ecbnh vi\u1ec7c thanh to\u00e1n di \u0111\u1ed9ng v\u1eadn h\u00e0nh nh\u01b0 m\u1ed9t trung gian thanh to\u00e1n th\u00ec thu\u1ed9c th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 th\u00ed \u0111i\u1ec3m. C\u00f2n n\u1ebfu coi vi\u1ec7c thanh to\u00e1n di \u0111\u1ed9ng l\u00e0 m\u1ed9t c\u00e1ch th\u1ee9c ho\u00e0n to\u00e0n m\u1edbi, th\u00ec c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 lu\u1eadt li\u00ean quan, n\u00ean tr\u01b0\u1edbc m\u1eaft c\u1ea7n quy\u1ebft \u0111\u1ecbnh cho ph\u00e9p th\u00ed \u0111i\u1ec3m c\u1ee7a Th\u1ee7 t\u01b0\u1edbng.<\/p>\n<p>Th\u1ee9 ba, c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh m\u1ee9c gi\u00e1 tr\u1ecb thanh to\u00e1n h\u1ee3p l\u00fd \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho c\u1ea3 ng\u01b0\u1eddi b\u00e1n h\u00e0ng, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n v\u00e0 kh\u00e1ch h\u00e0ng. M\u1ee9c n\u00e0y nhi\u1ec1u hay \u00edt ph\u1ee5 thu\u1ed9c v\u00e0o ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n c\u00f3 k\u1ebft n\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng hay kh\u00f4ng. N\u1ebfu vi\u1ec7c thanh to\u00e1n n\u1eb1m ngo\u00e0i ng\u00e2n h\u00e0ng th\u00ec ch\u1ec9 n\u00ean d\u1eebng l\u1ea1i \u1edf m\u1ed9t h\u1ea1n m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p, nh\u01b0 m\u1ed9t v\u00e0i tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u1ea1i l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u00e0i kho\u1ea3n \u0111i\u1ec7n tho\u1ea1i;<\/p>\n<h6><\/h6>\n<p>Th\u1ee9 t\u01b0, d\u00f9 x\u00e1c \u0111\u1ecbnh doanh nghi\u1ec7p d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng l\u00e0 trung gian thanh to\u00e1n hay kh\u00f4ng th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1. Theo \u0111i\u1ec1u kho\u1ea3n 4.3, Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2012, doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u00ean s\u1ebd \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 m\u1ed9t \u201ct\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh\u201d.<\/p>\n<p>V\u1ee5 \u00e1n \u0111\u00e1nh b\u1ea1c ng\u00e0n t\u1ec9 v\u1eeba \u0111\u01b0\u1ee3c x\u00e9t x\u1eed t\u1ea1i Ph\u00fa Th\u1ecd \u0111\u00e3 cho th\u1ea5y, m\u1eb7c d\u00f9 v\u1eabn c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 trung gian thanh to\u00e1n, nh\u01b0ng v\u00ec thi\u1ebfu quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 vi\u1ec7c thanh to\u00e1n qua t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng di \u0111\u1ed9ng, n\u00ean \u0111\u00e3 t\u1ea1o ra nh\u1eefng l\u1ed7 h\u1ed5ng l\u1edbn, gi\u00fap s\u1ee9c \u0111\u1eafc l\u1ef1c cho t\u1ed9i ph\u1ea1m \u0111\u00e1nh b\u1ea1c v\u00e0 r\u1eeda ti\u1ec1n.<\/p>\n<p>&nbsp;<\/p>\n<h5><strong><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>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/h5>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed) 14-02-2019:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/www.thesaigontimes.vn\/td\/285171\/nhung-thach-thuc-phap-ly-khi-thi-diem-thanh-toan-qua-di-dong.html\">https:\/\/www.thesaigontimes.vn\/td\/285171\/nhung-thach-thuc-phap-ly-khi-thi-diem-thanh-toan-qua-di-dong.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd khi th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng (TBKTSG) &#8211; Vi\u1ec7c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u1ed3ng \u00fd cho th\u00ed \u0111i\u1ec3m s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng \u0111\u1ec3 thanh to\u00e1n l\u00e0 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n kinh t\u1ebf, v\u00ec s\u1ef1 ti\u1ec7n l\u1ee3i cho h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi trong vi\u1ec7c mua b\u00e1n, du [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4487,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-4486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>246. Nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd khi th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Th\u00ed \u0111i\u1ec3m s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng \u0111\u1ec3 thanh to\u00e1n v\u00e0 Nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd khi th\u00ed \u0111i\u1ec3m thanh to\u00e1n qua di \u0111\u1ed9ng\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/246-nhung-thach-thuc-phap-ly-khi-thi-diem-thanh-toan-qua-di-dong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]246. 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