{"id":4603,"date":"2016-08-31T15:17:29","date_gmt":"2016-08-31T08:17:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4603"},"modified":"2024-11-01T14:32:53","modified_gmt":"2024-11-01T07:32:53","slug":"208-trach-nhiem-chinh-la-cua-ai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/208-trach-nhiem-chinh-la-cua-ai\/","title":{"rendered":"208. Tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a ai?"},"content":{"rendered":"

Tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a ai?<\/span><\/h4>\n
(KTSG) – Vi\u1ec7c li\u00ean ti\u1ebfp x\u1ea3y ra c\u00e1c v\u1ee5 m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n th\u1ebb \u1edf ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 s\u1ef1 b\u1ea3o m\u1eadt v\u00e0 \u0111\u1ed9 an to\u00e0n khi s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Nh\u01b0ng tr\u00e1ch nhi\u1ec7m ch\u00ednh m\u1ed7i khi x\u1ea3y ra s\u1ef1 c\u1ed1 l\u00e0 c\u1ee7a ai?<\/strong><\/h5>\n
\"Tr\u00e1ch

Th\u1ebb ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i trong x\u00e3 h\u1ed9i nh\u01b0ng m\u1ed7i khi x\u1ea3y ra s\u1ef1 c\u1ed1 th\u00ec tr\u00e1ch nhi\u1ec7m thu\u1ed9c v\u1ec1 ai, ng\u00e2n h\u00e0ng hay kh\u00e1ch h\u00e0ng? \u1ea2nh minh h\u1ecda: R\u00fat ti\u1ec1n t\u1eeb th\u1ebb t\u1ea1i m\u1ed9t \u0111i\u1ec3m ATM g\u1ea7n khu c\u00f4ng nghi\u1ec7p \u1edf TPHCM. Th\u00e0nh Hoa<\/p><\/div>\n

R\u1ee7i ro h\u1ee3p \u0111\u1ed3ng<\/strong><\/h5>\n

Ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t lo\u1ea1i d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed, ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, nguy c\u01a1 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 v\u1edbi c\u1ea3 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng. V\u00ec v\u1eady, h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 \u0111\u1eb7t ra kh\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u nh\u1eb1m ki\u1ec3m so\u00e1t v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro. C\u00f3 \u00edt nh\u1ea5t n\u0103m nh\u00f3m v\u0103n b\u1ea3n quy \u0111\u1ecbnh li\u00ean quan tr\u1ef1c ti\u1ebfp, bao g\u1ed3m: Giao d\u1ecbch \u0111i\u1ec7n t\u1eed, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, t\u00e0i kho\u1ea3n thanh to\u00e1n, thanh to\u00e1n th\u1ebb v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Tuy nhi\u00ean, vi\u1ec7c c\u00f3 \u0111\u1ebfn h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 quy \u0111\u1ecbnh c\u0169ng ch\u00ednh l\u00e0 nguy\u00ean nh\u00e2n g\u00e2y kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro cho ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 kh\u00e1ch h\u00e0ng.<\/p>\n

Kho\u1ea3n 4, \u0111i\u1ec1u 12 v\u1ec1 \u201cC\u00e1c nguy\u00ean t\u1eafc trong quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng\u201d, \u201cQuy \u0111\u1ecbnh v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 35\/2006\/Q\u0110-NHNN ng\u00e0y 31-7-2006 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) x\u00e1c \u0111\u1ecbnh r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 sau: \u201cKhi k\u00fd h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed cho kh\u00e1ch h\u00e0ng v\u00e0 ho\u1eb7c trong l\u1ea7n \u0111\u1ea7u ti\u00ean s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m c\u00f4ng khai v\u00e0 gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng r\u1ee7i ro kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i khi s\u1eed d\u1ee5ng nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0y\u201d.<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c ph\u00f2ng ng\u1eeba r\u1ee7i ro v\u00e0 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho c\u00e1c giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u00f3i chung, giao d\u1ecbch th\u1ebb n\u00f3i ri\u00eang ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7, h\u1ee3p l\u00fd. Nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u00e0i kho\u1ea3n th\u1ebb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi nhi\u1ec1u t\u00e0i kho\u1ea3n thanh to\u00e1n, \u0111\u01b0\u1ee3c m\u1edf ch\u1ec9 \u0111\u1ec3 h\u01b0\u1edfng khuy\u1ebfn m\u1ea1i hay \u0111\u1ec3 ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau ph\u00e1t h\u00e0nh th\u1ebb \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 cho nh\u00e2n vi\u00ean. R\u1ea5t nhi\u1ec1u t\u00e0i kho\u1ea3n th\u1ebb \u0111\u01b0\u1ee3c m\u1edf ra, r\u1ed3i l\u1ea1i \u0111\u00f3ng sau m\u1ed9t v\u00e0i th\u00e1ng, m\u00e0 ch\u1ee7 th\u1ebb l\u00e0 ng\u01b0\u1eddi nh\u00e0, b\u1ea1n b\u00e8, th\u1eadm ch\u00ed c\u1ea3 ng\u01b0\u1eddi gi\u00fap vi\u1ec7c c\u1ee7a ai \u0111\u00f3 kh\u00f4ng h\u1ec1 c\u00f3 nhu c\u1ea7u. Khi \u0111\u00f3, ch\u1ee7 th\u1ebb th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng h\u1ec1 k\u00fd h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng bi\u1ebft l\u00e0 m\u00ecnh c\u00f3 th\u1ebb, ch\u1ee9 n\u00f3i g\u00ec \u0111\u1ebfn vi\u1ec7c \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn quy tr\u00ecnh th\u1ebf n\u00e0o, r\u1ee7i ro ra sao.<\/p>\n

H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 th\u1ebb, \u0111\u00f4i khi l\u00ean \u0111\u1ebfn c\u1ea3 ch\u1ee5c trang, v\u1edbi c\u1ee1 ch\u1eef r\u1ea5t nh\u1ecf, n\u1ed9i dung kh\u00e1 ph\u1ee9c t\u1ea1p v\u00e0 kh\u00f3 hi\u1ec3u c\u0169ng g\u00e2y kh\u00f3 kh\u0103n, b\u1ea5t l\u1ee3i cho kh\u00e1ch h\u00e0ng. T\u1eeb ng\u00e0y 15-10-2015, h\u1ee3p \u0111\u1ed3ng n\u00e0y ph\u1ea3i theo m\u1eabu v\u00e0 \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch chung v\u1ec1 vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n s\u1ebd ph\u1ea3i \u0111\u0103ng k\u00fd t\u1ea1i B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Hy v\u1ecdng vi\u1ec7c n\u00e0y s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 b\u1ea5t l\u1ee3i cho kh\u00e1ch h\u00e0ng.<\/p>\n

Tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n thu\u1ed9c v\u1ec1 ai?<\/strong><\/h5>\n

Hi\u1ec7n nay, theo kho\u1ea3n 1, \u0111i\u1ec1u 18 v\u1ec1 \u201c\u0110\u1ea3m b\u1ea3o an to\u00e0n trong s\u1eed d\u1ee5ng th\u1ebb\u201d trong Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30-6-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d: Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cph\u1ed5 bi\u1ebfn, h\u01b0\u1edbng d\u1eabn cho kh\u00e1ch h\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 th\u1ebb, thao t\u00e1c s\u1eed d\u1ee5ng th\u1ebb \u0111\u00fang quy tr\u00ecnh, c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i khi s\u1eed d\u1ee5ng th\u1ebb v\u00e0 c\u00e1ch x\u1eed l\u00fd khi g\u1eb7p s\u1ef1 c\u1ed1\u201d v\u00e0 \u201cTh\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o an to\u00e0n, ph\u00f2ng ng\u1eeba r\u1ee7i ro cho giao d\u1ecbch th\u1ebb theo c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed; b\u1ea3o m\u1eadt th\u00f4ng tin li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng th\u1ebb…\u201d.<\/p>\n

C\u00f2n \u0111i\u1ec1u 20 v\u1ec1 \u201cTra so\u00e1t, x\u1eed l\u00fd khi\u1ebfu n\u1ea1i trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb\u201d trong th\u00f4ng t\u01b0 n\u00e0y quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1ea3i quy\u1ebft v\u00e0 tr\u1ea3 l\u1eddi y\u00eau c\u1ea7u tra so\u00e1t c\u1ee7a ch\u1ee7 th\u1ebb khi ph\u00e1t hi\u1ec7n c\u00f3 sai s\u00f3t ho\u1eb7c nghi ng\u1edd c\u00f3 sai s\u00f3t v\u1ec1 giao d\u1ecbch th\u1ebb. Tuy nhi\u00ean, th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi do c\u00e1c b\u00ean li\u00ean quan th\u1ecfa thu\u1eadn, ch\u1ee9 ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3. Do giao d\u1ecbch c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn thanh to\u00e1n, n\u00ean t\u01b0\u01a1ng \u0111\u1ed1i k\u00e9o d\u00e0i.<\/p>\n

T\u00f3m l\u1ea1i, ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n t\u00e0i kho\u1ea3n thanh to\u00e1n n\u00f3i chung, t\u00e0i kho\u1ea3n th\u1ebb n\u00f3i ri\u00eang, ch\u1ee7 y\u1ebfu thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u00e1ch nhi\u1ec7m khi m\u1ea5t ti\u1ec1n<\/strong><\/h5>\n\n\n\n
Ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n t\u00e0i kho\u1ea3n th\u1ebb ch\u1ee7 y\u1ebfu thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, v\u1edbi v\u1ecb th\u1ebf b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin, \u0111\u1ee9ng b\u00ean ngo\u00e0i nh\u01b0ng l\u1ea1i ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p v\u00e0 b\u1ea3o m\u1eadt r\u1ea5t cao c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec th\u1ef1c t\u1ebf r\u1ee7i ro d\u01b0\u1eddng nh\u01b0 d\u1ed3n h\u1ebft v\u1ec1 ph\u00eda ch\u1ee7 th\u1ebb.<\/strong><\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110i\u1ec3m g, kho\u1ea3n 2, \u0111i\u1ec1u 5, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19-8-2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \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 m\u1ed9t trong c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n l\u00e0: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh\u201d. \u0110i\u1ec3m g, kho\u1ea3n 2, \u0111i\u1ec1u 6 c\u1ee7a th\u00f4ng t\u01b0 n\u00e0y c\u0169ng quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n t\u01b0\u01a1ng t\u1ef1 l\u00e0: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o tr\u00ean t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh\u201d. Nh\u01b0 v\u1eady, th\u00ec b\u00ean n\u00e0o c\u00f3 l\u1ed7i, b\u00ean \u0111\u00f3 s\u1ebd ph\u1ea3i ch\u1ecbu thi\u1ec7t h\u1ea1i. Tuy nhi\u00ean, c\u00e1i kh\u00f3 \u1edf ch\u1ed7, vi\u1ec7c x\u00e1c \u0111\u1ecbnh l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng hay c\u1ee7a ng\u00e2n h\u00e0ng h\u1ea7u nh\u01b0 \u0111\u1ec1u do ph\u00eda ng\u00e2n h\u00e0ng k\u1ebft lu\u1eadn. R\u1ed3i \u0111\u00e2u l\u00e0 sai s\u00f3t ch\u00ednh y\u1ebfu d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o? V\u00e0 cu\u1ed1i c\u00f9ng, n\u1ebfu hai b\u00ean c\u00f9ng c\u00f3 sai sai s\u00f3t th\u00ec \u0111\u00e2u l\u00e0 sai s\u00f3t quy\u1ebft \u0111\u1ecbnh d\u1eabn \u0111\u1ebfn vi\u1ec7c m\u1ea5t ti\u1ec1n?<\/p>\n

Hi\u1ec7n nay, kho\u1ea3n 2, \u0111i\u1ec1u 19 v\u1ec1 \u201cX\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t th\u1ebb ho\u1eb7c l\u1ed9 th\u00f4ng tin th\u1ebb\u201d trong Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb l\u00e0: Khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a ch\u1ee7 th\u1ebb, th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n ngay vi\u1ec7c kh\u00f3a th\u1ebb v\u00e0 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p nghi\u1ec7p v\u1ee5 c\u1ea7n thi\u1ebft kh\u00e1c nh\u1eb1m ng\u0103n ch\u1eb7n c\u00e1c thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 x\u1ea3y ra, \u0111\u1ed3ng th\u1eddi th\u00f4ng b\u00e1o l\u1ea1i cho ch\u1ee7 th\u1ebb. Tuy nhi\u00ean, quy \u0111\u1ecbnh n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng, th\u1eddi h\u1ea1n ho\u00e0n th\u00e0nh vi\u1ec7c kho\u00e1 th\u1ebb v\u1eabn c\u00f3 th\u1ec3 k\u00e9o d\u00e0i 5 ho\u1eb7c 10 ng\u00e0y l\u00e0m vi\u1ec7c, t\u00f9y theo lo\u1ea1i th\u1ebb do NHNN hay t\u1ed5 ch\u1ee9c th\u1ebb qu\u1ed1c t\u1ebf c\u1ea5p m\u00e3.<\/p>\n

N\u1ebfu nh\u01b0 ti\u1ebfp t\u1ee5c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n mi\u1ec5n tr\u00e1ch nhi\u1ec7m cho ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb t\u1eeb 5-10 ng\u00e0y nh\u01b0 v\u1eady, th\u00ec k\u1ebb gian v\u1eabn c\u00f3 th\u1eeba th\u1eddi gian \u0111\u1ec3 r\u00fat h\u1ebft ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng. Khi \u0111\u00f3, ch\u1ee7 th\u1ebb ch\u1ec9 c\u00f2n bi\u1ebft x\u1eed l\u00fd theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0111i\u1ec1u 19: \u201cTrong tr\u01b0\u1eddng h\u1ee3p th\u1ebb b\u1ecb l\u1ee3i d\u1ee5ng, g\u00e2y ra thi\u1ec7t h\u1ea1i, t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb v\u00e0 ch\u1ee7 th\u1ebb ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m v\u00e0 th\u01b0\u01a1ng l\u01b0\u1ee3ng c\u00e1ch x\u1eed l\u00fd h\u1eadu qu\u1ea3\u201d. Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 th\u1ebb v\u00e0 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb kh\u00f4ng kh\u00f4ng th\u1ed1ng nh\u1ea5t \u0111\u01b0\u1ee3c khi x\u1ea3y ra c\u00e1c sai s\u00f3t, vi ph\u1ea1m, t\u1ed5n th\u1ea5t, th\u00ec ch\u1ec9 c\u00f2n c\u00e1ch kh\u1edfi ki\u1ec7n ra to\u00e0 \u00e1n ho\u1eb7c tr\u1ecdng t\u00e0i theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb.<\/p>\n

Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb, c\u00f3 v\u1ebb nh\u01b0 r\u1ea5t c\u00f4ng b\u1eb1ng, b\u00ecnh \u0111\u1eb3ng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng, th\u1eadm ch\u00ed c\u00f2n \u0111\u1eb7t ra y\u00eau c\u1ea7u cao h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n nh\u01b0 khi x\u1ea3y ra r\u1ee7i ro m\u1ea5t ti\u1ec1n t\u1eeb d\u1ecbch v\u1ee5 th\u1ebb, ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m n\u1ebfu ch\u01b0a ph\u1ed5 bi\u1ebfn, h\u01b0\u1edbng d\u1eabn, gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u1ea7y \u0111\u1ee7 cho kh\u00e1ch h\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 th\u1ebb, thao t\u00e1c \u0111\u00fang quy tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb, c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i v\u00e0 c\u00e1ch x\u1eed l\u00fd khi g\u1eb7p s\u1ef1 c\u1ed1 s\u1eed d\u1ee5ng th\u1ebb theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 35\/2006\/Q\u0110-NHNN v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean.<\/p>\n

Tuy nhi\u00ean, v\u1edbi v\u1ecb th\u1ebf b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin, \u0111\u1ee9ng b\u00ean ngo\u00e0i nh\u01b0ng l\u1ea1i ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p v\u00e0 b\u1ea3o m\u1eadt r\u1ea5t cao c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec th\u1ef1c t\u1ebf r\u1ee7i ro trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb d\u01b0\u1eddng nh\u01b0 d\u1ed3n h\u1ebft v\u1ec1 ph\u00eda ch\u1ee7 th\u1ebb.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/h5>\n

https:\/\/congthuong.vn\/mat-an-toan-trong-giao-dich-dien-tu-trach-nhiem-chinh-la-cua-ai-74393.html<\/p>\n

(1.653\/1.653)<\/em><\/p>\n

——————–<\/p>\n

B\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 29-8-2016<\/em><\/strong><\/p>\n

B\u1ea5t an v\u1edbi th\u1ebb ng\u00e2n h\u00e0ng<\/strong><\/h4>\n
Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/strong><\/h5>\n
Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/h5>\n
Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/strong><\/h5>\n

G\u1ea7n \u0111\u00e2y li\u00ean ti\u1ebfp x\u1ea3y ra c\u00e1c v\u1ee5 m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n th\u1ebb \u1edf ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean s\u1ef1 lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 s\u1ef1 b\u1ea3o m\u1eadt v\u00e0 \u0111\u1ed9 an to\u00e0n khi khi s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/em><\/p>\n

R\u1ee7i ro giao d\u1ecbch th\u1ebb<\/strong><\/h5>\n

Ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t lo\u1ea1i d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed, ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, nguy c\u01a1 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 v\u1edbi c\u1ea3 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng. V\u00ec v\u1eady, h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 \u0111\u1eb7t ra kh\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u nh\u1eb1m ki\u1ec3m so\u00e1t v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro. C\u00f3 \u00edt nh\u1ea5t 5 nh\u00f3m v\u0103n b\u1ea3n quy \u0111\u1ecbnh li\u00ean quan tr\u1ef1c ti\u1ebfp bao g\u1ed3m: Giao d\u1ecbch \u0111i\u1ec7n t\u1eed, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, t\u00e0i kho\u1ea3n thanh to\u00e1n, thanh to\u00e1n th\u1ebb v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Tuy nhi\u00ean, v\u1edbi h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 quy \u0111\u1ecbnh c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t s\u1ef1 kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro cho ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 kh\u00e1ch h\u00e0ng.<\/p>\n

Kho\u1ea3n 4, \u0110i\u1ec1u 12 v\u1ec1 \u201cC\u00e1c nguy\u00ean t\u1eafc trong quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng\u201d, \u201cQuy \u0111\u1ecbnh v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 35\/2006\/Q\u0110-NHNN ng\u00e0y 31-7-2006 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 sau: \u201cKhi k\u00fd h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed cho kh\u00e1ch h\u00e0ng v\u00e0 ho\u1eb7c trong l\u1ea7n \u0111\u1ea7u ti\u00ean s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m c\u00f4ng khai v\u00e0 gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng r\u1ee7i ro kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i khi s\u1eed d\u1ee5ng nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0y<\/em>.\u201d<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c ph\u00f2ng ng\u1eeba r\u1ee7i ro v\u00e0 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho c\u00e1c giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u00f3i chung, giao d\u1ecbch th\u1ebb n\u00f3i ri\u00eang ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7, h\u1ee3p l\u00fd. Nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u00e0i kho\u1ea3n th\u1ebb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi nhi\u1ec1u t\u00e0i kho\u1ea3n thanh to\u00e1n, \u0111\u01b0\u1ee3c m\u1edf ch\u1ec9 \u0111\u1ec3 h\u01b0\u1edfng khuy\u1ebfn m\u1ea1i hay \u0111\u1ec3 ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau ph\u00e1t h\u00e0nh th\u1ebb \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 cho nh\u00e2n vi\u00ean. R\u1ea5t nhi\u1ec1u t\u00e0i kho\u1ea3n th\u1ebb \u0111\u01b0\u1ee3c m\u1edf ra, r\u1ed3i l\u1ea1i \u0111\u00f3ng v\u00e0o sau m\u1ed9t v\u00e0i th\u00e1ng, m\u00e0 ch\u1ee7 th\u1ebb l\u00e0 ng\u01b0\u1eddi nh\u00e0, b\u1ea1n b\u00e8, th\u1eadm ch\u00ed c\u1ea3 ng\u01b0\u1eddi gi\u00fap vi\u1ec7c c\u1ee7a ai \u0111\u00f3 kh\u00f4ng h\u1ec1 c\u00f3 nhu c\u1ea7u. Khi \u0111\u00f3, ch\u1ee7 th\u1ebb th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng h\u1ec1 k\u00fd h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng bi\u1ebft l\u00e0 m\u00ecnh c\u00f3 th\u1ebb, ch\u1ee9 n\u00f3i g\u00ec \u0111\u1ebfn vi\u1ec7c \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn quy tr\u00ecnh th\u1ebf n\u00e0o, r\u1ee7i ro ra sao.<\/p>\n

H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 th\u1ebb, \u0111\u00f4i khi l\u00ean \u0111\u1ebfn c\u1ea3 ch\u1ee5c trang, v\u1edbi c\u1ee1 ch\u1eef r\u1ea5t nh\u1ecf, n\u1ed9i dung kh\u00e1 ph\u1ee9c t\u1ea1p v\u00e0 kh\u00f3 hi\u1ec3u c\u0169ng g\u00e2y kh\u00f3 kh\u0103n, b\u1ea5t l\u1ee3i cho kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5 nh\u01b0 c\u00e2u \u201cNg\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng tr\u1ea3 ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea5t k\u1ef3 h\u1ec7 th\u1ed1ng ho\u1eb7c thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed n\u00e0o kh\u00f4ng ch\u1ea5p nh\u1eadn ch\u1ec9 d\u1eabn c\u1ee7a Ch\u1ee7 th\u1ebb ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p ph\u01b0\u01a1ng th\u1ee9c truy nh\u1eadp kh\u00f4ng l\u00e0m thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed ho\u1ea1t \u0111\u1ed9ng v\u00ec b\u1ea5t k\u1ef3 l\u00fd do g\u00ec\u201d. T\u1eeb ng\u00e0y 15-10-2015, h\u1ee3p \u0111\u1ed3ng theo m\u1eabu v\u00e0 \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch chung v\u1ec1 vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n s\u1ebd ph\u1ea3i \u0111\u0103ng k\u00fd t\u1ea1i B\u1ed9 C\u00f4ng th\u01b0\u01a1ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Hy v\u1ecdng vi\u1ec7c n\u00e0y s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 b\u1ea5t l\u1ee3i cho kh\u00e1ch h\u00e0ng.<\/p>\n

\u00a0<\/strong>Tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n<\/strong><\/h5>\n

Tr\u01b0\u1edbc \u0111\u00e2y, kho\u1ea3n 3, \u0110i\u1ec1u 20 v\u1ec1 \u201cNgh\u0129a v\u1ee5 c\u1ee7a t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb\u201d, \u201cQuy ch\u1ebf Ph\u00e1t h\u00e0nh, thanh to\u00e1n, s\u1eed d\u1ee5ng v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2007\/Q\u0110-NHNN \u00a0ng\u00e0y 15-5-2007 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb \u201cc\u00f3 ngh\u0129a v\u1ee5 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m an to\u00e0n, ph\u00f2ng ng\u1eeba r\u1ee7i ro cho c\u00e1c giao d\u1ecbch th\u1ebb theo c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed\u201d.<\/p>\n

Hi\u1ec7n nay, kho\u1ea3n 1, \u0110i\u1ec1u 18 v\u1ec1 \u201c\u0110\u1ea3m b\u1ea3o an to\u00e0n trong s\u1eed d\u1ee5ng th\u1ebb\u201d Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30-6-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d \u0111\u00e3 quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cph\u1ed5 bi\u1ebfn, h\u01b0\u1edbng d\u1eabn cho kh\u00e1ch h\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 th\u1ebb, thao t\u00e1c s\u1eed d\u1ee5ng th\u1ebb \u0111\u00fang quy tr\u00ecnh, c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i khi s\u1eed d\u1ee5ng th\u1ebb v\u00e0 c\u00e1ch x\u1eed l\u00fd khi g\u1eb7p s\u1ef1 c\u1ed1\u201d v\u00e0 \u201cTh\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o an to\u00e0n, ph\u00f2ng ng\u1eeba r\u1ee7i ro cho giao d\u1ecbch th\u1ebb theo c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed; b\u1ea3o m\u1eadt th\u00f4ng tin li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng th\u1ebb;…\u201d<\/p>\n

C\u00f2n \u0110i\u1ec1u 20 v\u1ec1 \u201cTra so\u00e1t, x\u1eed l\u00fd khi\u1ebfu n\u1ea1i trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb\u201d, Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN th\u00ec quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1ea3i quy\u1ebft v\u00e0 tr\u1ea3 l\u1eddi y\u00eau c\u1ea7u tra so\u00e1t c\u1ee7a ch\u1ee7 th\u1ebb khi ph\u00e1t hi\u1ec7n c\u00f3 sai s\u00f3t ho\u1eb7c nghi ng\u1edd c\u00f3 sai s\u00f3t v\u1ec1 giao d\u1ecbch th\u1ebb. Tuy nhi\u00ean, th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi do c\u00e1c b\u00ean li\u00ean quan th\u1ecfa thu\u1eadn, ch\u1ee9 ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3. Do giao d\u1ecbch c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn thanh to\u00e1n, n\u00ean t\u01b0\u01a1ng \u0111\u1ed1i k\u00e9o d\u00e0i.<\/p>\n

T\u00f3m l\u1ea1i, ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n t\u00e0i kho\u1ea3n thanh to\u00e1n n\u00f3i chung, t\u00e0i kho\u1ea3n th\u1ebb n\u00f3i ri\u00eang, ch\u1ee7 y\u1ebfu thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u00e1ch nhi\u1ec7m khi m\u1ea5t ti\u1ec1n<\/strong><\/h5>\n

\u0110i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 5, 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 \u0111\u00e3 quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n l\u00e0: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh<\/em>\u201d. \u0110i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 6 c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y c\u0169ng quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n t\u01b0\u01a1ng t\u1ef1 l\u00e0: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o tr\u00ean t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh<\/em>\u201d. Nh\u01b0 v\u1eady, th\u00ec b\u00ean n\u00e0o c\u00f3 l\u1ed7i, b\u00ean \u0111\u00f3 s\u1ebd ph\u1ea3i ch\u1ecbu thi\u1ec7t h\u1ea1i. Tuy nhi\u00ean, c\u00e1i kh\u00f3 l\u00e0 \u1edf ch\u1ed7, vi\u1ec7c x\u00e1c \u0111\u1ecbnh l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng hay c\u1ee7a ng\u00e2n h\u00e0ng h\u1ea7u nh\u01b0 \u0111\u1ec1u do ph\u00eda ng\u00e2n h\u00e0ng k\u1ebft lu\u1eadn. R\u1ed3i \u0111\u00e2u l\u00e0 sai s\u00f3t ch\u00ednh y\u1ebfu d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o? V\u00e0 cu\u1ed1i c\u00f9ng, n\u1ebfu hai b\u00ean c\u00f9ng c\u00f3 sai sai s\u00f3t th\u00ec \u0111\u00e2u l\u00e0 sai s\u00f3t quy\u1ebft \u0111\u1ecbnh d\u1eabn \u0111\u1ebfn vi\u1ec7c m\u1ea5t ti\u1ec1n?<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, \u0110i\u1ec1u 13, Quy ch\u1ebf s\u1ed1 20\/2007\/Q\u0110-NHNN \u00a0\u0111\u00e3 quy \u0111\u1ecbnh: Khi ch\u1ee7 th\u1ebb b\u1ecb m\u1ea5t th\u1ebb, th\u00ec ph\u1ea3i th\u00f4ng b\u00e1o ngay cho ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh. Tuy nhi\u00ean, th\u1eddi h\u1ea1n cho ph\u00e9p ng\u00e2n h\u00e0ng x\u00e1c nh\u1eadn vi\u1ec7c nh\u1eadn tin b\u00e1o c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 10 ng\u00e0y l\u00e0m vi\u1ec7c. V\u00e0 trong th\u1eddi h\u1ea1n 10 ng\u00e0y \u0111\u00f3, n\u1ebfu th\u1ebb b\u1ecb r\u00fat m\u1ea5t ti\u1ec1n, th\u00ec ch\u1ee7 th\u1ebb ph\u1ea3i ho\u00e0n to\u00e0n ch\u1ecbu thi\u1ec7t h\u1ea1i do vi\u1ec7c \u0111\u1ec3 th\u1ebb b\u1ecb l\u1ee3i d\u1ee5ng g\u00e2y ra. Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh ch\u1ec9 ch\u1ecbu thi\u1ec7t h\u1ea1i v\u00e0 b\u1ed3i th\u01b0\u1eddng sau th\u1eddi \u0111i\u1ec3m \u0111\u00f3.<\/p>\n

Hi\u1ec7n nay, kho\u1ea3n 2, \u0110i\u1ec1u 19 v\u1ec1 \u201cX\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t th\u1ebb ho\u1eb7c l\u1ed9 th\u00f4ng tin th\u1ebb\u201d, Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN \u0111\u00e3 quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb l\u00e0: Khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a ch\u1ee7 th\u1ebb, th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n ngay vi\u1ec7c kh\u00f3a th\u1ebb v\u00e0 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p nghi\u1ec7p v\u1ee5 c\u1ea7n thi\u1ebft kh\u00e1c nh\u1eb1m ng\u0103n ch\u1eb7n c\u00e1c thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 x\u1ea3y ra, \u0111\u1ed3ng th\u1eddi th\u00f4ng b\u00e1o l\u1ea1i cho ch\u1ee7 th\u1ebb. Tuy nhi\u00ean, quy \u0111\u1ecbnh n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng, th\u1eddi h\u1ea1n ho\u00e0n th\u00e0nh vi\u1ec7c kho\u00e1 th\u1ebb v\u1eabn c\u00f3 th\u1ec3 k\u00e9o d\u00e0i 5 ho\u1eb7c 10 ng\u00e0y l\u00e0m vi\u1ec7c, tu\u1ef3 theo lo\u1ea1i th\u1ebb do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay t\u1ed5 ch\u1ee9c th\u1ebb qu\u1ed1c t\u1ebf c\u1ea5p m\u00e3.<\/p>\n

N\u1ebfu nh\u01b0 ti\u1ebfp t\u1ee5c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n mi\u1ec5n tr\u00e1ch cho ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb t\u1eeb 5 \u0111\u1ebfn 10 ng\u00e0y nh\u01b0 v\u1eady, th\u00ec k\u1ebb gian v\u1eabn c\u00f3 th\u1eeba th\u1eddi gian \u0111\u1ec3 r\u00fat h\u1ebft ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng. Khi \u0111\u00f3, ch\u1ee7 th\u1ebb ch\u1ec9 c\u00f2n bi\u1ebft x\u1eed l\u00fd theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 19: \u201cTrong tr\u01b0\u1eddng h\u1ee3p th\u1ebb b\u1ecb l\u1ee3i d\u1ee5ng, g\u00e2y ra thi\u1ec7t h\u1ea1i, t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb v\u00e0 ch\u1ee7 th\u1ebb ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m v\u00e0 th\u01b0\u01a1ng l\u01b0\u1ee3ng c\u00e1ch x\u1eed l\u00fd h\u1eadu qu\u1ea3<\/em>.\u201d Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 th\u1ebb v\u00e0 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb kh\u00f4ng kh\u00f4ng th\u1ed1ng nh\u1ea5t \u0111\u01b0\u1ee3c khi x\u1ea3y ra c\u00e1c sai s\u00f3t, vi ph\u1ea1m, t\u1ed5n th\u1ea5t, th\u00ec ch\u1ec9 c\u00f2n c\u00e1ch kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb.<\/p>\n

M\u1eb7c d\u00f9 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb, c\u00f3 v\u1ebb nh\u01b0 r\u1ea5t c\u00f4ng b\u1eb1ng, b\u00ecnh \u0111\u1eb3ng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng, th\u1eadm ch\u00ed c\u00f2n \u0111\u1eb7t ra y\u00eau c\u1ea7u cao h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n nh\u01b0 khi x\u1ea3y ra r\u1ee7i ro m\u1ea5t ti\u1ec1n t\u1eeb d\u1ecbch v\u1ee5 th\u1ebb, ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m n\u1ebfu ch\u01b0a ph\u1ed5 bi\u1ebfn, h\u01b0\u1edbng d\u1eabn, gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u1ea7y \u0111\u1ee7 cho kh\u00e1ch h\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 th\u1ebb, thao t\u00e1c \u0111\u00fang quy tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb, c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i v\u00e0 c\u00e1ch x\u1eed l\u00fd khi g\u1eb7p s\u1ef1 c\u1ed1 s\u1eed d\u1ee5ng th\u1ebb theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 35\/2006\/Q\u0110-NHNN v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean.<\/p>\n

Tuy nhi\u00ean, v\u1edbi v\u1ecb th\u1ebf b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin, \u0111\u1ee9ng b\u00ean ngo\u00e0i nh\u01b0ng l\u1ea1i ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p v\u00e0 b\u1ea3o m\u1eadt r\u1ea5t cao c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec th\u1ef1c t\u1ebf r\u1ee7i ro trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng th\u1ebb d\u01b0\u1eddng nh\u01b0 d\u1ed3n h\u1ebft v\u1ec1 ph\u00eda ch\u1ee7 th\u1ebb.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Ph\u00e1p lu\u1eadt) 31-8-2016:<\/em><\/strong><\/p>\n

http:\/\/www.thesaigontimes.vn\/150770\/Trach-nhiem-chinh-la-cua-ai.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a ai? (KTSG) – Vi\u1ec7c li\u00ean ti\u1ebfp x\u1ea3y ra c\u00e1c v\u1ee5 m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n th\u1ebb \u1edf ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 s\u1ef1 b\u1ea3o m\u1eadt v\u00e0 \u0111\u1ed9 an to\u00e0n khi s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Nh\u01b0ng […]<\/p>\n","protected":false},"author":7,"featured_media":4604,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n208. Tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a ai? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Li\u00ean ti\u1ebfp x\u1ea3y ra c\u00e1c v\u1ee5 m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n th\u1ebb \u1edf ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m d\u1ea5y l\u00ean lo ng\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a ai?\" \/>\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\/208-trach-nhiem-chinh-la-cua-ai\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]208. 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