{"id":50311,"date":"2026-07-31T16:50:54","date_gmt":"2026-07-31T09:50:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=50311"},"modified":"2026-07-31T16:50:54","modified_gmt":"2026-07-31T09:50:54","slug":"461-hoan-thien-phap-luat-trong-linh-vuc-ngan-hang-dap-ung-yeu-cau-phat-trien-dat-nuoc-trong-ky-nguyen-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/461-hoan-thien-phap-luat-trong-linh-vuc-ngan-hang-dap-ung-yeu-cau-phat-trien-dat-nuoc-trong-ky-nguyen-moi\/","title":{"rendered":"461. Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc trong K\u1ef7 nguy\u00ean m\u1edbi"},"content":{"rendered":"

Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng <\/strong>y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc trong K\u1ef7 nguy\u00ean m\u1edbi.<\/strong><\/span><\/h4>\n

(B\u00e1o c\u00e1o chuy\u00ean \u0111\u1ec1 ph\u1ee5c v\u1ee5 x\u00e2y d\u1ef1ng \u0111\u1ec1 \u00e1n \u201cChi\u1ebfn l\u01b0\u1ee3c ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt Vi\u1ec7t Nam trong K\u1ef7 nguy\u00ean m\u1edbi)<\/p>\n

1. M\u1ed9t s\u1ed1 \u0111\u00e1nh gi\u00e1 v\u1ec1 th\u1ef1c tr\u1ea1ng h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n
1.2. M\u1ed9t s\u1ed1 k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c:<\/em><\/strong><\/h5>\n

1.1.1. V\u1ec1 m\u1ee9c \u0111\u1ed9 th\u1ec3 ch\u1ebf h\u00f3a ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u01b0\u1eddng l\u1ed1i c\u1ee7a \u0110\u1ea3ng; m\u1ee9c \u0111\u1ed9 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111i\u1ec1u ch\u1ec9nh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/em><\/p>\n

H\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ec3 ch\u1ebf h\u00f3a m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n, b\u00e1m s\u00e1t c\u00e1c Ngh\u1ecb quy\u1ebft c\u1ee7a \u0110\u1ea3ng (\u0111\u1eb7c bi\u1ec7t l\u00e0 Ngh\u1ecb quy\u1ebft \u0110\u1ea1i h\u1ed9i XIII, Ngh\u1ecb quy\u1ebft s\u1ed1 27-NQ\/TW c\u1ee7a Ban ch\u1ea5p h\u00e0nh Trung \u01b0\u01a1ng \u0110\u1ea3ng C\u1ed9ng s\u1ea3n Vi\u1ec7t Nam v\u1ec1 \u201cTi\u1ebfp t\u1ee5c x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n Nh\u00e0 n\u01b0\u1edbc ph\u00e1p quy\u1ec1n x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a trong giai \u0111o\u1ea1n m\u1edbi\u201d[1]<\/sup><\/a>). Tr\u1ecdng t\u00e2m h\u01b0\u1edbng t\u1edbi c\u1ee7a c\u00e1c Ngh\u1ecb quy\u1ebft n\u00e0y l\u00e0 x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i, minh b\u1ea1ch v\u00e0 th\u00edch \u1ee9ng v\u1edbi kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng \u0111\u1ecbnh h\u01b0\u1edbng XHCN, ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t v\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng. Ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n, k\u1ecbp th\u1eddi \u0111i\u1ec1u ch\u1ec9nh c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh nh\u01b0: x\u1eed l\u00fd n\u1ee3 x\u1ea5u, c\u01a1 c\u1ea5u l\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m v\u00e0 th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/p>\n

\u0110\u1ed3ng th\u1eddi, h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n nhu c\u1ea7u \u0111i\u1ec1u ch\u1ec9nh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng, \u0111\u00f3ng vai tr\u00f2 x\u01b0\u01a1ng s\u1ed1ng cho to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho \u0111\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

1.1.2. V\u1ec1 t\u00ednh \u0111\u1ea7y \u0111\u1ee7, to\u00e0n di\u1ec7n v\u00e0 k\u1ecbp th\u1eddi:<\/em><\/p>\n

H\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh l\u1edbn, ph\u1ee9c t\u1ea1p chi ti\u1ebft v\u00e0 \u0111\u1ea7y \u0111\u1ee7 nh\u1ea5t. H\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng t\u1eadp trung v\u00e0o 04 c\u1ea5p \u0111\u1ed9 v\u0103n b\u1ea3n ch\u00ednh v\u00e0 ph\u1ed5 bi\u1ebfn c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ebfn cu\u1ed1i th\u00e1ng 5\/2026 g\u1ed3m 05 \u0111\u1ea1o lu\u1eadt[2]<\/sup><\/a>, 01 ph\u00e1p l\u1ec7nh[3]<\/sup><\/a>, kho\u1ea3ng 56 ngh\u1ecb \u0111\u1ecbnh v\u00e0 454 th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn chuy\u00ean s\u00e2u, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 tri\u1ec3n khai nghi\u1ec7p v\u1ee5 c\u1ee5 th\u1ec3 ngay l\u1eadp t\u1ee9c. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e0nh ban h\u00e0nh nhi\u1ec1u th\u00f4ng t\u01b0; trong 10 n\u0103m, t\u1eeb 2016 \u2013 2025, \u0111\u00e3 ban h\u00e0nh 394 th\u00f4ng t\u01b0, b\u00ecnh qu\u00e2n 39,4 th\u00f4ng t\u01b0 m\u1ed7i n\u0103m; \u0111\u1eb7c bi\u1ec7t ch\u1ec9 trong 03 n\u0103m, t\u1eeb 2023 v\u00e0 2025, \u0111\u00e3 ban h\u00e0nh 149 th\u00f4ng t\u01b0 (g\u1ea5p 2,4 l\u1ea7n 3 n\u0103m li\u1ec1n tr\u01b0\u1edbc \u0111\u00f3); ri\u00eang 2 n\u0103m 2024 – 2025 \u0111\u00e3 ban h\u00e0nh 149 th\u00f4ng t\u01b0, ch\u1ee7 y\u1ebfu \u0111\u1ec3 tri\u1ec3n khai Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 (b\u00ecnh qu\u00e2n 10 n\u0103m tr\u01b0\u1edbc \u0111\u00f3, m\u1ed7i n\u0103m ban h\u00e0nh 33,5 th\u00f4ng t\u01b0); k\u1ebf ho\u1ea1ch n\u0103m 2026, ban h\u00e0nh 18 th\u00f4ng t\u01b0[4]<\/a>, tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf \u0111\u1ebfn ng\u00e0y 19\/5\/2026 \u0111\u00e3 ban h\u00e0nh 22 th\u00f4ng t\u01b0.<\/p>\n

Cho \u0111\u1ebfn nay, ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u00e3 bao ph\u1ee7 to\u00e0n b\u1ed9 c\u00e1c m\u1ea3ng ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, t\u1eeb ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng (huy \u0111\u1ed9ng, cho vay, thanh to\u00e1n) \u0111\u1ebfn c\u00e1c m\u1ea3ng ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i (ng\u00e2n h\u00e0ng s\u1ed1, ngo\u1ea1i h\u1ed1i, ti\u1ec1n di \u0111\u1ed9ng – Mobile Money). Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u00e3 k\u1ecbp th\u1eddi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 can thi\u1ec7p s\u1edbm, x\u1eed l\u00fd t\u00ecnh hu\u1ed1ng c\u1ea5p b\u00e1ch \u0111\u1ec3 ng\u0103n ch\u1eb7n r\u1ee7i ro h\u1ec7 th\u1ed1ng ch\u01b0a c\u00f3 trong c\u00e1c Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 v\u00e0 2010.<\/p>\n

1.1.3. V\u1ec1 t\u00ednh h\u1ee3p hi\u1ebfn, h\u1ee3p ph\u00e1p, th\u1ed1ng nh\u1ea5t, \u0111\u1ed3ng b\u1ed9, kh\u1ea3 thi, c\u00f4ng khai, minh b\u1ea1ch, \u1ed5n \u0111\u1ecbnh, d\u1ec5 ti\u1ebfp c\u1eadn v\u00e0 t\u01b0\u01a1ng th\u00edch v\u1edbi c\u00e1c \u0111i\u1ec1u \u01b0\u1edbc qu\u1ed1c t\u1ebf m\u00e0 N\u01b0\u1edbc C\u1ed9ng h\u00f2a x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam l\u00e0 th\u00e0nh vi\u00ean: <\/em><\/p>\n

C\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng b\u1ea3o \u0111\u1ea3m ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Hi\u1ebfn ph\u00e1p v\u00e0 c\u00e1c \u0111\u1ea1o lu\u1eadt. Tuy nhi\u00ean, trong \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p, Th\u00f4ng t\u01b0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ch\u1ec9 \u0111\u1ec3 quy \u0111\u1ecbnh \u201cChi ti\u1ebft \u0111i\u1ec1u, kho\u1ea3n, \u0111i\u1ec3m v\u00e0 c\u00e1c n\u1ed9i dung kh\u00e1c \u0111\u01b0\u1ee3c giao trong lu\u1eadt, ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i, ph\u00e1p l\u1ec7nh, ngh\u1ecb quy\u1ebft c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, l\u1ec7nh, quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ch\u1ee7 t\u1ecbch n\u01b0\u1edbc, ngh\u1ecb \u0111\u1ecbnh, ngh\u1ecb quy\u1ebft c\u1ee7a Ch\u00ednh ph\u1ee7, quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7<\/em>\u201d v\u00e0 \u201cBi\u1ec7n ph\u00e1p th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u1ee7a m\u00ecnh; ph\u00e2n c\u1ea5p v\u00e0 th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n \u0111\u01b0\u1ee3c ph\u00e2n c\u1ea5p<\/em>\u201d theo Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt[5]<\/a>, m\u00e0 c\u00f2n quy \u0111\u1ecbnh m\u1edbi nhi\u1ec1u n\u1ed9i dung c\u1ea7n thi\u1ebft li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng. V\u00ed d\u1ee5, Lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p c\u1ea5m cho vay, m\u00e0 ch\u1ec9 quy \u0111\u1ecbnh 07 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi kh\u00f4ng h\u1ec1 giao th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh th\u00eam cho Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc[6]<\/a>, nh\u01b0ng ri\u00eang Th\u00f4ng t\u01b0 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay (m\u1ed9t nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng) c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 quy \u0111\u1ecbnh t\u1edbi 10 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c cho vay[7]<\/a>. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 kh\u00e1c nhau, th\u1eadm ch\u00ed m\u00e2u thu\u1eabn gi\u1eefa ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c lu\u1eadt kh\u00e1c (nh\u01b0 Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt \u0110\u1ea7u t\u01b0) l\u00e0 do quan \u0111i\u1ec3m c\u1ea7n x\u1eed l\u00fd ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng \u0111\u1eb7c th\u00f9 v\u00e0 y\u00eau c\u1ea7u th\u1ef1c t\u1ebf. V\u00ed d\u1ee5 nh\u01b0 doanh nghi\u1ec7p l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 c\u00f3 m\u1ed9t ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt v\u00e0 m\u1ed9t con d\u1ea5u, m\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt v\u00e0 nhi\u1ec1u con d\u1ea5u nh\u01b0 c\u00e1c doanh nghi\u1ec7p n\u00f3i chung. C\u00e1c quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u1ed3ng th\u1eddi li\u00ean quan \u0111\u1ebfn c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c nh\u01b0 k\u1ebf to\u00e1n, ki\u1ec3m to\u00e1n, thu\u1ebf c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ec9nh s\u1eeda \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed3ng b\u1ed9, gi\u1ea3m thi\u1ec3u s\u1ef1 kh\u00e1c bi\u1ec7t kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh c\u0169ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean n\u0103ng l\u1ef1c th\u1ef1c thi c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. V\u00ed d\u1ee5: L\u1ed9 tr\u00ecnh \u00e1p d\u1ee5ng Basel II[8]<\/a> \u0111\u01b0\u1ee3c chia theo t\u1eebng nh\u00f3m ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh th\u1ef1c t\u1ebf, tr\u00e1nh g\u00e2y s\u1ed1c cho th\u1ecb tr\u01b0\u1eddng.<\/p>\n

D\u1ef1 th\u1ea3o v\u0103n b\u1ea3n \u0111\u1ec1u \u0111\u01b0\u1ee3c l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i v\u00e0 ti\u1ebfp thu \u00fd ki\u1ebfn t\u1eeb c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu t\u00e1c \u0111\u1ed9ng. H\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u0169ng \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a v\u00e0 c\u00f4ng khai k\u1ecbp th\u1eddi, \u0111\u1ea7y \u0111\u1ee7, gi\u00fap cho vi\u1ec7c ti\u1ebfp c\u1eadn, tra c\u1ee9u thu\u1eadn ti\u1ec7n.<\/p>\n

C\u00e1c lu\u1eadt, ph\u00e1p l\u1ec7nh trong l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng nh\u01b0 Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh, v\u1edbi tu\u1ed5i th\u1ecd trung b\u00ecnh tr\u00ean 10 n\u0103m, t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd kh\u00e1 \u1ed5n \u0111\u1ecbnh.<\/p>\n

Ngo\u00e0i ra, ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 t\u1eebng b\u01b0\u1edbc t\u01b0\u01a1ng th\u00edch v\u1edbi c\u00e1c cam k\u1ebft v\u00e0 chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf, nh\u01b0 v\u1ec1 vi\u1ec7c ph\u00e2n lo\u1ea1i n\u1ee3, ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n (AML), v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 (CFT).<\/p>\n

1.2. M\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf v\u00e0 nguy\u00ean nh\u00e2n:<\/em><\/strong><\/h5>\n

1.2.1. V\u1ec1 m\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf:<\/em><\/p>\n

S\u1ef1 thi\u1ebfu \u0111\u1ed3ng b\u1ed9 gi\u1eefa ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh v\u00e0 ph\u00e1p lu\u1eadt chung: \u0110\u00e2y l\u00e0 h\u1ea1n ch\u1ebf \u0111i\u1ec3n h\u00ecnh nh\u1ea5t. V\u1eabn c\u00f2n nh\u1eefng kho\u1ea3ng v\u00eanh gi\u1eefa Lu\u1eadt C\u00e1c t\u1ed5\u00a0 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 trong vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u0110i\u1ec1u n\u00e0y khi\u1ebfn qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb k\u00e9o d\u00e0i t\u1ea1i h\u1ec7 th\u1ed1ng T\u00f2a \u00e1n v\u00e0 c\u00e1c c\u01a1 quan thi h\u00e0nh \u00e1n.<\/p>\n

Ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng c\u00f2n ch\u01b0a ph\u1ee7 k\u00edn c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh m\u1edbi nh\u01b0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) v\u1eabn c\u00f2n \u0111ang trong qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m (Sandbox). C\u00e1c l\u0129nh v\u1ef1c nh\u01b0 cho vay ngang h\u00e0ng (P2P), hay t\u00e0i s\u1ea3n s\u1ed1 v\u1eabn ch\u01b0a c\u00f3 khung ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c, g\u00e2y r\u1ee7i ro cho c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00f3 kh\u0103n cho c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc.<\/p>\n

D\u00f9 qua m\u1ed7i phi\u00ean b\u1ea3n Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997, 2010, 2024 \u0111\u1ec1u \u0111\u00e3 si\u1ebft ch\u1eb7t h\u01a1n v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ch\u00e9o, v\u1ec1 ng\u01b0\u1eddi c\u00f3 li\u00ean quan, nh\u01b0ng v\u1eabn c\u00f2n mang t\u00ednh h\u00ecnh th\u1ee9c, ch\u01b0a \u0111\u1ea1t \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 th\u1ef1c ch\u1ea5t, ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng \u0111\u1ea7u t\u01b0 n\u00fap b\u00f3ng, nh\u1edd ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean h\u1ed9, d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n trong vi\u1ec7c nh\u1eadn di\u1ec7n, x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 t\u00ecnh tr\u1ea1ng r\u1ee7i ro v\u00e0 thao t\u00fang ng\u00e2n h\u00e0ng.<\/p>\n

Quy \u0111\u1ecbnh v\u1ec1 ph\u00e1 s\u1ea3n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, n\u00ean kh\u00f3 \u00e1p d\u1ee5ng, \u0111\u1ebfn nay ch\u01b0a \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0o.<\/p>\n

1.2.2. V\u1ec1 m\u1ed9t s\u1ed1 nguy\u00ean nh\u00e2n ch\u1ee7 quan:<\/em><\/p>\n

Nguy\u00ean nh\u00e2n \u0111\u1ea7u ti\u00ean xu\u1ea5t ph\u00e1t t\u1eeb n\u0103ng l\u1ef1c c\u00f2n h\u1ea1n ch\u1ebf c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng tr\u01b0\u1edbc vi\u1ec7c d\u1ef1 b\u00e1o xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh trong trung v\u00e0 d\u00e0i h\u1ea1n. C\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng ph\u00e1p lu\u1eadt c\u00f2n ch\u01b0a \u0111\u1ed5i m\u1edbi, ti\u1ebfn \u0111\u1ed9 th\u01b0\u1eddng g\u1ea5p g\u00e1p, quy tr\u00ecnh l\u1ea5y \u00fd ki\u1ebfn v\u00e0 th\u1ea9m \u0111\u1ecbnh v\u0103n b\u1ea3n c\u00f2n mang t\u00ednh h\u00ecnh th\u1ee9c, ch\u01b0a huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c s\u1ef1 tham gia c\u1ee7a c\u00e1c doanh nghi\u1ec7p v\u00e0 chuy\u00ean gia \u0111\u1ed9c l\u1eadp ngo\u00e0i ng\u00e0nh (ch\u1ee7 y\u1ebfu l\u1ea5y \u00fd ki\u1ebfn trong ng\u00e0nh).<\/p>\n

Do y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9, c\u00f9ng v\u1edbi t\u00ednh ch\u1ea5t nh\u1ea1y c\u1ea3m c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng e ng\u1ea1i r\u1ee7i ro, n\u00ean c\u00f3 xu h\u01b0\u1edbng xi\u1ebft l\u1ea1i \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n, d\u1eabn \u0111\u1ebfn nhi\u1ec1u quy \u0111\u1ecbnh mang t\u00ednh th\u1eaft ch\u1eb7t h\u01a1n l\u00e0 ki\u1ebfn t\u1ea1o ph\u00e1t tri\u1ec3n, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o, m\u1ea1o hi\u1ec3m kh\u00f3 qu\u1ea3n l\u00fd v\u00e0 ch\u1ee9a \u0111\u1ef1ng nhi\u1ec1u r\u1ee7i ro.<\/p>\n

V\u1edbi ngu\u1ed3n l\u1ef1c v\u00e0 n\u0103ng l\u1ef1c h\u1ea1n ch\u1ebf, vi\u1ec7c ban h\u00e0nh ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn th\u1ef1c thi v\u1eabn ch\u1eadm so v\u1edbi hi\u1ec7u l\u1ef1c c\u1ee7a Lu\u1eadt. \u0110\u1eb7c bi\u1ec7t l\u00e0 hai n\u0103m 2024 \u2013 2025, do thay \u0111\u1ed5i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 m\u1edbi, n\u00ean \u0111\u00e3 bu\u1ed9c ph\u1ea3i ban h\u00e0nh m\u1edbi v\u00e0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t lo\u1ea1t th\u00f4ng t\u01b0 cho ph\u00f9 h\u1ee3p. Do \u0111\u00f3, \u0111\u1ec3 ch\u1ea1y ti\u1ebfn \u0111\u1ed9, m\u1ea5y ng\u00e0y cu\u1ed1i m\u1ed7i n\u0103m nhi\u1ec1u th\u00f4ng t\u01b0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c ban h\u00e0nh c\u1ea5p t\u1eadp, v\u1edbi nhi\u1ec1u v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ngay. V\u00ed d\u1ee5 ch\u1ec9 trong m\u1ed9t ng\u00e0y 31\/12\/2025, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh 24 th\u00f4ng t\u01b0, trong \u0111\u00f3 7 v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ngay trong ng\u00e0y ho\u1eb7c ng\u00e0y h\u00f4m sau. Nh\u01b0 v\u1eady th\u1ef1c t\u1ebf v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb tr\u01b0\u1edbc gi\u1edd ban h\u00e0nh. \u0110\u00e2y c\u0169ng l\u00e0 th\u1ef1c tr\u1ea1ng chung \u0111\u1ed1i v\u1edbi nhi\u1ec1u v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt trong giai \u0111o\u1ea1n 2025 \u2013 2026.<\/p>\n

1.2.3. V\u1ec1 m\u1ed9t s\u1ed1 nguy\u00ean nh\u00e2n kh\u00e1ch quan:<\/em><\/p>\n

Ho\u1ea1t \u0111\u1ed9ng l\u1eadp ph\u00e1p, l\u1eadp quy kh\u00f4ng theo k\u1ecbp s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ee9t ph\u00e1 c\u1ee7a n\u1ec1n kinh t\u1ebf trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1edbc s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 4, v\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n th\u1ea7n t\u1ed1c c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 c\u00e1c m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi).<\/p>\n

Nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf to\u00e0n c\u1ea7u, t\u1eeb c\u00fa s\u1ed1c c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, \u0111\u1ebfn vi\u1ec7c l\u1ea1m ph\u00e1t v\u00e0 \u0111\u1ee9t g\u00e3y chu\u1ed7i cung \u1ee9ng, l\u00e0m cho ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng ph\u1ea3i li\u00ean t\u1ee5c \u0111i\u1ec1u ch\u1ec9nh, d\u1eabn \u0111\u1ebfn t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ch\u01b0a cao.<\/p>\n

Quan h\u1ec7 ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh c\u00f3 t\u00ednh ch\u1ea5t ph\u1ee9c t\u1ea1p, lu\u00f4n \u0111an xen v\u1edbi c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1, \u0111\u1ea5t \u0111ai, \u0111\u1ea7u t\u01b0, kinh doanh, th\u1eadm ch\u00ed c\u1ea3 h\u00ecnh s\u1ef1, khi\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ho\u00e0n to\u00e0n \u0111\u1ed9c l\u1eadp v\u00e0 kh\u00f4ng ch\u1ed3ng ch\u00e9o l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f3 kh\u0103n.<\/p>\n

2. M\u1ed9t s\u1ed1 \u0111\u00e1nh gi\u00e1 th\u1ef1c tr\u1ea1ng thi h\u00e0nh ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam hi\u1ec7n nay:<\/strong><\/h5>\n
2.1. M\u1ed9t s\u1ed1 k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c <\/em><\/strong><\/h5>\n

2.1.1. V\u1ec1 c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u00e3 tri\u1ec3n khai kh\u00e1 hi\u1ec7u qu\u1ea3 \u0110\u1ec1 \u00e1n \u201cT\u1ed5 ch\u1ee9c truy\u1ec1n th\u00f4ng ch\u00ednh s\u00e1ch c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn x\u00e3 h\u1ed9i trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt giai \u0111o\u1ea1n 2022 – 2027\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 \u00a0407\/Q\u0110-TTG ng\u00e0y 30\/3\/2022 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7. Giai \u0111o\u1ea1n 2017 \u2013 2025, g\u1ea7n nh\u01b0 duy nh\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 V\u1ee5 Truy\u1ec1n th\u00f4ng, \u0111\u1ed9c l\u1eadp v\u1edbi c\u00e1c c\u01a1 quan b\u00e1o ch\u00ed v\u00e0 trang th\u00f4ng tin \u0111i\u1ec7n t\u1eed c\u1ee7a ng\u00e0nh, \u0111\u1ec3 chuy\u00ean tr\u00e1ch vi\u1ec7c truy\u1ec1n th\u00f4ng ch\u00ednh s\u00e1ch c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 kh\u00e2u \u0111\u1ed9t ph\u00e1, c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn, gi\u00fap thay \u0111\u1ed5i nh\u1eadn th\u1ee9c v\u1ec1 ng\u00e0nh Ng\u00e2n h\u00e0ng c\u1ee7a c\u00f4ng ch\u00fang.<\/p>\n

V\u1edbi t\u00ednh ch\u1ee7 \u0111\u1ed9ng cao, truy\u1ec1n th\u00f4ng ch\u00ednh s\u00e1ch c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng tham gia s\u1edbm ngay t\u1eeb kh\u00e2u so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n. V\u00ed d\u1ee5 nh\u01b0 \u0111\u1ed1i v\u1edbi Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi n\u0103m 2025, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u1ef1c hi\u1ec7n truy\u1ec1n th\u00f4ng \u0111a ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec3 t\u1ea1o s\u1ef1 \u0111\u1ed3ng thu\u1eadn x\u00e3 h\u1ed9i, gi\u00fap ng\u01b0\u1eddi g\u1eedi ti\u1ec1n y\u00ean t\u00e2m, gi\u1ea3m thi\u1ec3u tin \u0111\u1ed3n th\u1ea5t thi\u1ec7t g\u00e2y r\u1ee7i ro h\u1ec7 th\u1ed1ng.<\/p>\n

\u0110\u1eb7c bi\u1ec7t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f2n ph\u1ed1i v\u1edbi v\u1edbi VTV tri\u1ec3n khai c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c, gi\u1ea3i tr\u00ed t\u00e0i ch\u00ednh nh\u01b0 \u201cTi\u1ec1n kh\u00e9o ti\u1ec1n kh\u00f4n\u201d (VTV3 2017 – 2022), \u201cTay h\u00f2m ch\u00eca kh\u00f3a\u201d (VTV2 2022 \u2013 2026 v\u1eabn \u0111ang ph\u00e1t), c\u00f3 t\u1ec9 l\u1ec7 ng\u01b0\u1eddi xem r\u1ea5t cao, gi\u00fap \u0111\u01b0a ki\u1ebfn th\u1ee9c ph\u00e1p l\u00fd kh\u00f4 khan th\u00e0nh c\u00e1c t\u00ecnh hu\u1ed1ng g\u1ea7n g\u0169i, vui v\u1ebb, h\u1ea5p d\u1eabn. V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Truy\u1ec1n th\u00f4ng L\u00ea Th\u1ecb Th\u00fay Sen \u0111\u00e3 vi\u1ebft cu\u1ed1n s\u00e1ch \u201cKh\u00e9o kh\u00f4n v\u1edbi ti\u1ec1n \u2013 Tr\u00e1nh nh\u1eefng \u01b0u phi\u1ec1n\u201d (Nh\u00e0 xu\u1ea5t b\u1ea3n Kim \u0110\u1ed3ng 2023) v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ed9 s\u00e1ch 12 cu\u1ed1n \u201cGi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh\u201d (Nh\u00e0 xu\u1ea5t b\u1ea3n Gi\u00e1o d\u1ee5c 2025), \u0111\u01b0\u1ee3c in h\u00e0ng v\u1ea1n cu\u1ed1n \u0111\u01b0a v\u00e0o gi\u1ea3ng d\u1ea1y \u1edf t\u1ea5t c\u1ea3 c\u1ea5p h\u1ecdc ph\u1ed5 th\u00f4ng.<\/p>\n

2.1.2. V\u1ec1 hi\u1ec7u<\/em> qu\u1ea3<\/em> c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt:<\/em><\/p>\n

H\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng trong kho\u1ea3ng 10 n\u0103m g\u1ea7n \u0111\u00e2y \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u00ednh kh\u1ea3 thi cao h\u01a1n \u0111\u00e1ng k\u1ec3 so tr\u01b0\u1edbc. Nh\u00ecn chung, c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng d\u1ec5 ti\u1ebfp c\u1eadn, d\u1ec3 hi\u1ec3u v\u00e0 d\u1ec5 tu\u00e2n th\u1ee7 h\u01a1n \u0111\u1ed1i v\u1edbi c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 kh\u00e1ch h\u00e0ng t\u1eeb ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, vay ti\u1ec1n, cho \u0111\u1ebfn s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c.<\/p>\n

V\u00ec nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, ph\u1ea7n l\u1edbn v\u0103n b\u1ea3n nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf \u0111\u00fac k\u1ebft, n\u00e2ng c\u1ea5p, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung nh\u1eefng quy \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc, n\u00ean c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng thu\u1eadn l\u1ee3i ngay t\u1eeb th\u1eddi \u0111i\u1ec3m v\u0103n b\u1ea3n m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f3 nh\u1eefng v\u0103n b\u1ea3n tuy kh\u00f4ng ph\u1ea3i l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, l\u1ea1i l\u00e0 y\u00eau c\u1ea7u m\u1edbi li\u00ean quan \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 h\u00e0ng tr\u0103m tri\u1ec7u t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng, nh\u01b0ng v\u00ec t\u1ea7m quan tr\u1ecdng, c\u1ea7n thi\u1ebft, n\u00ean v\u1eabn c\u00f3 s\u1ef1 \u0111\u1ed3ng thu\u1eadn cao, \u0111\u01b0\u1ee3c tri\u1ec3n khai nhanh v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3, nh\u01b0 vi\u1ec7c tri\u1ec3n khai \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed (eKYC)[9]<\/a>.<\/p>\n

H\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c k\u1ecbp th\u1eddi nh\u1eefng v\u01b0\u1edbng m\u1eafc th\u1ef1c t\u1ebf. V\u00ed d\u1ee5 nh\u01b0 Ngh\u1ecb quy\u1ebft s\u1ed1 42\/2017\/QH14 v\u1ec1 X\u1eed l\u00fd n\u1ee3 x\u1ea5u, sau \u0111\u00f3 \u0111\u01b0\u1ee3c gia h\u1ea1n v\u00e0 b\u1ed5 sung v\u00e0o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024, \u0111\u00e3 c\u00f3 t\u00e1c d\u1ee5ng r\u00f5 r\u1ec7t gi\u00fap thu h\u1ed3i, x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7u qu\u1ea3 trong giai \u0111o\u1ea1n 2017 – 2026.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh n\u00e2ng c\u1ea5p ch\u1ea5t l\u01b0\u1ee3ng theo chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf nh\u01b0 Basel II, Basel III \u0111\u00e3 gi\u00fap h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro, c\u00f3 kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu t\u1ed1t tr\u01b0\u1edbc c\u00e1c c\u00fa s\u1ed1c kinh t\u1ebf to\u00e0n c\u1ea7u.<\/p>\n

C\u00e1c v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u00e3 g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y m\u1ea1nh m\u1ebd vi\u1ec7c thanh to\u00e1n \u0111i\u1ec7n t\u1eed, gi\u00fap vi\u1ec7c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong giai \u0111o\u1ea1n 2021 \u2013 2025 t\u0103ng tr\u01b0\u1edfng kho\u1ea3ng 30 – 40%\/n\u0103m, \u0111\u01b0a Vi\u1ec7t Nam \u0111\u1ee9ng \u0111\u1ea7u khu v\u1ef1c v\u1ec1 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng giao d\u1ecbch s\u1ed1, \u0111\u1eb7t n\u1ec1n m\u00f3ng v\u1eefng ch\u1eafc cho n\u1ec1n kinh t\u1ebf s\u1ed1.<\/p>\n

M\u1eb7c d\u00f9 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 m\u1ed9t trong v\u00e0i ng\u00e0nh ban h\u00e0nh nhi\u1ec1u th\u00f4ng t\u01b0 nh\u1ea5t, nh\u01b0ng nh\u00ecn chung n\u1ed9i dung t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh, \u00edt b\u1ecb s\u1eeda \u0111\u1ed5i, b\u1ed5 sung. V\u00ed d\u1ee5, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN \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 l\u00e0 v\u0103n b\u1ea3n nghi\u1ec7p v\u1ee5 c\u01a1 b\u1ea3n, quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u, \u0111\u1ebfn nay \u0111\u00e3 g\u1ea7n 10 n\u0103m, tuy c\u0169ng \u0111\u00e3 qua v\u00e0i l\u1ea7n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung. B\u00ean c\u1ea1nh \u0111\u00f3, ngo\u1ea1i l\u1ec7 c\u00f3 nh\u1eefng nghi\u1ec7p v\u1ee5 truy\u1ec1n th\u1ed1ng c\u0169, r\u1ea5t c\u01a1 b\u1ea3n, nh\u01b0ng v\u1eabn ph\u1ea3i thay \u0111\u1ed5i nhi\u1ec1u, nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng t\u1eeb n\u0103m 2012 \u0111\u1ebfn 2024 \u0111\u00e3 ban h\u00e0nh t\u1edbi 6 th\u00f4ng t\u01b0[10]<\/a>, trong khi v\u1eabn x\u1ea3y ra nhi\u1ec1u r\u1ee7i ro tranh ch\u1ea5p nh\u1ee9c nh\u1ed1i v\u1ec1 nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh, g\u00e2y ra r\u1ea5t nhi\u1ec1u hoang mang lo ng\u1ea1i cho ng\u01b0\u1eddi nh\u1eadn b\u1ea3o l\u00e3nh.<\/p>\n

Do \u0111\u1eb7c th\u00f9 c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 li\u00ean quan, ph\u1ea3i tu\u00e2n th\u1ee7 nhi\u1ec1u quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, li\u00ean quan \u0111\u1ebfn nhi\u1ec1u y\u00eau c\u1ea7u \u0111\u00f2i h\u1ecfi qu\u1ed1c t\u1ebf, n\u00ean chi ph\u00ed tu\u00e2n th\u1ee7 th\u01b0\u1eddng kh\u00f4ng th\u1ea5p khi ph\u1ea3i b\u1ed1 tr\u00ed nh\u00e2n l\u1ef1c, m\u00e1y m\u00f3c, c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd. Tuy nhi\u00ean, chi ph\u00ed tu\u00e2n th\u1ee7 t\u0103ng th\u00eam so v\u1edbi quy m\u00f4 kinh doanh c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 \u1edf m\u1ee9c h\u1ee3p l\u00fd, ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n

2.2.3. V\u1ec1 vi\u1ec7c ki\u1ec3m<\/em> tra, r\u00e0 so\u00e1t, h\u1ee3p nh\u1ea5t, h\u1ec7 th\u1ed1ng h\u00f3a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e0nh tham gia t\u00edch c\u1ef1c v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3 v\u00e0o c\u00e1c c\u00f4ng vi\u1ec7c ki\u1ec3m tra, r\u00e0 so\u00e1t, h\u1ec7 th\u1ed1ng h\u00f3a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, trong \u0111\u00f3 c\u00f3 vi\u1ec7c ph\u00e1p \u0111i\u1ec3n h\u00f3a h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng v\u00e0 h\u1ee3p nh\u1ea5t ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o.<\/p>\n

2.2.4. V\u1ec1 vi\u1ec7c gi\u1ea3i th\u00edch v\u00e0 h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u01b0\u1eddng xuy\u00ean t\u1ed5 ch\u1ee9c ph\u1ed5 bi\u1ebfn, t\u1eadp hu\u1ea5n v\u00e0 ban h\u00e0nh nhi\u1ec1u c\u00f4ng v\u0103n gi\u1ea3i \u0111\u00e1p, h\u01b0\u1edbng d\u1eabn k\u1ecbp th\u1eddi, c\u1ee5 th\u1ec3 c\u00e1c v\u1ea5n \u0111\u1ec1 nghi\u1ec7p v\u1ee5 c\u1ee5 th\u1ec3 cho t\u1eebng nh\u00f3m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (nh\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 cho vay, b\u1ea3o l\u00e3nh, thanh to\u00e1n, eKYC, Open API).<\/p>\n

2.2.5. V\u1ec1 vi\u1ec7c \u0111\u1ed1i tho\u1ea1i v\u00e0 gi\u1ea3i quy\u1ebft v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd:<\/em><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u01b0\u1eddng xuy\u00ean t\u1ed5 ch\u1ee9c vi\u1ec7c \u0111\u1ed1i tho\u1ea1i, ti\u1ebfp nh\u1eadn, l\u1eafng nghe ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb, gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc v\u1ec1 ph\u00e1p l\u00fd c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00e1 nh\u00e2n, doanh nghi\u1ec7p v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng. Nhi\u1ec1u v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp thu nh\u01b0 cho vay c\u00e1c kho\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf d\u01b0\u1edbi 100 tri\u1ec7u kh\u00f4ng c\u1ea7n ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n (Th\u00f4ng t\u01b0 s\u1ed1 12\/2024\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN).<\/p>\n

\u0110\u1ed3ng th\u1eddi, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 B\u1ed9 N\u00f4ng nghi\u1ec7p v\u00e0 M\u00f4i tr\u01b0\u1eddng \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

2.2.6. V\u1ec1 vi\u1ec7c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t, x\u1eed l\u00fd vi ph\u1ea1m ph\u00e1p lu\u1eadt: <\/em><\/p>\n

C\u00f4ng t\u00e1c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1eb7c bi\u1ec7t coi tr\u1ecdng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt v\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i m\u1ea1nh theo h\u01b0\u1edbng t\u1eeb ch\u1ee7 y\u00eau l\u00e0 thanh tra t\u1ea1i ch\u1ed7 sang ch\u1ee7 y\u1ebfu l\u00e0 gi\u00e1m s\u00e1t s\u1edbm, gi\u00e1m s\u00e1t t\u1eeb xa d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, \u0111\u1ed3ng th\u1eddi v\u1eabn t\u1ed5 ch\u1ee9c nhi\u1ec1u cu\u1ed9c thanh tra \u0111\u1ec3 ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd nhi\u1ec1u v\u1ee5 vi\u1ec7c vi ph\u1ea1m.<\/p>\n

V\u1edbi vai tr\u00f2 quan tr\u1ecdng c\u1ee7a c\u00f4ng t\u00e1c thanh tra, n\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 m\u1ed9t trong s\u1ed1 r\u1ea5t \u00edt b\u1ed9, ng\u00e0nh tr\u01b0\u1edbc kia t\u1ed5 ch\u1ee9c thanh tra theo m\u00f4 h\u00ecnh t\u1ed5ng c\u1ee5c v\u00e0 c\u00f2n ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c ph\u00e9p duy tr\u00ec c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng sau khi th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch tinh gi\u1ea3n bi\u00ean ch\u1ebf v\u00e0 tinh g\u1ecdn t\u1ed5 ch\u1ee9c c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh t\u1eeb n\u0103m 2025[11]<\/sup><\/a>.<\/p>\n

2.2.7. V\u1ec1 m\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng trong ng\u00e0nh Ng\u00e2n h\u00e0ng:<\/em><\/p>\n

Nh\u00ecn chung, nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, sau nhi\u1ec1u v\u1ee5 \u00e1n, nh\u1ea5t l\u00e0 \u201c\u0111\u1ea1i \u00e1n\u201d li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, th\u00ec m\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 s\u1ef1 bi\u1ebfn chuy\u1ec3n \u0111\u00e1ng k\u1ec3 theo h\u01b0\u1edbng b\u00e0i b\u1ea3n, nghi\u00eam t\u00fac h\u01a1n, tr\u1edf th\u00e0nh \u00fd th\u1ee9c t\u1ef1 gi\u00e1c \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, gi\u1ea3m thi\u1ec3u vi\u1ec7c tu\u00e2n th\u1ee7 c\u00f3 t\u00ednh ch\u1ea5t \u0111\u1ed1i ph\u00f3.<\/p>\n

Sau h\u00e0ng lo\u1ea1t v\u1ee5 m\u1ea5t ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng, th\u00ec kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p lu\u1eadt c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 n\u00e2ng cao \u00fd th\u1ee9c tu\u00e2n th\u1ee7, t\u1eeb vi\u1ec7c giao d\u1ecbch vay v\u1ed1n, ti\u1ec1n g\u1eedi, ti\u1ec1n m\u1eb7t, t\u00e0i kho\u1ea3n thanh to\u00e1n, g\u00f3p ph\u1ea7n v\u00e0o vi\u1ec7c n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng v\u00e0 an to\u00e0n cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

2.3. M\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf v\u00e0 nguy\u00ean nh\u00e2n:<\/em><\/strong><\/h5>\n

2.3.1. M\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf:<\/em><\/p>\n

Trong vi\u1ec7c thi h\u00e0nh ph\u00e1p lu\u1eadt v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf nh\u01b0 s\u1ef1 thi\u1ebfu \u0111\u1ed3ng b\u1ed9 trong ph\u1ed1i h\u1ee3p li\u00ean ng\u00e0nh nh\u01b0 vi\u1ec7c thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u1eddng b\u1ecb \u0111\u00ecnh tr\u1ec7 do s\u1ef1 thi\u1ebfu th\u1ed1ng nh\u1ea5t gi\u1eefa quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng v\u1edbi ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u1ea5t \u0111ai, \u0111\u1ea7u t\u01b0, nh\u00e0 \u1edf, kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1; vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ea1i T\u00f2a \u00e1n th\u01b0\u1eddng b\u1ecb k\u00e9o d\u00e0i, trong khi Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng \u00edt \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn v\u00ec v\u01b0\u1edbng m\u1eafc kh\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft khi xu\u1ea5t hi\u1ec7n b\u00ean th\u1ee9 ba kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn tr\u1ecdng t\u00e0i.<\/p>\n

M\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 v\u1eabn c\u00f2n kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd ho\u1eb7c c\u00f2n \u0111ang trong giai \u0111o\u1ea1n \u0111\u1ea7u \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, cho vay ngang h\u00e0ng, t\u00e0i s\u1ea3n s\u1ed1. V\u00ed d\u1ee5, th\u1eeba k\u1ebf ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 ti\u1ec1n g\u1eedi kh\u00e1c l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1 ph\u1ed5 bi\u1ebfn, nh\u01b0ng c\u0169ng kh\u00e1 ph\u1ee9c t\u1ea1p, c\u1ea7n quy \u0111\u1ecbnh th\u1ed1ng nh\u1ea5t, c\u1ee5 th\u1ec3 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m \u201cvi\u1ec7c chi tr\u1ea3 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m ch\u00ednh x\u00e1c, an to\u00e0n t\u00e0i s\u1ea3n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d, \u0111\u1ed3ng th\u1eddi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi th\u1eeba k\u1ebf ti\u1ec1n g\u1eedi. Tuy nhi\u00ean, c\u00e1c Th\u00f4ng t\u01b0 v\u1ec1 ti\u1ec1n g\u1eedi c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1ea1i ho\u00e0n to\u00e0n b\u1ecf ng\u1ecf quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, m\u00e0 ch\u1ec9 giao tr\u00e1ch nhi\u1ec7m h\u01b0\u1edbng d\u1eabn th\u1ee7 th\u1ee5c chi tr\u1ea3 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng[12]<\/a>. Th\u1eadm ch\u00ed, \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, cho thu\u00ea t\u1ee7, k\u00e9t an to\u00e0n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u tr\u1ea3 l\u1ea1i v\u00e0 \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o qu\u1ea3n, hay trong vi\u1ec7c ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi th\u00ec ch\u1ec9 nh\u1eafc \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p th\u1eeba k\u1ebf, m\u00e0 kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 quy \u0111\u1ecbnh n\u00e0o trong tr\u01b0\u1eddng h\u1ee3p th\u1eeba k\u1ebf[13]<\/a>. V\u00ec v\u1eady tr\u00ean th\u1ef1c t\u1ebf, m\u1ed7i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh m\u1ed9t kh\u00e1c v\u00e0 g\u00e2y ra r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc cho ng\u01b0\u1eddi th\u1eeba k\u1ebf ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi.<\/p>\n

\u0110\u1eb7c bi\u1ec7t ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng ch\u01b0a quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3 v\u1ec1 tr\u00e1ch nhi\u1ec7m b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi ch\u01b0a c\u00f3 gi\u1ea3i ph\u00e1p k\u1ecbp th\u1eddi v\u00e0 h\u1eefu hi\u1ec7u ng\u0103n ch\u1eb7n, phong t\u1ecfa v\u00e0 thu h\u1ed3i t\u00e0i s\u1ea3n b\u1ecb t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao chi\u1ebfm \u0111o\u1ea1t. V\u00ed d\u1ee5, quy \u0111\u1ecbnh chuy\u1ec3n ti\u1ec1n t\u1eeb tr\u00ean 10 tri\u1ec7u th\u00ec ph\u1ea3i x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc, nh\u01b0ng ch\u1ec9 trong 14 ph\u00fat, t\u1eeb 01 gi\u1edd 19 ph\u00fat \u0111\u00eam 13\/12\/2025, kh\u00e1ch h\u00e0ng Nguy\u1ec5n Ch\u00ed S., Ban Th\u1eddi s\u1ef1 VTV \u0111\u00e3 b\u1ecb t\u1ed9i ph\u1ea1m chuy\u1ec3n kh\u1ecfi t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng K. 11 l\u1ea7n, v\u1edbi t\u1ed5ng c\u1ed9ng 05 t\u1ef7 \u0111\u1ed3ng, m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 m\u1ed9t l\u1ea7n n\u00e0o c\u00f3 x\u00e1c th\u1ef1c c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n[14]<\/a>.<\/p>\n

Trong ho\u1ea1t \u0111\u1ed9ng thanh tra, gi\u00e1m s\u00e1t th\u00ec ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a ph\u00e1t hi\u1ec7n, x\u1eed l\u00fd ch\u1ea5m d\u1ee9t \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o.<\/p>\n

2.3.2. Nguy\u00ean nh\u00e2n ch\u1ee7 quan:<\/em><\/p>\n

V\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd c\u1ee7a th\u1ecb tr\u01b0\u1eddng, s\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i, s\u1ef1 bi\u1ebfn \u0111\u1ed1i nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7, n\u00ean n\u0103ng l\u1ef1c c\u1ee7a \u0111\u1ed9i ng\u0169 th\u1ef1c thi c\u1ee7a c\u1ea3 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec1u ch\u01b0a theo k\u1ecbp.<\/p>\n

Sau nhi\u1ec1u v\u1ee5 \u00e1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 li\u00ean quan \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng, m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 ng\u00e0nh Ng\u00e2n h\u00e0ng c\u00f3 t\u00e2m l\u00fd e ng\u1ea1i, th\u1eadn tr\u1ecdng qu\u00e1 m\u1ee9c, d\u1eabn \u0111\u1ebfn vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c h\u1ed3 s\u01a1 nghi\u1ec7p v\u1ee5, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c nghi\u1ec7p v\u1ee5 m\u1edbi v\u00e0 h\u01b0\u1edbng d\u1eabn ph\u00e1p lu\u1eadt cho doanh nghi\u1ec7p \u0111\u00f4i khi b\u1ecb \u0111\u00ecnh tr\u1ec7 ho\u1eb7c b\u1ecb \u0111\u00f9n \u0111\u1ea9y tr\u00e1ch nhi\u1ec7m.<\/p>\n

Ngo\u00e0i ra, v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 ng\u01b0\u1eddi qu\u1ea3n l\u00fd v\u00e0 nh\u00e2n vi\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u01b0a \u0111\u1ec1 cao \u00fd th\u1ee9c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt, v\u1eabn t\u00ecm c\u00e1ch l\u00e1ch lu\u1eadt th\u00f4ng qua c\u00e1c c\u1ea5u tr\u00fac \u0111\u1ea7u t\u01b0 ph\u1ee9c t\u1ea1p \u0111\u1ec3 che gi\u1ea5u s\u1edf h\u1eefu th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ea9m \u0111\u1ecbnh ch\u1eb7t ch\u1ebd ho\u1eb7c b\u1ecf ng\u1ecf, th\u1eadm ch\u00ed ti\u1ebfp tay \u0111\u1ed1i v\u1edbi vi\u1ec7c cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n, kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho vay, \u0111\u1ea3o n\u1ee3 tr\u00e1i quy \u0111\u1ecbnh, s\u1eed d\u1ee5ng v\u1ed1n sai m\u1ee5c \u0111\u00edch.<\/p>\n

2.3.3. Nguy\u00ean nh\u00e2n kh\u00e1ch quan:<\/em><\/p>\n

T\u1ed1c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh r\u1ea5t l\u1edbn, t\u00ecnh h\u00ecnh kinh t\u1ebf th\u1ebf gi\u1edbi b\u1ea5t \u1ed5n, \u0111i li\u1ec1n v\u1edbi s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh lai (hybrid) v\u00e0 c\u00f4ng ngh\u1ec7 m\u1edbi (AI, Blockchain) qu\u00e1 nhanh, khi\u1ebfn c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt d\u1ec5 b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng l\u1ed7i th\u1eddi v\u00e0 m\u1ea5t \u1ed5n \u0111\u1ecbnh.<\/p>\n

Vi\u1ec7c thi\u1ebfu d\u1eef li\u1ec7u \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u00e0 thi\u1ebfu s\u1ef1 li\u00ean th\u00f4ng gi\u1eefa c\u01a1 s\u1edf d\u1eef li\u1ec7u d\u00e2n c\u01b0, d\u1eef li\u1ec7u doanh nghi\u1ec7p, d\u1eef li\u1ec7u \u0111\u1ea5t \u0111ai, khi\u1ebfn vi\u1ec7c th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng, c\u0169ng nh\u01b0 vi\u1ec7c ki\u1ec3m tra, x\u1eed l\u00fd vi ph\u1ea1m g\u1eb7p nhi\u1ec1u tr\u1edf ng\u1ea1i.<\/p>\n

3. M\u1ed9t s\u1ed1 \u0111\u00e1nh gi\u00e1 v\u1ec1 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o \u0111\u1ea3m cho c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n
3.1. M\u1ed9t s\u1ed1 k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c:<\/em><\/strong><\/h5>\n

3.1.1. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 ngu\u1ed3n nh\u00e2n l\u1ef1c ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111ang c\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 chuy\u00ean gia ph\u00e1p l\u00fd c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng cao t\u1ea1i Vi\u1ec7t Nam. \u0110\u1ed9i ng\u0169 c\u00e1n b\u1ed9 ph\u00e1p ch\u1ebf t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi s\u1ed1 l\u01b0\u1ee3ng \u0111\u00f4ng \u0111\u1ea3o h\u00e0ng \u0111\u1ea7u trong c\u00e1c ng\u00e0nh ngh\u1ec1, am hi\u1ec3u ph\u00e1p lu\u1eadt v\u00e0 nghi\u1ec7p v\u1ee5, chuy\u00ean nghi\u1ec7p, \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o li\u00ean t\u1ee5c, \u0111\u01b0\u1ee3c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i th\u1ef1c hi\u1ec7n c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt.<\/p>\n

3.1.2. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh:<\/em><\/p>\n

C\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u00f3i chung v\u00e0 trong ng\u00e0nh Ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u01b0u ti\u00ean ng\u00e2n s\u00e1ch h\u01a1n c\u00e1c b\u1ed9, ng\u00e0nh kh\u00e1c, do ng\u00e0nh \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf \u0111\u1eb7c th\u00f9, c\u00f3 quy\u1ec1n t\u1ef1 ch\u1ee7 v\u1ec1 t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 sau khi c\u00f3 Ngh\u1ecb quy\u1ebft s\u1ed1 197\/2025\/QH15 ng\u00e0y 17\/5\/2025 c\u1ee7a Qu\u1ed1c h\u1ed9i \u201cV\u1ec1 m\u1ed9t s\u1ed1 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch \u0111\u1eb7c bi\u1ec7t t\u1ea1o \u0111\u1ed9t ph\u00e1 trong x\u00e2y d\u1ef1ng v\u00e0 t\u1ed5 ch\u1ee9c thi h\u00e0nh ph\u00e1p lu\u1eadt\u201d. Trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c x\u00e3 h\u1ed9i, th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 nh\u00e2n s\u1ef1, \u0111\u1ed3ng th\u1eddi s\u1eb5n s\u00e0ng \u0111\u00f3ng g\u00f3p kinh ph\u00ed \u0111\u1ec3 kh\u1ea3o s\u00e1t, t\u1ed5ng k\u1ebft, so\u1ea1n th\u1ea3o, h\u1ed9i th\u1ea3o, g\u00f3p \u00fd, ph\u1ea3n bi\u1ec7n v\u00e0 tri\u1ec3n khai thi h\u00e0nh ph\u00e1p lu\u1eadt.<\/p>\n

3.1.3. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 h\u1ea1 t\u1ea7ng v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin:<\/em><\/p>\n

Ng\u00e2n h\u00e0ng l\u00e0 ng\u00e0nh c\u00f3 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng t\u1ed1t, hi\u1ec7n \u0111\u1ea1i, ti\u00ean phong v\u1ec1 h\u1ea1 t\u1ea7ng s\u1ed1 v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng n\u00f3i chung v\u00e0 trong thi h\u00e0nh ph\u00e1p lu\u1eadt n\u00f3i ri\u00eang. Do \u0111\u00f3, kh\u00e1 thu\u1eadn l\u1ee3i \u0111\u1ec3 tham gia c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng c\u0169ng nh\u01b0 thi h\u00e0nh ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u ki\u1ec7n ho\u1eb7c c\u1ea7n c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a h\u1ea1 t\u1ea7ng, trong \u0111\u00f3 c\u00f3 h\u1ea1 t\u1ea7ng s\u1ed1 v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin.<\/p>\n

3.1.4. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o:<\/em><\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbc Ch\u00ednh ph\u1ee7 x\u00e1c \u0111\u1ecbnh l\u00e0 m\u1ed9t trong t\u00e1m l\u0129nh v\u1ef1c \u01b0u ti\u00ean v\u00ec t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i, li\u00ean quan h\u1eb1ng ng\u00e0y t\u1edbi ng\u01b0\u1eddi d\u00e2n, thay \u0111\u1ed5i nh\u1eadn th\u1ee9c nhanh nh\u1ea5t, mang l\u1ea1i hi\u1ec7u qu\u1ea3, gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed, \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau trong \u201cCh\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia \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 749\/Q\u0110-TTg ng\u00e0y 03\/6\/2020 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ng\u00e0nh Ng\u00e2n h\u00e0ng v\u00e0o c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh trong giai \u0111o\u1ea1n 2024 \u2013 2026. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 tri\u1ec3n khai nghi\u1ec7p v\u1ee5 cho vay tr\u1ef1c tuy\u1ebfn, m\u1edf t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn (eKYC), x\u00e1c th\u1ef1c qua \u1ee9ng d\u1ee5ng VNeID, v\u00e0 c\u00e1c chu\u1ea9n h\u00f3a v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin[15]<\/a>.<\/p>\n

M\u1ed9t s\u1ed1 b\u00e1o c\u00e1o tu\u00e2n th\u1ee7 nh\u01b0 v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a; m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 c\u1ed1t l\u00f5i t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a ho\u00e0n to\u00e0n, s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch tr\u00ean k\u00eanh s\u1ed1 Internet Banking v\u00e0 Mobile Banking \u0111\u1ea1t tr\u00ean 90%.<\/p>\n

3.2. M\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf, b\u1ea5t c\u1eadp v\u00e0 nguy\u00ean nh\u00e2n:<\/em><\/strong><\/h5>\n

3.2.1. M\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf:<\/em><\/p>\n

Ng\u00e0nh Ng\u00e2n h\u00e0ng c\u00f2n thi\u1ebfu \u0111\u1ed9i ng\u0169 chuy\u00ean gia v\u1eeba am hi\u1ec3u s\u00e2u v\u1ec1 ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng, v\u1eeba c\u00f3 ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n v\u1ec1 c\u00f4ng ngh\u1ec7 (AI, Blockchain, Big Data). \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng quy \u0111\u1ecbnh cho c\u00e1c m\u00f4 h\u00ecnh Fintech th\u01b0\u1eddng b\u1ecb ch\u1eadm ho\u1eb7c thi\u1ebfu t\u00ednh d\u1ef1 b\u00e1o v\u00e0 l\u00e0m n\u1ea3y sinh c\u00e1c nguy c\u01a1 v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0 b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

S\u1ed1 l\u01b0\u1ee3ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ea7n r\u00e0 so\u00e1t, s\u1eeda \u0111\u1ed5i v\u00e0 h\u01b0\u1edbng d\u1eabn l\u00e0 qu\u00e1 l\u1edbn so v\u1edbi s\u1ed1 l\u01b0\u1ee3ng c\u00e1n b\u1ed9 ph\u00e1p ch\u1ebf, d\u1eabn \u0111\u1ebfn \u0111\u00f4i khi ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ch\u01b0a th\u1ef1c s\u1ef1 s\u00e1t v\u1edbi th\u1ef1c ti\u1ec5n.<\/p>\n

C\u01a1 ch\u1ebf chi ng\u00e2n s\u00e1ch cho vi\u1ec7c chuy\u00ean gia t\u01b0 v\u1ea5n, ph\u1ea3n bi\u1ec7n \u0111\u1ed9c l\u1eadp (\u0111\u1eb7c bi\u1ec7t l\u00e0 chuy\u00ean gia qu\u1ed1c t\u1ebf) v\u1eabn r\u1ea5t th\u1ea5p v\u00e0 kh\u00f3 kh\u0103n, n\u00ean ch\u01b0a thu h\u00fat \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 gi\u1ecfi v\u00e0 hi\u1ec7u qu\u1ea3 h\u00e0ng \u0111\u1ea7u.<\/p>\n

3.2.2. Nguy\u00ean nh\u00e2n ch\u1ee7 quan:<\/em><\/p>\n

M\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 v\u1eabn c\u00f2n e ng\u1ea1i v\u00e0 ch\u01b0a th\u00e0nh th\u1ea1o trong vi\u1ec7c \u00e1p d\u1ee5ng AI, n\u00ean ch\u01b0a t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c t\u1ed1i \u0111a l\u1ee3i th\u1ebf c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0o qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. Quy tr\u00ecnh x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n c\u00f2n \u01b0u ti\u00ean tu\u00e2n th\u1ee7 v\u1ec1 th\u1ee7 t\u1ee5c, h\u00ecnh th\u1ee9c \u0111\u1ec3 h\u1ee3p l\u00fd h\u00f3a c\u00f4ng vi\u1ec7c v\u00e0 tr\u00e1ch nhi\u1ec7m thay v\u00ec t\u1eadp trung tr\u00e1ch nhi\u1ec7m cao nh\u1ea5t v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng.<\/p>\n

3.2.3. Nguy\u00ean nh\u00e2n kh\u00e1ch quan:<\/em><\/p>\n

Do c\u00f4ng ngh\u1ec7 thay \u0111\u1ed5i qu\u00e1 nhanh ch\u00f3ng, n\u00ean c\u00e1c m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi) v\u00e0 ng\u00e2n h\u00e0ng \u1ea3o ph\u00e1t tri\u1ec3n v\u1edbi t\u1ed1c \u0111\u1ed9 v\u01b0\u1ee3t xa kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u1ee7a h\u1ea1 t\u1ea7ng ph\u00e1p l\u00fd truy\u1ec1n th\u1ed1ng.<\/p>\n

Quan h\u1ec7 ng\u00e2n h\u00e0ng mang t\u00ednh ch\u1ea5t \u0111a ng\u00e0nh, n\u00ean ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u1ee9ng \u0111\u1ed9c l\u1eadp, m\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o khung ph\u00e1p l\u00fd qu\u1ed1c t\u1ebf ph\u1ee9c t\u1ea1p; v\u00e0o s\u1ef1 \u0111\u1ed3ng b\u1ed9 c\u1ee7a h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin c\u0169ng nh\u01b0 d\u1eef li\u1ec7u c\u00e1c ng\u00e0nh li\u00ean quan (nh\u01b0 th\u00f4ng tin v\u1ec1 \u0111\u0103ng k\u00fd, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ea5t \u0111ai, thi h\u00e0nh \u00e1n).<\/p>\n

4. M\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau, gi\u1ea3i ph\u00e1p ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc trong K\u1ef7 nguy\u00ean m\u1edbi:<\/strong><\/h5>\n
4.1. M\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau \u0111\u1ebfn n\u0103m 2030 v\u00e0 2045:<\/em><\/strong><\/h5>\n

4.1.1. M\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau \u0111\u1ebfn n\u0103m 2030:<\/em><\/p>\n

M\u1ee5c ti\u00eau t\u1ed5ng qu\u00e1t trong giai \u0111o\u1ea1n 2026 \u2013 2030 l\u00e0 x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt hi\u1ec7n \u0111\u1ea1i, s\u1ed1 h\u00f3a; ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd cho ng\u00e2n h\u00e0ng s\u1ed1, t\u00e0i ch\u00ednh xanh v\u00e0 c\u00e1c m\u00f4 h\u00ecnh kinh doanh d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 (Fintech).<\/p>\n

Do \u0111\u00f3 ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i g\u00f3p ph\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau \u0111\u1ecbnh l\u01b0\u1ee3ng l\u00e0: Gi\u00e1 tr\u1ecb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t g\u1ea5p 30 – 40 l\u1ea7n GDP (n\u0103m 2024 g\u1ea5p 26 l\u1ea7n, n\u0103m 2025 g\u1ea5p 28 l\u1ea7n); 100% c\u00e1c chu\u1ea9n m\u1ef1c Basel III \u0111\u01b0\u1ee3c ghi nh\u1eadn trong h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng; 100% c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u00e0 ho\u1ea1t \u0111\u1ed9ng gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean m\u00f4i tr\u01b0\u1eddng s\u1ed1, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c[16]<\/a>. H\u00e0nh lang ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y \u0111\u1ebfn n\u0103m 2030 \u201c\u0111\u1ea1t m\u1ee5c ti\u00eau c\u00f3 \u00edt nh\u1ea5t 03 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc thu\u1ed9c nh\u00f3m 100 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t khu v\u1ef1c Ch\u00e2u \u00c1 v\u1ec1 t\u1ed5ng t\u00e0i s\u1ea3n; ph\u00e1t tri\u1ec3n 04 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc \u0111i \u0111\u1ea7u, ti\u00ean phong v\u1ec1 c\u00f4ng ngh\u1ec7, n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, ch\u1ee7 l\u1ef1c, ch\u1ee7 \u0111\u1ea1o v\u1ec1 quy m\u00f4, th\u1ecb ph\u1ea7n, kh\u1ea3 n\u0103ng \u0111i\u1ec1u ti\u1ebft th\u1ecb tr\u01b0\u1eddng trong to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng\u201d[17]<\/a>.<\/p>\n

4.1.2. M\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau \u0111\u1ebfn n\u0103m 2045:<\/em><\/p>\n

M\u1ee5c ti\u00eau t\u1ed5ng qu\u00e1t trong giai \u0111o\u1ea1n 2031 – 2045 l\u00e0 h\u00ecnh th\u00e0nh m\u1ed9t h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt th\u00f4ng minh v\u00e0 h\u1ed9i nh\u1eadp to\u00e0n c\u1ea7u; \u00e1p d\u1ee5ng chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb hi\u1ec7n \u0111\u1ea1i, n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd r\u1ee7i ro; b\u1ea3o \u0111\u1ea3m minh b\u1ea1ch th\u00f4ng tin v\u00e0 tr\u00e1ch nhi\u1ec7m gi\u1ea3i tr\u00ecnh. X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 to\u00e0n di\u1ec7n cho ng\u00e2n h\u00e0ng; s\u1ed1 ho\u00e1 d\u1ecbch v\u1ee5, d\u1eef li\u1ec7u, qu\u1ea3n l\u00fd v\u1ed1n theo th\u1eddi gian th\u1ef1c; ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1, m\u1edf r\u1ed9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn \u0111\u1ebfn m\u1ecdi v\u00f9ng mi\u1ec1n c\u1ee7a c\u1ea3 n\u01b0\u1edbc theo tinh th\u1ea7n Ngh\u1ecb quy\u1ebft s\u1ed1 79-NQ\/TW ng\u00e0y 06\/01\/2026 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb v\u1ec1 \u201cPh\u00e1t tri\u1ec3n kinh t\u1ebf nh\u00e0 n\u01b0\u1edbc\u201d.<\/p>\n

Do \u0111\u00f3 ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i g\u00f3p ph\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau \u0111\u1ecbnh l\u01b0\u1ee3ng l\u00e0: C\u00f3 \u00edt nh\u1ea5t 02 – 03 ng\u00e2n h\u00e0ng n\u1eb1m trong Top 100 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t khu v\u1ef1c v\u00e0 th\u1ebf gi\u1edbi, v\u1edbi 100% h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng t\u01b0\u01a1ng th\u00edch ho\u00e0n to\u00e0n v\u1edbi c\u00e1c th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n (OECD).<\/p>\n

4.2. Ki\u1ebfn ngh\u1ecb m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p:<\/em><\/strong><\/h5>\n

4.2.1. M\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/em><\/p>\n

(1) Nh\u1eefng n\u1ed9i dung c\u1ea7n ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c k\u1ebf th\u1eeba v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung:<\/em><\/p>\n

Trong c\u1ea3 giai \u0111o\u1ea1n 2026 \u2013 2045, li\u00ean t\u1ee5c ph\u1ea3i r\u00e0 so\u00e1t v\u00e0 s\u1eeda \u0111\u1ed5i nh\u1eefng n\u1ed9i dung c\u00f2n b\u1ea5t c\u1eadp v\u00e0 \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh bi\u1ebfn \u0111\u1ed9ng c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi; Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng; Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam; Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n[18]<\/a>. \u0110\u1ed3ng th\u1eddi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 li\u00ean quan.<\/p>\n

C\u00f9ng v\u1edbi vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1ed1, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, l\u00e0 vi\u1ec7c x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf \u01b0u \u0111\u00e3i \u0111\u1eb7c th\u00f9 \u0111\u1ec3 thu h\u00fat chuy\u00ean gia gi\u1ecfi c\u1ea3 v\u1ec1 lu\u1eadt c\u0169ng nh\u01b0 c\u00f4ng ngh\u1ec7, \u0111\u1ec3 tham gia v\u00e0o b\u1ed9 m\u00e1y x\u00e2y d\u1ef1ng v\u00e0 th\u1ef1c thi ph\u00e1p lu\u1eadt, ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, k\u1ebft n\u1ed1i d\u1eef li\u1ec7u gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u1ea5t \u0111ai v\u00e0 thu\u1ebf theo th\u1eddi gian th\u1ef1c (Real-time).<\/p>\n

(2) Nh\u1eefng \u0111\u1ea1o lu\u1eadt c\u1ea7n \u0111\u01b0\u1ee3c ban h\u00e0nh m\u1edbi cho giai \u0111o\u1ea1n t\u1eeb 2026 \u2013 2030:<\/em><\/p>\n

Trong giai \u0111o\u1ea1n n\u00e0y, c\u1ea7n nghi\u00ean c\u1ee9u, xem x\u00e9t x\u00e2y d\u1ef1ng c\u00e1c lu\u1eadt m\u1edbi ho\u1eb7c b\u1ed5 sung ch\u1ebf \u0111\u1ecbnh lu\u1eadt m\u1edbi trong c\u00e1c lu\u1eadt hi\u1ec7n h\u00e0nh, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 lu\u1eadt thay th\u1ebf cho c\u00e1c ph\u00e1p l\u1ec7nh, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 hi\u1ec7n h\u00e0nh nh\u01b0: Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh; Lu\u1eadt H\u1ec7 th\u1ed1ng thanh to\u00e1n qu\u1ed1c gia; Lu\u1eadt Ngo\u1ea1i h\u1ed1i; Lu\u1eadt Thanh to\u00e1n; Lu\u1eadt Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 (c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng); Lu\u1eadt T\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n

(3) Nh\u1eefng \u0111\u1ea1o lu\u1eadt c\u1ea7n \u0111\u01b0\u1ee3c ban h\u00e0nh m\u1edbi cho giai \u0111o\u1ea1n 2031 \u2013 2045:<\/em><\/p>\n

Trong giai \u0111o\u1ea1n n\u00e0y, c\u1ea7n nghi\u00ean c\u1ee9u, xem x\u00e9t x\u00e2y d\u1ef1ng c\u00e1c lu\u1eadt ho\u1eb7c ch\u1ebf \u0111\u1ecbnh lu\u1eadt m\u1edbi, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 lu\u1eadt thay th\u1ebf cho c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 hi\u1ec7n h\u00e0nh nh\u01b0: Lu\u1eadt B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng; Lu\u1eadt C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech); Lu\u1eadt Ng\u00e2n h\u00e0ng s\u1ed1 (quy \u0111\u1ecbnh ri\u00eang cho c\u00e1c m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 chi nh\u00e1nh v\u1eadt l\u00fd); Lu\u1eadt T\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh (\u0111\u1ec3 c\u00f4ng nh\u1eadn v\u00e0 gi\u00e1m s\u00e1t c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh \u0111a ng\u00e0nh, ng\u0103n ch\u1eb7n hi\u1ec7u qu\u1ea3 s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang th\u1ecb tr\u01b0\u1eddng); Lu\u1eadt Thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng; Lu\u1eadt X\u1eed l\u00fd n\u1ee3 x\u1ea5u; Lu\u1eadt kh\u00e1c thay th\u1ebf cho m\u1ed9t s\u1ed1 ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0.<\/p>\n

4.2.2. M\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf thi h\u00e0nh ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/em><\/p>\n

(1) V\u1ec1 vi\u1ec7c truy\u1ec1n th\u00f4ng ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Trong vi\u1ec7c truy\u1ec3n th\u00f4ng ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt, c\u1ea7n thay \u0111\u1ed5i t\u01b0 duy t\u1eeb \u201cph\u1ed5 bi\u1ebfn nh\u1eefng g\u00ec c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3\u201d sang \u201ctruy\u1ec1n th\u00f4ng nh\u1eefng g\u00ec ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p c\u1ea7n\u201d. \u0110\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c chuy\u1ec3n t\u1eeb truy\u1ec1n th\u00f4ng m\u1ed9t chi\u1ec1u sang truy\u1ec1n th\u00f4ng hai chi\u1ec1u, d\u1ef1a tr\u00ean vi\u1ec7c s\u1eed d\u1ee5ng AI Chatbot \u0111\u1ec3 gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc ph\u00e1p l\u00fd c\u1ee7a ng\u01b0\u1eddi d\u00e2n 24\/7, \u0111\u1ed3ng th\u1eddi thu th\u1eadp ph\u1ea3n h\u1ed3i v\u1ec1 nh\u1eefng quy \u0111\u1ecbnh c\u00f2n m\u00e2u thu\u1eabn, g\u00e2y kh\u00f3 hi\u1ec3u.<\/p>\n

V\u1ec1 h\u00ecnh th\u1ee9c truy\u1ec1n th\u00f4ng, th\u00ec c\u1ea7n ph\u1ea3i \u0111a d\u1ea1ng h\u00f3a, trong \u0111\u00f3 \u1ee9ng d\u1ee5ng m\u1ea1nh m\u1ebd m\u1ea1ng x\u00e3 h\u1ed9i, Infographic, Podcast v\u00e0 Video ng\u1eafn \u0111\u1ec3 gi\u1ea3i th\u00edch c\u00e1c quy \u0111\u1ecbnh ph\u1ee9c t\u1ea1p. \u0110\u1ed3ng th\u1eddi, b\u00ean c\u1ea1nh vi\u1ec7c \u0111a d\u1ea1ng h\u00f3a h\u00ecnh th\u1ee9c truy\u1ec1n th\u00f4ng, th\u00ec c\u1ea7n ph\u1ea3i chuy\u00ean bi\u1ec7t h\u00f3a n\u1ed9i dung, tr\u00ean c\u01a1 s\u1edf x\u00e2y d\u1ef1ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh truy\u1ec1n th\u00f4ng chuy\u00ean bi\u1ec7t cho t\u1eebng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng (v\u00ed d\u1ee5: ph\u00e1p lu\u1eadt v\u1ec1 t\u00edn d\u1ee5ng n\u00f4ng nghi\u1ec7p cho n\u00f4ng d\u00e2n; ph\u00e1p lu\u1eadt v\u1ec1 Fintech cho gi\u1edbi tr\u1ebb).<\/p>\n

(2) V\u1ec1 vi\u1ec7c \u0111\u00e1nh gi\u00e1 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau ban h\u00e0nh:<\/em><\/p>\n

\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ec1 hi\u1ec7u n\u0103ng, hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3 c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt tr\u00ean th\u1ef1c t\u1ebf, th\u00ec c\u1ea7n ph\u1ea3i thi\u1ebft l\u1eadp ch\u1ec9 s\u1ed1 \u0111\u00e1nh gi\u00e1 (KPI) tr\u00ean c\u01a1 s\u1edf x\u00e2y d\u1ef1ng b\u1ed9 ti\u00eau ch\u00ed \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 v\u0103n b\u1ea3n (v\u00ed d\u1ee5: t\u1ec9 l\u1ec7 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tu\u00e2n th\u1ee7, chi ph\u00ed tu\u00e2n th\u1ee7 c\u1ee7a doanh nghi\u1ec7p, s\u1ed1 l\u01b0\u1ee3ng v\u01b0\u1edbng m\u1eafc v\u00e0 tranh ch\u1ea5p ph\u00e1t sinh t\u1eeb v\u0103n b\u1ea3n \u0111\u00f3).<\/p>\n

\u0110\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i l\u1eadp b\u00e1o c\u00e1o t\u00e1c \u0111\u1ed9ng \u0111\u1ecbnh k\u1ef3 sau m\u1ed7i 2 – 3 n\u0103m ban h\u00e0nh, trong \u0111\u00f3 c\u01a1 quan ch\u1ee7 tr\u00ec b\u00e1o c\u00e1o \u0111\u00e1nh gi\u00e1 v\u0103n b\u1ea3n \u0111\u00f3 c\u00f3 th\u1ef1c s\u1ef1 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i h\u1ee3p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng hay g\u00e2y ra tr\u1edf ng\u1ea1i, kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc.<\/p>\n

(3) V\u1ec1 vi\u1ec7c ki\u1ec3m tra, r\u00e0 so\u00e1t, h\u1ee3p nh\u1ea5t h\u1ec7 th\u1ed1ng h\u00f3a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Ngo\u00e0i vi\u1ec7c ki\u1ec3m tra, r\u00e0 so\u00e1t, h\u1ee3p nh\u1ea5t h\u1ec7 th\u1ed1ng h\u00f3a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 v\u1eabn l\u00e0m l\u00e2u nay, th\u00ec c\u1ea7n thi\u1ebft ph\u1ea3i s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u1ec3 ph\u00e1t hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh m\u00e2u thu\u1eabn gi\u1eefa v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c.<\/p>\n

\u0110\u1ed3ng th\u1eddi b\u1ea3o \u0111\u1ea3m vi\u1ec7c h\u1ee3p nh\u1ea5t v\u0103n b\u1ea3n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t, nh\u1ea5t l\u00e0 v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ngay ho\u1eb7c hi\u1ec7u l\u1ef1c s\u1edbm v\u00e0 tr\u01b0\u1edbc khi c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng thu\u1eadn l\u1ee3i trong vi\u1ec7c t\u00ecm hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng[19]<\/a>.<\/p>\n

(4) V\u1ec1 vi\u1ec7c \u0111\u1ed1i tho\u1ea1i, ti\u1ebfp nh\u1eadn, l\u1eafng nghe ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb v\u00e0 gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd v\u1ec1 ph\u00e1p l\u00fd c\u1ee7a c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p, \u0111\u1ecba ph\u01b0\u01a1ng:<\/em><\/p>\n

T\u1ed5 ch\u1ee9c \u0111\u1ecbnh k\u1ef3 v\u00e0 th\u01b0\u1eddng xuy\u00ean c\u00e1c h\u1ed9i ngh\u1ecb \u0111\u1ed1i tho\u1ea1i tr\u1ef1c ti\u1ebfp v\u00e0 tr\u1ef1c tuy\u1ebfn gi\u1eefa Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, hi\u1ec7p h\u1ed9i ng\u00e0nh ngh\u1ec1, doanh nghi\u1ec7p, \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 ph\u1ea3n \u1ee9ng ch\u00ednh s\u00e1ch nhanh, th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n v\u1ec1 ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

X\u00e2y d\u1ef1ng m\u1ed9t Hotline ph\u00e1p l\u00fd chung c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng chuy\u00ean gi\u1ea3i quy\u1ebft c\u00e1c v\u01b0\u1edbng m\u1eafc v\u1ec1 th\u1ee7 t\u1ee5c ng\u00e2n h\u00e0ng, cam k\u1ebft th\u1eddi gian tr\u1ea3 l\u1eddi c\u1ee5 th\u1ec3 (v\u00ed d\u1ee5: trong v\u00f2ng 05 ng\u00e0y l\u00e0m vi\u1ec7c).<\/p>\n

(5) V\u1ec1 vi\u1ec7c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Th\u1ef1c hi\u1ec7n gi\u00e1m s\u00e1t t\u1eeb xa thay cho thanh tra t\u1ea1i ch\u1ed7, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u1ef7 l\u1ec7, gi\u1edbi h\u1ea1n an to\u00e0n, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u l\u1edbn, k\u1ebft n\u1ed1i d\u1eef li\u1ec7u tr\u1ef1c ti\u1ebfp t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, k\u1ec3 c\u1ea3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng.<\/p>\n

\u00c1p d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n, x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m, c\u00e1c giao d\u1ecbch \u0111\u00e1ng ng\u1edd, r\u1eeda ti\u1ec1n ho\u1eb7c thao t\u00fang th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. \u0110\u1ed3ng th\u1eddi, x\u1eed l\u00fd nghi\u00eam v\u00e0 c\u00f4ng khai c\u00e1c quy\u1ebft \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh (tr\u1eeb c\u00e1c n\u1ed9i dung b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc) \u0111\u1ec3 t\u1ea1o s\u1ef1 r\u0103n \u0111e v\u00e0 minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

4.2.3. M\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p t\u0103ng c\u01b0\u1eddng \u0111i\u1ec1u ki\u1ec7n b\u1ea3o \u0111\u1ea3m c\u01a1 ch\u1ebf v\u1eadn h\u00e0nh c\u1ee7a h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/em><\/p>\n

(1) V\u1ec1 c<\/em>\u01a1 ch\u1ebf<\/em> l\u00e3nh \u0111\u1ea1o<\/em>, ch\u1ec9 \u0111\u1ea1o c\u1ee7a c\u00e1c c\u1ea5p \u1ee7y \u0110\u1ea3ng \u0111\u1ed1i v\u1edbi c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt:<\/em><\/p>\n

C\u00e1c c\u1ea5p \u1ee7y \u0110\u1ea3ng Ch\u00ednh ph\u1ee7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n ban h\u00e0nh c\u00e1c Ngh\u1ecb quy\u1ebft chuy\u00ean \u0111\u1ec1 v\u1ec1 ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 t\u00edn d\u1ee5ng xanh, b\u1ea3o \u0111\u1ea3m c\u00e1c ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a \u0110\u1ea3ng \u0111\u01b0\u1ee3c th\u1ec3 ch\u1ebf h\u00f3a trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee5 th\u1ec3.<\/p>\n

\u0110\u1eb7c bi\u1ec7t c\u00e1c c\u1ea5p \u1ee7y \u0110\u1ea3ng trong ng\u00e0nh Ng\u00e2n h\u00e0ng, k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u1ea7n ph\u1ea3i t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, gi\u00e1m s\u00e1t \u0111\u1ec3 ki\u1ec3m so\u00e1t quy\u1ec1n l\u1ef1c, ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng l\u1ee3i \u00edch nh\u00f3m v\u00e0 thao t\u00fang ch\u00ednh s\u00e1ch ngay t\u1eeb kh\u00e2u d\u1ef1 th\u1ea3o cho \u0111\u1ebfn kh\u00e2u ban h\u00e0nh v\u00e0 thi h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

(2) V\u1ec1 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t c\u1ee7a Qu\u1ed1c h\u1ed9i v\u00e0 H\u1ed9i \u0111\u1ed3ng nh\u00e2n d\u00e2n c\u00e1c c\u1ea5p, c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t c\u1ee7a M\u1eb7t tr\u1eadn T\u1ed5 qu\u1ed1c Vi\u1ec7t Nam v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i, c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t c\u1ee7a Nh\u00e2n d\u00e2n \u0111\u1ed1i v\u1edbi c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt: <\/em><\/p>\n

Qu\u1ed1c h\u1ed9i c\u1ea7n t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t t\u1ed1i cao, trong \u0111\u00f3 c\u00f3 gi\u00e1m s\u00e1t chuy\u00ean \u0111\u1ec1 th\u1ef1c thi \u0111\u1ed1i v\u1edbi Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 an to\u00e0n h\u1ec7 th\u1ed1ng. H\u1ed9i \u0111\u1ed3ng nh\u00e2n d\u00e2n c\u00e1c c\u1ea5p v\u00e0 M\u1eb7t tr\u1eadn T\u1ed5 qu\u1ed1c gi\u00e1m s\u00e1t theo ph\u1ea1m vi ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5, \u0111\u1ecba b\u00e0n li\u00ean quan.<\/p>\n

C\u00e1c Hi\u1ec7p h\u1ed9i ng\u00e0nh ngh\u1ec1, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng ph\u00e1t huy vai tr\u00f2 trong vi\u1ec7c ph\u1ea3n bi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 doanh nghi\u1ec7p vay v\u1ed1n, s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng.<\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00e1c quy \u0111\u1ecbnh, m\u00e0 m\u1edf r\u1ed9ng \u0111\u1ebfn c\u00e1c quy tr\u00ecnh nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c c\u00f4ng khai h\u00f3a c\u00e1c tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1, c\u1ed5ng th\u00f4ng tin \u0111i\u1ec7n t\u1eed, \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng gi\u00e1m s\u00e1t v\u00e0 ph\u1ea3n \u00e1nh c\u00e1c h\u00e0nh vi s\u00e1ch nhi\u1ec5u ho\u1eb7c vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

(3) V\u1ec1 h\u1ec7 th\u1ed1ng th\u00f4ng tin ph\u00e1p lu\u1eadt:<\/em><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1, thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng th\u00f4ng tin ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng t\u1eadp trung, li\u00ean th\u00f4ng v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 v\u00e0 doanh nghi\u1ec7p.<\/p>\n

S\u1eed d\u1ee5ng AI \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng r\u00e0 so\u00e1t, \u0111\u1ed1i chi\u1ebfu s\u1ef1 tr\u00f9ng l\u1eb7p gi\u1eefa v\u0103n b\u1ea3n ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh kh\u00e1c.<\/p>\n

Tri\u1ec3n khai c\u00f4ng ngh\u1ec7 qu\u1ea3n tr\u1ecb \u0111\u1ec3 theo d\u00f5i vi\u1ec7c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo th\u1eddi gian th\u1ef1c.<\/p>\n

(4) V\u1ec1 ngu\u1ed3n nh\u00e2n l\u1ef1c ph\u00e1p lu\u1eadt, t\u00e0i ch\u00ednh, c\u01a1 s\u1edf v\u1eadt ch\u1ea5t, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin, chuy\u1ec3n \u0111\u1ed5i s\u1ed1, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o cho c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt, h\u1ee3p t\u00e1c qu\u1ed1c t\u1ebf v\u1ec1 ph\u00e1p lu\u1eadt: <\/em><\/p>\n

C\u1ea7n thi\u1ebft x\u00e2y d\u1ef1ng ngu\u1ed3n nh\u00e2n l\u1ef1c, t\u00e0i ch\u00ednh v\u00e0 c\u01a1 s\u1edf v\u1eadt ch\u1ea5t, \u0111\u00e0o t\u1ea1o \u0111\u1ed9i ng\u0169 chuy\u00ean gia ph\u00e1p l\u00fd c\u00f3 ki\u1ebfn th\u1ee9c v\u1ec1 Fintech v\u00e0 b\u1ea3o m\u1eadt m\u1ea1ng. \u0110\u00e2y l\u00e0 l\u1ef1c l\u01b0\u1ee3ng n\u00f2ng c\u1ed1t \u0111\u1ec3 x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd cho t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 ng\u00e2n h\u00e0ng \u1ea3o.<\/p>\n

C\u1ea7n ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh c\u01a1 ch\u1ebf t\u00e0i ch\u00ednh linh ho\u1ea1t, \u01b0u ti\u00ean ng\u00e2n s\u00e1ch cho c\u00f4ng t\u00e1c thu\u00ea t\u01b0 v\u1ea5n \u0111\u1ed9c l\u1eadp v\u00e0 chuy\u00ean gia qu\u1ed1c t\u1ebf \u0111\u1ec3 ph\u1ea3n bi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ph\u1ee9c t\u1ea1p, b\u1ea3o \u0111\u1ea3m t\u00ednh kh\u00e1ch quan v\u00e0 ti\u1ec7m c\u1eadn chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf.<\/p>\n

(5) M\u1edf r\u1ed9ng h\u1ee3p t\u00e1c qu\u1ed1c t\u1ebf v\u1ec1 ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/em><\/p>\n

Trong b\u1ed1i c\u1ea3nh h\u1ed9i nh\u1eadp s\u00e2u r\u1ed9ng, ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u1ee9ng t\u00e1ch bi\u1ec7t, n\u00ean c\u1ea7n nhanh ch\u00f3ng n\u1ed9i lu\u1eadt h\u00f3a c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf, nh\u1ea5t l\u00e0 c\u00e1c nguy\u00ean t\u1eafc c\u1ee7a \u1ee6y ban Basel, c\u00e1c quy \u0111\u1ecbnh c\u1ee7a L\u1ef1c l\u01b0\u1ee3ng \u0111\u1eb7c nhi\u1ec7m t\u00e0i ch\u00ednh (FATF) v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/p>\n

\u0110\u1ed3ng th\u1eddi, h\u1ee3p t\u00e1c ph\u00e1p l\u00fd xuy\u00ean bi\u00ean gi\u1edbi, x\u00e2y d\u1ef1ng c\u00e1c hi\u1ec7p \u0111\u1ecbnh t\u01b0\u01a1ng tr\u1ee3 ph\u00e1p l\u00fd trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf v\u00e0 t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao xuy\u00ean qu\u1ed1c gia. H\u1ee3p t\u00e1c v\u1edbi c\u00e1c trung t\u00e2m t\u00e0i ch\u00ednh l\u1edbn (Singapore, London) \u0111\u1ec3 h\u1ecdc h\u1ecfi m\u00f4 h\u00ecnh, ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m cho c\u00e1c c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh m\u1edbi (Sandbox).<\/p>\n

5. \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb v\u01a1\u0301i m\u00f4\u0323t s\u00f4\u0301 c\u01a1 quan co\u0301 th\u00e2\u0309m quy\u00ea\u0300n:<\/strong><\/h5>\n
5.1. M\u1ed9t s\u1ed1<\/em><\/strong> \u0111<\/strong><\/em>\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb v\u1edbi Ban Ch\u1ea5p h\u00e0nh Trung \u01b0\u01a1ng \u0110\u1ea3ng, B\u1ed9 Ch\u00ednh tr\u1ecb, Ban B\u00ed th\u01b0, Ban Ch\u1ec9 \u0111\u1ea1o Trung \u01b0\u01a1ng v\u1ec1 ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf, ph\u00e1p lu\u1eadt:<\/em><\/strong><\/h5>\n

5.1.1. Ch\u1ec9 \u0111\u1ea1o x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng m\u1edf, t\u1ea1o h\u00e0nh lang cho \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o, chuy\u1ec3n \u0111\u1ed5i m\u1ea1nh m\u1ebd v\u00e0 tri\u1ec7t \u0111\u1ec3 t\u1eeb t\u01b0 duy \u201cqu\u1ea3n l\u00fd\u201d sang \u201cki\u1ebfn t\u1ea1o\u201d, \u0111\u1ec3 ph\u00e1p lu\u1eadt kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 ki\u1ec3m so\u00e1t m\u00e0 ph\u1ea3i l\u00e0 \u0111\u1ed9ng l\u1ef1c thu h\u00fat ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u.<\/p>\n

5.1.2. Trong giai \u0111o\u1ea1n 2026 \u2013 2030, ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n theo \u0111\u00fang tinh th\u1ea7n Ngh\u1ecb quy\u1ebft s\u1ed1 66-NQ\/TW ng\u00e0y 30\/4\/2025 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb v\u1ec1 \u201c\u0110\u1ed5i m\u1edbi c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 thi h\u00e0nh ph\u00e1p lu\u1eadt \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc trong K\u1ef7 nguy\u00ean m\u1edbi\u201d: \u201cB\u00ean c\u1ea1nh m\u1ed9t s\u1ed1 b\u1ed9 lu\u1eadt, lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n con ng\u01b0\u1eddi, quy\u1ec1n c\u00f4ng d\u00e2n, t\u1ed1 t\u1ee5ng t\u01b0 ph\u00e1p c\u1ea7n c\u1ee5 th\u1ec3, v\u1ec1 c\u01a1 b\u1ea3n c\u00e1c lu\u1eadt kh\u00e1c, nh\u1ea5t l\u00e0 lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh c\u00e1c n\u1ed9i dung v\u1ec1 ki\u1ebfn t\u1ea1o ph\u00e1t tri\u1ec3n ch\u1ec9 quy \u0111\u1ecbnh nh\u1eefng v\u1ea5n \u0111\u1ec1 khung, nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u00f3 t\u00ednh nguy\u00ean t\u1eafc thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a Qu\u1ed1c h\u1ed9i, c\u00f2n nh\u1eefng v\u1ea5n \u0111\u1ec1 th\u1ef1c ti\u1ec5n th\u01b0\u1eddng xuy\u00ean bi\u1ebfn \u0111\u1ed9ng th\u00ec giao Ch\u00ednh ph\u1ee7, B\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng quy \u0111\u1ecbnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m linh ho\u1ea1t, ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n<\/em>\u201d. Tuy nhi\u00ean \u0111\u1ebfn giai \u0111o\u1ea1n 2031 \u2013 2045, c\u1ea7n xem x\u00e9t d\u1ea7n tr\u1edf l\u1ea1i \u0111\u1ecbnh h\u01b0\u1edbng x\u00e2y d\u1ef1ng lu\u1eadt c\u1ee5 th\u1ec3, chi ti\u1ebft h\u01a1n, t\u0103ng vai tr\u00f2 c\u1ee7a c\u01a1 quan l\u1eadp ph\u00e1p, gi\u1ea3m d\u1ea7n th\u1ea9m quy\u1ec1n v\u00e0 s\u1ed1 l\u01b0\u1ee3ng v\u0103n b\u1ea3n c\u1ee7a c\u01a1 quan h\u00e0nh ph\u00e1p.<\/p>\n

5.1.3. Ch\u1ec9 \u0111\u1ea1o x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh c\u00e1c \u0111\u1ea1o lu\u1eadt \u0111\u1ec3 ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt trong giai \u0111o\u1ea1n 2026 \u2013 2045.<\/p>\n

5.1.4. Ch\u1ec9 \u0111\u1ea1o x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf ph\u1ed1i h\u1ee3p li\u00ean ng\u00e0nh (Ng\u00e2n h\u00e0ng – Ch\u1ee9ng kho\u00e1n – B\u1ea3o hi\u1ec3m) d\u01b0\u1edbi s\u1ef1 ch\u1ec9 \u0111\u1ea1o tr\u1ef1c ti\u1ebfp c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u1ec3 gi\u00e1m s\u00e1t c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh \u0111a ng\u00e0nh, ng\u0103n ch\u1eb7n tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang tr\u1ee5c l\u1ee3i ch\u00ednh s\u00e1ch. Ch\u1ee9c n\u0103ng n\u00e0y \u0111\u00e3 t\u1eebng do \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia \u0111\u1ea3m nh\u1eadn, nh\u01b0ng \u1ee6y ban n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u1ec3 t\u1eeb ng\u00e0y 16\/6\/2025[20]<\/a>.<\/p>\n

5.1.5. Ch\u1ec9 \u0111\u1ea1o ho\u00e0n th\u00e0nh \u0111\u00fang ti\u1ebfn \u0111\u1ed9 d\u1ef1 \u00e1n \u0111ang ti\u1ebfn h\u00e0nh v\u1ec1 \u201cKhung ki\u1ebfn tr\u00fac d\u1eef li\u1ec7u qu\u1ed1c gia, Khung qu\u1ea3n tr\u1ecb, qu\u1ea3n l\u00fd d\u1eef li\u1ec7u qu\u1ed1c gia v\u00e0 T\u1eeb \u0111i\u1ec3n d\u1eef li\u1ec7u d\u00f9ng chung qu\u1ed1c gia\u201d[21]<\/a>, trong \u0111\u00f3 k\u1ebft n\u1ed1i \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u Ng\u00e2n h\u00e0ng v\u1edbi c\u01a1 quan \u0111\u0103ng k\u00fd bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, T\u00f2a \u00e1n v\u00e0 Thi h\u00e0nh \u00e1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m \u201c\u0111i\u1ec3m ngh\u1ebdn\u201d x\u1eed l\u00fd n\u1ee3 v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

5.1.6. Ch\u1ec9 \u0111\u1ea1o x\u00e2y d\u1ef1ng \u0111\u1ec1 \u00e1n \u0111\u00e0o t\u1ea1o nh\u00e2n t\u00e0i ph\u00e1p lu\u1eadt li\u00ean ng\u00e0nh (Lu\u1eadt – C\u00f4ng ngh\u1ec7 – T\u00e0i ch\u00ednh), \u0111\u1ec3 x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 chuy\u00ean gia ph\u00e1p lu\u1eadt c\u1ea5p chi\u1ebfn l\u01b0\u1ee3c, l\u00e0 \u0111\u1ed9i ng\u0169 n\u00f2ng c\u1ed1t tham gia v\u00e0o c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch qu\u1ed1c gia.<\/p>\n

5.2. M\u1ed9t s\u1ed1<\/em><\/strong> \u0111<\/em>\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb v\u1edbi Qu\u1ed1c h\u1ed9i:<\/em><\/strong><\/h5>\n

5.2.1. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u00e0 ban h\u00e0nh c\u00e1c Lu\u1eadt ho\u1eb7c ch\u1ebf \u0111\u1ecbnh lu\u1eadt sau \u0111\u00e2y: <\/em><\/p>\n

(1) Lu\u1eadt B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng (ho\u1eb7c trong Lu\u1eadt T\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng);<\/p>\n

(2) Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh (ho\u1eb7c quy \u0111\u1ecbnh trong Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, bao g\u1ed3m c\u1ea3 m\u1eadt th\u00f4ng tin t\u00e0i ch\u00ednh v\u00e0 n\u1ed9i dung v\u1ec1 ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i);<\/p>\n

(3) Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Lu\u1eadt hi\u1ec7n h\u00e0nh n\u0103m 2005);<\/p>\n

(4) Lu\u1eadt C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech), g\u1ed3m c\u1ea3 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh (Sandbox) (thay cho Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP[22]<\/sup><\/a>), \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd an to\u00e0n cho c\u00e1c m\u00f4 h\u00ecnh Fintech, thanh to\u00e1n m\u1edbi;<\/p>\n

(5) Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (s\u1eeda \u0111\u1ed5i, b\u1ed5 dung Lu\u1eadt hi\u1ec7n h\u00e0nh n\u0103m 2010), theo h\u01b0\u1edbng n\u00e2ng cao th\u1ef1c ch\u1ea5t t\u00ednh \u0111\u1ed9c l\u1eadp, t\u1ef1 ch\u1ee7 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 \u0111\u1ec3 \u1ee9ng ph\u00f3 nhanh v\u1edbi bi\u1ebfn \u0111\u1ed9ng to\u00e0n c\u1ea7u;<\/p>\n

(6) Lu\u1eadt Ng\u00e2n h\u00e0ng s\u1ed1 (Digital Banking), \u0111\u1ec3 \u00e1p d\u1ee5ng cho ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng tr\u00ean m\u00f4i tr\u01b0\u1eddng s\u1ed1, \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed (eKYC), ch\u1eef k\u00fd s\u1ed1 ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng xuy\u00ean bi\u00ean gi\u1edbi;<\/p>\n

(7) Lu\u1eadt Ngo\u1ea1i h\u1ed1i (thay th\u1ebf Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005), theo h\u01b0\u1edbng n\u1edbi l\u1ecfng c\u00f3 ki\u1ec3m so\u00e1t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea7u t\u01b0 ra n\u01b0\u1edbc ngo\u00e0i c\u1ee7a c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh Vi\u1ec7t Nam \u0111\u1ec3 m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng, t\u1eebng b\u01b0\u1edbc ti\u1ebfn t\u1edbi t\u1ef1 do h\u00f3a ngo\u1ea1i h\u1ed1i;<\/p>\n

(8) Lu\u1eadt Thanh to\u00e1n (thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 222\/2013\/N\u0110-CP v\u1ec1 \u201cThanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t\u2019 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 52\/2024\/N\u0110-CP v\u1ec1 \u201cThanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d), bao g\u1ed3m c\u1ea3 H\u1ec7 th\u1ed1ng thanh to\u00e1n qu\u1ed1c gia (ri\u00eang n\u1ed9i dung n\u00e0y \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong c\u00f3 trong k\u1ebf ho\u1ea1ch x\u00e2y d\u1ef1ng ph\u00e1p lu\u1eadt c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1eeb n\u0103m 2021)[23]<\/sup><\/a>;<\/p>\n

(9) Lu\u1eadt T\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh, \u0111\u1ec3 c\u00f4ng nh\u1eadn v\u00e0 gi\u00e1m s\u00e1t c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh \u0111a ng\u00e0nh, ng\u0103n ch\u1eb7n hi\u1ec7u qu\u1ea3 s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang th\u1ecb tr\u01b0\u1eddng;<\/p>\n

(10) Lu\u1eadt Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, \u0111\u1ec3 ph\u00e1t h\u00e0nh v\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng (b\u00ean c\u1ea1nh Lu\u1eadt T\u00e0i s\u1ea3n s\u1ed1 \u0111\u1ec3 \u0111\u1ecbnh danh ph\u00e1p l\u00fd cho t\u00e0i s\u1ea3n s\u1ed1, x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ec3 qu\u1ea3n l\u00fd thu\u1ebf, ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a ng\u01b0\u1eddi d\u00e2n tr\u00ean kh\u00f4ng gian m\u1ea1ng; hi\u1ec7n nay m\u1edbi ch\u1ec9 c\u00f3 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 05\/2025\/NQ-CP ng\u00e0y 09\/9\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c \u201cTri\u1ec3n khai th\u00ed \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a t\u1ea1i Vi\u1ec7t Nam\u201d);<\/p>\n

(11) Lu\u1eadt T\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng (thay th\u1ebf c\u00e1c quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 v\u00e0 c\u00e1c Th\u00f4ng t\u01b0 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc); trong \u0111\u00f3 c\u00f3 ti\u00eau chu\u1ea9n t\u00edn d\u1ee5ng xanh v\u00e0 tr\u00e1ch nhi\u1ec7m b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng – x\u00e3 h\u1ed9i c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1eb1m \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 Vi\u1ec7t Nam h\u1ed9i nh\u1eadp s\u00e2u v\u00e0o th\u1ecb tr\u01b0\u1eddng v\u1ed1n qu\u1ed1c t\u1ebf;<\/p>\n

(12) Lu\u1eadt Thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng;<\/p>\n

(13) Lu\u1eadt X\u1eed l\u00fd n\u1ee3 x\u1ea5u (thay th\u1ebf c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 v\u00e0 m\u1edf r\u1ed9ng ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh, g\u1ed3m c\u1ea3 quy \u0111\u1ecbnh v\u1ec1 C\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n v\u00e0 X\u1eed l\u00fd n\u1ee3).<\/p>\n

(14) Ngo\u00e0i ra, s\u1eeda \u0111\u1ed5i, b\u1ed5 dung c\u00e1c Lu\u1eadt hi\u1ec7n h\u00e0nh nh\u01b0 Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi n\u0103m 2025, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024, Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2022 v\u00e0 c\u00e1c Lu\u1eadt li\u00ean quan kh\u00e1c \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u trong t\u1eebng th\u1eddi k\u1ef3.<\/p>\n

5.2.2. \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i t\u0103ng c\u01b0\u1eddng vai tr\u00f2 gi\u1ea3i th\u00edch lu\u1eadt n\u00f3i chung v\u00e0 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng n\u00f3i tr\u00ean \u0111\u1ec3 gi\u1ea3i \u0111\u00e1p k\u1ecbp th\u1eddi nh\u1eefng v\u01b0\u1edbng m\u1eafc, b\u1ea3o \u0111\u1ea3m s\u1ef1 th\u1ed1ng nh\u1ea5t trong vi\u1ec7c hi\u1ec3u, th\u1ef1c hi\u1ec7n lu\u1eadt v\u00e0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.<\/p>\n

5.3. M\u1ed9t s\u1ed1 \u0111\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb v\u1edbi Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7:<\/em><\/strong><\/h5>\n

5.3.1. Thi\u1ebft l\u1eadp t\u1ed5 c\u00f4ng t\u00e1c \u0111\u1eb7c tr\u00e1ch g\u1ed3m c\u00e1c chuy\u00ean gia li\u00ean ng\u00e0nh (Ng\u00e2n h\u00e0ng – T\u01b0 ph\u00e1p – C\u00f4ng ngh\u1ec7) \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd ph\u00e1t sinh t\u1eeb th\u1ef1c ti\u1ec5n chuy\u1ec3n \u0111\u1ed5i s\u1ed1. M\u1ee5c ti\u00eau l\u00e0 r\u00fat ng\u1eafn th\u1eddi gian ban h\u00e0nh v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn t\u1eeb khi Lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

5.3.2. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 vi\u1ec7c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m tr\u1ef1c tuy\u1ebfn v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7, v\u00e0 d\u1eef li\u1ec7u s\u1ed1.<\/p>\n

5.3.3. Ch\u1ec9 \u0111\u1ea1o vi\u1ec7c k\u1ebft n\u1ed1i theo th\u1eddi gian th\u1ef1c gi\u1eefa H\u1ec7 th\u1ed1ng th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia (CIC) v\u1edbi C\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u1ea5t \u0111ai v\u00e0 \u0111\u0103ng k\u00fd kinh doanh, \u0111\u1ec3 minh b\u1ea1ch h\u00f3a t\u00e0i ch\u00ednh v\u00e0 gi\u1ea3m thi\u1ec3u t\u00edn d\u1ee5ng \u0111en.<\/p>\n

5.3.4. C\u1ea5p ng\u00e2n s\u00e1ch tr\u1ecdng \u0111i\u1ec3m \u0111\u1ec3 hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng, chuy\u1ec3n sang gi\u00e1m s\u00e1t d\u1ef1a tr\u00ean d\u1eef li\u1ec7u lu\u00e2n chuy\u1ec3n th\u1ef1c t\u1ebf \u0111\u1ec3 ph\u00e1t hi\u1ec7n s\u1edbm c\u00e1c r\u1ee7i ro h\u1ec7 th\u1ed1ng.<\/p>\n

5.4. M\u1ed9t s\u1ed1 \u0111\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/em><\/strong><\/h5>\n

5.4.1. X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u th\u1ef1c t\u1ebf (Big Data) \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u00ednh s\u00e1ch tr\u01b0\u1edbc khi ban h\u00e0nh.<\/p>\n

5.4.2. X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t t\u1ef1 \u0111\u1ed9ng k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng c\u1ea3nh b\u00e1o c\u00e1c vi ph\u1ea1m v\u1ec1 t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n, s\u1edf h\u1eefu ch\u00e9o ho\u1eb7c c\u00e1c giao d\u1ecbch \u0111\u00e1ng ng\u1edd theo th\u1eddi gian th\u1ef1c.<\/p>\n

5.4.3. X\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf tuy\u1ec3n d\u1ee5ng, \u0111\u00e0o t\u1ea1o v\u00e0 \u0111\u00e3i ng\u1ed9 \u0111\u1eb7c th\u00f9 (v\u01b0\u1ee3t khung th\u00f4ng th\u01b0\u1eddng) \u0111\u1ed1i v\u1edbi \u0111\u1ed9i ng\u0169 chuy\u00ean gia ph\u00e1p ch\u1ebf tr\u00ecnh \u0111\u1ed9 qu\u1ed1c t\u1ebf, am hi\u1ec3u s\u00e2u v\u1ec1 AI v\u00e0 Blockchain.<\/p>\n

5.4.4. X\u00e2y d\u1ef1ng C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng ph\u00e1p l\u00fd ng\u00e0nh Ng\u00e2n h\u00e0ng t\u00edch h\u1ee3p AI \u0111\u1ec3 h\u1ed7 vi\u1ec7c gi\u1ea3i \u0111\u00e1p, tra c\u1ee9u, th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, \u0111\u1ed3ng th\u1eddi ti\u1ebfp nh\u1eadn ph\u1ea3n \u00e1nh v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd.<\/p>\n

5.5. M\u1ed9t s\u1ed1<\/em><\/strong> \u0111\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb kh\u00e1c:<\/em><\/strong><\/p>\n

5.5.1. Ngo\u00e0i c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, c\u1ea7n n\u00e2ng c\u1ea5p B\u1ed9 chu\u1ea9n m\u1ef1c \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p v\u00e0 quy t\u1eafc \u1ee9ng x\u1eed c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 11\/Q\u0110-HHNH ng\u00e0y 25\/02\/2019.<\/p>\n

5.5.2. Giai \u0111o\u1ea1n 2035 \u2013 2045 c\u1ea7n nghi\u00ean c\u1ee9u x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt Ng\u00e2n h\u00e0ng \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd, t\u0103ng t\u00ednh \u0111\u1ed3ng b\u1ed9, th\u1ed1ng nh\u1ea5t; gi\u1ea3m s\u1ef1 ch\u1ed3ng ch\u00e9o, d\u1ec5 d\u00e0ng tra c\u1ee9u, \u00e1p d\u1ee5ng.<\/p>\n

——————–<\/p>\n

H\u00e0 N\u1ed9i ng\u00e0y 28-6-2026<\/em><\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/em><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/a>,<\/em> Gi\u00e1m \u0111\u1ed1c <\/em>C\u00f4ng ty Lu\u1eadt<\/em><\/a> ANVI<\/em><\/a>, <\/em>Tr\u1ecdng t\u00e0i vi\u00ean <\/em>Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC<\/em><\/a>)<\/em><\/p>\n

[1]<\/a> \u00a0\u00a0 C\u00e1c Ngh\u1ecb quy\u1ebft kh\u00f4ng \u0111\u1ec1 c\u1eadp c\u1ee5 th\u1ec3 \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng, m\u00e0 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t c\u00e1ch kh\u00e1i qu\u00e1t v\u00e0 gi\u00e1n ti\u1ebfp th\u00f4ng qua ch\u1ee7 tr\u01b0\u01a1ng \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf, kinh t\u1ebf s\u1ed1 hay chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia.<\/p>\n

[2]<\/a> \u00a0\u00a0 Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi n\u0103m 2025; Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005; Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2024, 2025); Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam n\u0103m 2010; Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2022. Ngo\u00e0i ra, c\u00f2n Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n n\u0103m 2022 c\u00f3 li\u00ean quan nhi\u1ec1u \u0111\u1ebfn ng\u00e2n h\u00e0ng.<\/p>\n

[3]<\/a> \u00a0\u00a0 Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013).<\/p>\n

[4]<\/a> \u00a0\u00a0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 4107\/Q\u0110-NHNN ng\u00e0y 31\/12\/2025 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ban h\u00e0nh \u201cCh\u01b0\u01a1ng tr\u00ecnh x\u00e2y d\u1ef1ng th\u00f4ng t\u01b0 n\u0103m 2026 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam\u201d.<\/p>\n

[5]<\/a> \u00a0\u00a0 \u0110i\u1ec1u 24 v\u1ec1 \u201cTh\u00f4ng t\u01b0 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang b\u1ed9\u201d, Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2015 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2020); \u0110i\u1ec1u 18 v\u1ec1 \u201cTh\u00f4ng t\u01b0 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang B\u1ed9\u201d, Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2025 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2025).<\/p>\n

[6]<\/a> \u00a0\u00a0 <\/a><\/a>\u0110i\u1ec1u 126 v\u1ec1 \u201cNh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p 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); \u0110i\u1ec1u 15 v\u1ec1 \u201cH\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m\u201d, \u0110i\u1ec1u 134 v\u1ec1 \u201cNh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2024 v\u00e0 2025).<\/p>\n

[7]<\/a> \u00a0\u00a0 \u0110i\u1ec1u 8 v\u1ec1 \u201cNh\u1eefng nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay<\/a>\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 \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 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo c\u00e1c Th\u00f4ng t\u01b0 s\u1ed1 06\/2023\/TT-NHNN ng\u00e0y 28\/6\/2023; s\u1ed1 10\/2023\/TT-NHNN ng\u00e0y 23\/8\/2023; s\u1ed1 12\/2024\/TT-NHNN ng\u00e0y 28\/6\/2024 v\u00e0 s\u1ed1 52\/2025\/TT-NHNN ng\u00e0y 25\/12\/2025.<\/p>\n

[8]<\/a> \u00a0\u00a0 Basel hay Hi\u1ec7p \u01b0\u1edbc Basel l\u00e0 h\u1ec7 th\u1ed1ng c\u00e1c nguy\u00ean t\u1eafc, chu\u1ea9n m\u1ef1c v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u1ec1 gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng, do \u1ee6y ban Basel v\u1ec1 Gi\u00e1m s\u00e1t Ng\u00e2n h\u00e0ng ban h\u00e0nh v\u1edbi c\u00e1c phi\u00ean b\u1ea3n I, II, III.<\/p>\n

[9]<\/a>\u00a0 \u00a0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN ng\u00e0y 18\/12\/2023 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cTri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p an to\u00e0n, b\u1ea3o m\u1eadt trong thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n th\u1ebb ng\u00e2n h\u00e0ng\u201d.<\/p>\n

[10]<\/a> Th\u00f4ng t\u01b0 s\u1ed1 28\/2012\/TT-NHNN ng\u00e0y 03\/10\/2012; Th\u00f4ng t\u01b0 s\u1ed1 07\/2015\/TT-NHNN ng\u00e0y 25\/6\/2015; Th\u00f4ng t\u01b0 s\u1ed1 13\/2017\/TT-NHNN ng\u00e0y 29\/9\/2017; Th\u00f4ng t\u01b0 s\u1ed1 11\/2022\/TT-NHNN ng\u00e0y 30\/9\/2022; Th\u00f4ng t\u01b0 s\u1ed1 49\/2024\/TT-NHNN ng\u00e0y 25\/10\/2024; Th\u00f4ng t\u01b0 s\u1ed1 61\/2024\/TT-NHNN ng\u00e0y 31\/12\/2024.<\/p>\n

[11]<\/a> \u00a0 \u0110i\u1ec1u 7 v\u1ec1 \u201cC\u01a1 quan thanh tra\u201d, Lu\u1eadt Thanh tra n\u0103m 2025.<\/p>\n

[12]<\/a> \u0110i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 18 v\u1ec1 \u201cTh\u1ee7 t\u1ee5c chi tr\u1ea3 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Th\u00f4ng t\u01b0 s\u1ed1 48\/2018\/TT-NHNN ng\u00e0y 31\/12\/2018 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m\u201d; \u0111i\u1ec3m b, kho\u1ea3n 2, \u0110i\u1ec1u 15 v\u1ec1 \u201cQuy \u0111\u1ecbnh n\u1ed9i b\u1ed9\u201d, Th\u00f4ng t\u01b0 s\u1ed1 49\/2018\/TT-NHNN ng\u00e0y 31\/12\/2018 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n\u201d.<\/p>\n

[13]<\/a> Th\u00f4ng t\u01b0 s\u1ed1 02\/2016\/TT-NHNN ng\u00e0y 26\/02\/2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cD\u1ecbch v\u1ee5 b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, cho thu\u00ea t\u1ee7, k\u00e9t an to\u00e0n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d; kho\u1ea3n 1, \u0110i\u1ec1u 12 v\u1ec1 \u201cChuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi v\u00e0 x\u1eed l\u00fd c\u00e1c tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro kh\u00e1c\u201d, Th\u00f4ng t\u01b0 s\u1ed1 02\/2025\/TT-NHNN ng\u00e0y 29\/4\/2025 \u201cQuy \u0111\u1ecbnh v\u1ec1 ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi 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.<\/p>\n

[14]<\/a> Cho \u0111\u1ebfn cu\u1ed1i th\u00e1ng 5\/2026, Ng\u00e2n h\u00e0ng v\u1eabn kh\u00f4ng th\u1eeba nh\u1eadn l\u1ed7i h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7, m\u00e0 cho r\u1eb1ng \u0111\u00f3 l\u00e0 l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

[15]<\/a> Nh\u01b0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN ng\u00e0y 18\/12\/2023 v\u1ec1 \u201cTri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p an to\u00e0n, b\u1ea3o m\u1eadt trong thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n th\u1ebb ng\u00e2n h\u00e0ng\u201d; Th\u00f4ng t\u01b0 s\u1ed1 50\/2024\/TT-NHNN ng\u00e0y 31\/10\/2024 \u201cQuy \u0111\u1ecbnh v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt cho vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn trong ng\u00e0nh ng\u00e2n h\u00e0ng\u201d; Th\u00f4ng t\u01b0 s\u1ed1 64\/2024\/TT-NHNN ng\u00e0y 31\/12\/2024 \u201cQuy \u0111\u1ecbnh v\u1ec1 tri\u1ec3n khai giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf trong ng\u00e0nh ng\u00e2n h\u00e0ng\u201d.<\/p>\n

[16]<\/a> Ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau c\u1ee7a Ch\u01b0\u01a1ng tr\u00ecnh \u201c\u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng d\u1eef li\u1ec7u v\u1ec1 d\u00e2n c\u01b0, \u0111\u1ecbnh danh v\u00e0 x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed ph\u1ee5c v\u1ee5 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia giai \u0111o\u1ea1n 2026 – 2030, t\u1ea7m nh\u00ecn \u0111\u1ebfn n\u0103m 2035\u201d, ph\u00ea duy\u1ec7t theo\u00a0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 826\/Q\u0110-TTg ng\u00e0y 11\/5\/2026 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n

[17]<\/a> Ngh\u1ecb quy\u1ebft s\u1ed1 79-NQ\/TW ng\u00e0y 06\/01\/2026 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb v\u1ec1 \u201cPh\u00e1t tri\u1ec3n kinh t\u1ebf nh\u00e0 n\u01b0\u1edbc\u201d.<\/p>\n

[18]<\/a> Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 g\u1eedi sang B\u1ed9 T\u01b0 ph\u00e1p C\u00f4ng v\u0103n s\u1ed1 1454\/NHNN-PC ng\u00e0y 04\/3\/2026, \u0111\u1ec1 ngh\u1ecb th\u1ea9m \u0111\u1ecbnh 2 D\u1ef1 \u00e1n Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/p>\n

[19]<\/a>\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Theo quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p nh\u1ea5t v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2012 hi\u1ec7n nay l\u00e0 05 ng\u00e0y l\u00e0m vi\u1ec7c, k\u1ec3 t\u1eeb ng\u00e0y k\u00fd ban h\u00e0nh v\u0103n b\u1ea3n.<\/p>\n

[20]<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2439\/Q\u0110-TTg ng\u00e0y 04\/11\/2025 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh \u201cKhung ki\u1ebfn tr\u00fac d\u1eef li\u1ec7u qu\u1ed1c gia, khung qu\u1ea3n tr\u1ecb, qu\u1ea3n l\u00fd d\u1eef li\u1ec7u qu\u1ed1c gia, t\u1eeb \u0111i\u1ec3n d\u1eef li\u1ec7u d\u00f9ng chung (phi\u00ean b\u1ea3n 1.0)\u201d.<\/p>\n

[21]<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 16\/2025\/Q\u0110-TTg ng\u00e0y 16\/06\/2025c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c \u201cGi\u1ea3i th\u1ec3 \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia\u201d.<\/p>\n

[22]<\/a> Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP ng\u00e0y 29\/4\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d.<\/p>\n

[23]<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2006\/Q\u0110-NHNN ng\u00e0y 17\/12\/2021 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh \u201cK\u1ebf ho\u1ea1ch tri\u1ec3n khai th\u1ef1c hi\u1ec7n Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1813\/Q\u0110-TTg ng\u00e0y 28\/10\/2021 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t \u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1ea1i Vi\u1ec7t Nam giai \u0111o\u1ea1n 2021-2025\u201d.","protected":false},"excerpt":{"rendered":"

Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc trong K\u1ef7 nguy\u00ean m\u1edbi. (B\u00e1o c\u00e1o chuy\u00ean \u0111\u1ec1 ph\u1ee5c v\u1ee5 x\u00e2y d\u1ef1ng \u0111\u1ec1 \u00e1n \u201cChi\u1ebfn l\u01b0\u1ee3c ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt Vi\u1ec7t Nam trong K\u1ef7 nguy\u00ean m\u1edbi) 1. M\u1ed9t s\u1ed1 \u0111\u00e1nh gi\u00e1 v\u1ec1 th\u1ef1c tr\u1ea1ng h\u1ec7 th\u1ed1ng […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50311","post","type-post","status-publish","format-standard","hentry","category-khong-phan-loai"],"acf":[],"yoast_head":"\n461. 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