{"id":1913,"date":"2017-09-07T15:48:39","date_gmt":"2017-09-07T08:48:39","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=1913"},"modified":"2017-09-08T10:07:53","modified_gmt":"2017-09-08T03:07:53","slug":"xu-huong-ung-dung-mot-so-cong-nghe-dac-trung-cua-cmcn-4-0-trong-he-thong-ngan-hang","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/xu-huong-ung-dung-mot-so-cong-nghe-dac-trung-cua-cmcn-4-0-trong-he-thong-ngan-hang\/","title":{"rendered":"Xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Ch\u00fang ta \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc th\u1ec1m c\u1ee7a m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 – m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng s\u1ebd l\u00e0m thay \u0111\u1ed5i v\u1ec1 c\u01a1 b\u1ea3n c\u00e1ch ch\u00fang ta s\u1ed1ng, l\u00e0m vi\u1ec7c v\u00e0 li\u00ean h\u1ec7 v\u1edbi nhau. Cu\u1ed9c c\u00e1ch m\u1ea1ng n\u00e0y s\u1ebd kh\u00f4ng gi\u1ed1ng nh\u01b0 b\u1ea5t k\u1ef3 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng n\u00e0o tr\u01b0\u1edbc \u0111\u00f3 c\u1ea3 v\u1ec1 quy m\u00f4, ph\u1ea1m vi v\u00e0 s\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a n\u00f3. N\u1ebfu nh\u01b0 cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 nh\u1ea5t s\u1eed d\u1ee5ng n\u0103ng l\u01b0\u1ee3ng n\u01b0\u1edbc v\u00e0 h\u01a1i n\u01b0\u1edbc \u0111\u1ec3 c\u01a1 gi\u1edbi ho\u00e1 s\u1ea3n xu\u1ea5t th\u00ec cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 hai s\u1eed d\u1ee5ng n\u0103ng l\u01b0\u1ee3ng \u0111i\u1ec7n \u0111\u1ec3 t\u1ea1o n\u00ean n\u1ec1n s\u1ea3n xu\u1ea5t quy m\u00f4 l\u1edbn. Cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 ba s\u1eed d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed, c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a s\u1ea3n xu\u1ea5t. \u201cV\u00e0 b\u00e2y gi\u1edd, cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 \u0111ang \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh tr\u00ean n\u1ec1n t\u1ea3ng c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng th\u1ee9 ba – khi cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c di\u1ec5n ra t\u1eeb gi\u1eefa th\u1ebf k\u1ef7 tr\u01b0\u1edbc. N\u00f3 \u0111\u01b0\u1ee3c \u0111\u1eb7c tr\u01b0ng b\u1edfi s\u1ef1 h\u1ee3p nh\u1ea5t c\u00e1c c\u00f4ng ngh\u1ec7 v\u00e0 l\u00e0m m\u1edd \u0111i ranh gi\u1edbi gi\u1eefa c\u00e1c l\u0129nh v\u1ef1c v\u1eadt l\u00fd, k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 sinh h\u1ecdc<\/em>\u201d (Klaus Schwab, 2016).<\/p>\n

Cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 (ti\u1ebfng \u0110\u1ee9c l\u00e0 Industrie 4.0) \u0111ang l\u00e0 xu h\u01b0\u1edbng hi\u1ec7n nay c\u1ee7a s\u1ef1 trao \u0111\u1ed5i v\u1ec1 d\u1eef li\u1ec7u v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a trong c\u00f4ng ngh\u1ec7 s\u1ea3n xu\u1ea5t ch\u1ebf t\u1ea1o. Cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 \u00a0(CMCN 4.0) s\u1ebd t\u1ea1o ra c\u00e1c \u201cnh\u00e0 m\u00e1y th\u00f4ng minh\u201d v\u1edbi c\u1ea5u tr\u00fac \u0111a d\u1ea1ng v\u00e0 linh ho\u1ea1t, t\u1ea1i \u0111\u00f3 c\u00e1c h\u1ec7 th\u1ed1ng th\u1ef1c-\u1ea3o\/\u0111i\u1ec1u khi\u1ec3n-v\u1eadt l\u00fd (cyber\u2013physical systems) s\u1ebd gi\u00e1m s\u00e1t c\u00e1c qu\u00e1 tr\u00ecnh, t\u1ea1o ra m\u1ed9t b\u1ea3n sao \u1ea3o c\u1ee7a th\u1ebf gi\u1edbi v\u1eadt l\u00fd. Th\u00f4ng qua Internet c\u1ee7a v\u1ea1n v\u1eadt (IoT- Internet of Things)[1]<\/a>, c\u00e1c h\u1ec7 th\u1ed1ng th\u1ef1c-\u1ea3o\/\u0111i\u1ec1u khi\u1ec3n-v\u1eadt l\u00fd t\u01b0\u01a1ng t\u00e1c v\u1edbi nhau v\u00e0 v\u1edbi con ng\u01b0\u1eddi theo th\u1eddi gian th\u1ef1c; sau \u0111\u00f3, c\u00e1c th\u00e0nh vi\u00ean tham gia trong chu\u1ed7i gi\u00e1 tr\u1ecb (value chain) s\u1ebd s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd th\u00f4ng qua Internet c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 (IOS \u2013 Internet of Services). V\u1edbi \u0111\u1eb7c t\u00ednh \u00a0l\u00e0 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u1ec3 \u00e1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u1ef1 t\u1ed1i \u01b0u h\u00f3a, t\u1ef1 c\u1ea5u h\u00ecnh, t\u1ef1 ch\u1ea9n \u0111o\u00e1n, nh\u1eadn th\u1ee9c v\u00e0 h\u1ed7 tr\u1ee3 th\u00f4ng minh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong c\u00f4ng vi\u1ec7c ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p c\u1ee7a h\u1ecd, CMCN 4.0 \u0111\u00e3 t\u1ea1o ra “nh\u1eefng bi\u1ebfn \u0111\u1ed9ng l\u1edbn th\u1ee9 t\u01b0 trong s\u1ea3n xu\u1ea5t ch\u1ebf t\u1ea1o hi\u1ec7n \u0111\u1ea1i, sau cu\u1ed9c c\u00e1ch m\u1ea1ng \u0111i\u1ec7n nh\u1eefng n\u0103m 1970, cu\u1ed9c c\u00e1ch m\u1ea1ng gia c\u00f4ng c\u1ee7a nh\u1eefng n\u0103m 1990, v\u00e0 s\u1ef1 t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u00e3 di\u1ec5n ra trong nh\u1eefng n\u0103m 2000” (theo McKinsey).<\/p>\n

Theo b\u00e1o c\u00e1o c\u1ee7a Di\u1ec5n \u0111\u00e0n Kinh t\u1ebf Th\u1ebf gi\u1edbi c\u00f4ng b\u1ed1 th\u00e1ng 9\/2015, 21 s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7 s\u1ebd \u0111\u1ecbnh h\u00ecnh trong t\u01b0\u01a1ng lai d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 th\u1ebf gi\u1edbi si\u00eau k\u1ebft n\u1ed1i [2]<\/a>, <\/strong>bao g\u1ed3m: qu\u1ea7n \u00e1o k\u1ebft n\u1ed1i v\u1edbi Internet; nh\u1eefng s\u1ea3n ph\u1ea9m c\u1ea3m bi\u1ebfn k\u1ebft n\u1ed1i v\u1edbi Internet; l\u01b0u tr\u1eef d\u1eef li\u1ec7u kh\u00f4ng gi\u1edbi h\u1ea1n v\u00e0 mi\u1ec5n ph\u00ed tr\u00ean ng\u01b0\u1eddi (c\u00f3 k\u00e8m qu\u1ea3ng c\u00e1o); d\u01b0\u1ee3c s\u0129 robot; m\u1eaft k\u00ednh k\u1ebft n\u1ed1i v\u1edbi Internet; s\u1ed1 \u0111\u00f4ng d\u00e2n s\u1ed1 hi\u1ec7n di\u1ec7n tr\u00ean Internet; \u00f4t\u00f4 \u0111\u01b0\u1ee3c s\u1ea3n xu\u1ea5t ho\u00e0n to\u00e0n b\u1eb1ng c\u00f4ng ngh\u1ec7 in 3D; \u0111i\u1ec1u tra d\u00e2n s\u1ed1 b\u1eb1ng c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u l\u1edbn; \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng c\u1ea5y gh\u00e9p v\u00e0o ng\u01b0\u1eddi; s\u1ea3n ph\u1ea9m ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c s\u1ea3n xu\u1ea5t b\u1eb1ng c\u00f4ng ngh\u1ec7 in 3D; \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh; xe kh\u00f4ng ng\u01b0\u1eddi l\u00e1i; c\u1ea5y gh\u00e9p gan b\u1eb1ng c\u00f4ng ngh\u1ec7 in 3D; ki\u1ec3m to\u00e1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o; thu thu\u1ebf c\u1ee7a ch\u00ednh ph\u1ee7 qua blockchain (kh\u1ed1i chu\u1ed7i); 50% c\u00e1c thi\u1ebft b\u1ecb d\u00e2n d\u1ee5ng \u1edf nh\u00e0 c\u00f3 th\u1ec3 truy c\u1eadp Internet; nh\u1eefng chuy\u1ebfn \u0111i du l\u1ecbch hay c\u00f4ng t\u00e1c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n chia s\u1ebb; th\u00e0nh ph\u1ed1 (kho\u1ea3ng 50 000 ng\u01b0\u1eddi) kh\u00f4ng c\u00f3 \u0111\u00e8n giao th\u00f4ng; t\u1ed5ng s\u1ea3n ph\u1ea9m n\u1ed9i \u0111\u1ecba to\u00e0n c\u1ea7u \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean blockchain; m\u00e1y tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o. \u0110\u00e2y l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c k\u00ec v\u1ecdng s\u1ebd xu\u1ea5t hi\u1ec7n trong 10 n\u0103m t\u1edbi b\u1eaft ngu\u1ed3n t\u1eeb nh\u1eefng thay \u0111\u1ed5i s\u00e2u s\u1eafc c\u1ee7a CMCN 4.0.<\/p>\n

Ngo\u00e0i ra, c\u00e1c c\u00f4ng ngh\u1ec7 cao\/c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0 l\u00e0 nh\u1eefng c\u00f4ng ngh\u1ec7 c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o ra \u0111\u1ed9t ph\u00e1, thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi s\u1ed1ng v\u00e0 l\u00e0m vi\u1ec7c, x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1c gi\u00e1 tr\u1ecb, d\u1eabn \u0111\u1ebfn c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ho\u00e0n to\u00e0n m\u1edbi. Nghi\u00ean c\u1ee9u n\u00e0y ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0 bao g\u1ed3m blockchain, robot t\u1ef1 \u0111\u1ed9ng, v\u00e0 d\u1eef li\u1ec7u l\u1edbn. Nh\u1eefng c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng n\u00e0y \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd l\u00e0 xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u, g\u00e2y t\u00e1c \u0111\u1ed9ng m\u1ea1nh \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng \u2013 ti\u1ec1n t\u1ec7 t\u1ea1i c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

Blockchain<\/h3>\n

Blockchain \u0111ang l\u00e0 xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng tr\u00ean th\u1ebf gi\u1edbi nghi\u00ean c\u1ee9u tri\u1ec3n khai khi c\u00f4ng ngh\u1ec7 Blockchain \u0111ang t\u1ea1o ra nh\u1eefng giao d\u1ecbch nhanh h\u01a1n, r\u1ebb h\u01a1n, an to\u00e0n h\u01a1n v\u00e0 minh b\u1ea1ch. \u0110\u01b0\u1ee3c ph\u00e1t minh v\u00e0 thi\u1ebft k\u1ebf b\u1edfi Satoshi Nakamoto<\/a> v\u00e0o n\u0103m 2008 \u0111\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a nh\u01b0 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ed1t l\u00f5i c\u1ee7a Bitcoin<\/a>, c\u00f4ng ngh\u1ec7 blockchain \u0111\u00f3ng vai tr\u00f2 nh\u01b0 l\u00e0 m\u1ed9t cu\u1ed1n s\u1ed5 c\u00e1i cho t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch. Vi\u1ec7c ph\u00e1t minh ra blockchain cho Bitcoin<\/a> \u0111\u00e3 l\u00e0m cho n\u00f3 tr\u1edf th\u00e0nh lo\u1ea1i ti\u1ec1n t\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 double spending (chi ti\u00eau gian l\u1eadn khi 1 l\u01b0\u1ee3ng ti\u1ec1n \u0111\u01b0\u1ee3c d\u00f9ng 2 l\u1ea7n). C\u00f4ng ngh\u1ec7 n\u00e0y c\u1ee7a Bitcoin<\/a> \u0111\u00e3 tr\u1edf th\u00e0nh ngu\u1ed3n c\u1ea3m h\u1ee9ng cho m\u1ed9t lo\u1ea1t c\u00e1c \u1ee9ng d\u1ee5ng kh\u00e1c c\u1ee7a blockchain ra \u0111\u1eddi, khi\u1ebfn c\u00f4ng ngh\u1ec7 blockchain \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 b\u01b0\u1edbc ti\u1ebfn m\u1edbi trong Ng\u00e0nh T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng.<\/p>\n

Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng (NHTW) m\u1ed9t s\u1ed1 n\u01b0\u1edbc (Anh, Nh\u1eadt B\u1ea3n, Ch\u00e2u \u00c2u\u2026) v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111ang l\u00e0m cho c\u00f4ng ngh\u1ec7 blockchain \u0111\u01b0\u1ee3c lan truy\u1ec1n m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd. Th\u00e1ng 12\/2016, NHTW Nh\u1eadt B\u1ea3n (Bank of Japan) \u0111\u00e3 c\u00f4ng b\u1ed1 m\u1ed9t d\u1ef1 \u00e1n nghi\u00ean c\u1ee9u chung v\u1ec1 blockchain v\u1edbi NHTW Ch\u00e2u \u00c2u (ECB) v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd ph\u00e1t h\u00e0nh v\u00e0o cu\u1ed1i n\u0103m 2017. Hi\u1ec7p h\u1ed9i h\u1ee3p t\u00e1c Blockchain c\u1ee7a n\u01b0\u1edbc n\u00e0y hi\u1ec7n c\u00f3 120 th\u00e0nh vi\u00ean tham gia. Trong n\u0103m 2016, C\u01a1 quan ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh (FCA) t\u1ea1i Anh c\u0169ng \u0111\u00e3 xem x\u00e9t vi\u1ec7c ph\u00ea duy\u1ec7t m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m blockchain v\u00e0 t\u00ecm c\u00e1ch l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u00e1p d\u1ee5ng blockchain v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111em l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng ho\u1eb7c l\u00e0m cho c\u00e1c doanh nghi\u1ec7p tu\u00e2n th\u1ee7 d\u1ec5 d\u00e0ng h\u01a1n. S\u1ef1 quan t\u00e2m \u0111\u1ebfn blockchain t\u1ea1i Anh \u0111\u00e3 ph\u00e1t tri\u1ec3n v\u00e0o n\u0103m 2016 khi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n th\u00ed \u0111i\u1ec3m blockchain. Royal Bank of Scotland, Barclays v\u00e0 Santander n\u1eb1m trong s\u1ed1 nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang t\u1ea1o ra c\u00e1c \u1ee9ng d\u1ee5ng d\u1ef1a tr\u00ean blockchain trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 thanh to\u00e1n qu\u1ed1c t\u1ebf. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a IDC c\u0169ng hy v\u1ecdng r\u1eb1ng l\u00e0n s\u00f3ng blockchain chuy\u1ec3n t\u1eeb giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m sang s\u1ea3n xu\u1ea5t s\u1ebd t\u1eadp trung v\u00e0o t\u00e0i ch\u00ednh th\u01b0\u01a1ng m\u1ea1i v\u00e0 m\u1ed9t s\u1ed1 d\u1ef1 \u00e1n th\u00ed \u0111i\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong n\u0103m 2017.<\/p>\n

C\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a blockchain trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 khung ph\u00e1p l\u00fd c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 NHTW \u0111\u00f3ng m\u1ed9t vai tr\u00f2 kh\u00e1 quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ecbnh h\u01b0\u1edbng, qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t blockchain. Tuy nhi\u00ean, do \u0111ang trong giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng blockchain n\u00ean nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng blockchain trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u1eabn ch\u01b0a t\u1ed3n t\u1ea1i t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Ngo\u00e0i ra, vi\u1ec7c quy \u0111\u1ecbnh v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn blockchain ph\u1ee5 thu\u1ed9c v\u00e0o l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng n\u00ean ch\u01b0a c\u00f3 nh\u1eefng quy \u0111\u1ecbnh chung cho blockchain, ngo\u1ea1i tr\u1eeb nh\u1eefng y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111i\u1ec1u ti\u1ebft ph\u1ea3i t\u1ea1o ra m\u1ed9t “s\u00e2n ch\u01a1i b\u00ecnh \u0111\u1eb3ng” \u0111\u1ec3 c\u1ea1nh tranh v\u1edbi nh\u1eefng \u0111\u01a1n v\u1ecb kh\u1edfi nghi\u1ec7p blockchain m\u1edbi v\u00e0 t\u1ea1o ra c\u00e1c quy \u0111\u1ecbnh v\u1ec1 k\u1ef9 thu\u1eadt b\u1ea3o m\u1eadt \u0111\u1ec3 th\u00ed \u0111i\u1ec3m cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 ti\u1ec1m n\u0103ng m\u00e0 kh\u00f4ng va ch\u1ea1m v\u1edbi c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh. Tuy nhi\u00ean, hi\u1ec7n nay c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh \u00e1p d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean blockchain. V\u00ed d\u1ee5, b\u1ea5t k\u1ef3 h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh n\u00e0o c\u00f3 li\u00ean quan \u0111\u1ebfn blockchain s\u1ebd ph\u1ea3i tu\u00e2n th\u1ee7 \u00edt nh\u1ea5t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng ph\u00e1p l\u00fd nh\u01b0 trong lu\u1eadt giao d\u1ecbch v\u00e0 th\u01b0\u01a1ng m\u1ea1i. Hay vi\u1ec7c l\u01b0u tr\u1eef d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng tr\u00ean m\u00e1y t\u00ednh t\u1ea1i c\u00e1c qu\u1ed1c gia kh\u00e1c nhau c\u0169ng s\u1ebd y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 lu\u1eadt b\u1ea3o m\u1eadt d\u1eef li\u1ec7u theo t\u1eebng qu\u1ed1c gia (Javier Sebasti\u00e1n Cerme\u00f1o , 2016). Ngo\u00e0i ra, t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111ang \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng tr\u00ean blockchain (thanh to\u00e1n, cho vay, \u0111\u1ea7u t\u01b0, v.v\u2026), m\u00e0 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 c\u00e1c lo\u1ea1i d\u1ecbch v\u1ee5 n\u00e0y s\u1ebd ph\u1ea3i \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. V\u00ed d\u1ee5: nh\u1eefng quy \u0111\u1ecbnh \u0111\u1ec3 ng\u0103n ch\u1eb7n gian l\u1eadn t\u00e0i ch\u00ednh, h\u00e0nh vi tr\u1ed9m c\u1eafp danh t\u00ednh v\u00e0 t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1, ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n (KYC v\u00e0 AML), quy \u0111\u1ecbnh v\u1ec1 th\u1ecb tr\u01b0\u1eddng v\u1ed1n, quy \u0111\u1ecbnh cho vay, v.v … D\u00f9 sao \u0111i n\u1eefa, s\u1ef1 h\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t ngay t\u1eeb ban \u0111\u1ea7u l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u00edch nghi v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh th\u1ed1ng nh\u1ea5t v\u1ec1 blockchain.<\/p>\n

<\/a>Robot t\u1ef1 \u0111\u1ed9ng<\/h3>\n

Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, \u0111\u1ec3 duy tr\u00ec s\u1ef1 c\u1ea1nh tranh trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng b\u00e3o h\u00f2a – \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i ng\u00e2n h\u00e0ng \u1ea3o – c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i t\u00ecm c\u00e1ch mang l\u1ea1i nh\u1eefng ti\u1ec7n \u00edch t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. T\u1eeb \u0111\u00f3, th\u00e1ch th\u1ee9c \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a hi\u1ec7u qu\u1ea3 v\u00e0 gi\u1eef chi ph\u00ed c\u00e0ng th\u1ea5p c\u00e0ng t\u1ed1t trong khi v\u1eabn duy tr\u00ec \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u1ed9 b\u1ea3o m\u1eadt t\u1ed1i \u0111a c\u0169ng t\u0103ng l\u00ean. \u0110\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng y\u00eau c\u1ea7u n\u00e0y, c\u00f4ng ngh\u1ec7 robot ti\u00ean ti\u1ebfn \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u1ea1i \u1ea4n \u0110\u1ed9, Nh\u1eadt B\u1ea3n, \u0110\u00e0i Loan\u2026 \u0111\u00e3 s\u1eed d\u1ee5ng robot \u0111\u1ec3 giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng t\u1eeb n\u0103m 2016. Ngo\u00e0i ra, trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 k\u1ebf to\u00e1n, robot c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u01b0 v\u1ea5n, t\u00ednh to\u00e1n t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh, ghi s\u1ed5, th\u1ef1c hi\u1ec7n \u0111\u1ed1i chi\u1ebfu t\u00e0i kho\u1ea3n s\u1ed5 c\u00e1i, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch gi\u1eefa c\u00e1c c\u00f4ng ty v\u00e0 duy tr\u00ec d\u1eef li\u1ec7u k\u1ebf to\u00e1n. C\u00e1c c\u00f4ng ty c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng robot \u0111\u1ec3 ki\u1ec3m tra b\u00e1o c\u00e1o chi ph\u00ed, qu\u1ea3n l\u00fd h\u00f3a \u0111\u01a1n \u0111\u1ea7u v\u00e0o, x\u1eed l\u00fd thanh to\u00e1n c\u1ee7a nh\u00e0 cung c\u1ea5p\u2026V\u00ed d\u1ee5, tr\u01b0\u1edbc l\u00e0n s\u00f3ng t\u00e1c \u0111\u1ed9ng c\u1ee7a CMCN 4.0, h\u00ecnh th\u1ee9c t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh b\u1eb1ng robot software (robotic process automation \u2013 RPA) \u0111\u01b0\u1ee3c ph\u00e1t minh v\u00e0 s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh, gi\u00fap cho vi\u1ec7c qu\u1ea3n l\u00fd, t\u00ecm ki\u1ebfm th\u00f4ng tin, d\u1eef li\u1ec7u, x\u1eed l\u00fd c\u00e1c giao d\u1ecbch v\u00e0 giao ti\u1ebfp v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng s\u1ed1 kh\u00e1c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3 v\u00e0 th\u1ed1ng nh\u1ea5t. C\u1ee5 th\u1ec3, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c th\u00f4ng tin \u1edf \u0111\u00e2u v\u00e0 c\u00f3 th\u1ec3 truy c\u1eadp th\u00f4ng tin \u0111\u00f3 ch\u1ec9 b\u1eb1ng m\u1ed9t n\u00fat b\u1ea5m nh\u1edd v\u00e0o ph\u1ea7n m\u1ec1m robot \u0111ang ch\u1ea1y \u1ea9n. Vi\u1ec7c s\u1eed d\u1ee5ng RPA c\u00f3 th\u1ec3 t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng minh b\u1ea1ch h\u01a1n khi d\u1eef li\u1ec7u cho t\u1eebng giao d\u1ecbch \u0111\u01b0\u1ee3c ghi l\u1ea1i, ph\u00e2n lo\u1ea1i v\u00e0 l\u01b0u tr\u1eef m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng \u0111\u1ec3 t\u00ecm ki\u1ebfm v\u00e0 xem l\u1ea1i b\u1ea5t c\u1ee9 l\u00fac n\u00e0o theo y\u00eau c\u1ea7u. Hi\u1ec7n nay, ng\u00e2n h\u00e0ng ANZ \u0111ang s\u1eed d\u1ee5ng RPA \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c ch\u1ee9c n\u0103ng v\u1ec1 bi\u00ean ch\u1ebf, t\u00e0i kho\u1ea3n, chuy\u1ec3n ti\u1ec1n v\u00e0 nh\u00e2n s\u1ef1; ng\u00e2n h\u00e0ng ICICI s\u1eed d\u1ee5ng RPA \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u01a1n m\u1ed9t tri\u1ec7u giao d\u1ecbch ng\u00e2n h\u00e0ng trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng x\u1eed l\u00fd c\u00e1c d\u1eef li\u1ec7u m\u1ed7i ng\u00e0y. Nh\u1eefng ph\u1ea7n m\u1ec1m robot n\u00e0y \u0111\u01b0\u1ee3c tri\u1ec3n khai trong h\u01a1n 200 quy tr\u00ecnh nghi\u1ec7p v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb, giao d\u1ecbch ngo\u1ea1i h\u1ed1i, ngu\u1ed3n v\u1ed1n v\u00e0 nh\u00e2n s\u1ef1. C\u00e1c quy tr\u00ecnh n\u00e0y bao g\u1ed3m y\u00eau c\u1ea7u thay \u0111\u1ed5i \u0111\u1ecba ch\u1ec9, truy v\u1ea5n ATM v\u00e0 x\u00e1c minh s\u1ef1 tu\u00e2n th\u1ee7 c\u1ee7a kh\u00e1ch h\u00e0ng. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, ng\u00e2n h\u00e0ng Barclays th\u1ef1c hi\u1ec7n RPA tr\u00ean m\u1ed9t lo\u1ea1t c\u00e1c quy tr\u00ecnh nh\u01b0 ph\u00e1t hi\u1ec7n gian l\u1eadn, gi\u00e1m s\u00e1t r\u1ee7i ro, x\u1eed l\u00fd kho\u1ea3n ph\u1ea3i thu v\u00e0 \u00e1p d\u1ee5ng kho\u1ea3n vay.<\/p>\n

Tuy nhi\u00ean, gi\u1ed1ng nh\u01b0 c\u00e1c ng\u00e0nh kh\u00e1c, c\u00e1c ng\u00e2n h\u00e0ng khi s\u1eed d\u1ee5ng robot c\u0169ng ph\u1ea3i duy tr\u00ec li\u00ean t\u1ee5c m\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt cao v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ch\u00ednh ph\u1ee7. Ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng quy \u0111\u1ecbnh v\u00e0 lu\u1eadt c\u0169ng ph\u1ea3i t\u1ea1o l\u00f2ng tin cho c\u00f4ng ngh\u1ec7 robot ph\u00e1t tri\u1ec3n v\u00e0 b\u1ea3o \u0111\u1ea3m v\u1ec1 th\u01b0\u01a1ng hi\u1ec7u, c\u00e1c ch\u1ee9c n\u0103ng ho\u1ea1t \u0111\u1ed9ng, quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7 v\u00e0 c\u00f3 m\u1ed9t s\u00e2n ch\u01a1i c\u00f4ng b\u1eb1ng. Khung ph\u00e1p l\u00fd cu\u1ea3 NHTW ph\u1ea3i \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c m\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ngh\u1ec7 robot mang l\u1ea1i (Chris Holder, Vikram Khurana, Faye Harrison, Louisa Jacobs, 2016).<\/p>\n

<\/a>D\u1eef li\u1ec7u l\u1edbn (Big data)<\/h3>\n

Trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, Big data \u0111ang \u0111\u01b0\u1ee3c quan t\u00e2m v\u00e0 \u1ee9ng d\u1ee5ng nhi\u1ec1u h\u01a1n c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u01b0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u0169ng nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh. C\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u l\u1edbn m\u1edbi c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 cho c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u t\u1eeb c\u00e1c s\u00e0n giao d\u1ecbch, c\u00e1c giao d\u1ecbch thanh to\u00e1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng, d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng di \u0111\u1ed9ng, c\u00e1c h\u1ed3 s\u01a1 li\u00ean quan \u0111\u1ebfn c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n ti\u1ec1n m\u1eb7t, thanh quy\u1ebft to\u00e1n ch\u1ee9ng kho\u00e1n, thanh to\u00e1n b\u00f9 tr\u1eeb v\u00e0 ph\u00e1i sinh c\u0169ng nh\u01b0 c\u00e1c giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i v\u00e0 b\u00e1n l\u1ebb.<\/p>\n

\u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, y\u00eau c\u1ea7u s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 d\u1eef li\u1ec7u Big data ng\u00e0y c\u00e0ng t\u0103ng trong \u0111i\u1ec1u h\u00e0nh khi ngu\u1ed3n th\u00f4ng tin t\u0103ng l\u00ean. Theo BIS (2016), Big data c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 cho c\u00e1c NHTW trong vi\u1ec7c n\u1eafm b\u1eaft nh\u1eefng chuy\u1ec3n \u0111\u1ed9ng theo th\u1eddi gian th\u1ef1c c\u1ee7a n\u1ec1n kinh t\u1ebf c\u0169ng nh\u01b0 \u0111\u01b0a ra nh\u1eefng ch\u1ec9 s\u1ed1 c\u1ea3nh b\u00e1o s\u1edbm \u0111\u1ec3 gi\u00fap \u00edch cho vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u00e1c b\u01b0\u1edbc ngo\u1eb7t trong chu k\u1ef3 kinh t\u1ebf. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 r\u1ea5t h\u1eefu \u00edch \u0111\u1ec3 nh\u1eadn ra c\u00e1c d\u1ea5u hi\u1ec7u b\u00e1o tr\u01b0\u1edbc cho c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh. Th\u00e1ng 8-9\/2016, Nh\u00e0 xu\u1ea5t b\u1ea3n ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng (Central banking publications) \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi Bearing Point th\u1ef1c hi\u1ec7n kh\u1ea3o s\u00e1t v\u1ec1 Big data t\u1ea1i 42 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng tr\u00ean th\u1ebf gi\u1edbi. Nh\u1eefng k\u1ebft qu\u1ea3 ch\u00ednh c\u1ee7a kh\u1ea3o s\u00e1t n\u00e0y bao g\u1ed3m:<\/p>\n

– C\u00e1c NHTW \u0111\u1ec1u quan t\u00e2m t\u00edch c\u1ef1c \u0111\u1ebfn vi\u1ec7c ph\u00e1t tri\u1ec3n Big data.<\/p>\n

– Ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00e3 ph\u00e1t tri\u1ec3n c\u00e1c n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u ri\u00eang \u0111\u1ec3 x\u1eed l\u00fd vi\u1ec7c thu th\u1eadp d\u1eef li\u1ec7u thanh tra.<\/p>\n

– Big data \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 \u00edch cho nghi\u00ean c\u1ee9u, tuy nhi\u00ean ch\u1ec9 m\u1ed9t ph\u1ea7n th\u1ea5y \u0111\u01b0\u1ee3c s\u1ef1 tham gia tr\u1ef1c ti\u1ebfp c\u1ee7a n\u00f3 trong qu\u00e1 tr\u00ecnh ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch.<\/p>\n

– S\u1ef1 thi\u1ebfu v\u1eafng c\u00e1c h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c xem nh\u01b0 tr\u1edf ng\u1ea1i ch\u00ednh \u0111\u1ec3 t\u0103ng vi\u1ec7c s\u1eed d\u1ee5ng Big data.<\/p>\n

– Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c cho r\u1eb1ng s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb Big data do Big data \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 l\u00ean ch\u00ednh s\u00e1ch an to\u00e0n v\u0129 m\u00f4.<\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0<\/strong><\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111ang c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfp c\u1eadn nhanh ch\u00f3ng v\u1edbi CMCN 4.0 khi nhu c\u1ea7u \u1ee9ng d\u1ee5ng v\u00e0 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 cao trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111ang t\u0103ng cao \u0111\u1ec3 t\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 c\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng ti\u00ean ti\u1ebfn trong khu v\u1ef1c v\u00e0 th\u1ebf gi\u1edbi. Theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u00e0o th\u00e1ng 5\/2017 v\u1eeba qua t\u1ea1i 18 H\u1ed9i s\u1edf ch\u00ednh c\u00e1c NHTM, 1 ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, 4 ng\u00e2n h\u00e0ng 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i v\u00e0 2 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 (\u0111\u1ea1i di\u1ec7n cho 65% t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng), 92% ng\u00e2n h\u00e0ng tr\u1ea3 l\u1eddi \u0111ang c\u00f3 nh\u1eefng chu\u1ea9n b\u1ecb v\u1ec1 \u0111\u1ea7u t\u01b0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 ph\u00e1t tri\u1ec3n k\u00eanh b\u00e1n h\u00e0ng qua c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ec3 \u0111\u00f3n nh\u1eadn v\u00e0 th\u00edch \u1ee9ng v\u1edbi nh\u1eefng b\u01b0\u1edbc ti\u1ebfn \u0111ang \u0111\u1ebfn c\u1ee7a CMCN 4.0 v\u00e0 76% chu\u1ea9n b\u1ecb v\u1ec1 thu h\u00fat lao \u0111\u1ed9ng trong l\u0129nh v\u1ef1c k\u1ef9 thu\u1eadt \u2013 c\u00f4ng ngh\u1ec7 cao & c\u00f4ng ngh\u1ec7 th\u00f4ng tin. \u0110\u1eb7c bi\u1ec7t, 96% c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111ang x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 cao\/c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0 \u0111\u1ebfn n\u0103m 2025, trong \u0111\u00f3 c\u00f3 03 ng\u00e2n h\u00e0ng (NHTMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng, NHTMCP Ti\u00ean Phong, NH HSBC) c\u00f3 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u1ec1 robot t\u1ef1 \u0111\u1ed9ng v\u00e0 ti\u00ean ti\u1ebfn. Nh\u01b0 v\u1eady, v\u1edbi vi\u1ec7c \u0111\u00f3n nh\u1eadn nh\u1eefng ti\u1ebfn b\u1ed9 khoa h\u1ecdc c\u00f4ng ngh\u1ec7, nh\u1eefng th\u00f4ng tin, tri th\u1ee9c, c\u00e1c d\u1ecbch v\u1ee5 ti\u00ean ti\u1ebfn… t\u1eeb cu\u1ed9c CMCN 4.0, \u00a0c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam s\u1ebd c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf, h\u1ecdc h\u1ecfi tr\u00ecnh \u0111\u1ed9 qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh v\u00e0 kinh doanh ti\u00ean ti\u1ebfn, ph\u00e1t huy ti\u1ec1m n\u0103ng to l\u1edbn v\u1ec1 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng v\u00e0 c\u00f3 nh\u1eefng thay \u0111\u1ed5i k\u1ecbp th\u1eddi v\u1edbi xu th\u1ebf c\u00f4ng ngh\u1ec7 m\u1edbi. Tuy nhi\u00ean, nh\u00ecn v\u00e0o xu\u1ea5t ph\u00e1t \u0111i\u1ec3m c\u1ee7a Vi\u1ec7t Nam khi l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng d\u1ed3i d\u00e0o nh\u01b0ng thi\u1ebfu lao \u0111\u1ed9ng ch\u1ea5t l\u01b0\u1ee3ng cao, tr\u01b0\u1edbc t\u1ed1c \u0111\u1ed9 thay \u0111\u1ed5i nhanh ch\u00f3ng v\u00e0 t\u00e1c \u0111\u1ed9ng s\u00e2u r\u1ed9ng c\u1ee7a CMCN 4.0, c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u0169ng s\u1ebd kh\u00f4ng tr\u00e1nh kh\u1ecfi nh\u1eefng kh\u00f3 kh\u0103n n\u1ebfu nh\u01b0 mu\u1ed1n \u1ee9ng d\u1ee5ng m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0 nh\u01b0 blockchain, robot t\u1ef1 \u0111\u1ed9ng hay big data. Do v\u1eady, c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u1ea7n ph\u1ea3i l\u01b0u \u00fd m\u1ed9t s\u1ed1 \u0111i\u1ec3m sau:<\/p>\n

– Ch\u1ee7 \u0111\u1ed9ng n\u1eafm b\u1eaft v\u00e0 chu\u1ea9n b\u1ecb c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c nh\u1eefng c\u01a1 h\u1ed9i t\u1ed1t v\u00e0 h\u1ea1n ch\u1ebf nh\u1eefng kh\u00f3 kh\u0103n th\u00e1ch th\u1ee9c s\u1ebd g\u1eb7p ph\u1ea3i khi h\u00f2a nh\u1eadp c\u00f9ng CMCN 4.0.<\/p>\n

– Ph\u00e1t tri\u1ec3n nh\u1eefng gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 th\u00f4ng tin m\u1edbi, \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng Big data trong ph\u00e2n t\u00edch v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u: L\u01b0\u1ee3ng d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o t\u0103ng nhanh theo c\u1ea5p s\u1ed1 nh\u00e2n \u0111\u00f2i h\u1ecfi c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i nghi\u00ean c\u1ee9u v\u00e0 \u1ee9ng d\u1ee5ng c\u00e1c k\u1ef9 thu\u1eadt m\u1edbi, hi\u1ec7n \u0111\u1ea1i nh\u01b0 Big data \u0111\u1ec3 thu th\u1eadp, l\u01b0u tr\u1eef, x\u1eed l\u00fd, ph\u00e2n t\u00edch v\u00e0 chi\u1ebft su\u1ea5t s\u1ed1 li\u1ec7u t\u1eeb nhi\u1ec1u ngu\u1ed3n kh\u00e1c nhau m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o m\u1eadt, h\u1ed7 tr\u1ee3 cho vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh kinh doanh v\u00e0 t\u1ea1o l\u1ee3i th\u1ebf c\u1ea1nh tranh. Trong th\u1eddi gian t\u1edbi, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng trung t\u00e2m d\u1eef li\u1ec7u, d\u00e0nh m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 ri\u00eang cho vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u v\u00e0 t\u0103ng c\u01b0\u1eddng vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 c\u1ee7a Big data trong ph\u00e2n t\u00edch v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u.<\/p>\n

– Nghi\u00ean c\u1ee9u kh\u1ea3 n\u0103ng \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi t\u1eeb CMCN4.0 (robot t\u1ef1 \u0111\u1ed9ng, blockchain) \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh: Hi\u1ec7n nay, c\u00e1c qu\u1ed1c gia \u0111i \u0111\u1ea7u v\u1ec1 ti\u1ebfp c\u1eadn CMCN 4.0 coi vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain v\u00e0 robot t\u1ef1 \u0111\u1ed9ng nh\u01b0 m\u1ed9t xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng \u0111\u1ea7y h\u1ee9a h\u1eb9n cho vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn th\u00f4ng qua ph\u00e1t tri\u1ec3n c\u00e1c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u1edbi kh\u00e1ch h\u00e0ng (giao ti\u1ebfp, t\u01b0 v\u1ea5n, thanh to\u00e1n, cho vay\u2026) hay s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 c\u00e1c thao t\u00e1c nghi\u1ec7p v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng (t\u00ednh to\u00e1n, ghi s\u1ed5, \u0111\u1ed1i chi\u1ebfu t\u00e0i kho\u1ea3n, th\u1ef1c hi\u1ec7n giao d\u1ecbch, ki\u1ec3m tra b\u00e1o c\u00e1o, qu\u1ea3n l\u00fd h\u00f3a \u0111\u01a1n, x\u1eed l\u00fd thanh to\u00e1n, t\u00ecm ki\u1ebfm th\u00f4ng tin, d\u1eef li\u1ec7u, gi\u00e1m s\u00e1t r\u1ee7i ro\u2026). Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam n\u00ean xem x\u00e9t kh\u1ea3 n\u0103ng v\u00e0 ngu\u1ed3n l\u1ef1c c\u0169ng nh\u01b0 m\u1ee5c \u0111\u00edch v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n c\u1ee7a m\u00ecnh \u0111\u1ec3 tri\u1ec3n khai nh\u1eefng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi n\u00e0y.<\/p>\n

– <\/em>Ch\u00fa tr\u1ecdng qu\u1ea3n l\u00fd an ninh m\u1ea1ng:\u00a0CMCN 4.0 \u0111\u00e3 \u0111\u1ea9y cao m\u1ee9c \u0111\u1ed9 chia s\u1ebb th\u00f4ng tin t\u1eeb \u0111\u00f3 t\u1ea1o ra m\u1ed9t nhu c\u1ea7u r\u1ea5t l\u1edbn v\u1ec1 an ninh m\u1ea1ng. Theo \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1eb7c bi\u1ec7t quan t\u00e2m \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng trung t\u00e2m D\u1ef1 ph\u00f2ng d\u1eef li\u1ec7u (Disaster Recovery); n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng an ninh, b\u1ea3o m\u1eadt \u1edf m\u1ee9c cao, \u0111\u1ea3m b\u1ea3o vi\u1ec7c m\u1edf r\u1ed9ng ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng (n\u1ebfu c\u00f3) \u0111\u01b0\u1ee3c \u1ed5n \u0111\u1ecbnh, an to\u00e0n, mang l\u1ea1i hi\u1ec7u qu\u1ea3 l\u00e2u d\u00e0i, \u0111\u00e1p \u1ee9ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u0169ng c\u1ea7n nghi\u00ean c\u1ee9u v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng qu\u1ea3n l\u00fd c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam trong xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 \u0111\u1eb7c tr\u01b0ng c\u1ee7a CMCN 4.0. \u0110\u1ed3ng th\u1eddi, NHNN c\u1ea7n t\u0103ng c\u01b0\u1eddng c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n cho h\u1ec7 th\u1ed1ng thanh to\u00e1n qu\u1ed1c gia; ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd, hi\u1ec7u qu\u1ea3 v\u1edbi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, t\u0103ng c\u01b0\u1eddng c\u00e1c quy \u0111\u1ecbnh v\u00e0 bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, b\u1ea3o m\u1eadt, ph\u00e1t hi\u1ec7n \u0111\u1ea5u tranh, ph\u00f2ng ng\u1eeba, ng\u0103n ch\u1eb7n v\u00e0 x\u1eed l\u00fd c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c thanh to\u00e1n th\u1ebb, ATM, POS v\u00e0 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao.<\/p>\n

<\/a>T\u00e0i li\u1ec7u tham kh\u1ea3o<\/h1>\n
    \n
  1. Klaus Schwab (2016),\u00a0The Fourth Industrial Revolution<\/em>,\u00a0World Economic Forum<\/li>\n
  2. Mike Gault (2015), Forget Bitcoin – What Is the Blockchain and Why Should You Care?, <\/em>retrieved on August 5th 2016, from <https:\/\/www.linkedin.com\/pulse\/forget-bitcoin-what-blockchain-why-should-you-care-source-ben-aissa><\/li>\n
  3. Javier Sebasti\u00e1n Cerme\u00f1o (December 2016), Blockchain in financial services: regulatory landscape and future challenges for its commercial application<\/em>, working paper n.16\/20, BBVA.<\/li>\n
  4. Chris Holder, Vikram Khurana, Faye Harrison, Louisa Jacobs (2016), Robotics and law: Key legal and regulatory implications of the robotics<\/em><\/a>, Bristows LLP, London, United Kingdom.<\/li>\n
  5. BIS (2016), Big data: The hunt for timely insights and decision certainty<\/em><\/li>\n
  6. Chris O’Connor<\/a> (2017), What blockchain means for you, and the Internet of Things.<\/em>retrieved on May 6th<\/sup> 2017, from<https:\/\/www.ibm.com\/blogs\/internet-of-things\/watson-iot-blockchain\/<\/a><\/li>\n
  7. Central banking (2016), Big data in central banking: 2016 survey<\/em>, retrieved on May 7th<\/sup> 2017, from<http:\/\/www.centralbanking.com\/central-banking-journal\/feature\/2474825\/big-data-in-central-banking-2016-survey<\/a>><\/li>\n
  8. McKinsey Global Institute (2013), Disruptive technologies: Advances that will transform life, business, and the global economy<\/em>.<\/li>\n<\/ol>\n

    [1]<\/a> IoT l\u00e0 m\u1ed1i quan h\u1ec7 gi\u1eefa v\u1ea1n v\u1eadt (c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, \u0111\u1ecba \u0111i\u1ec3m, v.v\u2026) v\u00e0 con ng\u01b0\u1eddi th\u00f4ng qua c\u00e1c c\u00f4ng ngh\u1ec7 k\u1ebft n\u1ed1i v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng kh\u00e1c nhau. N\u00f3i c\u00e1ch kh\u00e1c IoT ch\u00ednh l\u00e0 s\u1ef1 k\u1ebft n\u1ed1i c\u00e1c qui tr\u00ecnh s\u1ea3n xu\u1ea5t v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 s\u1ea3n xu\u1ea5t (con ng\u01b0\u1eddi, m\u00e1y m\u00f3c, nguy\u00ean nhi\u00ean v\u1eadt li\u1ec7u) trong m\u00f4i tr\u01b0\u1eddng Internet v\u00e0 c\u00f4ng ngh\u1ec7 cao.<\/p>\n

    [2]<\/a> C\u00e1c s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh th\u00f4ng qua m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1edfi h\u1ed9i \u0111\u1ed3ng ngh\u1ecb s\u1ef1 to\u00e0n c\u1ea7u c\u1ee7a Di\u1ec5n \u0111\u00e0n Kinh t\u1ebf th\u1ebf gi\u1edbi, trong \u0111\u00f3 c\u00f3 h\u01a1n 800 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 chuy\u00ean gia t\u1eeb c\u00e1c l\u0129nh v\u1ef1c th\u00f4ng tin v\u00e0 c\u00f4ng ngh\u1ec7 truy\u1ec1n th\u00f4ng tham gia.<\/p>\n

    ThS. Nguy\u1ec5n Th\u1ecb Minh H\u1eb1ng<\/strong><\/p>\n

    Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    Ch\u00fang ta \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc th\u1ec1m c\u1ee7a m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 – m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng s\u1ebd l\u00e0m thay \u0111\u1ed5i v\u1ec1 c\u01a1 b\u1ea3n c\u00e1ch ch\u00fang ta s\u1ed1ng, l\u00e0m vi\u1ec7c v\u00e0 li\u00ean h\u1ec7 v\u1edbi nhau. Cu\u1ed9c c\u00e1ch m\u1ea1ng n\u00e0y s\u1ebd kh\u00f4ng gi\u1ed1ng nh\u01b0 b\u1ea5t k\u1ef3 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng n\u00e0o tr\u01b0\u1edbc \u0111\u00f3 c\u1ea3 v\u1ec1 …<\/p>\n","protected":false},"author":3,"featured_media":1902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[50],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1913"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=1913"}],"version-history":[{"count":3,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1913\/revisions"}],"predecessor-version":[{"id":1916,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1913\/revisions\/1916"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/1902"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=1913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=1913"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=1913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}