{"id":1993,"date":"2017-12-19T16:18:05","date_gmt":"2017-12-19T09:18:05","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=1993"},"modified":"2017-12-19T16:42:00","modified_gmt":"2017-12-19T09:42:00","slug":"bo-sung-nen-tang-phap-ly-cho-phat-trien-ngan-hang-so","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/bo-sung-nen-tang-phap-ly-cho-phat-trien-ngan-hang-so\/","title":{"rendered":"B\u1ed5 sung n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd cho ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1"},"content":{"rendered":"

\u0110\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ed5i m\u1edbi c\u00e1c d\u1ecbch v\u1ee5, \u0111i \u0111\u00f4i v\u1edbi \u0111\u1ea3m b\u1ea3o an ninh, b\u1ea3o m\u1eadt, ngo\u00e0i vi\u1ec7c \u0111\u1ea7u t\u01b0 h\u1ea1 t\u1ea7ng th\u00ec \u0111\u00f2i h\u1ecfi c\u00f3 n\u1ec1n t\u1ea3ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd m\u1edbi cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1.<\/strong><\/p>\n

S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111em \u0111\u1ebfn nhi\u1ec1u c\u01a1 h\u1ed9i cho ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1, thanh to\u00e1n s\u1ed1 trong t\u01b0\u01a1ng lai. Tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ed5i m\u1edbi c\u00e1c d\u1ecbch v\u1ee5, \u0111i \u0111\u00f4i v\u1edbi \u0111\u1ea3m b\u1ea3o an ninh, b\u1ea3o m\u1eadt, ngo\u00e0i vi\u1ec7c \u0111\u1ea7u t\u01b0 h\u1ea1 t\u1ea7ng th\u00ec \u0111\u00f2i h\u1ecfi c\u00f3 n\u1ec1n t\u1ea3ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd m\u1edbi cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1. \u0110\u00e2y l\u00e0 \u00fd ki\u1ebfn \u0111\u01b0\u1ee3c nhi\u1ec1u chuy\u00ean gia v\u00e0 l\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0a ra t\u1ea1i h\u1ed9i th\u1ea3o \u201cH\u00e0nh lang ph\u00e1p l\u00fd cho ng\u00e2n h\u00e0ng s\u1ed1 t\u1ea1i Vi\u1ec7t Nam\u201d do\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0<\/a>t\u1ed5 ch\u1ee9c ng\u00e0y 19\/12 t\u1ea1i H\u00e0 N\u1ed9i.<\/p>\n

M\u1eb7c d\u00f9 \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1eeb n\u0103m 2010 nh\u01b0ng ng\u00e2n h\u00e0ng s\u1ed1 v\u1eabn l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m kh\u00e1 m\u1edbi m\u1ebb t\u1ea1i Vi\u1ec7t Nam trong th\u1eddi gian g\u1ea7n \u0111\u00e2y. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n ch\u00f3ng m\u1eb7t c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin v\u00e0 l\u00e0n s\u00f3ng s\u1ed1 h\u00f3a ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, ng\u00e2n h\u00e0ng s\u1ed1 c\u00f3 nhi\u1ec1u ti\u1ec1m n\u0103ng s\u1ebd tr\u1edf th\u00e0nh m\u00f4 h\u00ecnh kinh doanh ch\u1ee7 \u0111\u1ea1o c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam trong t\u01b0\u01a1ng lai.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a C\u00f4ng ty We are Social, th\u1eddi \u0111i\u1ec3m th\u00e1ng 1\/2016, Vi\u1ec7t Nam c\u00f3 h\u01a1n 47 tri\u1ec7u ng\u01b0\u1eddi s\u1eed d\u1ee5ng internet, c\u00f3 35 tri\u1ec7u ng\u01b0\u1eddi s\u1eed d\u1ee5ng m\u1ea1ng x\u00e3 h\u1ed9i; trong \u0111\u00f3, c\u00f3 39 tri\u1ec7u ng\u01b0\u1eddi s\u1eed d\u1ee5ng mobile, v\u1edbi kho\u1ea3ng 143 tri\u1ec7u \u0111i\u1ec7n tho\u1ea1i; c\u00f3 t\u1edbi 78% ng\u01b0\u1eddi s\u1eed d\u1ee5ng internet th\u01b0\u1eddng ng\u00e0y.<\/p>\n

C\u0169ng theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi, n\u0103m 2015 t\u1ea1i Vi\u1ec7t Nam, t\u1ef7 l\u1ec7 s\u1ed1 \u0111\u0103ng k\u00fd s\u1eed d\u1ee5ng internet tr\u00ean 100 d\u00e2n l\u00e0 48,3%, t\u1ef7 l\u1ec7 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i tr\u00ean d\u00e2n l\u00e0 147%. T\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 nh\u01b0 mobile, internet banking chi\u1ebfm kho\u1ea3ng 44%.<\/p>\n

Theo \u00f4ng Ph\u1ea1m Ti\u1ebfn D\u0169ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n \u2013 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, Vi\u1ec7t Nam c\u00f3 ti\u1ec1m n\u0103ng to l\u1edbn ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1, nh\u01b0ng \u0111\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t, r\u1ea5t m\u1edbi so v\u1edbi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng t\u1eeb ph\u01b0\u01a1ng th\u1ee9c thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m, ch\u00ednh s\u00e1ch, quy tr\u00ecnh s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng\u2026 Ch\u00ednh v\u00ec v\u1eady, n\u1ec1n t\u1ea3ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1 s\u1ebd r\u1ea5t quan tr\u1ecdng.<\/p>\n

\u201cC\u1ea7n ph\u1ea3i nghi\u00ean c\u1ee9u s\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan cho ph\u00f9 h\u1ee3p. V\u1ec1 d\u00e0i h\u1ea1n, c\u1ea7n nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh Lu\u1eadt v\u1ec1 H\u1ec7 th\u1ed1ng thanh to\u00e1n; trong \u0111\u00f3 quy \u0111\u1ecbnh \u0111\u1ed3ng b\u1ed9, h\u1ec7 th\u1ed1ng v\u1ec1 c\u1ea5p ph\u00e9p qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t \u0111\u1ed1i v\u1edbi nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n, c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, b\u1ea3o v\u1ec7 ri\u00eang t\u01b0 d\u1eef li\u1ec7u… Thanh to\u00e1n s\u1ed1 ch\u00ednh l\u00e0 c\u1eeda ng\u00f5 \u0111\u1ec3 \u0111\u1ebfn v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 c\u0169ng l\u00e0 m\u1ecf neo \u0111\u1ec3 gi\u1eef m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng\u201d, \u00f4ng D\u0169ng n\u00f3i.<\/p>\n

Chia s\u1ebb \u1edf g\u00f3c \u0111\u1ed9 ng\u00e2n h\u00e0ng, Ths. Ph\u1ea1m Anh Tu\u1ea5n, th\u00e0nh vi\u00ean H\u0110QT Ng\u00e2n h\u00e0ng Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam\u00a0(Vietcombank<\/a>) c\u0169ng cho r\u1eb1ng, thanh to\u00e1n s\u1ed1 th\u00ec v\u1ea5n \u0111\u1ec1 b\u1ea3o m\u1eadt \u0111\u1eb7t ra ph\u1ea3i x\u1eed l\u00fd nh\u01b0 th\u1ebf n\u00e0o. N\u1ebfu c\u00f3 r\u1ee7i ro th\u00ec ai ch\u1ecbu, c\u00e1c c\u01a1 quan c\u00f4ng quy\u1ec1n khi v\u00e0o vi\u1ec7c c\u1ee5 th\u1ec3 th\u00ec s\u1ebd nh\u00ecn nh\u1eadn r\u1ee7i ro nh\u01b0 th\u1ebf n\u00e0o\u2026 Hay, v\u1ec1 x\u00e1c th\u1ef1c th\u00f4ng tin kh\u00e1ch h\u00e0ng th\u00ec hi\u1ec7n \u0111\u00f2i h\u1ecfi kh\u00e1 nhi\u1ec1u th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd, n\u00ean ch\u01b0a th\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u0169ng nh\u01b0 t\u1ef1 \u0111\u1ed9ng h\u00f3a.<\/p>\n

\"IMG_4533\"<\/a><\/p>\n

To\u00e0n c\u1ea3nh phi\u00ean th\u1ea3o lu\u1eadn 1 c\u1ee7a H\u1ed9i th\u1ea3o<\/em><\/p>\n

Th\u1ee9 hai l\u00e0 th\u00e1ch th\u1ee9c v\u1ec1 t\u00ednh an to\u00e0n, ho\u1ea1t \u0111\u1ed9ng tr\u1ef1c tuy\u1ebfn k\u1ebft n\u1ed1i m\u1ecdi n\u01a1i m\u1ecdi l\u00fac, nh\u01b0ng d\u1eef li\u1ec7u th\u00ec ho\u00e0n to\u00e0n c\u00f3 nguy c\u01a1 b\u1ecb l\u1ed9, \u0111\u00e1nh c\u1eafp, b\u1ecb t\u1ea5n c\u00f4ng\u2026 B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 qu\u1ea3n l\u00fd v\u0103n b\u1ea3n \u0111i\u1ec7n t\u1eed v\u00e0 v\u0103n b\u1ea3n gi\u1ea5y v\u1eabn ch\u01b0a \u0111\u1ed3ng b\u1ed9, ch\u01b0a r\u00f5 r\u00e0ng; qu\u1ea3n l\u00fd c\u00f2n l\u1ecfng l\u1ebbo, n\u00ean ti\u1ec1m \u1ea9n nhi\u1ec1u nguy c\u01a1 r\u1ee7i ro. \u0110\u01a1n c\u1eed nh\u01b0 vi\u1ec7c x\u00e1c th\u1ef1c ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua ch\u1eef k\u00fd s\u1ed1, nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng v\u1eabn g\u1eb7p kh\u00f3 khi th\u1ef1c hi\u1ec7n.<\/p>\n

C\u0169ng theo \u0111\u1ea1i di\u1ec7n B\u1ed9 C\u00f4ng an, hi\u1ec7n \u0111\u01a1n v\u1ecb n\u00e0y \u0111ang x\u00e2y d\u1ef1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u d\u00e2n c\u01b0, l\u00e0 ch\u00eca kh\u00f3a k\u1ebft n\u1ed1i \u0111\u1ecbnh danh d\u00e2n c\u01b0 v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng kh\u00e1c nh\u01b0 ng\u00e2n h\u00e0ng, y t\u1ebf\u2026 \u0111\u1ec3 gi\u1ea3m thi\u1ec3u c\u00e1c th\u1ee7 t\u1ee5c khai b\u00e1o, gi\u1ea5y t\u1edd\u2026 Song hi\u1ec7n c\u00f2n thi\u1ebfu c\u01a1 s\u1edf h\u00e0nh lang ph\u00e1p l\u00fd cho vi\u1ec7c th\u1ef1c hi\u1ec7n khai th\u00e1c th\u00f4ng tin, \u0111\u1ecbnh danh d\u00e2n c\u01b0\u2026<\/p>\n

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n Kim Anh, c\u1ea7n ph\u1ea3i ch\u1ec9 r\u00f5 nh\u1eefng kho\u1ea3ng tr\u1ed1ng v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd cho vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 t\u1ea1i Vi\u1ec7t Nam nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ea3o m\u1eadt, b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n; ph\u00f2ng ch\u1ed1ng gian l\u1eadn trong kinh doanh. Trong \u0111\u00f3, ch\u00fa \u00fd \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 v\u1ec1 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng tr\u00ean n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1; t\u00ednh ph\u00e1p l\u00fd c\u1ee7a v\u0103n b\u1ea3n s\u1ed1 v\u00e0 ch\u1eef k\u00fd s\u1ed1 trong th\u1eddi \u0111\u1ea1i ng\u00e2n h\u00e0ng s\u1ed1; gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/p>\n

Ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 xu h\u01b0\u1edbng ch\u1ee7 \u0111\u1ea1o hi\u1ec7n nay, gi\u00fap ng\u00e2n h\u00e0ng \u0111a d\u1ea1ng v\u00e0 t\u1ed1i \u01b0u c\u00e1c d\u1ecbch v\u1ee5, gi\u1ea3m chi ph\u00ed, t\u0103ng kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u1ef1c t\u1ebf cho th\u1ea5y, ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 \u1edf Vi\u1ec7t Nam \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u, Vi\u1ec7t Nam c\u00f3 nhi\u1ec1u ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1, thanh to\u00e1n s\u1ed1. B\u00ean c\u1ea1nh \u0111\u00f3, h\u00e0nh lang ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh c\u00f2n nhi\u1ec1u quy \u0111\u1ecbnh ch\u01b0a t\u01b0\u01a1ng th\u00edch v\u1edbi b\u1ed1i c\u1ea3nh s\u1ed1 h\u00f3a d\u1ecbch v\u1ee5, ch\u01b0a th\u1ef1c s\u1ef1 th\u00fac \u0111\u1ea9y cho s\u1ef1 ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1, thanh to\u00e1n s\u1ed1.<\/p>\n

B\u1edfi v\u1eady, vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ef1 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 thanh to\u00e1n trong k\u1ef7 nguy\u00ean s\u1ed1 l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.\/.<\/p>\n

Theo \u0110\u1ee9c D\u0169ng\/BNEWS\/TTXVN<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ed5i m\u1edbi c\u00e1c d\u1ecbch v\u1ee5, \u0111i \u0111\u00f4i v\u1edbi \u0111\u1ea3m b\u1ea3o an ninh, b\u1ea3o m\u1eadt, ngo\u00e0i vi\u1ec7c \u0111\u1ea7u t\u01b0 h\u1ea1 t\u1ea7ng th\u00ec \u0111\u00f2i h\u1ecfi c\u00f3 n\u1ec1n t\u1ea3ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd m\u1edbi cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1. S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111em \u0111\u1ebfn nhi\u1ec1u …<\/p>\n","protected":false},"author":3,"featured_media":1996,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,40,39],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1993"}],"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=1993"}],"version-history":[{"count":3,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1993\/revisions"}],"predecessor-version":[{"id":1998,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1993\/revisions\/1998"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/1996"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=1993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=1993"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=1993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}