{"id":2703,"date":"2020-09-29T14:09:22","date_gmt":"2020-09-29T07:09:22","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=2703"},"modified":"2020-10-19T17:12:41","modified_gmt":"2020-10-19T10:12:41","slug":"quan-ly-du-lieu-thong-minh-vai-tro-tien-phong-trong-hanh-trinh-so-hoa-ngan-hang","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/quan-ly-du-lieu-thong-minh-vai-tro-tien-phong-trong-hanh-trinh-so-hoa-ngan-hang\/","title":{"rendered":"Qu\u1ea3n l\u00fd d\u1eef li\u1ec7u th\u00f4ng minh: Vai tr\u00f2 ti\u00ean phong trong h\u00e0nh tr\u00ecnh s\u1ed1 ho\u00e1 ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Ng\u00e0y 29\/9\/2020, t\u1ea1i H\u00e0 N\u1ed9i, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (NHNN) ph\u1ed1i h\u1ee3p v\u1edbi H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c h\u1ed9i th\u1ea3o khoa h\u1ecdc v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cQu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u th\u00f4ng minh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh\u201d (iDMBF 2020). PGS.TS Nguy\u1ec5n Kim Anh, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN d\u1ef1 v\u00e0 ch\u1ee7 tr\u00ec h\u1ed9i th\u1ea3o. H\u1ed9i th\u1ea3o c\u00f2n c\u00f3 s\u1ef1 tham d\u1ef1 c\u1ee7a l\u00e3nh \u0111\u1ea1o c\u00e1c c\u01a1 quan b\u1ed9, ng\u00e0nh, l\u00e3nh \u0111\u1ea1o NHNN, c\u00e1c V\u1ee5, C\u1ee5c tr\u1ef1c thu\u1ed9c NHNN, \u0111\u1ea1i di\u1ec7n c\u00e1c NHTM, c\u00f4ng ty c\u00f4ng ngh\u1ec7, c\u00f9ng \u0111\u00f4ng \u0111\u1ea3o chuy\u00ean gia, nh\u00e0 khoa h\u1ecdc. <\/em><\/p>\n

V\u1ea5n \u0111\u1ec1 s\u1ed1ng c\u00f2n<\/strong><\/p>\n

Ng\u00e0y nay, d\u1eef li\u1ec7u tr\u1edf th\u00e0nh t\u00e0i s\u1ea3n chi\u1ebfn l\u01b0\u1ee3c v\u00e0 qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u l\u00e0 y\u00eau c\u1ea7u c\u1ea5p thi\u1ebft \u0111\u1ed1i v\u1edbi m\u1ecdi t\u1ed5 ch\u1ee9c trong n\u1ec1n kinh t\u1ebf. \u0110\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng – T\u00e0i ch\u00ednh, m\u1ed9t trong nh\u1eefng ng\u00e0nh s\u1edf h\u1eefu kh\u1ed1i l\u01b0\u1ee3ng d\u1eef li\u1ec7u l\u1edbn, c\u0169ng l\u00e0 ng\u00e0nh \u0111i \u0111\u1ea7u trong h\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng theo xu h\u01b0\u1edbng s\u1ed1 th\u00ec qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u tr\u1edf th\u00e0nh v\u1ea5n \u0111\u1ec1 s\u1ed1ng c\u00f2n. D\u1eef li\u1ec7u \u0111\u01b0\u1ee3c t\u1eadn d\u1ee5ng tri\u1ec7t \u0111\u1ec3 nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a h\u00e0nh tr\u00ecnh v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng tr\u00ean c\u00e1c \u0111i\u1ec3m ti\u1ebfp x\u00fac s\u1ed1 c\u0169ng nh\u01b0 t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, qu\u1ea3n tr\u1ecb n\u1ed9i b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0 ch\u00ednh s\u00e1ch ph\u00e1t tri\u1ec3n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho m\u1ecdi l\u0129nh v\u1ef1c ng\u00e0nh ngh\u1ec1 trong n\u1ec1n kinh t\u1ebf c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng tr\u01b0\u1edbc nh\u1eefng t\u00e1c \u0111\u1ed9ng to l\u1edbn c\u1ee7a C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0.<\/p>\n

G\u1ea7n \u0111\u00e2y nh\u1ea5t, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ch\u01b0\u01a1ng tr\u00ecnh h\u00e0nh \u0111\u1ed9ng c\u1ee7a Ch\u00ednh ph\u1ee7 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch ch\u1ee7 \u0111\u1ed9ng tham gia cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 (Ngh\u1ecb quy\u1ebft 50\/NQ-CP ng\u00e0y 17\/4\/2020 c\u1ee7a Ch\u00ednh ph\u1ee7 th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft 52-NQ\/TW ng\u00e0y 27\/9\/2019 c\u1ee7a B\u1ed9 Ch\u00ednh tr\u1ecb). Trong \u0111\u00f3, \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 \u0111\u1eb7t ra m\u1ee5c ti\u00eau \u201ct\u1eadn d\u1ee5ng c\u00f3 hi\u1ec7u qu\u1ea3 c\u00e1c c\u01a1 h\u1ed9i do cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 \u0111em l\u1ea1i \u0111\u1ec3 th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng, c\u01a1 c\u1ea5u t\u1ea1i n\u1ec1n kinh t\u1ebf g\u1eafn v\u1edbi th\u1ef1c hi\u1ec7n c\u00e1c \u0111\u1ed9t ph\u00e1 chi\u1ebfn l\u01b0\u1ee3c v\u00e0 hi\u1ec7n \u0111\u1ea1i h\u00f3a \u0111\u1ea5t n\u01b0\u1edbc. \u0110\u1eb7c bi\u1ec7t, Ngh\u1ecb quy\u1ebft x\u00e1c \u0111\u1ecbnh m\u1ed9t trong c\u00e1c nhi\u1ec7m v\u1ee5 l\u00e0 \u201ct\u1eadp trung ph\u00e1t tri\u1ec3n c\u00e1c ng\u00e0nh \u01b0u ti\u00ean c\u00f3 m\u1ee9c \u0111\u1ed9 s\u1eb5n s\u00e0ng cao, trong \u0111\u00f3 bao g\u1ed3m l\u0129nh v\u1ef1c T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng\u201d.<\/p>\n

\"1\"<\/a><\/p>\n

PGS.TS Nguy\u1ec5n Kim Anh, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/strong><\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i h\u1ed9i th\u1ea3o, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh cho bi\u1ebft, th\u1eddi gian qua, ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u00e3 lu\u00f4n ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u1ee9ng d\u1ee5ng s\u1ee9c m\u1ea1nh c\u1ee7a d\u1eef li\u1ec7u trong c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, t\u1ea1o \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

Theo kh\u1ea3o s\u00e1t th\u00e1ng 9\/2020 c\u1ee7a NHNN, 50% c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 x\u00e2y d\u1ef1ng kho d\u1eef li\u1ec7u t\u1eadp trung (Data warehouse), 27% \u0111\u00e3 x\u00e2y d\u1ef1ng c\u00e1c h\u1ed3 d\u1eef li\u1ec7u (Data lake) \u0111\u1ec3 thu th\u1eadp d\u1eef li\u1ec7u th\u00f4 \u0111\u1ebfn t\u1eeb c\u00e1c \u0111i\u1ec3m ti\u1ebfp x\u00fac s\u1ed1, kho\u1ea3ng 50% c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u1ee9ng d\u1ee5ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh v\u1eadn h\u00e0nh, t\u0103ng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, qu\u1ea3n tr\u1ecb r\u1ee7i ro,…<\/p>\n

\u201cC\u00f3 th\u1ec3 nh\u1eadn th\u1ea5y v\u1edbi vai tr\u00f2 d\u1eef li\u1ec7u quan tr\u1ecdng nh\u01b0 v\u1eady, trong th\u1eddi \u0111\u1ea1i ng\u00e0y nay, \u01b0u th\u1ebf s\u1ebd thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi l\u00e0m ch\u1ee7 c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u th\u00f4ng qua vi\u1ec7c qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng ch\u00fang m\u1ed9t c\u00e1ch th\u00f4ng minh tr\u00ean c\u01a1 s\u1edf \u1ee9ng d\u1ee5ng c\u00e1c th\u00e0nh t\u1ef1u khoa h\u1ecdc c\u00f4ng ngh\u1ec7 m\u1edbi\u201d, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c nh\u1ea5n m\u1ea1nh.<\/p>\n

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c, \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u00e1t huy \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf c\u1ee7a m\u00ecnh trong vi\u1ec7c s\u1edf h\u1eefu kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn v\u1ec1 d\u1eef li\u1ec7u, gi\u1eef vai tr\u00f2 ti\u00ean phong trong h\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng theo xu h\u01b0\u1edbng s\u1ed1, qu\u1ea3n l\u00fd d\u1eef li\u1ec7u th\u00f4ng minh trong l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng – T\u00e0i ch\u00ednh \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t y\u00eau c\u1ea7u c\u1ea5p thi\u1ebft, thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd, nh\u00e0 khoa h\u1ecdc, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u1edbn (Bigtech).<\/p>\n

Ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd v\u1ec1 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u<\/strong><\/p>\n

T\u1ea1i H\u1ed9i th\u1ea3o, c\u00e1c di\u1ec5n gi\u1ea3 \u0111\u1ec1u \u0111\u1ed3ng quan \u0111i\u1ec3m, ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd d\u1eef li\u1ec7u trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng tr\u00ean c\u01a1 s\u1edf k\u1ebft h\u1ee3p hi\u1ec7u qu\u1ea3 v\u1edbi c\u00e1c c\u00f4ng ngh\u1ec7 ch\u1ee7 ch\u1ed1t c\u1ee7a C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0 (Big Data, Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o – AI, H\u1ecdc m\u00e1y – Machine Learning, Ph\u00e2n t\u00edch d\u1eef li\u1ec7u – Data Analytics\u2026) s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1o ra tr\u1ea3i nghi\u1ec7m t\u1ed1t h\u01a1n cho kh\u00e1ch h\u00e0ng, t\u1ed1i \u01b0u h\u00f3a ti\u1ec1m n\u0103ng, gi\u1ea3m thi\u1ec3u chi ph\u00ed, \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh hi\u1ec7u qu\u1ea3, n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng,\u2026 th\u00f4ng qua vi\u1ec7c c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng c\u00e1c m\u00f4 h\u00ecnh l\u01b0\u1ee3ng h\u00f3a r\u1ee7i ro; nhanh ch\u00f3ng ph\u00e1t hi\u1ec7n c\u00e1c d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng, gi\u00fap c\u00f4ng t\u00e1c ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 v\u00e0 ki\u1ec3m tra gi\u00e1m s\u00e1t tu\u00e2n th\u1ee7 hi\u1ec7u qu\u1ea3 h\u01a1n; hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng; ph\u00e1t tri\u1ec3n c\u00e1c m\u00f4 h\u00ecnh d\u1ef1 b\u00e1o theo th\u1eddi gian th\u1ef1c, \u0111\u00e1p \u1ee9ng t\u1ee9c th\u00ec nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng; c\u00e1 nh\u00e2n h\u00f3a giao ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng, gia t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng.<\/p>\n

\"2\"<\/a><\/p>\n

To\u00e0n c\u1ea3nh H\u1ed9i th\u1ea3o<\/em><\/strong><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, m\u1ed9t s\u1ed1 NHTM b\u1eaft \u0111\u1ea7u ch\u00fa \u00fd t\u1edbi vi\u1ec7c qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u t\u1eeb tr\u01b0\u1edbc n\u0103m 2010. Theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n PwC Vi\u1ec7t Nam v\u00e0o cu\u1ed1i n\u0103m 2019 v\u1edbi 33 \u0111\u1ea1i di\u1ec7n l\u00e3nh \u0111\u1ea1o NHTM t\u1ea1i Vi\u1ec7t Nam, 88% c\u00e2u tr\u1ea3 l\u1eddi \u0111\u1ed3ng \u00fd r\u1eb1ng qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u l\u00e0 n\u1ec1n t\u1ea3ng c\u01a1 s\u1edf \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh th\u00f4ng qua ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch n\u00e2ng cao.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, c\u00e1c di\u1ec5n gi\u1ea3 nh\u1eadn th\u1ea5y nh\u00ecn chung ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a l\u1ed9 tr\u00ecnh tri\u1ec3n khai qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u to\u00e0n ng\u00e2n h\u00e0ng. H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec3u gi\u00e1 tr\u1ecb c\u1ee7a d\u1eef li\u1ec7u, tuy nhi\u00ean vi\u1ec7c coi d\u1eef li\u1ec7u l\u00e0 \u201ct\u00e0i s\u1ea3n chi\u1ebfn l\u01b0\u1ee3c\u201d c\u0169ng ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh r\u00f5 n\u00e9t, d\u1eabn \u0111\u1ebfn ch\u01b0a h\u00ecnh th\u00e0nh \u0111\u01b0\u1ee3c v\u0103n h\u00f3a s\u1eed d\u1ee5ng d\u1eef li\u1ec7u trong ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n

Theo b\u00e1o c\u00e1o c\u1ee7a PwC (2016), 69% c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh kh\u00f4ng c\u00f3 quy tr\u00ecnh c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c s\u1eed d\u1ee5ng h\u1ebft th\u00f4ng tin. C\u00e1c d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng ph\u1ea7n l\u1edbn v\u1eabn c\u00f2n \u1edf t\u00ecnh tr\u1ea1ng ph\u00e2n t\u00e1n, l\u01b0\u1ee3ng th\u00f4ng tin r\u00e1c kh\u00e1 l\u1edbn, ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u v\u1eabn c\u00f2n ch\u01b0a cao; m\u00f4 h\u00ecnh t\u1ed5 ch\u1ee9c, hi\u1ec7n t\u1ea1i ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ch\u01b0a c\u00f3 m\u1ed9t \u0111\u01a1n v\u1ecb \u0111\u1ed9c l\u1eadp, chuy\u00ean tr\u00e1ch qu\u1ea3n tr\u1ecb v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u\u2026<\/p>\n

Kh\u1ea3o s\u00e1t c\u1ee7a PwC n\u0103m 2019 c\u0169ng cho th\u1ea5y, ch\u01b0a \u0111\u1ebfn m\u1ed9t n\u1eeda s\u1ed1 NHTM c\u00f3 ch\u00ednh s\u00e1ch v\u00e0 quy tr\u00ecnh qu\u1ea3n l\u00fd d\u1eef li\u1ec7u to\u00e0n h\u00e0ng hay quy \u0111\u1ecbnh vai tr\u00f2 c\u1ee7a c\u00e1c b\u00ean c\u00f3 li\u00ean quan \u0111\u1ebfn d\u1eef li\u1ec7u. H\u01a1n 66% trong s\u1ed1 33 l\u00e3nh \u0111\u1ea1o c\u1ee7a c\u00e1c NHTM cho bi\u1ebft quy \u0111\u1ecbnh c\u00e1c ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 \u0111\u1ec3 \u0111o l\u01b0\u1eddng ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u ch\u01b0a \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh. Ch\u1ec9 18% NHTM \u0111\u00e3 x\u00e2y d\u1ef1ng ki\u1ebfn tr\u00fac c\u00f4ng ngh\u1ec7 (n\u1ec1n t\u1ea3ng, c\u00f4ng c\u1ee5\u2026) \u0111\u1ec3 h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u to\u00e0n h\u00e0ng.<\/p>\n

Chia s\u1ebb th\u00eam t\u1ea1i H\u1ed9i th\u1ea3o, TS. C\u1ea5n V\u0103n L\u1ef1c, Kinh t\u1ebf tr\u01b0\u1edfng, Gi\u00e1m \u0111\u1ed1c Vi\u1ec7n \u0110\u00e0o t\u1ea1o v\u00e0 Nghi\u00ean c\u1ee9u BIDV cho bi\u1ebft, m\u1ed9t trong nh\u1eefng l\u00fd do ch\u00ednh l\u00e0 m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd thay \u0111\u1ed5i t\u01b0\u01a1ng \u0111\u1ed1i nhanh nh\u01b0 y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng; quy \u0111\u1ecbnh v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi nh\u01b0 eKYC, P2P; ph\u00e1t tri\u1ec3n ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1\u2026<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, quy m\u00f4 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u ch\u01b0a \u0111\u1ee7 l\u1edbn\/t\u1ed1t; \u0111\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o am hi\u1ec3u v\u1ec1 d\u1eef li\u1ec7u v\u00e0 ngh\u1ec7 thu\u1eadt kinh doanh; thay \u0111\u1ed5i t\u01b0 duy kinh doanh theo h\u01b0\u1edbng quy\u1ebft \u0111\u1ecbnh, ho\u1ea1t \u0111\u1ed9ng tr\u00ean c\u01a1 s\u1edf th\u00f4ng tin, d\u1eef li\u1ec7u c\u0169ng l\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c trong khai th\u00e1c d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c TS. C\u1ea5n V\u0103n L\u1ef1c \u0111\u1ec1 c\u1eadp t\u1edbi.<\/p>\n

\"3\"<\/a><\/p>\n

\u00d4ng C\u1ea5n V\u0103n L\u1ef1c, Kinh t\u1ebf tr\u01b0\u1edfng, Gi\u00e1m \u0111\u1ed1c Vi\u1ec7n \u0110\u00e0o t\u1ea1o v\u00e0 Nghi\u00ean c\u1ee9u BIDV<\/em><\/strong><\/p>\n

chia s\u1ebb t\u1ea1i H\u1ed9i th\u1ea3o<\/em><\/strong><\/p>\n

Li\u00ean quan t\u1edbi Ng\u00e2n h\u00e0ng m\u1edf, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, \u00f4ng L\u00ea Anh D\u0169ng, c\u0169ng n\u00eau l\u00ean ki\u1ebfn ngh\u1ecb, \u0111\u1ec1 xu\u1ea5t v\u1edbi ph\u00eda Ch\u00ednh ph\u1ee7 c\u1ea7n nghi\u00ean c\u1ee9u, xem x\u00e9t tr\u00ecnh ban h\u00e0nh Lu\u1eadt v\u1ec1 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng, lu\u1eadt v\u1ec1 b\u1ea3o v\u1ec7 quy\u1ec1n ri\u00eang t\u01b0 d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng nh\u1eb1m t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, \u0111\u1ed3ng b\u1ed9 v\u1ec1 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u to\u00e0n n\u1ec1n kinh t\u1ebf, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, qua \u0111\u00f3 th\u00fac \u0111\u1ea9y ng\u00e2n h\u00e0ng m\u1edf trong ng\u00e0nh t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. V\u1ec1 ph\u00eda NHNN c\u0169ng c\u1ea7n nghi\u00ean c\u1ee9u, \u0111\u1ec1 ra \u0111\u1ecbnh h\u01b0\u1edbng ng\u00e2n h\u00e0ng m\u1edf, x\u00e1c \u0111\u1ecbnh m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1edf ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n th\u1ef1c t\u1ebf Vi\u1ec7t Nam, tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 ban h\u00e0nh nh\u1eefng quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn ho\u1eb7c \u0111\u01b0a ra khuy\u1ebfn ngh\u1ecb th\u00edch h\u1ee3p.<\/p>\n

\"4\"<\/a><\/p>\n

\u00d4ng L\u00ea Anh D\u0169ng, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, NHNN ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i th\u1ea3o<\/em><\/strong><\/p>\n

Cho r\u1eb1ng ng\u00e0nh Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c c\u00f3 d\u1eef li\u1ec7u nhi\u1ec1u nh\u1ea5t v\u00e0 ngu\u1ed3n nh\u00e2n l\u1ef1c kh\u00e1 d\u1ed3i d\u00e0o, \u00f4ng \u0110\u1ed7 C\u00f4ng Anh, Ph\u00f3 C\u1ee5c tr\u01b0\u1edfng C\u1ee5c Tin h\u1ecdc ho\u00e1, B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng \u0111\u01b0a ra 5 khuy\u1ebfn ngh\u1ecb trong ph\u00e1t tri\u1ec3n d\u1eef li\u1ec7u ng\u00e0nh Ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, c\u1ea7n x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c d\u1eef li\u1ec7u ng\u00e0nh Ng\u00e2n h\u00e0ng; m\u1edf d\u1eef li\u1ec7u ng\u00e0nh Ng\u00e2n h\u00e0ng; cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 d\u1eef li\u1ec7u; k\u1ebft n\u1ed1i v\u1edbi C\u1ed5ng d\u1eef li\u1ec7u qu\u1ed1c gia; ki\u1ec3m tra, \u0111\u00e1nh gi\u00e1, duy tr\u00ec v\u00e0 qu\u1ea3n l\u00fd ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u.<\/p>\n

\"5\"<\/a><\/p>\n

\u00d4ng \u0110\u1ed7 C\u00f4ng Anh, Ph\u00f3 C\u1ee5c tr\u01b0\u1edfng C\u1ee5c Tin h\u1ecdc h\u00f3a, B\u1ed9 Th\u00f4ng tin v\u00e0 <\/em><\/strong><\/p>\n

Truy\u1ec1n th\u00f4ng tr\u00ecnh b\u00e0y t\u1ea1i H\u1ed9i th\u1ea3o<\/em><\/strong><\/p>\n

V\u1edbi ri\u00eang c\u00e1c NHTM trong qu\u1ea3n l\u00fd v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u th\u00f4ng minh, TS. C\u1ea5n V\u0103n L\u1ef1c chia s\u1ebb, c\u1ea7n quan t\u00e2m x\u00e2y d\u1ef1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u l\u1edbn v\u00e0 th\u00f4ng tin, thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng kho d\u1eef li\u1ec7u chuy\u00ean bi\u1ec7t; \u0111\u1ed3ng th\u1eddi x\u00e2y d\u1ef1ng t\u1ed5 ch\u1ee9c – b\u1ed9 m\u00e1y, chuy\u00ean gia c\u00f4ng ngh\u1ec7 th\u00f4ng tin v\u00e0 qu\u1ea3n l\u00fd, ph\u00e2n t\u00edch d\u1eef li\u1ec7u; ban h\u00e0nh ch\u00ednh s\u00e1ch, quy tr\u00ecnh qu\u1ea3n l\u00fd v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u. C\u00f9ng v\u1edbi \u0111\u00f3, ph\u00e2n c\u1ea5p qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng, khai th\u00e1c d\u1eef li\u1ec7u; t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng nh\u00e2n s\u1ef1 c\u00f4ng ngh\u1ec7 th\u00f4ng tin bao g\u1ed3m c\u1ea3 qu\u1ea3n l\u00fd r\u1ee7i ro c\u00f4ng ngh\u1ec7, an ninh m\u1ea1ng\u2026<\/p>\n

Quan \u0111i\u1ec3m c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3, nh\u00e0 khoa h\u1ecdc \u0111\u01b0a ra t\u1ea1i H\u1ed9i th\u1ea3o nh\u00ecn chung \u0111\u1ec1u \u0111\u1ed3ng thu\u1eadn cho r\u1eb1ng qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u th\u00f4ng minh c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp nh\u01b0 m\u1ed9t c\u1ea5u ph\u1ea7n quan tr\u1ecdng trong chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam trong th\u1eddi gian t\u1edbi. \u0110\u00e2y l\u00e0 th\u00e1ch th\u1ee9c r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 c\u1ea3 tr\u00ean th\u1ebf gi\u1edbi, nh\u01b0ng c\u0169ng l\u00e0 xu h\u01b0\u1edbng r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0 t\u1ea5t y\u1ebfu. K\u1ebft qu\u1ea3 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u s\u1ebd \u0111\u00f3ng g\u00f3p quan tr\u1ecdng cho s\u1ef1 ph\u00e1t tri\u1ec3n d\u00e0i h\u1ea1n c\u1ee7a b\u1ea3n th\u00e2n c\u00e1c NHTM c\u0169ng nh\u01b0 to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/p>\n

\"6\"<\/a><\/p>\n

Phi\u00ean th\u1ea3o lu\u1eadn b\u00e0n tr\u00f2n bu\u1ed5i s\u00e1ng t\u1ea1i H\u1ed9i th\u1ea3o<\/em><\/strong><\/p>\n

Sau phi\u00ean b\u00e1o c\u00e1o ch\u00ednh v\u00e0o bu\u1ed5i s\u00e1ng, H\u1ed9i th\u1ea3o \u0111\u00e3 ti\u1ebfp t\u1ee5c v\u1edbi 2 phi\u00ean th\u1ea3o lu\u1eadn chuy\u00ean \u0111\u1ec1 v\u00e0o chi\u1ec1u 29\/9 v\u1edbi nh\u1eefng chia s\u1ebb s\u00e2u h\u01a1n v\u1ec1 m\u1eb7t k\u1ef9 thu\u1eadt c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty Fintech v\u00e0 Bigtech trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 ch\u1ee7 ch\u1ed1t c\u1ee7a cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 v\u00e0o th\u1ef1c ti\u1ec5n qu\u1ea3n l\u00fd d\u1eef li\u1ec7u th\u00f4ng minh.<\/p>\n

\"7\"<\/a><\/em><\/strong><\/p>\n

 <\/p>\n

M\u1ed9t s\u1ed1 h\u00ecnh \u1ea3nh t\u1ea1i H\u1ed9i th\u1ea3o<\/strong><\/p>\n

\"8\"<\/a>\u00a0<\/strong><\/p>\n

Tin b\u00e0i: Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng<\/em><\/p>\n

\u1ea2nh: Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e0y 29\/9\/2020, t\u1ea1i H\u00e0 N\u1ed9i, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (NHNN) ph\u1ed1i h\u1ee3p v\u1edbi H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c h\u1ed9i th\u1ea3o khoa h\u1ecdc v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cQu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u th\u00f4ng minh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh\u201d (iDMBF 2020). PGS.TS Nguy\u1ec5n Kim Anh, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN d\u1ef1 v\u00e0 ch\u1ee7 tr\u00ec h\u1ed9i …<\/p>\n","protected":false},"author":3,"featured_media":2705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,72,40,39],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2703"}],"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=2703"}],"version-history":[{"count":2,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2703\/revisions"}],"predecessor-version":[{"id":2717,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2703\/revisions\/2717"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/2705"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=2703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=2703"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=2703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}