{"id":3860,"date":"2023-09-21T14:46:57","date_gmt":"2023-09-21T07:46:57","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=3860"},"modified":"2023-10-17T15:02:02","modified_gmt":"2023-10-17T08:02:02","slug":"hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-khoa-hoc-va-cong-nghe-cap-bo-nghien-cuu-su-tuong-tac-giua-he-thong-ngan-hang-va-cong-ty-fintech-trong-thi-truong-dich-vu-tai-chinh-kinh-nghiem-c","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-khoa-hoc-va-cong-nghe-cap-bo-nghien-cuu-su-tuong-tac-giua-he-thong-ngan-hang-va-cong-ty-fintech-trong-thi-truong-dich-vu-tai-chinh-kinh-nghiem-c\/","title":{"rendered":"H\u1ed9i th\u1ea3o ph\u1ed5 bi\u1ebfn k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cNghi\u00ean c\u1ee9u s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty Fintech trong th\u1ecb tr\u01b0\u1eddng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – kinh nghi\u1ec7m c\u00e1c n\u01b0\u1edbc v\u00e0 b\u00e0i h\u1ecdc cho Vi\u1ec7t Nam\u201d"},"content":{"rendered":"

S\u00e1ng <\/em>21\/09\/2023 t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN)<\/em>, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c <\/em>N<\/em>g\u00e2n h\u00e0ng<\/em> (CLNH) \u0111\u00e3 <\/em>t\u1ed5 ch\u1ee9c<\/em> H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 <\/em>nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cNghi\u00ean c\u1ee9u s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty Fintech trong th\u1ecb tr\u01b0\u1eddng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – kinh nghi\u1ec7m c\u00e1c n\u01b0\u1edbc v\u00e0 b\u00e0i h\u1ecdc cho Vi\u1ec7t Nam\u201d (m\u00e3 s\u1ed1 \u0110TNH.017\/20)<\/em> do<\/em> \u00a0ThS. Ph\u1ea1m Quang D\u0169ng – Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb Ng\u00e2n h\u00e0ng TMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) l\u00e0m ch\u1ee7 nhi\u1ec7m. <\/em><\/p>\n

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

Ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o, TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n CLNH cho bi\u1ebft, co\u0302ng ngh\u1eb9\u0302 ta\u0300i chi\u0301nh (Fintech) \u0111a\u0303 va\u0300 \u0111ang pha\u0301t tri\u00ea\u0309n ma\u0323nh me\u0303, tr\u01a1\u0309 tha\u0300nh m\u1ecd\u0302t xu th\u00ea\u0301 t\u00e2\u0301t y\u00ea\u0301u, nh\u1ea1\u0302n \u0111u\u031b\u01a1\u0323c nhi\u00ea\u0300u s\u01b0\u0323 quan ta\u0302m cu\u0309a \u0111o\u0302ng \u0111a\u0309o ca\u0301c doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p c\u0169ng nh\u01b0 c\u00e1c nh\u00e0 nha\u0300 \u0111\u00e2\u0300u tu\u031b. S\u01b0\u0323 xu\u00e2\u0301t hi\u1eb9\u0302n cu\u0309a Fintech \u0111a\u0303 la\u0300m thay \u0111\u00f4\u0309i cu\u0323c di\u1eb9\u0302n cu\u0309a nga\u0300nh co\u0302ng nghi\u1eb9\u0302p di\u0323ch vu\u0323 ta\u0300i chi\u0301nh. Nh\u01b0\u0303ng l\u01a1\u0323i th\u00ea\u0301 v\u00ea\u0300 t\u00f4\u0301c \u0111\u1ecd\u0302, s\u1ef1 \u0111o\u031bn gia\u0309n, hi\u1eb9\u0302u qua\u0309 \u0111a\u0303 cho phe\u0301p ca\u0301c Fintech chia se\u0309 v\u01a1\u0301i kha\u0301ch ha\u0300ng nhi\u00ea\u0300u ho\u031bn. \u0110\u1ed1i v\u1edbi l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, Fintech tham gia va\u0300o nhi\u00ea\u0300u hoa\u0323t \u0111\u1ecd\u0302ng nh\u01b0 cho vay, di\u0323ch vu\u0323 nga\u0302n ha\u0300ng, qua\u0309n tri\u0323 ru\u0309i ro, \u0111\u00ea\u0301n ca\u0301c giao di\u0323ch t\u00e2\u0300n su\u00e2\u0301t cao, d\u01b0\u0303 li\u1eb9\u0302u l\u01a1\u0301n. Ph\u00e2\u0300n l\u01a1\u0301n ca\u0301c khoa\u0309n \u0111\u00e2\u0300u tu\u031b na\u0300y t\u1ea1\u0302p trung va\u0300o pha\u0302n khu\u0301c kha\u0301ch ha\u0300ng ca\u0301 nha\u0302n va\u0300 doanh nghi\u1eb9\u0302p v\u01b0\u0300a va\u0300o nho\u0309 v\u01a1\u0301i hai li\u0303nh v\u01b0\u0323c n\u00f4\u0309i b\u1ea1\u0302t la\u0300 thanh toa\u0301n va\u0300 cho vay, nh\u01b0\u0303ng li\u0303nh v\u01b0\u0323c v\u00f4\u0301n la\u0300 th\u00ea\u0301 ma\u0323nh cu\u0309a nga\u0302n ha\u0300ng.<\/p>\n

\u201cKho\u0302ng th\u00ea\u0309 phu\u0309 nh\u1ea1\u0302n r\u0103\u0300ng Fintech \u0111a\u0303 va\u0300 \u0111ang d\u00e2\u0300n ta\u0323o ra nh\u01b0\u0303ng ta\u0301c \u0111\u1ecd\u0302ng r\u00e2\u0301t l\u01a1\u0301n t\u01a1\u0301i thi\u0323 tru\u031b\u01a1\u0300ng nga\u0302n ha\u0300ng va\u0300 xu hu\u031b\u01a1\u0301ng pha\u0301t tri\u00ea\u0309n nga\u0300nh ta\u0300i chi\u0301nh – nga\u0302n ha\u0300ng trong tu\u031bo\u031bng lai\u201d, TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n chia s\u1ebb.<\/p>\n

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TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n CLNH<\/em> ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o.<\/em><\/p>\n

\u0110\u1ea1i di\u1ec7n nh\u00f3m nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i, NGND.PGS.TS. Ki\u1ec1u H\u1eefu Thi\u1ec7n – Gi\u00e1m \u0111\u1ed1c Tr\u01b0\u1eddng \u0110\u00e0o t\u1ea1o v\u00e0 Ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c Vietcombank ph\u00e1t bi\u1ec3u chia s\u1ebb t\u1ea1i H\u1ed9i th\u1ea3o. Theo \u0111\u00f3, s\u01b0\u0323 pha\u0301t tri\u00ea\u0309n ma\u0323nh me\u0303 cu\u0309a li\u0303nh v\u01b0\u0323c Fintech trong th\u01a1\u0300i gian qua co\u0301 th\u00ea\u0309 mang la\u0323i nh\u01b0\u0303ng l\u01a1\u0323i i\u0301ch va\u0300 ru\u0309i ro, tha\u0301ch th\u01b0\u0301c \u0111\u00f4\u0301i v\u01a1\u0301i h\u1eb9\u0302 th\u00f4\u0301ng nga\u0302n ha\u0300ng. Fintech hi\u1eb9\u0302n \u0111ang co\u0301 a\u0309nh hu\u031b\u01a1\u0309ng t\u01a1\u0301i ph\u00e2\u0300n l\u01a1\u0301n ca\u0301c di\u0323ch vu\u0323 truy\u00ea\u0300n th\u00f4\u0301ng mang ti\u0301nh c\u00f4\u0301t lo\u0303i cu\u0309a nga\u0302n ha\u0300ng nhu\u031b huy \u0111\u1ecd\u0302ng v\u00f4\u0301n, cho vay va\u0300 thanh toa\u0301n v\u01a1\u0301i ha\u0300ng loa\u0323t co\u0302ng ngh\u1eb9\u0302 mang ti\u0301nh \u0111\u1ecd\u0302t pha\u0301, hi\u1eb9\u0302n \u0111a\u0323i. Chi\u0301nh vi\u0300 v\u1ea1\u0302y, Fintech cu\u0303ng chi\u0301nh la\u0300 nh\u01b0\u0303ng \u0111\u00f4\u0301i thu\u0309 ca\u0323nh tranh ti\u00ea\u0300m ta\u0300ng cu\u0309a nga\u0302n ha\u0300ng, a\u0309nh hu\u031b\u01a1\u0309ng t\u01a1\u0301i thi\u0323 ph\u00e2\u0300n kha\u0301ch ha\u0300ng cu\u0309a h\u1eb9\u0302 th\u00f4\u0301ng nga\u0302n ha\u0300ng.<\/p>\n

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NGND.PGS.TS. Ki\u1ec1u H\u1eefu Thi\u1ec7n – Gi\u00e1m \u0111\u1ed1c Tr\u01b0\u1eddng \u0110\u00e0o t\u1ea1o Vietcombank ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Tr\u00ecnh b\u00e0y k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u, ThS. V\u01b0\u01a1ng Minh Giang – Tr\u01b0\u1edfng ph\u00f2ng M\u00f4 h\u00ecnh v\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb r\u1ee7i ro Ng\u00e2n h\u00e0ng Vietcombank cho bi\u1ebft: Ba\u0309n ch\u00e2\u0301t va\u0300 pha\u0323m vi cu\u0309a hoa\u0323t \u0111\u1ecd\u0302ng va\u0300 ru\u0309i ro nga\u0302n ha\u0300ng theo ca\u0301ch hi\u00ea\u0309u truy\u00ea\u0300n th\u00f4\u0301ng co\u0301 th\u00ea\u0309 thay \u0111\u00f4\u0309i \u0111a\u0301ng k\u00ea\u0309 theo th\u01a1\u0300i gian v\u01a1\u0301i s\u01b0\u0323 \u01b0\u0301ng du\u0323ng Fintech nga\u0300y ca\u0300ng sa\u0302u r\u1ecd\u0302ng. Co\u0302ng ngh\u1eb9\u0302 m\u01a1\u0301i \u0111ang a\u0309nh hu\u031b\u01a1\u0309ng \u0111\u00ea\u0301n mo\u0302 hi\u0300nh kinh doanh cu\u0309a nga\u0302n ha\u0300ng. Ca\u0301c ta\u0301c \u0111\u1ecd\u0302ng ti\u0301ch c\u01b0\u0323c cu\u0309a s\u01b0\u0323 tu\u031bo\u031bng ta\u0301c v\u01a1\u0301i Fintech \u0111\u00f4\u0301i v\u01a1\u0301i h\u1eb9\u0302 th\u00f4\u0301ng nga\u0302n ha\u0300ng \u0111u\u031b\u01a1\u0323c th\u00ea\u0309 hi\u1eb9\u0302n ro\u0303 tre\u0302n ba khi\u0301a ca\u0323nh \u0111\u00f3 l\u00e0 chuy\u00ea\u0309n \u0111\u00f4\u0309i s\u00f4\u0301, \u01b0\u0301ng du\u0323ng co\u0302ng ngh\u1eb9\u0302 m\u01a1\u0301i va\u0300 h\u01a1\u0323p ta\u0301c cu\u0300ng pha\u0301t tri\u00ea\u0309n. B\u00ean c\u1ea1nh \u0111\u00f3, nh\u01b0\u0303ng ru\u0309i ro chi\u0301nh lie\u0302n quan \u0111\u00ea\u0301n s\u01b0\u0323 xu\u00e2\u0301t hi\u1eb9\u0302n cu\u0309a Fintech bao g\u00f4\u0300m: ru\u0309i ro chi\u00ea\u0301n lu\u031b\u01a1\u0323c, ru\u0309i ro hoa\u0323t \u0111\u1ecd\u0302ng, ru\u0309i ro an ninh ma\u0323ng va\u0300 ru\u0309i ro tua\u0302n thu\u0309.<\/p>\n

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ThS. V\u01b0\u01a1ng Minh Giang, Tr\u01b0\u1edfng ph\u00f2ng M\u00f4 h\u00ecnh v\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/em> Ng\u00e2n h\u00e0ng <\/em>Vietcombank<\/em><\/p>\n

tr\u00ecnh b\u00e0y k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u<\/em>.<\/em><\/p>\n

Theo nh\u00f3m nghi\u00ean c\u1ee9u, t\u1ea1i Vi\u1ec7t Nam, t\u01b0\u0300 vi\u1eb9\u0302c cung \u01b0\u0301ng di\u0323ch vu\u0323 cu\u0309a Fintech, kha\u0301ch ha\u0300ng kho\u0302ng nh\u00e2\u0301t thi\u00ea\u0301t \u0111\u00ea\u0301n va\u0300 s\u01b0\u0309 du\u0323ng tr\u01b0\u0323c ti\u00ea\u0301p ca\u0301c di\u0323ch vu\u0323 cu\u0309a nga\u0302n ha\u0300ng, ma\u0300 kha\u0301ch ha\u0300ng co\u0301 th\u00ea\u0309 vay, chi tra\u0309 ca\u0301c di\u0323ch vu\u0323 tho\u0302ng qua ca\u0301c \u01b0\u0301ng du\u0323ng cu\u0309a co\u0302ng ty co\u0302ng ngh\u1eb9\u0302 ta\u0300i chi\u0301nh. M\u1ea1\u0306c du\u0300 Fintech \u0111em la\u0323i s\u01b0\u0323 ca\u0323nh tranh tr\u01b0\u0323c ti\u00ea\u0301p nhu\u031bng v\u01a1\u0301i s\u01b0\u0323 bu\u0300ng n\u00f4\u0309 cu\u0309a khoa ho\u0323c co\u0302ng ngh\u1eb9\u0302, Fintech \u0111a\u0303 ta\u0323o ra bu\u031b\u01a1\u0301c \u0111\u1ecd\u0302t pha\u0301 sa\u0301ng ta\u0323o, giu\u0301p mo\u0323i ngu\u031b\u01a1\u0300i d\u00ea\u0303 da\u0300ng ti\u00ea\u0301p c\u1ea1\u0302n ca\u0301c di\u0323ch vu\u0323 nga\u0302n ha\u0300ng m\u1ecd\u0302t ca\u0301ch thu\u1ea1\u0302n ti\u1eb9\u0302n nh\u00e2\u0301t v\u01a1\u0301i chi phi\u0301 th\u00e2\u0301p nh\u00e2\u0301t. Be\u0302n ca\u0323nh n\u00ea\u0300n ta\u0309ng Mobile Banking, ca\u0301c sa\u0309n ph\u00e2\u0309m, n\u00ea\u0300n ta\u0309ng, co\u0302ng ngh\u1eb9\u0302 do Fintech pha\u0301t tri\u00ea\u0309n \u0111a\u0303 \u0111u\u031b\u01a1\u0323c ca\u0301c nga\u0302n ha\u0300ng s\u01b0\u0309 du\u0323ng tho\u0302ng qua mo\u0302 hi\u0300nh h\u01a1\u0323p ta\u0301c Fintech – nga\u0302n ha\u0300ng, bao g\u00f4\u0300m: Ca\u0301c gia\u0309i pha\u0301p pha\u0302n ti\u0301ch d\u01b0\u0303 li\u1eb9\u0302u l\u01a1\u0301n cho nga\u0302n ha\u0300ng; \u1ee9ng du\u0323ng Blockchain trong giao di\u0323ch L\/C; co\u0302ng ngh\u1eb9\u0302 nh\u1ea1\u0302n di\u1eb9\u0302n sinh tr\u0103\u0301c ho\u0323c eKYC; n\u00ea\u0300n ta\u0309ng ti\u00ea\u0301p c\u1ea1\u0302n g\u00e2\u0300n kha\u0301ch ha\u0300ng ho\u031bn, na\u0302ng cao tra\u0309i nghi\u1eb9\u0302p kha\u0301ch ha\u0300ng; tri\u0301 tu\u1eb9\u0302 nha\u0302n ta\u0323o AI. Trong \u0111\u00f3, thanh toa\u0301n la\u0300 li\u0303nh v\u01b0\u0323c pha\u0301t tri\u00ea\u0309n ma\u0323nh nh\u00e2\u0301t cu\u0309a Fintech trong h\u01a1\u0323p ta\u0301c v\u01a1\u0301i nga\u0302n ha\u0300ng. V\u01a1\u0301i 43 trung gian thanh toa\u0301n \u0111u\u031b\u01a1\u0323c NHNN c\u00e2\u0301p phe\u0301p, thi\u0323 tru\u031b\u01a1\u0300ng thanh toa\u0301n cu\u0309a Vi\u1eb9\u0302t Nam \u0111a\u0303 pha\u0301t tri\u00ea\u0309n so\u0302i \u0111\u1ecd\u0302ng v\u01a1\u0301i s\u01b0\u0323 ra \u0111\u01a1\u0300i nhi\u00ea\u0300u mo\u0302 hi\u0300nh thanh toa\u0301n m\u01a1\u0301i trong quan h\u1eb9\u0302 h\u01a1\u0323p ta\u0301c v\u01a1\u0301i nga\u0302n ha\u0300ng, bao g\u00f4\u0300m: Vi\u0301 \u0111i\u1eb9\u0302n t\u01b0\u0309, trung gian h\u00f4\u0303 tr\u01a1\u0323 thu h\u1ecd\u0302\/chi h\u1ecd\u0302.<\/p>\n

M\u1ecd\u0302t \u0111i\u00ea\u0300u kho\u0302ng th\u00ea\u0309 phu\u0309 nh\u1ea1\u0302n la\u0300 s\u01b0\u0323 pha\u0301t tri\u00ea\u0309n cu\u0309a Fintech cu\u0303ng nhu\u031b \u01b0\u0301ng du\u0323ng ca\u0301c gia\u0309i pha\u0301p va\u0300 ca\u0301ch ti\u00ea\u0301p c\u1ea1\u0302n Fintech hi\u1eb9\u0302n \u0111ang la\u0300 xu th\u00ea\u0301 d\u00e2\u0303n d\u0103\u0301t nga\u0300nh di\u0323ch vu\u0323 ta\u0300i chi\u0301nh toa\u0300n c\u00e2\u0300u, g\u00f4\u0300m nga\u0302n ha\u0300ng ba\u0301n le\u0309, cho vay va\u0300 \u0111\u00e2\u0300u tu\u031b, thanh toa\u0301n va\u0300 chuy\u00ea\u0309n ti\u00ea\u0300n, qua\u0309n ly\u0301 ta\u0300i sa\u0309n, ba\u0309o hi\u00ea\u0309m va\u0300 giao di\u0323ch chu\u00f4\u0303i kh\u00f4\u0301i blockchain. S\u01b0\u0323 pha\u0301t tri\u00ea\u0309n cu\u0309a nga\u0300nh Fintech \u01a1\u0309 Vi\u1eb9\u0302t Nam cu\u0303ng pha\u0309n a\u0301nh nh\u01b0\u0303ng xu hu\u031b\u01a1\u0301ng toa\u0300n c\u00e2\u0300u na\u0300y, go\u0301p ph\u00e2\u0300n \u0111i\u0323nh hi\u0300nh thi\u0323 tr\u01b0\u01a1\u0300ng ta\u0300i chi\u0301nh s\u00f4\u0301 \u01a1\u0309 Vi\u1eb9\u0302t Nam. Theo \u0111\u00f3, du\u031b\u01a1\u0301i a\u0301p l\u01b0\u0323c ca\u0323nh tranh cu\u0309a Fintech va\u0300 s\u01b0\u0323 d\u00e2\u0303n d\u0103\u0301t cu\u0309a Fintech trong m\u1ecd\u0302t s\u00f4\u0301 li\u0303nh v\u01b0\u0323c thanh toa\u0301n, ca\u0301c nga\u0302n ha\u0300ng bu\u1ecd\u0302c pha\u0309i th\u01b0\u0323c hi\u1eb9\u0302n ca\u0301c chuy\u00ea\u0309n \u0111\u00f4\u0309i. K\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u cho th\u1ea5y, ta\u0323i Vi\u1eb9\u0302t Nam, nhi\u00ea\u0300u nga\u0302n ha\u0300ng \u0111a\u0303 th\u00ea\u0309 hi\u1eb9\u0302n s\u01b0\u0323 chuy\u00ea\u0309n \u0111\u00f4\u0309i b\u0103\u0301t \u0111\u00e2\u0300u t\u01b0\u0300 vi\u1eb9\u0302c xa\u0302y d\u01b0\u0323ng chi\u00ea\u0301n lu\u031b\u01a1\u0323c pha\u0301t tri\u00ea\u0309n nga\u0302n ha\u0300ng s\u00f4\u0301, m\u1ecd\u0302t s\u00f4\u0301 nga\u0302n ha\u0300ng \u0111a\u0303 \u0111u\u031ba ra thi\u0323 tru\u031b\u01a1\u0300ng nh\u01b0\u0303ng sa\u0309n ph\u00e2\u0309m co\u0302ng ngh\u1eb9\u0302 s\u00f4\u0301 va\u0300 l\u01b0\u0323a cho\u0323n ca\u0301c gia\u0309i pha\u0301p Core banking m\u01a1\u0301i nh\u0103\u0300m h\u00f4\u0303 tr\u01a1\u0323 t\u00f4\u0301t cho \u0111i\u0323nh hu\u031b\u01a1\u0301ng pha\u0301t tri\u00ea\u0309n nga\u0302n ha\u0300ng s\u00f4\u0301\u2026<\/p>\n

T\u1eeb th\u1ef1c t\u1ebf tr\u00ean, nh\u00f3m nghi\u00ean c\u1ee9u \u0111\u01b0a ra m\u1ed9t s\u1ed1 khuy\u1ebfn ngh\u1ecb ch\u00ednh s\u00e1ch, trong \u0111o\u0301 bao g\u00f4\u0300m ca\u0301c khuy\u00ea\u0301n nghi\u0323 \u0111\u00f4\u0301i v\u01a1\u0301i co\u031b quan qua\u0309n ly\u0301 v\u00ea\u0300 hoa\u0300n thi\u1eb9\u0302n th\u00ea\u0309 ch\u00ea\u0301 qua\u0309n ly\u0301, khuo\u0302n kh\u00f4\u0309 pha\u0301p ly\u0301 v\u00ea\u0300 \u0111\u00f4\u0301i hoa\u0323t \u0111\u1ecd\u0302ng Fintech, co\u031b s\u01a1\u0309 ha\u0323 t\u00e2\u0300ng d\u01b0\u0303 li\u1eb9\u0302u du\u0300ng chung va\u0300 ma\u0323ng lu\u031b\u01a1\u0301i h\u00f4\u0303 tr\u01a1\u0323 \u0111\u00f4\u0309i m\u01a1\u0301i sa\u0301ng ta\u0323o. Be\u0302n ca\u0323nh \u0111o\u0301, \u0111\u00ea\u0300 ta\u0300i \u0111a\u0303 \u0111\u00ea\u0300 xu\u00e2\u0301t nh\u01b0\u0303ng khuy\u00ea\u0301n nghi\u0323 gia\u0309i pha\u0301p \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0301c nga\u0302n ha\u0300ng thu\u031bo\u031bng ma\u0323i va\u0300 ca\u0301c co\u0302ng ty Fintech, nhu\u031b: ta\u0306ng cu\u031b\u01a1\u0300ng h\u01a1\u0323p ta\u0301c \u0111\u00ea\u0309 cung c\u00e2\u0301p ca\u0301c sa\u0309n ph\u00e2\u0309m, di\u0323ch vu\u0323 phu\u0300 h\u01a1\u0323p; pha\u0301t tri\u00ea\u0309n co\u031b s\u01a1\u0309 ha\u0323 t\u00e2\u0300ng s\u00f4\u0301; na\u0302ng cao ch\u00e2\u0301t lu\u031b\u01a1\u0323ng va\u0300 qua\u0309n tri\u0323 ngu\u00f4\u0300n l\u01b0\u0323c; \u0111a\u0309m ba\u0309o an toa\u0300n ba\u0309o m\u1ea1\u0302t tho\u0302ng tin, an ninh ma\u0323ng… \u0111\u00ea\u0309 hu\u031b\u01a1\u0301ng t\u01a1\u0301i s\u01b0\u0323 h\u01a1\u0323p ta\u0301c toa\u0300n di\u1eb9\u0302n va\u0300 la\u0302u da\u0300i cu\u0309a ca\u0309 hai be\u0302n.<\/p>\n

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

Tin b\u00e0i & \u1ea2nh: Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng; Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00e1ng 21\/09\/2023 t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (CLNH) \u0111\u00e3 t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cNghi\u00ean c\u1ee9u s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty Fintech trong th\u1ecb tr\u01b0\u1eddng d\u1ecbch …<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3860"}],"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=3860"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3860\/revisions"}],"predecessor-version":[{"id":3866,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3860\/revisions\/3866"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=3860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=3860"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=3860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}