{"id":4182,"date":"2024-06-13T08:56:36","date_gmt":"2024-06-13T01:56:36","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=4182"},"modified":"2024-07-04T08:59:39","modified_gmt":"2024-07-04T01:59:39","slug":"hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-khoa-hoc-va-cong-nghe-cap-bo-fintech-tai-viet-nam-thuc-trang-xu-huong-phat-trien-va-khuyen-nghi-chinh-sach","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-fintech-tai-viet-nam-thuc-trang-xu-huong-phat-trien-va-khuyen-nghi-chinh-sach\/","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: \u201cFintech t\u1ea1i Vi\u1ec7t Nam: Th\u1ef1c tr\u1ea1ng, xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n v\u00e0 khuy\u1ebfn ngh\u1ecb ch\u00ednh s\u00e1ch\u201d"},"content":{"rendered":"

Ng\u00e0y 13\/6\/2024 t\u1ea1i tr\u1ee5 s\u1edf 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 ph\u1ed5 bi\u1ebfn 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 \u201cFintech t\u1ea1i Vi\u1ec7t Nam: Th\u1ef1c tr\u1ea1ng, xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n v\u00e0 khuy\u1ebfn ngh\u1ecb ch\u00ednh s\u00e1ch\u201d (m\u00e3 s\u1ed1 \u0110TNH.022\/22) do TS. C\u1ea5n V\u0103n L\u1ef1c, Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh – ti\u1ec1n t\u1ec7 Qu\u1ed1c gia, Chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng BIDV 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, s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong th\u1eddi gian g\u1ea7n \u0111\u00e2y \u0111\u00e3 mang \u0111\u1ebfn nhi\u1ec1u thay \u0111\u1ed5i trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u0169ng \u0111\u00e3 ch\u1ee9ng ki\u1ebfn s\u1ef1 gia t\u0103ng \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o Fintech, ri\u00eang trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u00ec Fintech \u0111ang r\u1ea5t ph\u00e1t tri\u1ec3n, \u0111\u1eb7t ra nhi\u1ec1u c\u01a1 h\u1ed9i c\u0169ng nh\u01b0 th\u00e1ch th\u1ee9c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nhanh h\u01a1n.<\/p>\n

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

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

D\u00f9 c\u00f3 nhi\u1ec1u ti\u1ec1m n\u0103ng nh\u01b0ng t\u1ea1i Vi\u1ec7t Nam, Fintech hi\u1ec7n v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. Theo nh\u00f3m nghi\u00ean c\u1ee9u, Vi\u1ec7t Nam hi\u1ec7n c\u00f3 kho\u1ea3ng 250 c\u00f4ng ty Fintech, trong \u0111\u00f3 c\u00f3 176 c\u00f4ng ty Fintech startup. Trong khu v\u1ef1c hi\u1ec7n nay, Singapore c\u00f3 h\u01a1n 1.100 c\u00f4ng ty; Indonesia c\u00f3 h\u01a1n 500 c\u00f4ng ty; Malaysia c\u00f3 376 c\u00f4ng ty; Th\u00e1i Lan c\u00f3 216 c\u00f4ng ty; Philippines 194 c\u00f4ng ty\u2026<\/p>\n

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

Th\u00e0nh vi\u00ean \u0111<\/em>\u1ea1i di\u1ec7n<\/em> nh\u00f3m nghi\u00ean c\u1ee9u tr\u00ecnh b\u00e0y<\/em> t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Theo nh\u00f3m nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn Fintech t\u1ea1i Vi\u1ec7t Nam ch\u01b0a ph\u00e1t tri\u1ec3n x\u1ee9ng v\u1edbi ti\u1ec1m n\u0103ng \u0111\u00f3 l\u00e0 khung kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty Fintech t\u1ea1i Vi\u1ec7t Nam v\u1eabn \u1edf trong giai \u0111o\u1ea1n s\u01a1 khai. Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a nh\u00f3m nghi\u00ean c\u1ee9u, Vi\u1ec7t Nam \u0111ang s\u1eed d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn \u201cch\u1edd \u0111\u1ee3i v\u00e0 quan s\u00e1t\u201d \u0111\u1ec3 qu\u1ea3n l\u00fd l\u0129nh v\u1ef1c Fintech, khi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ch\u1ee7 y\u1ebfu v\u1eabn \u0111ang th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u th\u1ecb tr\u01b0\u1eddng v\u00e0 quan s\u00e1t, h\u1ecdc h\u1ecfi kinh nghi\u1ec7m t\u1eeb c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n h\u01a1n. M\u1ed9t tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u00e0 trong l\u0129nh v\u1ef1c thanh to\u00e1n, Vi\u1ec7t Nam \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn ch\u1ee7 \u0111\u1ed9ng h\u01a1n l\u00e0 \u201cth\u1eed nghi\u1ec7m v\u00e0 h\u1ecdc h\u1ecfi\u201d.<\/p>\n

Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf (\u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ea1i Philippines v\u00e0 Kenya) cho th\u1ea5y Vi\u1ec7t Nam c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn \u201cth\u1eed nghi\u1ec7m v\u00e0 h\u1ecdc h\u1ecfi\u201d \u0111\u1ec3 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng Fintech. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y cho ph\u00e9p c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd v\u1eeba c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t c\u00e1c r\u1ee7i ro c\u1ee7a Fintech (c\u00f3 th\u1ec3 b\u1eb1ng c\u00e1ch cho \u1ee9ng d\u1ee5ng trong ph\u1ea1m vi h\u1eb9p), v\u1eeba c\u00f3 th\u1eddi gian \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin, t\u00ecm ra ph\u01b0\u01a1ng \u00e1n qu\u1ea3n l\u00fd t\u1ed1i \u01b0u. Ch\u00ednh v\u00ec v\u1eady trong th\u1eddi gian t\u1edbi, nh\u00f3m nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t Vi\u1ec7t Nam n\u00ean chuy\u1ec3n \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn t\u1eeb \u201cch\u1edd \u0111\u1ee3i v\u00e0 quan s\u00e1t\u201d sang c\u00e1c c\u00e1ch ti\u1ebfp c\u1eadn ch\u1ee7 \u0111\u1ed9ng h\u01a1n \u0111\u1ec3 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng cho c\u00e1c c\u00f4ng ty Fintech ph\u00e1t tri\u1ec3n.<\/p>\n

V\u1ec1 gi\u1ea3i ph\u00e1p \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a Fintech, theo nh\u00f3m nghi\u00ean c\u1ee9u quan tr\u1ecdng nh\u1ea5t l\u00e0 khung kh\u1ed5 ph\u00e1p l\u00fd, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, NHNN v\u00e0 c\u00e1c b\u1ed9, ng\u00e0nh c\u1ea7n ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd \u0111\u1ec3 ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n, tr\u00ecnh Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng Fintech (Sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

NHNN c\u1ea7n ti\u1ebfp t\u1ee5c r\u00e0 so\u00e1t, nghi\u00ean c\u1ee9u s\u1eeda \u0111\u1ed5i ho\u1eb7c b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh li\u00ean quan t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng trong ho\u1ea1t \u0111\u1ed9ng trung gian thanh to\u00e1n, ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n, chu\u1ea9n k\u1ebft n\u1ed1i Open API…<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ea7u m\u1ed1i nghi\u00ean c\u1ee9u v\u00e0 tham m\u01b0u Ch\u00ednh ph\u1ee7 c\u00e1c c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i v\u1ec1 thu\u1ebf, mi\u1ec5n gi\u1ea3m thu\u1ebf v\u00e0 \u01b0u \u0111\u00e3i \u0111\u1ea7u t\u01b0 cho c\u00e1c doanh nghi\u1ec7p Fintech startup, \u0111\u1eb7c bi\u1ec7t trong giai \u0111o\u1ea1n \u0111\u1ea7u; nghi\u00ean c\u1ee9u \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c m\u00f4 h\u00ecnh cho Fintech trong l\u0129nh v\u1ef1c ch\u1ee9ng kho\u00e1n v\u00e0 b\u1ea3o hi\u1ec3m \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i Fintech ho\u00e0n ch\u1ec9nh, \u0111a d\u1ea1ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, nh\u1eefng ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 kh\u00e1c c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh nh\u01b0 ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng v\u1ec1 vi\u1ec5n th\u00f4ng, m\u1ea1ng internet, k\u1ebft n\u1ed1i 5G. Ho\u00e0n thi\u1ec7n c\u01a1 s\u1edf d\u1eef li\u1ec7u th\u00f4ng tin qu\u1ed1c gia c\u0169ng nh\u01b0 ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh cho ph\u00e9p c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty Fintech truy c\u1eadp, s\u1eed d\u1ee5ng kho d\u1eef li\u1ec7u n\u00e0y. T\u0103ng c\u01b0\u1eddng \u0111\u1ea7u t\u01b0 cho gi\u00e1o d\u1ee5c, \u0111\u1eb7c bi\u1ec7t l\u00e0 gi\u00e1o d\u1ee5c \u0111\u1ea1i h\u1ecdc v\u00e0 sau \u0111\u1ea1i h\u1ecdc \u0111\u1ec3 c\u1ea3i thi\u1ec7n ngu\u1ed3n cung c\u1ea5p nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao trong c\u1ea3 m\u1ea3ng t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7.<\/p>\n

\u00a0<\/em><\/strong>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":"

Ng\u00e0y 13\/6\/2024 t\u1ea1i tr\u1ee5 s\u1edf 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 ph\u1ed5 bi\u1ebfn 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 \u201cFintech t\u1ea1i Vi\u1ec7t Nam: Th\u1ef1c tr\u1ea1ng, xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n v\u00e0 khuy\u1ebfn ngh\u1ecb ch\u00ednh s\u00e1ch\u201d (m\u00e3 …<\/p>\n","protected":false},"author":1,"featured_media":4183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,72,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4182"}],"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\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=4182"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4182\/revisions"}],"predecessor-version":[{"id":4186,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4182\/revisions\/4186"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/4183"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=4182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=4182"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=4182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}