{"id":976,"date":"2015-10-28T15:13:46","date_gmt":"2015-10-28T15:13:46","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=976"},"modified":"2015-11-06T02:19:47","modified_gmt":"2015-11-06T02:19:47","slug":"chien-luoc-giao-duc-tai-chinh-quoc-gia-kinh-nghiem-tren-the-gioi-va-lien-he-voi-viet-nam","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/chien-luoc-giao-duc-tai-chinh-quoc-gia-kinh-nghiem-tren-the-gioi-va-lien-he-voi-viet-nam\/","title":{"rendered":"Chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia \u2013 kinh nghi\u1ec7m tr\u00ean th\u1ebf gi\u1edbi v\u00e0 li\u00ean h\u1ec7 v\u1edbi Vi\u1ec7t Nam"},"content":{"rendered":"<p style=\"text-align: justify;\">Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00f4ng c\u00f2n m\u1edbi tr\u00ean th\u1ebf gi\u1edbi, n\u00f3 \u0111\u00e3 thu h\u00fat \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m c\u1ee7a ch\u00ednh ph\u1ee7 nhi\u1ec1u n\u01b0\u1edbc v\u00e0 s\u1ef1 tham gia c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf nh\u01b0 OECD v\u00e0 World Bank. \u0110\u1eb7c bi\u1ec7t, t\u1eeb sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh M\u1ef9 n\u0103m 2008 xu\u1ea5t ph\u00e1t t\u1eeb nh\u1eefng nh\u1eadn th\u1ee9c kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 r\u1ee7i ro c\u1ee7a c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p d\u01b0\u1edbi chu\u1ea9n v\u00e0 c\u00e1c ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi c\u00e1c kho\u1ea3n vay n\u00e0y, v\u1ea5n \u0111\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh trong c\u1ed9ng \u0111\u1ed3ng c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng v\u00e0 nhi\u1ec1u qu\u1ed1c gia \u0111\u00e3 \u0111\u01b0a gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh l\u00ean th\u00e0nh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia.<\/p>\n<p style=\"text-align: justify;\">Theo OECD\/INEF (2012), m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u201cm\u1ed9t khuynh h\u01b0\u1edbng ti\u1ebfp c\u1eadp c\u1ee7a n\u01b0\u1edbc \u0111\u00f3 t\u1edbi gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh m\u00e0 trong \u0111\u00f3 m\u1ed9t c\u1ea5u tr\u00fac v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e3\/\u0111ang ho\u1eb7c s\u1eafp \u0111\u01b0\u1ee3c th\u1ef1c thi bao g\u1ed3m: (i) S\u1ef1 nh\u1eadn th\u1ee9c t\u1ea7m quan tr\u1ecdng c\u1ee7a gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh, \u0111\u01b0a ra \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a c\u0169ng nh\u01b0 t\u1ea7m \u1ea3nh h\u01b0\u1edfng \u1edf t\u1ea7m qu\u1ed1c gia d\u1ef1a tr\u00ean nh\u1eefng nhu c\u1ea7u v\u00e0 thi\u1ebfu s\u00f3t c\u1ee7a n\u01b0\u1edbc s\u1edf t\u1ea1i; (ii) c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c c\u01a1 quan ban ng\u00e0nh c\u00f3 li\u00ean quan d\u01b0\u1edbi s\u1ef1 ch\u1ec9 \u0111\u1ea1o v\u00e0 gi\u00e1m s\u00e1t c\u1ee7a m\u1ed9t c\u01a1 quan \u0111\u1ea7u m\u1ed1i; (iii) X\u00e2y d\u1ef1ng m\u1ed9t l\u1ecbch tr\u00ecnh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 \u0111\u00e3 \u0111\u01b0\u1ee3c v\u1ea1ch ra trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh; (iv) Cung c\u1ea5p nh\u1eefng t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 chi\u1ebfn l\u01b0\u1ee3c c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c b\u1eb1ng nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh c\u1ee5 th\u1ec3 v\u00e0 chi ti\u1ebft g\u00f3p ph\u1ea7n ho\u00e0n ch\u1ec9nh m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia. Chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 ra \u0111\u1eddi xu\u1ea5t ph\u00e1t t\u1eeb nhi\u1ec1u t\u00ecnh hu\u1ed1ng kh\u00e1c nhau, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1eeb vi\u1ec7c gia t\u0103ng nh\u1eadn th\u1ee9c v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh hay t\u1eeb n\u1ed7 l\u1ef1c t\u1ea1o s\u1ef1 \u0111\u1ed3ng thu\u1eadn l\u1edbn h\u01a1n trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai. Ch\u01b0\u01a1ng tr\u00ecnh l\u00e0m vi\u1ec7c c\u1ee7a ch\u00ednh ph\u1ee7 c\u0169ng \u0111\u00f3ng vai tr\u00f2 quy\u1ebft \u0111\u1ecbnh v\u00ec s\u1ef1 h\u1ed7 tr\u1ee3 v\u1ec1 m\u1eb7t ch\u00ednh tr\u1ecb cho chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng kh\u00f4ng ch\u1ec9 \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111\u1ea3m b\u1ea3o tri\u1ec3n khai m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi vi\u1ec7c duy tr\u00ec chi\u1ebfn l\u01b0\u1ee3c n\u00e0y.<\/p>\n<p style=\"text-align: justify;\"><strong><em>Nh\u00e2n t\u1ed1 khi\u1ebfn c\u00e1c n\u01b0\u1edbc tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia<\/em><\/strong><\/p>\n<p style=\"text-align: justify;\">Chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh c\u00f3 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n m\u1ea1nh h\u01a1n sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh th\u1ebf gi\u1edbi khi m\u00e0 v\u1ea5n \u0111\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u01b0a ra m\u1ea1nh m\u1ebd \u1edf nhi\u1ec1u qu\u1ed1c gia. \u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc, chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean c\u01a1 s\u1edf li\u00ean k\u1ebft hay l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh c\u1ea3i c\u00e1ch hay \u01b0u ti\u00ean ch\u00ednh s\u00e1ch qu\u1ed1c gia l\u1edbn h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng c\u1ea3i c\u00e1ch hay \u01b0u ti\u00ean ch\u00ednh s\u00e1ch trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh hay c\u1ea5u tr\u00fac gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh. \u0110\u00e2y l\u00e0 tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra \u1edf Nam Phi, n\u01a1i nh\u1eefng thay \u0111\u1ed5i th\u1ec3 ch\u1ebf\u00a0 \u0111\u00e3 d\u00e2n t\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c c\u01a1 quan \u0111i\u1ec1u ti\u1ebft m\u1edbi, v\u00e0 \u1edf Malaysia, n\u01a1i m\u00e0 c\u1ea3i c\u00e1ch trong khu v\u1ef1c t\u00e0i ch\u00ednh \u0111\u00e3 d\u1eabn t\u1edbi vi\u1ec7c c\u1ea3i thi\u1ec7n c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh, trong \u0111\u00f3 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t c\u1ea5u ph\u1ea7n tr\u1ecdng y\u1ebfu.<\/p>\n<p style=\"text-align: justify;\">\u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc kh\u00e1c, nh\u1eefng b\u1eb1ng ch\u1ee9ng v\u1ec1 t\u00ecnh tr\u1ea1ng hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh th\u1ea5p trong d\u00e2n c\u01b0 v\u00e0 nh\u1eefng t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i c\u1ee7a n\u00f3 \u0111\u00e3 d\u1eabn t\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh.<\/p>\n<p style=\"text-align: justify;\">Ngo\u00e0i ra, \u1edf c\u00e1c n\u01b0\u1edbc m\u00e0 m\u1ed9t v\u00e0i ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, c\u00e1c qu\u1ed1c gia n\u00e0y nh\u1eadn th\u1ea5y s\u1ef1 thi\u1ebfu ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c \u0111ang tham gia gi\u00e1o d\u1ee5c cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed9c l\u1eadp m\u00e0 kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch th\u1ea5u \u0111\u00e1o nh\u1eefng kho\u1ea3ng c\u00e1ch v\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh \u0111ang t\u1ed3n t\u1ea1i trong n\u01b0\u1edbc. Do v\u1eady, c\u00e1c c\u01a1 quan ch\u00ednh ph\u1ee7 c\u1ee7a qu\u1ed1c gia quy\u1ebft \u0111\u1ecbnh can thi\u1ec7p \u0111\u1ec3 \u0111i\u1ec1u ph\u1ed1i nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u00e3 tham gia v\u00e0o ho\u1ea1t \u0111\u1ed9ng gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang, nh\u01b0 \u1edf Estonia, Ireland, Ba Lan, Nam Phi, Canada<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>.<\/p>\n<p style=\"text-align: justify;\"><strong><em>Ph\u1ea1m vi v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia t\u1ea1i c\u00e1c n\u01b0\u1edbc<\/em><\/strong><\/p>\n<p style=\"text-align: justify;\">M\u1ed7i qu\u1ed1c gia s\u1ebd c\u00f3 nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn kh\u00e1c nhau khi ti\u1ebfn t\u1edbi x\u00e2y d\u1ef1ng m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh. C\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia th\u01b0\u1eddng \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh theo hai h\u01b0\u1edbng\/h\u00ecnh th\u1ee9c, tuy nhi\u00ean hai h\u00ecnh th\u1ee9c n\u00e0y c\u00f3 s\u1ef1 t\u00e1c \u0111\u1ed9ng qua l\u1ea1i l\u1eabn nhau. Theo c\u00e1ch th\u1ee9 nh\u1ea5t v\u00e0 c\u0169ng l\u00e0 c\u00e1ch ph\u1ed5 bi\u1ebfn nh\u1ea5t, c\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia n\u00e0y l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn ho\u1eb7c l\u00e0 ph\u1ea7n b\u1ed5 sung cho m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh qu\u1ed1c gia t\u1ed5ng th\u1ec3 nh\u1eb1m gia t\u0103ng quy\u1ec1n l\u1ef1c cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh (th\u01b0\u1eddng bao g\u1ed3m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh).\u00a0 Theo c\u00e1ch th\u1ee9 hai, chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch \u0111\u1ed9c l\u1eadp v\u00e0 nh\u1eb1m gi\u1ea3i quy\u1ebft nh\u1eefng th\u00e1ch th\u1ee9c nh\u1ea5t \u0111\u1ecbnh v\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh.<\/p>\n<p style=\"text-align: justify;\">\u1ede nhi\u1ec1u qu\u1ed1c gia, chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh t\u1ed5ng th\u1ec3 l\u1edbn h\u01a1n (18 n\u01b0\u1edbc trong m\u1eabu \u0111i\u1ec1u tra c\u1ee7a OECD INFE). \u1ede h\u1ea7u h\u1ebft c\u00e1c n\u01b0\u1edbc n\u00e0y, chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia g\u1eafn ch\u1eb7t ch\u1ebd ngay t\u1eeb \u0111\u1ea7u v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh v\u00e0 \u0111\u01b0\u1ee3c xem nh\u01b0 m\u1ed9t ph\u1ea7n b\u1ed5 sung cho ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec1u ti\u1ebft trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. Ngo\u00e0i ra, s\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ef1c t\u00e0i ch\u00ednh qu\u1ed1c gia c\u0169ng b\u1eaft ngu\u1ed3n t\u1eeb nh\u1eefng thay \u0111\u1ed5i v\u1ec1 c\u1ea5u tr\u00fac c\u1ee7a c\u00e1c th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh hay nh\u1eefng bi\u1ebfn \u0111\u1ed5i v\u1ec1 kinh t\u1ebf, x\u00e3 h\u1ed9i v\u00e0 d\u00e2n s\u1ed1.<\/p>\n<p style=\"text-align: justify;\">T\u1ea1i c\u00e1c qu\u1ed1c gia m\u1edbi n\u1ed5i, vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia th\u01b0\u1eddng b\u1eaft ngu\u1ed3n t\u1eeb vi\u1ec7c b\u1ed5 tr\u1ee3 cho c\u00e1c gi\u1ea3i ph\u00e1p ph\u1ed5 c\u1eadp t\u00e0i ch\u00ednh nh\u1eb1m n\u00e2ng cao t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. \u0110\u00e2y l\u00e0 tr\u01b0\u1eddng h\u1ee3p di\u1ec5n ra \u1edf \u1ea4n \u0110\u1ed9 v\u00e0 Indonesia (v\u00e0 c\u1ea3 \u1edf M\u00ea hi c\u00f4). \u1ede c\u00e1c n\u01b0\u1edbc n\u00e0y, chi\u1ebfn l\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh qu\u1ed1c gia \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t tr\u1ee5 c\u1ed9t c\u1ee7a qu\u00e1 tr\u00ecnh n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n<p style=\"text-align: justify;\"><strong><em>Li\u00ean h\u1ec7 th\u1ef1c ti\u1ec5n \u1edf Vi\u1ec7t Nam v\u00e0 khuy\u1ebfn ngh\u1ecb<\/em><\/strong><\/p>\n<p style=\"text-align: justify;\">T\u1eeb khi Vi\u1ec7t Nam ch\u00ednh th\u1ee9c gia nh\u1eadp T\u1ed5 ch\u1ee9c Th\u01b0\u01a1ng m\u1ea1i Th\u1ebf gi\u1edbi (WTO) \u0111\u1ebfn nay, h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd. T\u00ednh \u0111\u1ebfn qu\u00fd II\/2013, h\u1ec7 th\u1ed1ng c\u00e1c NHTM c\u00f3 3 NHTM Nh\u00e0 n\u01b0\u1edbc, 36 NHTM c\u1ed5 ph\u1ea7n, 4 ng\u00e2n h\u00e0ng li\u00ean doanh, 47 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. H\u1ec7 th\u1ed1ng c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 m\u1ea1ng l\u01b0\u1edbi bao ph\u1ee7 \u0111\u1ebfn to\u00e0n b\u1ed9 c\u00e1c t\u1ec9nh v\u00e0 th\u00e0nh ph\u1ed1 tr\u00ean c\u1ea3 n\u01b0\u1edbc. M\u1ed9t s\u1ed1 chi nh\u00e1nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n c\u00f3 m\u1eb7t t\u1edbi t\u1eadn huy\u1ec7n, th\u1eadm ch\u00ed l\u00e0 x\u00e3, t\u1eeb \u0111\u00f3, ng\u00e0y c\u00e0ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc.<\/p>\n<p style=\"text-align: justify;\">C\u00f9ng v\u1edbi s\u1ef1 gia t\u0103ng v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng m\u1ea1ng l\u01b0\u1edbi, chi nh\u00e1nh, ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng c\u0169ng ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ngo\u00e0i nh\u1eefng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 truy\u1ec1n th\u1ed1ng \u0111\u00e3 xu\u1ea5t hi\u1ec7n nhi\u1ec1u d\u1ecbch v\u1ee5 m\u1edbi \u0111\u00f2i h\u1ecfi m\u1ed9t ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 s\u1ef1 hi\u1ec3u bi\u1ebft nh\u1ea5t \u0111\u1ecbnh. Do v\u1eady, m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh l\u00e0 t\u1ed1i c\u1ea7n thi\u1ebft v\u1eeba g\u00f3p ph\u1ea7n n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n nh\u00e2n l\u1ef1c c\u1ee7a ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng, v\u1eeba trang b\u1ecb\/cung c\u1ea5p nh\u1eefng ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n cho d\u00e2n c\u01b0 v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, ph\u1ee5c v\u1ee5 cho c\u00f4ng t\u00e1c h\u1ed7 tr\u1ee3 n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5.<\/p>\n<p style=\"text-align: justify;\">M\u1ed9t s\u1ed1 khuy\u1ebfn ngh\u1ecb c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u01b0 sau:<\/p>\n<p style=\"text-align: justify;\">&#8211; \u0110\u01b0a gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh tr\u1edf th\u00e0nh m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1edbi hai m\u1ee5c ti\u00eau ch\u00ednh: (i) B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh, v\u00e0 (ii) N\u00e2ng cao hi\u1ec3u bi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh. C\u1ee5 th\u1ec3:<\/p>\n<p style=\"text-align: justify;\">+ X\u00e2y d\u1ef1ng nh\u1eefng ch\u00ednh s\u00e1ch v\u00e0 quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt ch\u00ednh th\u1ee9c v\u1ec1 ph\u1ed5 bi\u1ebfn ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 \u0111\u1ecbnh h\u00ecnh v\u00e0 ph\u00e1t tri\u1ec3n nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh h\u00e0nh \u0111\u1ed9ng, nh\u1eefng chi\u1ebfn d\u1ecbch nh\u1eb1m n\u00e2ng cao ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh cho to\u00e0n d\u00e2n;<\/p>\n<p style=\"text-align: justify;\">+ X\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t v\u00e0 ph\u1ed1i h\u1ee3p th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh gi\u1eefa c\u00e1c c\u01a1 quan c\u00f3 li\u00ean quan; trong \u0111\u00f3 nh\u1ea5n m\u1ea1nh vai tr\u00f2 c\u1ee7a NHNN, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 B\u1ed9 GD&amp;\u0110T;<\/p>\n<p style=\"text-align: justify;\">+ X\u00e1c \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh ph\u1ea3i \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng, h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u v\u00f9ng xa, ng\u01b0\u1eddi lao \u0111\u1ed9ng ngh\u00e8o; L\u1ed3ng gh\u00e9p ch\u01b0\u01a1ng tr\u00ecnh ph\u1ed5 c\u1eadp ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh an sinh x\u00e3 h\u1ed9i.<\/p>\n<p style=\"text-align: justify;\">&#8211; X\u00e2y d\u1ef1ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 hi\u1ec7u qu\u1ea3 v\u00e0 tr\u1ef1c ti\u1ebfp cho vi\u1ec7c th\u1ef1c hi\u1ec7n \u0110\u1ec1 \u00e1n n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u1ee7a n\u1ec1n kinh t\u1ebf, c\u1ee5 th\u1ec3:<\/p>\n<p style=\"text-align: justify;\">+ G\u1eafn gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n, qu\u1ea3ng b\u00e1 v\u00e0 s\u1eed d\u1ee5ng th\u1ef1c t\u1ebf c\u1ee7a m\u1ed9t ho\u1eb7c nhi\u1ec1u s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u0111\u1eb7c th\u00f9 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u t\u1eebng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u01b0 d\u00e2n v\u00f9ng n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u v\u00f9ng xa \u0111\u1ec3 tr\u1ef1c ti\u1ebfp c\u1ee7ng c\u1ed1 l\u00f2ng tin v\u00e0 t\u00e1c \u0111\u1ed9ng thay \u0111\u1ed5i th\u00f3i quen s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n<p style=\"text-align: justify;\">+ L\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u00f4ng v\u00e0 qu\u1ea3ng b\u00e1 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh v\u00e0 s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u1eebng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n v\u00f9ng s\u00e2u v\u00f9ng xa, tr\u00ecnh \u0111\u1ed9 d\u00e2n tr\u00ed c\u00f2n h\u1ea1n ch\u1ebf, ph\u00e1t huy s\u1ee9c m\u1ea1nh c\u1ee7a ph\u01b0\u01a1ng ti\u1ec7n h\u00ecnh \u1ea3nh, \u00e2m thanh tr\u1ef1c ti\u1ebfp th\u00f4ng qua b\u0103ng r\u00f4n v\u00e0 h\u1ec7 th\u1ed1ng ph\u00e1t thanh v\u1edbi c\u00e1c th\u00f4ng \u0111i\u1ec7p ng\u1eafn g\u1ecdn, d\u1ec5 hi\u1ec3u \u0111i k\u00e8m v\u1edbi c\u00e1c l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c tham gia ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ec3 khuy\u1ebfn kh\u00edch s\u1ef1 tham gia c\u1ee7a ng\u01b0\u1eddi d\u00e2n;<\/p>\n<p style=\"text-align: justify;\">+ Tri\u1ec3n khai gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh t\u1eeb nhi\u1ec1u ph\u00eda: t\u1eeb c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ed9ng \u0111\u1ed3ng \u0111\u1ebfn s\u1ef1 tham gia c\u1ee7a khu v\u1ef1c t\u01b0 nh\u00e2n v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p style=\"text-align: justify;\"><strong>T\u00e0i li\u1ec7u tham kh\u1ea3o:<\/strong><\/p>\n<p style=\"text-align: justify;\">1 &#8211; OECD (2005b), Improving Financial Literacy: Analysis of Issues and Policies<\/p>\n<p style=\"text-align: justify;\">2 &#8211; Grifoni, A. and F. Messy (2012), \u201cCurrent Status of National Strategies for Financial Education: A Comparative Analysis and Relevant Practices\u201d, OECD Working Papers on Finance, Insurance and Private Pensions, No. 16, OECD Publishing.<\/p>\n<p style=\"text-align: justify;\">3 \u2013 Vi\u1ec7n Chi\u1ebfn L\u01b0\u1ee3c \u2013 NHNN (2014), \u0110\u1ec1 \u00c1n N\u00e2ng Cao Kh\u1ea3 N\u0103ng Ti\u1ebfp C\u1eadn D\u1ecbch V\u1ee5, Ph\u1ee5 l\u1ee5c.<\/p>\n<p style=\"text-align: right;\"><em>ThS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n, ThS. Ph\u1ea1m Xu\u00e2n L\u00e2m (Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng) &#8211; Theo SBV.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00f4ng c\u00f2n m\u1edbi tr\u00ean th\u1ebf gi\u1edbi, n\u00f3 \u0111\u00e3 thu h\u00fat \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m c\u1ee7a ch\u00ednh ph\u1ee7 nhi\u1ec1u n\u01b0\u1edbc v\u00e0 s\u1ef1 tham gia c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf nh\u01b0 OECD v\u00e0 World Bank. \u0110\u1eb7c bi\u1ec7t, t\u1eeb sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh M\u1ef9 n\u0103m 2008 xu\u1ea5t &#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"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\/976"}],"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=976"}],"version-history":[{"count":3,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/976\/revisions"}],"predecessor-version":[{"id":1305,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/976\/revisions\/1305"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=976"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}