{"id":15778,"date":"2024-09-11T16:04:29","date_gmt":"2024-09-11T09:04:29","guid":{"rendered":"https:\/\/miraway.vn\/blog\/?p=15778"},"modified":"2024-09-26T16:06:06","modified_gmt":"2024-09-26T09:06:06","slug":"chuyen-doi-so-nganh-ngan-hang-tang-toc-va-phat-trien-ben-vung","status":"publish","type":"post","link":"https:\/\/miraway.vn\/blog\/chuyen-doi-so-nganh-ngan-hang-tang-toc-va-phat-trien-ben-vung\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh Ng\u00e2n h\u00e0ng – T\u0103ng t\u1ed1c v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng"},"content":{"rendered":"

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u00e0ng th\u00edch \u1ee9ng nhanh h\u01a1n v\u1edbi l\u00e0n s\u00f3ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nh\u1eb1m gi\u1eef ch\u00e2n ngu\u1ed3n kh\u00e1ch h\u00e0ng qu\u00fd gi\u00e1 c\u1ee7a m\u00ecnh. Nh\u01b0ng c\u00e1ch th\u1ee9c c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t l\u1ef1a ch\u1ecdn c\u00f3 \u0111ang hi\u1ec7u qu\u1ea3? C\u00f9ng FSI t\u00ecm hi\u1ec3u gi\u1ea3i ph\u00e1p chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0<\/em><\/strong><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh Ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng m\u00e0 c\u00f2n l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i v\u00e0 linh ho\u1ea1t. B\u00e1m s\u00e1t ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a \u0110\u1ea3ng, Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng trong cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 t\u01b0, Ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia v\u00e0 Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030, th\u1eddi gian v\u1eeba qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u k\u1ebf ho\u1ea1ch, ch\u01b0\u01a1ng tr\u00ecnh h\u00e0nh \u0111\u1ed9ng, ch\u1ec9 th\u1ecb tri\u1ec3n khai; \u0111\u1eb7c bi\u1ec7t l\u00e0 r\u00e0 so\u00e1t v\u00e0 ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00ed \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ho\u1ea1t \u0111\u1ed9ng h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1, cung \u1ee9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng an to\u00e0n, ti\u1ec7n l\u1ee3i, \u0111em l\u1ea1i l\u1ee3i \u00edch thi\u1ebft th\u1ef1c cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p. B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ea1 t\u1ea7ng thanh to\u00e1n s\u1ed1 \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng \u0111\u1ea7u t\u01b0, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng, gia t\u0103ng ti\u1ec7n \u00edch1. Nh\u1edd h\u00e0nh lang ph\u00e1p l\u00ed thu\u1eadn l\u1ee3i, h\u1ea1 t\u1ea7ng k\u0129 thu\u1eadt ph\u1ee5c v\u1ee5 thanh to\u00e1n s\u1ed1 v\u1eadn h\u00e0nh an to\u00e0n, \u1ed5n \u0111\u1ecbnh, th\u00f4ng su\u1ed1t v\u00e0 h\u1ec7 sinh th\u00e1i s\u1ed1 c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 ngo\u00e0i ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, ph\u00e1t tri\u1ec3n m\u1ea1nh theo ph\u01b0\u01a1ng ch\u00e2m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m tr\u1ecdng t\u00e2m, trong th\u1eddi gian qua, ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1ea1o ti\u1ec1n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 ph\u1ed5 c\u1eadp thanh to\u00e1n s\u1ed1. \u0110\u00f3 l\u00e0 \u0111\u00e3 \u201cli\u00ean th\u00f4ng\u201d thanh to\u00e1n, t\u1ea1o k\u1ebft n\u1ed1i, d\u1ecbch v\u1ee5 \u201cli\u1ec1n m\u1ea1ch\u201d gi\u1eefa c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c, gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed l\u1edbn cho x\u00e3 h\u1ed9i, ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p v\u00e0 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia \u0111\u1ed3ng b\u1ed9.<\/div>\n
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77,41% ng\u01b0\u1eddi Vi\u1ec7t Nam tr\u01b0\u1edfng th\u00e0nh c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n<\/strong><\/p>\n

\u0110\u1ebfn cu\u1ed1i th\u00e1ng 11\/2023, to\u00e0n th\u1ecb tr\u01b0\u1eddng c\u00f3 h\u01a1n 21.000 ATM v\u00e0 513.000 POS; 77,41% ng\u01b0\u1eddi Vi\u1ec7t Nam tr\u01b0\u1edfng th\u00e0nh c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ph\u00e9p kh\u00e1c. M\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn thanh to\u00e1n (POS\/QR Code) ph\u1ee7 \u0111\u1ebfn h\u1ea7u h\u1ebft c\u00e1c \u0111i\u1ec3m kinh doanh, nh\u00e0 h\u00e0ng, kh\u00e1ch s\u1ea1n, c\u1eeda h\u00e0ng ti\u1ec7n \u00edch v\u00e0 \u0111ang m\u1edf r\u1ed9ng d\u1ea7n ra c\u00e1c c\u01a1 s\u1edf y t\u1ebf, b\u1ec7nh vi\u1ec7n, tr\u01b0\u1eddng h\u1ecdc. \u0110\u1eb7c bi\u1ec7t, cu\u1ed1i n\u0103m 2023, Vi\u1ec7t Nam \u0111\u00e3 ho\u00e0n t\u1ea5t k\u1ebft n\u1ed1i h\u1ec7 th\u1ed1ng thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi qua QR Code v\u1edbi Th\u00e1i Lan, Campuchia (\u0111ang tri\u1ec3n khai ti\u1ebfp v\u1edbi L\u00e0o), cho ph\u00e9p ng\u01b0\u1eddi d\u00e2n m\u1ed7i n\u01b0\u1edbc qu\u00e9t QR Code \u0111\u1ec3 tr\u1ea3 ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 an to\u00e0n, ti\u1ec7n l\u1ee3i t\u1ea1i c\u00e1c n\u01b0\u1edbc n\u00e0y ngay tr\u00ean \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n<\/div>\n

H\u1ec7 sinh th\u00e1i s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 s\u1ed1 c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng v\u1edbi nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i, ti\u1ec7n l\u1ee3i \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i li\u00ean th\u00f4ng, t\u00edch h\u1ee3p li\u1ec1n m\u1ea1ch, xuy\u00ean su\u1ed1t v\u1edbi c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c kh\u00e1c: C\u00e1c d\u1ecbch v\u1ee5 tr\u00ean c\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng qu\u1ed1c gia, d\u1ecbch v\u1ee5 d\u00e2n sinh nh\u01b0 thanh to\u00e1n \u0111i\u1ec7n, n\u01b0\u1edbc, vi\u1ec5n th\u00f4ng, y t\u1ebf, gi\u00e1o d\u1ee5c, h\u00e0ng h\u00f3a tr\u00ean c\u00e1c s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, d\u1ecbch v\u1ee5 g\u1ecdi xe, \u0111\u1eb7t nh\u00e0 h\u00e0ng, tour du l\u1ecbch tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1… \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a l\u00ean ho\u1eb7c k\u1ebft n\u1ed1i v\u1edbi \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n, d\u1ecbch v\u1ee5 Mobile – Money cho ph\u00e9p ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p giao d\u1ecbch mua, b\u00e1n, thanh to\u00e1n an to\u00e0n, thu\u1eadn ti\u1ec7n, ti\u1ebft ki\u1ec7m th\u1eddi gian, chi ph\u00ed ngay tr\u00ean \u1ee9ng d\u1ee5ng, n\u1ec1n t\u1ea3ng s\u1ed1 quen thu\u1ed9c h\u1eb1ng ng\u00e0y. Nh\u1eefng k\u1ebft qu\u1ea3 t\u00edch c\u1ef1c t\u1eeb s\u1ef1 \u0111\u1ed5i m\u1edbi n\u00e0y \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p t\u01b0\u01a1ng t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi m\u1edf ra nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi v\u00e0 t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng t\u00e0i ch\u00ednh an to\u00e0n v\u00e0 ti\u1ec7n l\u1ee3i.<\/div>\n
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\u0110\u1ea9y m\u1ea1nh c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh (TTHC)<\/strong><\/div>\n
C\u0103n c\u1ee9 c\u00e1c m\u1ee5c ti\u00eau, nhi\u1ec7m v\u1ee5 t\u1ea1i Ngh\u1ecb quy\u1ebft s\u1ed1 68\/NQ-CP ng\u00e0y 12\/5\/2020 c\u1ee7a Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ch\u01b0\u01a1ng tr\u00ecnh c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh giai \u0111o\u1ea1n 2020 – 2025, Ngh\u1ecb quy\u1ebft s\u1ed1 01\/NQ-CP ng\u00e0y 06\/01\/2023 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ee7 y\u1ebfu th\u1ef1c hi\u1ec7n K\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i, D\u1ef1 to\u00e1n ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng kinh doanh, n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh qu\u1ed1c gia n\u0103m 2023, Ngh\u1ecb quy\u1ebft s\u1ed1 131\/NQ-CP ng\u00e0y 06\/10\/2022 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0111\u1ea9y m\u1ea1nh c\u1ea3i c\u00e1ch TTHC v\u00e0 hi\u1ec7n \u0111\u1ea1i h\u00f3a ph\u01b0\u01a1ng th\u1ee9c ch\u1ec9 \u0111\u1ea1o, \u0111i\u1ec1u h\u00e0nh ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p, t\u1eeb n\u0103m 2020 \u0111\u1ebfn nay, NHNN \u0111\u00e3 x\u00e2y d\u1ef1ng, tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t Ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u1ed1i v\u1edbi 10 quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1205\/Q\u0110-TTg ng\u00e0y 18\/10\/2023 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t Ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh thu\u1ed9c ph\u1ea1m vi ch\u1ee9c n\u0103ng qu\u1ea3n l\u00ed c\u1ee7a NHNN.<\/div>\n
NHNN c\u0169ng \u0111\u00e3 t\u1ed5 ch\u1ee9c ho\u00e0n thi\u1ec7n c\u00e1c \u0111i\u1ec1u ki\u1ec7n, y\u00eau c\u1ea7u s\u1ed1 h\u00f3a v\u00e0 k\u00ed s\u1ed1 b\u1ea3n sao m\u1ed9t s\u1ed1 lo\u1ea1i gi\u1ea5y t\u1edd \u0111\u1ec3 t\u00e1i s\u1eed d\u1ee5ng. B\u1ed9 ph\u1eadn m\u1ed9t c\u1eeda v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ee9c n\u0103ng gi\u1ea3i quy\u1ebft TTHC thu\u1ed9c NHNN \u0111\u00e3 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n s\u1ed1 h\u00f3a h\u1ed3 s\u01a1, k\u1ebft qu\u1ea3 gi\u1ea3i quy\u1ebft TTHC c\u01a1 b\u1ea3n \u0111\u00e1p \u1ee9ng c\u00e1c quy \u0111\u1ecbnh; ho\u00e0n th\u00e0nh vi\u1ec7c \u0111\u1ed3ng b\u1ed9, k\u1ebft n\u1ed1i, chia s\u1ebb d\u1eef li\u1ec7u v\u1ec1 tr\u1ea1ng th\u00e1i, t\u00ecnh h\u00ecnh x\u1eed l\u00ed h\u1ed3 s\u01a1 gi\u1eefa c\u00e1c h\u1ec7 th\u1ed1ng th\u00f4ng tin cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f4ng tr\u1ef1c tuy\u1ebfn. Ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng b\u00e1o c\u00e1o \u0111\u1ecbnh k\u00ec c\u1ee7a NHNN \u0111\u00e1p \u1ee9ng quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 09\/2019\/N\u0110-CP ng\u00e0y 25\/01\/2019 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh v\u1ec1 ch\u1ebf \u0111\u1ed9 b\u00e1o c\u00e1o c\u1ee7a c\u01a1 quan h\u00e0nh ch\u00ednh nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c y\u00eau c\u1ea7u cung c\u1ea5p ch\u1ec9 ti\u00eau, s\u1ed1 li\u1ec7u b\u00e1o c\u00e1o v\u1edbi H\u1ec7 th\u1ed1ng th\u00f4ng tin b\u00e1o c\u00e1o Ch\u00ednh ph\u1ee7, Trung t\u00e2m th\u00f4ng tin, ch\u1ec9 \u0111\u1ea1o \u0111i\u1ec1u h\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/div>\n
Theo k\u1ebft qu\u1ea3 c\u00f4ng b\u1ed1 Ch\u1ec9 s\u1ed1 c\u1ea3i c\u00e1ch h\u00e0nh ch\u00ednh (Par Index) n\u0103m 2022 c\u1ee7a B\u1ed9 N\u1ed9i v\u1ee5, NHNN \u0111\u1ee9ng th\u1ee9 nh\u1ea5t v\u1ec1 ch\u1ec9 s\u1ed1 Par Index v\u00e0 l\u00e0 l\u1ea7n th\u1ee9 7 d\u1eabn \u0111\u1ea7u c\u00e1c b\u1ed9, ng\u00e0nh v\u1ec1 ch\u1ec9 s\u1ed1 n\u00e0y. K\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng cho th\u1ea5y nh\u1eefng n\u1ed7 l\u1ef1c, quy\u1ebft t\u00e2m kh\u00f4ng ng\u1eebng c\u1ee7a NHNN \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng, k\u1ecbp th\u1eddi ban h\u00e0nh nhi\u1ec1u c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch \u0111\u1ed9t ph\u00e1, \u0111\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng an to\u00e0n, l\u00e0nh m\u1ea1nh; \u0111\u1ed3ng th\u1eddi, t\u1ea1o thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, g\u00f3p ph\u1ea7n kh\u00f4i ph\u1ee5c v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t, kinh doanh, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t v\u00e0 t\u1ea1o n\u1ec1n t\u1ea3ng \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4.<\/div>\n
Th\u00fac \u0111\u1ea9y c\u00f4ng t\u00e1c s\u1ed1 h\u00f3a, ph\u00e1t tri\u1ec3n d\u1eef li\u1ec7u s\u1ed1<\/strong><\/div>\n
Trong n\u0103m 2023, NHNN \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh c\u00f4ng t\u00e1c s\u1ed1 h\u00f3a, x\u00e2y d\u1ef1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u \u0111\u1ec3 ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00ed, \u0111i\u1ec1u h\u00e0nh ti\u1ec1n t\u1ec7 – ng\u00e2n h\u00e0ng c\u1ee7a NHNN; k\u1ebft n\u1ed1i, khai th\u00e1c c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u00e0 c\u01a1 s\u1edf d\u1eef li\u1ec7u chuy\u00ean ng\u00e0nh d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng t\u1ed5ng h\u1ee3p, ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u1eadp trung. Hi\u1ec7n nay, NHNN \u0111ang nghi\u00ean c\u1ee9u x\u00e2y d\u1ef1ng Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh v\u1ec1 tri\u1ec3n khai Open API trong ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y k\u1ebft n\u1ed1i, chia s\u1ebb d\u1eef li\u1ec7u, cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi ph\u1ee5c v\u1ee5 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p.<\/div>\n
NHNN c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u01a1n v\u1ecb ti\u00eau bi\u1ec3u trong tri\u1ec3n khai \u0110\u00ea\u0300 a\u0301n pha\u0301t tri\u00ea\u0309n \u01b0\u0301ng du\u0323ng d\u01b0\u0303 li\u00ea\u0323u v\u00ea\u0300 d\u00e2n c\u01b0, \u0111i\u0323nh danh va\u0300 xa\u0301c th\u01b0\u0323c \u0111i\u00ea\u0323n t\u01b0\u0309 phu\u0323c vu\u0323 chuy\u00ea\u0309n \u0111\u00f4\u0309i s\u00f4\u0301 qu\u00f4\u0301c gia giai \u0111oa\u0323n 2022 – 2025, t\u00e2\u0300m nhi\u0300n \u0111\u00ea\u0301n n\u0103m 2030 (Quy\u00ea\u0301t \u0111i\u0323nh s\u00f4\u0301 06\/Q\u0110-TTg ng\u00e0y 06\/01\/2022 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 – \u0110\u1ec1 \u00e1n 06). NHNN \u0111\u00e3 ch\u00ednh th\u1ee9c k\u1ebft n\u1ed1i, khai th\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 t\u00edch h\u1ee3p v\u1edbi C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng c\u1ee7a NHNN; t\u1eeb th\u00e1ng 12\/2022 \u0111\u1ebfn nay \u0111\u00e3 x\u1eed l\u00ed 375 h\u1ed3 s\u01a1 d\u1ecbch v\u1ee5 c\u00f4ng c\u1ea7n khai th\u00e1c th\u00f4ng tin t\u1eeb c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0. M\u00f4\u0323t trong nh\u01b0\u0303ng mu\u0323c ti\u00eau cu\u0309a \u0110\u1ec1 \u00e1n 06 la\u0300 tri\u00ea\u0309n khai r\u00f4\u0323ng ra\u0303i vi\u00ea\u0323c khai tha\u0301c c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n (CCCD) g\u0103\u0301n chi\u0301p, ta\u0300i khoa\u0309n \u0111i\u0323nh danh va\u0300 xa\u0301c th\u01b0\u0323c \u0111i\u00ea\u0323n t\u01b0\u0309, c\u01a1 s\u01a1\u0309 d\u01b0\u0303 li\u00ea\u0323u qu\u00f4\u0301c gia v\u00ea\u0300 d\u00e2n c\u01b0 trong li\u0303nh v\u01b0\u0323c ta\u0300i chi\u0301nh, ng\u00e2n ha\u0300ng. Nga\u0300y 18\/12\/2023, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 ban h\u00e0nh Quy\u00ea\u0301t \u0111i\u0323nh s\u00f4\u0301 2345\/Q\u0110-NHNN v\u00ea\u0300 tri\u00ea\u0309n khai ca\u0301c gia\u0309i pha\u0301p an toa\u0300n, ba\u0309o m\u00e2\u0323t trong thanh toa\u0301n tr\u01b0\u0323c tuy\u00ea\u0301n va\u0300 thanh toa\u0301n the\u0309 ng\u00e2n ha\u0300ng. Trong \u0111\u00f3, quy \u0111i\u0323nh ca\u0301c giao di\u0323ch co\u0301 gia\u0301 tri\u0323 t\u01b0\u0300 10 tri\u00ea\u0323u \u0111\u1ed3ng tr\u01a1\u0309 l\u00ean pha\u0309i a\u0301p du\u0323ng gia\u0309i pha\u0301p sinh tr\u0103\u0301c ho\u0323c \u0111\u00ea\u0309 xa\u0301c th\u01b0\u0323c giao di\u0323ch. \u0110\u00e2y la\u0300 \u0111i\u00ea\u0300u quan tro\u0323ng, co\u0301 y\u0301 nghi\u0303a l\u01a1\u0301n, ta\u0323o ra s\u01b0\u0323 thu\u0301c \u0111\u00e2\u0309y co\u0301 ti\u0301nh \u0111\u00f4\u0323t pha\u0301, giu\u0301p nga\u0300nh Ng\u00e2n ha\u0300ng gia\u0309i \u0111\u01b0\u01a1\u0323c ba\u0300i toa\u0301n qua\u0309n l\u00ed, ki\u00ea\u0309m soa\u0301t, xa\u0301c \u0111i\u0323nh \u0111\u01b0\u01a1\u0323c ng\u01b0\u01a1\u0300i m\u01a1\u0309 ta\u0300i khoa\u0309n thanh toa\u0301n v\u00e0 ng\u01b0\u01a1\u0300i th\u01b0\u0323c hi\u00ea\u0323n giao di\u0323ch la\u0300 ai. T\u01b0\u0300 \u0111\u00f3, go\u0301p ph\u00e2\u0300n giu\u0301p c\u01a1 quan qua\u0309n l\u00ed n\u00e2ng cao n\u0103ng l\u01b0\u0323c thi ha\u0300nh pha\u0301p lu\u00e2\u0323t, \u0111\u00e2\u0301u tranh hi\u00ea\u0323u qua\u0309 v\u01a1\u0301i ca\u0301c loa\u0323i h\u00ecnh t\u00f4\u0323i pha\u0323m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. K\u00ea\u0301t qua\u0309 \u01b0\u0301ng du\u0323ng CCCD g\u0103\u0301n ch\u00edp, ta\u0300i khoa\u0309n \u0111i\u0323nh danh va\u0300 xa\u0301c th\u01b0\u0323c \u0111i\u00ea\u0323n t\u01b0\u0309, c\u01a1 s\u01a1\u0309 d\u01b0\u0303 li\u00ea\u0323u qu\u00f4\u0301c gia v\u00ea\u0300 d\u00e2n c\u01b0 \u0111\u00ea\u0301n tha\u0301ng 12\/2023 trong nga\u0300nh Ng\u00e2n ha\u0300ng nh\u01b0 sau: 53 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111ang ph\u1ed1i h\u1ee3p v\u01a1\u0301i c\u00e1c doanh nghi\u00ea\u0323p \u0111\u01b0\u01a1\u0323c B\u00f4\u0323 C\u00f4ng an c\u00e2\u0301p phe\u0301p cung c\u00e2\u0301p gia\u0309i pha\u0301p xa\u0301c th\u01b0\u0323c ng\u01b0\u01a1\u0300i du\u0300ng b\u0103\u0300ng the\u0309 CCCD g\u0103\u0301n ch\u00edp \u0111\u00ea\u0309 nghi\u00ean c\u01b0\u0301u, tri\u00ea\u0309n khai gia\u0309i pha\u0301p xa\u0301c th\u01b0\u0323c kha\u0301ch ha\u0300ng ta\u0323i qu\u00e2\u0300y giao di\u0323ch, trong \u0111o\u0301 co\u0301 09 TCTD \u0111a\u0303 tri\u00ea\u0309n khai th\u01b0\u0323c t\u00ea\u0301; 48 TCTD \u0111a\u0303 li\u00ean h\u00ea\u0323 v\u01a1\u0301i C\u1ee5c C\u1ea3nh s\u00e1t Qu\u1ea3n l\u00ed h\u00e0nh ch\u00ednh v\u1ec1 tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i – B\u00f4\u0323 C\u00f4ng an (C06) \u0111\u00ea\u0309 trao \u0111\u00f4\u0309i v\u00ea\u0300 ph\u01b0\u01a1ng a\u0301n la\u0300m sa\u0323ch d\u01b0\u0303 li\u00ea\u0323u; Trung t\u00e2m Th\u00f4ng tin ti\u0301n du\u0323ng Qu\u00f4\u0301c gia Vi\u00ea\u0323t Nam (CIC) \u0111a\u0303 ph\u00f4\u0301i h\u01a1\u0323p v\u01a1\u0301i B\u00f4\u0323 C\u00f4ng an va\u0300 ca\u0301c TCTD la\u0300m sa\u0323ch \u0111\u01b0\u01a1\u0323c khoa\u0309ng 42\/54 tri\u00ea\u0323u h\u00f4\u0300 s\u01a1 kha\u0301ch ha\u0300ng; 13 TCTD \u0111a\u0303 va\u0300 \u0111ang li\u00ean h\u00ea\u0323 v\u01a1\u0301i C06 \u0111\u00ea\u0309 \u01b0\u0301ng du\u0323ng ta\u0300i khoa\u0309n \u0111i\u0323nh danh va\u0300 xa\u0301c th\u01b0\u0323c \u0111i\u00ea\u0323n t\u01b0\u0309 (VNeID); 26 TCTD \u0111\u00e3 li\u00ean h\u1ec7 C06 \u0111\u1ec3 tri\u1ec3n khai ho\u1eb7c t\u1ef1 t\u1ed5 ch\u1ee9c \u0111\u00e0o t\u1ea1o n\u1ed9i b\u1ed9, ph\u1ed5 bi\u1ebfn ki\u1ebfn th\u1ee9c v\u1ec1 nh\u1eadn di\u1ec7n CCCD th\u1eadt\/gi\u1ea3; 14 TCTD \u0111ang ph\u00f4\u0301i h\u01a1\u0323p v\u01a1\u0301i C06 ti\u0300m hi\u00ea\u0309u gia\u0309i pha\u0301p ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng; 07 TCTD li\u00ean h\u00ea\u0323 v\u01a1\u0301i C06 \u0111\u00ea\u0309 ti\u0300m hi\u00ea\u0309u n\u00f4\u0323i dung v\u00ea\u0300 ba\u0301o ca\u0301o th\u00f4\u0301ng k\u00ea tr\u00ean n\u00ea\u0300n ta\u0309ng d\u01b0\u0303 li\u00ea\u0323u d\u00e2n c\u01b0. \u0110\u00f4\u0301i v\u01a1\u0301i hoa\u0323t \u0111\u00f4\u0323ng chi tra\u0309 an sinh xa\u0303 h\u00f4\u0323i: C\u00f4ng ty C\u00f4\u0309 ph\u00e2\u0300n Thanh toa\u0301n Qu\u00f4\u0301c gia Vi\u1ec7t Nam (NAPAS) va\u0300 C06 \u0111a\u0303 th\u01b0\u0323c hi\u00ea\u0323n th\u01b0\u0309 nghi\u00ea\u0323m v\u01a1\u0301i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng.<\/div>\n","protected":false},"excerpt":{"rendered":"

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u00e0ng th\u00edch \u1ee9ng nhanh h\u01a1n v\u1edbi l\u00e0n s\u00f3ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nh\u1eb1m gi\u1eef ch\u00e2n ngu\u1ed3n kh\u00e1ch h\u00e0ng qu\u00fd gi\u00e1 c\u1ee7a m\u00ecnh. Nh\u01b0ng c\u00e1ch th\u1ee9c c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t l\u1ef1a ch\u1ecdn c\u00f3 \u0111ang hi\u1ec7u qu\u1ea3? C\u00f9ng FSI t\u00ecm hi\u1ec3u gi\u1ea3i ph\u00e1p chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":15958,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[162,144,1],"tags":[274],"class_list":["post-15778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bai-viet-noi-bat","category-blog","category-customer-centric","tag-miraway"],"featured_image_url":"https:\/\/miraway.vn\/blog\/wp-content\/uploads\/2024\/09\/450429647_1010142261116384_5637289925849908728_n.jpg","_links":{"self":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts\/15778"}],"collection":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/comments?post=15778"}],"version-history":[{"count":2,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts\/15778\/revisions"}],"predecessor-version":[{"id":16048,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts\/15778\/revisions\/16048"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/media\/15958"}],"wp:attachment":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/media?parent=15778"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/categories?post=15778"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/tags?post=15778"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}