\u00c1P D\u1ee4NG C\u00d4NG NGH\u1ec6 FINTECH TRONG L\u0128NH V\u1ef0C T\u00c0I CH\u00cdNH<\/strong><\/span><\/p>\n

\u00a0<\/p>\n

1. \u1ee8NG D\u1ee4NG C\u00d4NG NGH\u1ec6 FINTECH TRONG L\u0128NH V\u1ef0C T\u00c0I CH\u00cdNH NHNN:<\/p>\n

D\u1ef1 ki\u1ebfn t\u1eeb n\u0103m 2021 s\u1ebd ch\u00ednh th\u1ee9c ti\u1ebfn h\u00e0nh ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 v\u00e0 ch\u1ea5p thu\u1eadn cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty cung \u1ee9ng gi\u1ea3i ph\u00e1p Fintech tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m ho\u1ea1t \u0111\u1ed9ng Fintech trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. Theo D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng, c\u00e1c l\u0129nh v\u1ef1c Fintech \u0111\u01b0\u1ee3c tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m Fintech bao g\u1ed3m Thanh to\u00e1n, T\u00edn d\u1ee5ng, Cho vay ngang h\u00e0ng (P2P Lending), H\u1ed7 tr\u1ee3 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng, Giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf (Open API), C\u00e1c gi\u1ea3i ph\u00e1p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o nh\u01b0 Blockchain, C\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng (ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, ti\u1ebft ki\u1ec7m, huy \u0111\u1ed9ng v\u1ed1n\u2026)Th\u1eddi gian th\u1eed nghi\u1ec7m c\u00e1c gi\u1ea3i ph\u00e1p Fintech l\u00e0 1-2 n\u0103m t\u00f9y t\u1eebng gi\u1ea3i ph\u00e1p v\u00e0 l\u0129nh v\u1ef1c c\u1ee5 th\u1ec3, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ch\u1ea5p thu\u1eadn th\u1eed nghi\u1ec7m. NHNN c\u0103n c\u1ee9 tr\u00ean b\u00e1o c\u00e1o t\u1ed5ng k\u1ebft v\u00e0 qu\u00e1 tr\u00ecnh gi\u00e1m s\u00e1t tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd ti\u1ebfp theo, g\u1ed3m: D\u1eebng th\u1eed nghi\u1ec7m, ch\u1ee9ng nh\u1eadn ho\u00e0n th\u00e0nh th\u1eed nghi\u1ec7m ho\u1eb7c gia h\u1ea1n th\u1eed nghi\u1ec7m. \u0110\u00e2y l\u00e0 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c trong s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf s\u1ed1 t\u1ea1i Vi\u1ec7t nam. Ch\u00fang ta s\u1ebd chu\u1ea9n b\u1ecb g\u00ec b\u1eaft k\u1ecbp xu h\u01b0\u1edbng trong n\u1ec1n kinh t\u1ebf 4.0?<\/p>\n

2. C\u00d4NG NGH\u1ec6 FINTECH TRONG HO\u1ea0T \u0110\u1ed8NG CHO VAY NGANG H\u00c0NG (P2P) TH\u1ef0C TR\u1ea0NG V\u00c0 NH\u1eeeNG TH\u00c1CH TH\u1ee8C T\u1ea0I VI\u1ec6T NAM<\/p>\n

Theo h\u00ecnh th\u1ee9c n\u00e0y, doanh nghi\u1ec7p cho vay ngang h\u00e0ng cung c\u1ea5p n\u1ec1n t\u1ea3ng giao d\u1ecbch tr\u1ef1c tuy\u1ebfn \u0111\u1ec3 ng\u01b0\u1eddi vay k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp vay m\u01b0\u1ee3n v\u1edbi ng\u01b0\u1eddi cho vay. To\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng vay, tr\u1ea3 n\u1ee3 (g\u1ed1c, l\u00e3i) gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c n\u1ec1n t\u1ea3ng giao d\u1ecbch tr\u1ef1c tuy\u1ebfn ghi nh\u1eadn v\u00e0 l\u01b0u tr\u1eef b\u1eb1ng c\u00e1c b\u1ea3ng \u0111i\u1ec7n t\u1eed, s\u1ed1 ho\u00e1. Cho vay ngang h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin, nh\u1eefng doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng theo lo\u1ea1i h\u00ecnh n\u00e0y s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Big Data \u0111\u1ec3 thu th\u1eadp t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u c\u1ee7a c\u1ea3 hai ph\u00eda ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay. 2.1.L\u1ee3i \u00edch P2P Th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ea1i c\u00e1c \u0111\u1ecba b\u00e0n m\u00e0 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u01b0a ph\u00e1t tri\u1ec3n, ng\u01b0\u1eddi d\u00e2n, c\u00e1c h\u1ed9 kinh doanh, Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME) \u00edt c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh-ng\u00e2n h\u00e0ng v\u1edbi chi ph\u00ed th\u1ea5p, \u00edt th\u1ee7 t\u1ee5c. Vi\u1ec7c th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 r\u1ebb h\u01a1n h\u00ecnh th\u1ee9c truy\u1ec1n th\u1ed1ng, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 quy\u1ec1n l\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c mu\u1ed1n vay tr\u00ean n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng. Ti\u1ebfn b\u1ed9 nhanh ch\u00f3ng c\u1ee7a khoa h\u1ecdc c\u00f4ng ngh\u1ec7, internet, thi\u1ebft b\u1ecb di \u0111\u1ed9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 d\u1eef li\u1ec7u l\u1edbn khuy\u1ebfn kh\u00edch s\u1ef1 ra \u0111\u1eddi v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7. Cho vay ngang h\u00e0ng c\u0169ng g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en. 2.2.R\u1ee7i Ro R\u1ee7i ro ch\u00ednh s\u00e1ch, khung ph\u00e1p l\u00fd, lu\u1eadt t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u00e1m s\u00e1t v\u00e0 qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng. R\u1ee7i ro cho ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay khi tham gia ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng.<\/p>\n

3.\u00a0HO\u1ea0T \u0110\u1ed8NG CHO VAY QUA APP TH\u1ef0C TR\u1ea0NG V\u00c0 NH\u1eeeNG TH\u00c1CH TH\u1ee8C T\u1ea0I VI\u1ec6T NAM<\/p>\n

3.1. L\u00e3i su\u1ea5t cho vay bao nhi\u00eau th\u00ec m\u1edbi g\u1ecdi l\u00e0 \u201ccho vay n\u1eb7ng l\u00e3i\u201d ?<\/p>\n

Theo \u0111i\u1ec1u 201 b\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 2015, s\u1eeda \u0111\u1ed5i b\u1ed5 sung 2017 cho vay v\u1edbi l\u00e3i su\u1ea5t g\u1ea5p 5 l\u1ea7n tr\u1edf l\u00ean c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t quy \u0111\u1ecbnh trong b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00f3 thu l\u1ee3i b\u1ea5t ch\u00ednh \u0111\u01b0\u1ee3c xem l\u00e0 cho vay n\u1eb7ng l\u00e3i. – C\u0103n c\u1ee9 theo \u0111i\u1ec1u 468 b\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t nh\u01b0 sau:<\/p>\n

3.1.1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. – Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c. C\u0103n c\u1ee9 t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf v\u00e0 theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7, \u1ee6y ban th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c l\u00e3i su\u1ea5t n\u00f3i tr\u00ean v\u00e0 b\u00e1o c\u00e1o Qu\u1ed1c h\u1ed9i t\u1ea1i k\u1ef3 h\u1ecdp g\u1ea7n nh\u1ea5t. – Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y th\u00ec m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

3.1.2. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t v\u00e0 c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 50% m\u1ee9c l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.<\/p>\n

3.2.Th\u1ef1c tr\u1ea1ng:<\/p>\n

3.2.1.H\u00ecnh th\u1ee9c vay th\u1ee9 1: C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay s\u1ebd t\u1ea1o c\u00e1c \u1ee9ng d\u1ee5ng ( app ) tr\u00ean \u0111i\u1ec7n tho\u1ea1i ch\u1eb3ng h\u1ea1n nh\u01b0 \u201c vay tocdo\u201d, \u201c Moreloan, \u201c VD online\u201d. C\u00e1c app n\u00e0y \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u r\u1ed9ng r\u00e3i qua c\u00e1c k\u00eanh nh\u01b0 facebook, Web \u0111\u1ec3 ng\u01b0\u1eddi vay d\u1ec5 ti\u1ebfp c\u1eadn. Khi c\u00f3 nhu c\u1ea7u th\u00ec \u1ee9ng d\u1ee5ng s\u1ebd y\u00eau c\u1ea7u ng\u01b0\u1eddi vay t\u1ea1o 1 t\u00e0i kho\u1ea3n cung c\u1ea5p th\u00f4ng tin c\u00e1 nh\u00e2n (h\u00ecnh \u1ea3nh, CMND, s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng) v\u00e0 \u0111\u1ed3ng \u00fd theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ecd, trong \u0111\u00f3 c\u00f3 \u0111i\u1ec1u kho\u1ea3n bu\u1ed9c ng\u01b0\u1eddi vay \u0111\u1ed3ng \u00fd cho \u1ee9ng d\u1ee5ng truy c\u1eadp danh b\u1ea1 tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng. Ng\u01b0\u1eddi vay th\u1ef1c t\u1ebf kh\u00f4ng \u0111\u01b0\u1ee3c vay \u0111\u00fang s\u1ed1 ti\u1ec1n m\u00e0 b\u1ecb tr\u1eeb \u0111i m\u1ed9t s\u1ed1 g\u1ecdi l\u00e0 ph\u00ed d\u1ecbch v\u1ee5 hay l\u00e3i tr\u00e3 tr\u01b0\u1edbc. N\u1ebfu ch\u1eadm tr\u1ea3 ti\u1ec1n l\u00e3i s\u1ebd ph\u1ea1t t\u1eeb 2-5% t\u00ednh ra m\u1ee9c cho vay qua \u1ee9ng d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u1ebfn 3%\/ng\u00e0y , 90%\/th\u00e1ng. Khi g\u1ea7n \u0111\u1ebfn h\u1ea1n s\u1ebd c\u00f3 nh\u00e2n vi\u00ean nh\u1eafc n\u1ee3 v\u00e0 n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u00fang s\u1ebd c\u00f3 nh\u00e2n g\u1ecdi cho ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 \u0111\u1ec3 \u0111e d\u1ecda ng\u01b0\u1eddi vay ti\u1ec1n.<\/p>\n

3.2.2.H\u00ecnh th\u1ee9c vay th\u1ee9 2: C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay s\u1ebd t\u1ea1o c\u00e1c \u1ee9ng d\u1ee5ng ( app ) tr\u00ean \u0111i\u1ec7n tho\u1ea1i. C\u00e1c app n\u00e0y \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u r\u1ed9ng r\u00e3i qua c\u00e1c k\u00eanh nh\u01b0 facebook, Web \u0111\u1ec3 ng\u01b0\u1eddi vay d\u1ec5 ti\u1ebfp c\u1eadn. C\u00e1ch v\u1eadn h\u00e0nh l\u00e0 l\u00e3i su\u1ea5t c\u00f3 v\u1ebb kh\u00f4ng cao nh\u01b0ng t\u00ednh c\u00e1c kho\u1ea3n ph\u00ed qu\u1ea3n l\u00fd, thu n\u1ee3, ph\u00ed t\u01b0 v\u1ea5n….r\u1ea5t cao. Ch\u1eb3ng h\u1ea1n, vay 4 tri\u1ec7u trong 7 ng\u00e0y v\u1edbi l\u00e3i su\u1ea5t 0,02 % \/ng\u00e0y. Nh\u01b0ng th\u1ef1c t\u1ebf nh\u1eadn ch\u1ec9 kho\u1ea3ng 2tr – 3tr \u0111\u1ed3ng do tr\u1eeb ph\u00ed qu\u1ea3n l\u00fd. Ng\u01b0\u1eddi vay ph\u1ea3i cung c\u1ea5p c\u00e1c th\u00f4ng tin v\u1ec1 CMND, \u0111i\u1ec7n tho\u1ea1i. Sau \u0111\u00f3 khi kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn sang c\u00e1c app kh\u00e1c vay, vi\u1ec7c vi\u1ec7c vay qua nhi\u1ec1u app l\u00e0m s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 s\u1ebd t\u0103ng l\u00ean nhi\u1ec1u l\u1ea7n vay 4 tr c\u00f3 th\u1ec3 t\u0103ng l\u00ean 20 tr. N\u1ebfu ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y l\u1eadp facebook \u1ea3o l\u00ean m\u1ea1ng n\u00f3i x\u1ea5u b\u00f4i nh\u1ecd, kh\u1ee7ng b\u1ed1 gia \u0111\u00ecnh ng\u01b0\u1eddi vay…. C\u00f3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng t\u1ea3i app v\u1ec1, sau \u0111\u00f3 ch\u1ec9 h\u1ecfi th\u00f4ng tin vay nh\u01b0ng sau \u0111\u00f3 \u0111\u1ed5i \u00fd kh\u00f4ng vay. Nh\u01b0ng sau \u0111\u00f3 v\u1eabn li\u00ean t\u1ee5c b\u1ecb \u0111\u00f2i n\u1ee3 v\u1edbi l\u00fd do l\u00e0 ph\u00ed t\u01b0 v\u1ea5n.<\/p>\n

3.3.Th\u00e1ch th\u1ee9c:<\/p>\n

Ch\u01b0a c\u00f3 lu\u1eadt \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u00e0 ch\u1ebf t\u00e0i nghi\u00eam kh\u1eafc v\u1edbi h\u00ecnh th\u1ee9c cho vay qua app n\u00e0y – Nhu c\u1ea7u nay c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c kho\u1ea3n ti\u00eau d\u00f9ng nh\u1ecf nh\u01b0ng c\u1ea5p thi\u1ebft tr\u01b0\u1edbc m\u1eaft v\u1eabn c\u00f2n nhi\u1ec1u. – Trong khi vay \u0111\u00f3 ch\u00ednh th\u1ed1ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u1eb7c d\u00f9 th\u1ee7 t\u1ee5c vay \u0111\u00e3 ti\u1ebft gi\u1ea3m r\u1ea5t nhi\u1ec1u nh\u01b0ng v\u1eabn kh\u00f4ng nhanh v\u00e0 \u0111\u01a1n gi\u1ea3n nh\u01b0 vay qua app, g\u00e2y t\u00e2m l\u00fd ng\u1ea1i \u0111\u1ebfn ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n<\/p>\n

4. NH\u1eacN X\u00c9T, K\u1ebeT LU\u1eacN<\/p>\n

Ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd t\u1ea1i Vi\u1ec7t Nam \u0111\u1ed1i v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh mang t\u00ednh c\u00e1ch m\u1ea1ng, \u0111\u1ed1i v\u1edbi c\u00f4ng ty cung c\u1ea5p gi\u1ea3i ph\u00e1p, ng\u01b0\u1eddi tham gia cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay. Nghi\u00ean c\u1ee9u c\u1eadp nh\u1eadt thay \u0111\u1ed5i s\u1eeda \u0111\u1ed5i Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n nghi\u00ean c\u1ee9u c\u00e1c m\u00f4 h\u00ecnh cho vay tr\u00ean th\u1ebf gi\u1edbi, kinh nghi\u1ec7m qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng n\u00e0y, t\u1eeb \u0111\u00f3 x\u00e2y d\u1ef1ng khung kh\u1ed5 ph\u00e1p l\u00fd t\u1ed1i \u01b0u \u0111\u1ec3 ph\u00e1t huy nh\u1eefng m\u1eb7t t\u00edch c\u1ef1c c\u1ee7a s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 n\u00e0y \u0110\u01b0a ra c\u00e1c quy \u0111\u1ecbnh, ch\u00ednh s\u00e1ch gi\u1ea3m thi\u1ec3u c\u00e1c r\u1ee7i ro v\u00e0 t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn c\u00e1c ch\u1ee7 th\u1ec3 tham gia, \u0111\u1ea3m b\u1ea3o an to\u00e0n cho ng\u01b0\u1eddi d\u00e2n, Doanh nghi\u1ec7p cung c\u1ea5p gi\u1ea3i ph\u00e1p v\u00e0 \u0111\u01a1n v\u1ecb cho vay, t\u1eeb \u0111\u00f3 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n \u1edf Vi\u1ec7t Nam. \u0110\u1ed1i t\u01b0\u1ee3ng tham gia (doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n), c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 v\u00e0 t\u00ednh to\u00e1n c\u1ea9n th\u1eadn \u0111\u1ec3 tr\u00e1nh r\u01a1i v\u00e0o h\u1ec7 l\u1ee5y c\u1ee7a cho vay, t\u00edn d\u1ee5ng \u0111en\u2026Trong \u0111\u00f3, ng\u01b0\u1eddi d\u00e2n, Doanh nghi\u1ec7p n\u00ean t\u00ecm hi\u1ec3u k\u0129 th\u00f4ng tin, th\u1eadn tr\u1ecdng khi tham gia c\u00e1c n\u1ec1n t\u1ea3ng cho vay.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u00c1P D\u1ee4NG C\u00d4NG NGH\u1ec6 FINTECH TRONG L\u0128NH V\u1ef0C T\u00c0I CH\u00cdNH \u00a0 1. \u1ee8NG D\u1ee4NG C\u00d4NG NGH\u1ec6 FINTECH TRONG L\u0128NH V\u1ef0C T\u00c0I CH\u00cdNH NHNN: D\u1ef1 ki\u1ebfn t\u1eeb n\u0103m 2021 s\u1ebd ch\u00ednh th\u1ee9c ti\u1ebfn h\u00e0nh ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 v\u00e0 ch\u1ea5p thu\u1eadn cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty cung \u1ee9ng gi\u1ea3i ph\u00e1p Fintech tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m ho\u1ea1t \u0111\u1ed9ng Fintech trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. Theo D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng, c\u00e1c l\u0129nh v\u1ef1c Fintech \u0111\u01b0\u1ee3c tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m Fintech bao g\u1ed3m Thanh to\u00e1n, T\u00edn d\u1ee5ng, Cho vay ngang h\u00e0ng (P2P Lending), H\u1ed7 tr\u1ee3…<\/p>\n","protected":false},"author":2,"featured_media":605,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/posts\/604"}],"collection":[{"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/comments?post=604"}],"version-history":[{"count":1,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/posts\/604\/revisions"}],"predecessor-version":[{"id":3112,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/posts\/604\/revisions\/3112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/media\/605"}],"wp:attachment":[{"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/media?parent=604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/categories?post=604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pertoo.com\/ktqt\/wp-json\/wp\/v2\/tags?post=604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}