{"id":241,"date":"2022-06-09T05:01:54","date_gmt":"2022-06-09T05:01:54","guid":{"rendered":"http:\/\/store1.failoverhosting.com.vn\/?p=241"},"modified":"2022-06-09T05:01:54","modified_gmt":"2022-06-09T05:01:54","slug":"thong-doc-nhnn-dang-nghien-cuu-hanh-lang-phap-ly-cho-tien-ao","status":"publish","type":"post","link":"https:\/\/store1.failoverhosting.com.vn\/?p=241","title":{"rendered":"Th\u1ed1ng \u0111\u1ed1c NHNN: \u0110ang nghi\u00ean c\u1ee9u h\u00e0nh lang ph\u00e1p l\u00fd cho ti\u1ec1n \u1ea3o"},"content":{"rendered":"

 <\/p>\n

\"Thong<\/a>\u1ea2nh minh h\u1ecda. (\u1ea2nh: Vietnam+)<\/div>\n

Ti\u1ebfp t\u1ee5c k\u1ef3 h\u1ecdp th\u1ee9 3, Qu\u1ed1c h\u1ed9i kh\u00f3a XV, b\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ed3ng – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 t\u1eadp trung tr\u1ea3 l\u1eddi nh\u00f3m v\u1ea5n \u0111\u1ec1 ch\u1ea5t v\u1ea5n thu\u1ed9c l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, g\u1ed3m t\u00ecnh h\u00ecnh tri\u1ec3n khai v\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ea9y nhanh vi\u1ec7c th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft s\u1ed1 43\/2022\/QH15 v\u1ec1 h\u1ed7 tr\u1ee3 ph\u1ee5c h\u1ed3i kinh t\u1ebf, l\u1ea1m ph\u00e1t, n\u1ee3 x\u1ea5u, l\u00e3i su\u1ea5t…<\/p>\n

Thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd cho vay ngang h\u00e0ng<\/strong><\/p>\n

Tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u00e1c \u0111\u1ea1i bi\u1ec3u quan t\u00e2m v\u1ec1 ho\u1ea1t \u0111\u1ed9ng\u00a0vay ngang h\u00e0ng<\/strong><\/a>\u00a0(P2P Lending<\/strong><\/a>), b\u00e0 H\u1ed3ng cho bi\u1ebft s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u00e3 cho ra \u0111\u1eddi nhi\u1ec1u s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi, trong \u0111\u00f3 c\u00f3 \u1ee9ng d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng vay ngang h\u00e0ng (P2P Lending). Tuy nhi\u00ean vi\u1ec7c thi\u1ebfu m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 g\u00e2y ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1.<\/p>\n

[Chuy\u00ean gia c\u1ea3nh b\u00e1o nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n c\u1ea3nh gi\u00e1c h\u01a1n v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed]<\/a><\/strong><\/p>\n

V\u1ec1 l\u00fd thuy\u1ebft, ho\u1ea1t \u0111\u1ed9ng P2P Lending c\u00f3 th\u1ec3 g\u00f3p ph\u1ea7n h\u1ed7 tr\u1ee3 ph\u1ed5 c\u1eadp t\u00e0i ch\u00ednh, m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng v\u00e0 t\u1ea1o th\u00eam k\u00eanh ti\u1ebfp c\u1eadn ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh, c\u00e1ch th\u1ee9c cho vay \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i. Tuy nhi\u00ean tr\u00ean th\u1ef1c ti\u1ec5n, ho\u1ea1t \u0111\u1ed9ng P2P Lending ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i, b\u1ea5t \u1ed5n \u0111\u1ebfn an sinh x\u00e3 h\u1ed9i.<\/p>\n

Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft th\u00eam \u0111\u01a1n v\u1ecb n\u00e0y \u0111ang x\u00e2y d\u1ef1ng d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ec3 ki\u1ec3m so\u00e1t. Trong th\u1eddi gian t\u1edbi, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd ti\u1ebfp t\u1ee5c ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, ng\u00e0nh \u0111\u1ec3 kh\u1ea9n tr\u01b0\u01a1ng x\u00e2y d\u1ef1ng, ho\u00e0n thi\u1ec7n v\u00e0 ban h\u00e0nh khung ph\u00e1p l\u00fd bao g\u1ed3m c\u1ea3 c\u00e1c bi\u1ec7n ph\u00e1p ch\u1ebf t\u00e0i \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

X\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd cho\u00a0ti\u1ec1n \u1ea3o<\/a><\/strong><\/p>\n

\u0110\u1ea1i bi\u1ec3u Nguy\u1ec5n Th\u00e0nh C\u00f4ng (Ninh B\u00ecnh) \u0111\u1ec1 ngh\u1ecb Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng \u0111\u01b0a ra quan \u0111i\u1ec3m c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 tri\u1ec3n khai nghi\u00ean c\u1ee9u \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia? N\u00eau r\u00f5 t\u00ecnh h\u00ecnh tri\u1ec3n khai th\u00ed \u0111i\u1ec3m th\u1eddi gian qua c\u00f3 nh\u1eefng kh\u00f3 kh\u0103n g\u00ec? Nh\u1eefng gi\u1ea3i ph\u00e1p c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 n\u00e0y, gi\u00fap ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 v\u00f9ng s\u00e2u, v\u00f9ng xa c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng thu\u1eadn l\u1ee3i?<\/p>\n

Tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y, Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng cho hay th\u1eddi gian v\u1eeba qua ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang, d\u01b0 lu\u1eadn r\u1ea5t quan t\u00e2m, khi th\u00ec \u0111\u1ec1 c\u1eadp \u0111\u1ebfn ti\u1ec1n \u0111i\u1ec7n t\u1eed, khi th\u00ec \u0111\u1ec1 c\u1eadp \u0111\u1ebfn ti\u1ec1n \u1ea3o, t\u00e0i s\u1ea3n \u1ea3o. V\u00ec v\u1eady, kh\u00e1i ni\u1ec7m n\u00e0y c\u1ea7n ph\u1ea3i l\u00e0m r\u00f5.<\/p>\n

Th\u1ed1ng \u0111\u1ed1c l\u00fd gi\u1ea3i ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00e0 th\u1ec3 hi\u1ec7n c\u1ee7a \u0111\u1ed3ng ti\u1ec1n ph\u00e1p \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng ph\u00e1t h\u00e0nh d\u01b0\u1edbi d\u1ea1ng ti\u1ec1n gi\u1ea5y, xu nh\u01b0ng ng\u01b0\u1eddi c\u1ea7m ti\u1ec1n l\u01b0u gi\u1eef d\u01b0\u1edbi d\u1ea1ng \u0111i\u1ec7n t\u1eed trong \u0111i\u1ec7n tho\u1ea1i, m\u00e1y t\u00ednh b\u1ea3ng. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u00ed \u0111i\u1ec7n t\u1eed l\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed. Ngo\u00e0i ra, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 l\u00e0m r\u00f5 kh\u00e1i ni\u1ec7m n\u00e0y.<\/p>\n

\u0110\u1ed1i v\u1edbi ti\u1ec1n thu\u1eadt to\u00e1n, hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ti\u1ec1n \u1ea3o, t\u00e0i s\u1ea3n \u1ea3o nh\u01b0 bitcoin, theo Th\u1ed1ng \u0111\u1ed1c, kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed3ng ti\u1ec1n ph\u00e1p \u0111\u1ecbnh do ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00e1c n\u01b0\u1edbc ph\u00e1t h\u00e0nh m\u00e0 do c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n t\u1ea1o ra b\u1eb1ng c\u00e1c thu\u1eadt to\u00e1n tr\u00ean m\u1ea1ng m\u00e1y t\u00ednh, nh\u01b0 Bitcoin. Th\u1ed1ng \u0111\u1ed1c n\u00eau r\u00f5 \u0111\u1ed3ng ti\u1ec1n n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn trong c\u1ed9ng \u0111\u1ed3ng nh\u1ea5t \u0111\u1ecbnh nh\u01b0 c\u1ed9ng \u0111\u1ed3ng game, s\u00e0n c\u00f4ng ngh\u1ec7…<\/p>\n

M\u1ed7i n\u01b0\u1edbc c\u00f3 c\u00e1ch qu\u1ea3n l\u00fd kh\u00e1c nhau v\u1edbi ti\u1ec1n \u1ea3o. C\u00f3 n\u01b0\u1edbc coi ti\u1ec1n \u1ea3o nh\u01b0 m\u1ed9t t\u00e0i s\u1ea3n nh\u01b0 ch\u1ee9ng kho\u00e1n \u0111\u1ec3 thu thu\u1ebf, c\u1ea5p ph\u00e9p giao d\u1ecbch. V\u1edbi Vi\u1ec7t Nam, Ch\u00ednh ph\u1ee7 giao c\u00e1c b\u1ed9 ng\u00e0nh nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd cho ti\u1ec1n \u1ea3o v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang ph\u1ed1i h\u1ee3p c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n.<\/p>\n

C\u0169ng li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a \u0111\u1ea1i bi\u1ec3u Thanh Mai (H\u00e0 N\u1ed9i) v\u1ec1 vi\u1ec7c vay qua app, trang web, b\u00e0 H\u1ed3ng cho hay ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u1edf M\u1ef9, Anh kho\u1ea3ng ch\u1ee5c n\u0103m. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, cho vay qua app, trang web lan sang c\u00e1c n\u01b0\u1edbc ch\u00e2u \u00c1, trong \u0111\u00f3, c\u00f3 Vi\u1ec7t Nam. \u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc nh\u01b0 Trung Qu\u1ed1c c\u00f3 th\u1eddi \u0111i\u1ec3m cao \u0111i\u1ec3m th\u00e0nh l\u1eadp t\u1edbi h\u00e0ng ngh\u00ecn trang web \u0111\u1ec3 th\u1ef1c hi\u1ec7n cho vay.<\/p>\n

\u0110\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 k\u1ebft n\u1ed1i ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay. Tuy nhi\u00ean, trong th\u1ef1c ti\u1ec5n tri\u1ec3n khai \u1edf m\u1ed9t s\u1ed1 n\u01b0\u1edbc ch\u00e2u \u00c1 xu\u1ea5t hi\u1ec7n vi\u1ec7c kh\u00f4ng t\u00e1ch b\u1ea1ch ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi cho vay, \u0111i vay v\u00e0 ng\u01b0\u1eddi l\u1eadp ra trang, s\u00e0n \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 ng\u01b0\u1eddi \u0111i vay ho\u1eb7c cho vay, g\u00e2y m\u1ea5t an to\u00e0n, tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i. Do \u0111\u00f3, m\u1ed9t s\u1ed1 n\u01b0\u1edbc \u0111\u00e3 ti\u1ebfn h\u00e0nh c\u00e1c bi\u1ec7n ph\u00e1p si\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n

\u1ede trong n\u01b0\u1edbc, Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u00ec c\u00f9ng c\u00e1c b\u1ed9, ng\u00e0nh nghi\u00ean c\u1ee9u v\u00e0 qua kh\u1ea3o s\u00e1t x\u00e1c \u0111\u1ecbnh c\u00f3 c\u00e1c t\u1ed5 ch\u1ee9c xu\u1ea5t hi\u1ec7n cho vay qua app, web. Hi\u1ec7n \u0111ang d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u1ec3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 an to\u00e0n, hi\u1ec7u qu\u1ea3, h\u1ea1n ch\u1ebf r\u1ee7i ro ph\u00e1t sinh.\/.<\/p>\n","protected":false},"excerpt":{"rendered":"

  \u1ea2nh minh h\u1ecda. (\u1ea2nh: Vietnam+) Ti\u1ebfp t\u1ee5c k\u1ef3 h\u1ecdp th\u1ee9 3, Qu\u1ed1c h\u1ed9i kh\u00f3a XV, b\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ed3ng – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 t\u1eadp trung tr\u1ea3 l\u1eddi nh\u00f3m v\u1ea5n \u0111\u1ec1 ch\u1ea5t v\u1ea5n thu\u1ed9c l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, g\u1ed3m t\u00ecnh h\u00ecnh tri\u1ec3n khai v\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ea9y nhanh vi\u1ec7c th\u1ef1c hi\u1ec7n […]<\/p>\n","protected":false},"author":1,"featured_media":242,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[67],"class_list":["post-241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-tien-ao"],"_links":{"self":[{"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=241"}],"version-history":[{"count":1,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/241\/revisions"}],"predecessor-version":[{"id":243,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/241\/revisions\/243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=\/wp\/v2\/media\/242"}],"wp:attachment":[{"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/store1.failoverhosting.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}