{"id":4173,"date":"2025-09-27T14:38:59","date_gmt":"2025-09-27T07:08:59","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4173"},"modified":"2025-09-30T17:44:17","modified_gmt":"2025-09-30T10:14:17","slug":"nghi-dinh-94-2025-nd-cp-co-che-thu-nghiem-co-kiem-soat-trong-linh-vuc-ngan-hang","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4173","title":{"rendered":"Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"263\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"39\" data-end=\"66\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong> \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d \u2014 g\u1ed3m c\u00e1c n\u1ed9i dung ch\u00ednh, \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd, c\u01a1 h\u1ed9i &amp; th\u00e1ch th\u1ee9c, v\u00e0 g\u1ee3i \u00fd cho vi\u1ec7c \u1ee9ng d\u1ee5ng trong l\u0129nh v\u1ef1c ph\u00e1p l\u00fd \/ fintech \/ t\u00e0i s\u1ea3n s\u1ed1.<\/span><\/p>\n<hr data-start=\"268\" data-end=\"271\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"273\" data-end=\"295\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">I. Gi\u1edbi thi\u1ec7u chung<\/span><\/h2>\n<ul style=\"text-align: justify;\" data-start=\"297\" data-end=\"1316\">\n<li data-start=\"297\" data-end=\"474\">\n<p data-start=\"299\" data-end=\"474\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"299\" data-end=\"313\">T\u00ean \u0111\u1ea7y \u0111\u1ee7<\/strong>: Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 <strong data-start=\"328\" data-end=\"374\">94\/2025\/N\u0110-CP ng\u00e0y 29\/4\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7<\/strong> 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.<\/span><\/p>\n<\/li>\n<li data-start=\"475\" data-end=\"563\">\n<p data-start=\"477\" data-end=\"563\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"477\" data-end=\"498\">Hi\u1ec7u l\u1ef1c thi h\u00e0nh<\/strong>: t\u1eeb ng\u00e0y <strong data-start=\"508\" data-end=\"522\">01\/07\/2025<\/strong>.<\/span><\/p>\n<\/li>\n<li data-start=\"475\" data-end=\"563\">\n<p data-start=\"477\" data-end=\"563\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"566\" data-end=\"596\">C\u01a1 quan ch\u1ee7 tr\u00ec \/ ban h\u00e0nh<\/strong>: do Ch\u00ednh ph\u1ee7 ban h\u00e0nh, theo \u0111\u1ec1 ngh\u1ecb c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Tien-te-Ngan-hang\/Nghi-dinh-94-2025-ND-CP-Co-che-thu-nghiem-co-kiem-soat-trong-linh-vuc-ngan-hang-584706.aspx?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">T<\/span><\/span><\/span><\/a><\/span><\/span><\/span><\/p>\n<\/li>\n<li data-start=\"475\" data-end=\"563\">\n<p data-start=\"477\" data-end=\"563\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"719\" data-end=\"741\">M\u1ee5c \u0111\u00edch \/ S\u1ee9 m\u1ec7nh<\/strong><\/span><\/p>\n<ul data-start=\"746\" data-end=\"1316\">\n<li data-start=\"746\" data-end=\"970\">\n<p data-start=\"748\" data-end=\"970\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ea1o v\u00f9ng th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (\u201csandbox\u201d) cho c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, m\u00f4 h\u00ecnh kinh doanh m\u1edbi trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh s\u1ed1, \u0111\u1eb7c bi\u1ec7t \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech).<\/span><\/p>\n<\/li>\n<li data-start=\"973\" data-end=\"1144\">\n<p data-start=\"975\" data-end=\"1144\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Gi\u00fap \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, hi\u1ec7u qu\u1ea3, chi ph\u00ed, l\u1ee3i \u00edch th\u1ef1c t\u1ebf c\u1ee7a c\u00e1c gi\u1ea3i ph\u00e1p m\u1edbi trong m\u00f4i tr\u01b0\u1eddng h\u1ea1n ch\u1ebf tr\u01b0\u1edbc khi m\u1edf r\u1ed9ng quy m\u00f4<\/span><\/p>\n<\/li>\n<li data-start=\"973\" data-end=\"1144\">\n<p data-start=\"975\" data-end=\"1144\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ed7 tr\u1ee3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng, th\u00fac \u0111\u1ea9y ph\u1ed5 c\u1eadp t\u00e0i ch\u00ednh, h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng.\\<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr data-start=\"1318\" data-end=\"1321\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"1323\" data-end=\"1344\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">II. N\u1ed9i dung ch\u00ednh<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"1346\" data-end=\"1482\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u2014 kh\u00f4ng tr\u00edch t\u1eebng \u0111i\u1ec1u chi ti\u1ebft, m\u00e0 t\u00f3m g\u1ecdn c\u00e1c quy \u0111\u1ecbnh c\u1ea5u th\u00e0nh, k\u00e8m ph\u00e2n t\u00edch th\u1ef1c ti\u1ec5n.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"1487\" data-end=\"1521\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">1. Ph\u1ea1m vi \u00e1p d\u1ee5ng &amp; \u0111\u1ed1i t\u01b0\u1ee3ng<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"1523\" data-end=\"3134\">\n<li data-start=\"1523\" data-end=\"2099\">\n<p data-start=\"1525\" data-end=\"2099\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1525\" data-end=\"1547\">Ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh<\/strong>:<\/span><br data-start=\"1548\" data-end=\"1551\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t \u0111\u1ed1i v\u1edbi vi\u1ec7c th\u1eed nghi\u1ec7m s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, m\u00f4 h\u00ecnh m\u1edbi s\u1eed d\u1ee5ng gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/span><br data-start=\"1769\" data-end=\"1772\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c gi\u1ea3i ph\u00e1p Fintech \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea c\u1ee5 th\u1ec3 bao g\u1ed3m:<\/span><br data-start=\"1824\" data-end=\"1827\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">a) Ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng (credit scoring)<\/span><br data-start=\"1905\" data-end=\"1908\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">b) Chia s\u1ebb d\u1eef li\u1ec7u th\u00f4ng qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf (Open API)<\/span><br data-start=\"2019\" data-end=\"2022\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">c) Cho vay ngang h\u00e0ng (P2P Lending)<\/span><\/p>\n<\/li>\n<li data-start=\"2101\" data-end=\"2734\">\n<p data-start=\"2103\" data-end=\"2127\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2103\" data-end=\"2124\">\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/strong>:<\/span><\/p>\n<ul data-start=\"2130\" data-end=\"2734\">\n<li data-start=\"2130\" data-end=\"2366\">\n<p data-start=\"2132\" data-end=\"2366\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) \u2014 nh\u01b0ng <strong data-start=\"2222\" data-end=\"2272\">kh\u00f4ng \u00e1p d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng<\/strong> n\u1ebfu t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tham gia (theo quy \u0111\u1ecbnh ri\u00eang) <\/span><\/p>\n<\/li>\n<li data-start=\"2130\" data-end=\"2366\">\n<p data-start=\"2132\" data-end=\"2366\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00f4ng ty Fintech (kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng), n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n \u0111\u0103ng k\u00fd h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam, c\u00f3 n\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ph\u1ed1i h\u1ee3p ho\u1eb7c t\u1ef1 tri\u1ec3n khai gi\u1ea3i ph\u00e1p Fintech. <\/span><\/p>\n<\/li>\n<li data-start=\"2130\" data-end=\"2366\">\n<p data-start=\"2132\" data-end=\"2366\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n, kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 li\u00ean quan \u0111\u1ebfn qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"2736\" data-end=\"3134\">\n<p data-start=\"2738\" data-end=\"3134\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2738\" data-end=\"2759\">Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef<\/strong>:<\/span><br data-start=\"2760\" data-end=\"2763\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ecbnh ngh\u0129a \u201cc\u00f4ng ty Fintech\u201d l\u00e0 t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed9c l\u1eadp cung \u1ee9ng gi\u1ea3i ph\u00e1p Fintech ho\u1eb7c h\u1ee3p t\u00e1c v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 cung \u1ee9ng d\u1ecbch v\u1ee5.<\/span><br data-start=\"2973\" data-end=\"2976\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u0169ng c\u00f3 quy \u0111\u1ecbnh r\u00f5 \u201cgi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh\u201d \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh s\u1ea3n ph\u1ea9m \/ d\u1ecbch v\u1ee5 m\u1edbi c\u00f3 th\u1ec3 tham gia th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"3136\" data-end=\"3139\" \/>\n<h3 style=\"text-align: justify;\" data-start=\"3141\" data-end=\"3189\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">2. Th\u1eddi h\u1ea1n, kh\u00f4ng gian &amp; ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"3191\" data-end=\"4820\">\n<li data-start=\"3191\" data-end=\"3795\">\n<p data-start=\"3193\" data-end=\"3795\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3193\" data-end=\"3217\">Th\u1eddi gian th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"3217\" data-end=\"3220\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Th\u1eddi h\u1ea1n t\u1ed1i \u0111a cho m\u1ed9t gi\u1ea3i ph\u00e1p Fintech tham gia th\u1eed nghi\u1ec7m l\u00e0 <strong data-start=\"3287\" data-end=\"3296\">2 n\u0103m<\/strong>, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p <strong data-start=\"3339\" data-end=\"3378\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn tham gia th\u1eed nghi\u1ec7m<\/strong>.<\/span><br data-start=\"3419\" data-end=\"3422\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Th\u1eddi h\u1ea1n th\u1eed nghi\u1ec7m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c <strong data-start=\"3456\" data-end=\"3467\">gia h\u1ea1n<\/strong> n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh (c\u00e1c \u0111i\u1ec1u ch\u1ec9nh, b\u00e1o c\u00e1o, \u0111\u00e1nh gi\u00e1).\u00a0<\/span><br data-start=\"3594\" data-end=\"3597\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p c\u1ee7a doanh nghi\u1ec7p\/ng\u00e2n h\u00e0ng (n\u1ebfu c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 gi\u1ea5y ph\u00e9p, \u0111\u0103ng k\u00fd kinh doanh).<\/span><\/p>\n<\/li>\n<li data-start=\"3797\" data-end=\"4015\">\n<p data-start=\"3799\" data-end=\"4015\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3799\" data-end=\"3824\">Kh\u00f4ng gian th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"3824\" data-end=\"3827\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Vi\u1ec7c th\u1eed nghi\u1ec7m ph\u1ea3i di\u1ec5n ra <strong data-start=\"3858\" data-end=\"3884\">tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam<\/strong>, kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u1eed nghi\u1ec7m xuy\u00ean bi\u00ean gi\u1edbi (v\u00ed d\u1ee5 t\u1eeb Vi\u1ec7t Nam sang qu\u1ed1c gia kh\u00e1c).<\/span><\/p>\n<\/li>\n<li data-start=\"4017\" data-end=\"4820\">\n<p data-start=\"4019\" data-end=\"4820\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4019\" data-end=\"4041\">Ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"4041\" data-end=\"4044\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m ch\u1ec9 \u0111\u01b0\u1ee3c cung \u1ee9ng gi\u1ea3i ph\u00e1p Fintech <strong data-start=\"4101\" data-end=\"4132\">trong ph\u1ea1m vi \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p<\/strong> t\u1ea1i Gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m. M\u1ed7i gi\u1ea3i ph\u00e1p \u0111\u0103ng k\u00fd th\u1eed nghi\u1ec7m c\u00f3 th\u1ec3 c\u00f3 ph\u1ea1m vi h\u1eb9p ho\u1eb7c r\u1ed9ng t\u00f9y h\u1ed3 s\u01a1 \u0111\u1ec1 ngh\u1ecb v\u00e0 x\u00e9t duy\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.\u00a0<\/span><br data-start=\"4324\" data-end=\"4327\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u1ed1i v\u1edbi <strong data-start=\"4337\" data-end=\"4373\">cho vay ngang h\u00e0ng (P2P Lending)<\/strong>, Ngh\u1ecb \u0111\u1ecbnh \u0111\u1eb7t ra gi\u1edbi h\u1ea1n nghi\u00eam ng\u1eb7t: gi\u1ea3i ph\u00e1p ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong ph\u1ea1m vi th\u1eed nghi\u1ec7m; c\u00f4ng ty P2P kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 cung c\u1ea5p bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay; kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p gi\u1ea3i ph\u00e1p cho vay ngang h\u00e0ng cho c\u00f4ng ty c\u1ea7m \u0111\u1ed3; giao d\u1ecbch thanh to\u00e1n, gi\u1ea3i ng\u00e2n, l\u00e3i, ph\u00ed ph\u1ea3i th\u1ef1c hi\u1ec7n qua t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c qua v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"4822\" data-end=\"4825\" \/>\n<h3 style=\"text-align: justify;\" data-start=\"4827\" data-end=\"4891\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">3. \u0110i\u1ec1u ki\u1ec7n tham gia, c\u1ea5p ph\u00e9p &amp; gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"4893\" data-end=\"6637\">\n<li data-start=\"4893\" data-end=\"5604\">\n<p data-start=\"4895\" data-end=\"5604\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4895\" data-end=\"4929\">\u0110i\u1ec1u ki\u1ec7n &amp; ti\u00eau ch\u00ed x\u00e9t duy\u1ec7t<\/strong> (\u0110i\u1ec1u 8, 11 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh)<\/span><br data-start=\"4956\" data-end=\"4959\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c t\u1ed5 ch\u1ee9c mu\u1ed1n tham gia th\u1eed nghi\u1ec7m ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed k\u1ef9 thu\u1eadt, qu\u1ea3n l\u00fd r\u1ee7i ro, b\u1ea3o m\u1eadt, nh\u00e2n s\u1ef1, t\u00e0i ch\u00ednh, m\u00f4 h\u00ecnh kinh doanh r\u00f5 r\u00e0ng.\u00a0<\/span><br data-start=\"5146\" data-end=\"5149\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u1ee5 th\u1ec3, ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt ho\u1eb7c Gi\u00e1m \u0111\u1ed1c\/T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a t\u1ed5 ch\u1ee9c tham gia ph\u1ea3i c\u00f3 tr\u00ecnh \u0111\u1ed9 \u0111\u1ea1i h\u1ecdc (ng\u00e0nh kinh t\u1ebf, qu\u1ea3n tr\u1ecb kinh doanh, lu\u1eadt ho\u1eb7c c\u00f4ng ngh\u1ec7 th\u00f4ng tin) v\u00e0 c\u00f3 \u00edt nh\u1ea5t 2 n\u0103m kinh nghi\u1ec7m qu\u1ea3n l\u00fd trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh\/ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.\u00a0<\/span><br data-start=\"5471\" data-end=\"5474\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m ph\u1ea3i cam k\u1ebft duy tr\u00ec c\u00e1c \u0111i\u1ec1u ki\u1ec7n trong su\u1ed1t qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"5606\" data-end=\"6637\">\n<p data-start=\"5608\" data-end=\"6637\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5608\" data-end=\"5647\">Th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd &amp; th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p<\/strong><\/span><br data-start=\"5647\" data-end=\"5650\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ed3 s\u01a1 \u0111\u1ec1 ngh\u1ecb th\u1eed nghi\u1ec7m g\u1eedi cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo m\u1eabu quy \u0111\u1ecbnh (c\u00f3 c\u00e1c m\u1eabu \u0111\u00ednh k\u00e8m) trong Ngh\u1ecb \u0111\u1ecbnh.\u00a0<\/span><br data-start=\"5800\" data-end=\"5803\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i x\u00e1c nh\u1eadn ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 trong 5 ng\u00e0y l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u1ee7 h\u1ed3 s\u01a1.\u00a0<\/span><br data-start=\"5940\" data-end=\"5943\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 k\u00e9o d\u00e0i t\u1ed1i \u0111a 90 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y x\u00e1c nh\u1eadn ti\u1ebfp nh\u1eadn.<\/span><br data-start=\"6064\" data-end=\"6067\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">N\u1ebfu h\u1ed3 s\u01a1 \u0111\u1ea1t y\u00eau c\u1ea7u, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p <strong data-start=\"6115\" data-end=\"6161\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m<\/strong> trong th\u1eddi h\u1ea1n n\u00e0y; n\u1ebfu kh\u00f4ng, tr\u1ea3 l\u1eddi b\u1eb1ng v\u0103n b\u1ea3n, n\u00eau l\u00fd do.\u00a0<\/span><br data-start=\"6265\" data-end=\"6268\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Sau khi nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea5y ch\u1ee9ng nh\u1eadn, t\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m c\u00f3 <strong data-start=\"6327\" data-end=\"6338\">90 ng\u00e0y<\/strong> \u0111\u1ec3 b\u1eaft \u0111\u1ea7u tri\u1ec3n khai th\u1eed nghi\u1ec7m gi\u1ea3i ph\u00e1p theo ph\u1ea1m vi c\u1ea5p ph\u00e9p.<\/span><br data-start=\"6444\" data-end=\"6447\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">N\u1ebfu sau 30 ng\u00e0y k\u1ec3 t\u1eeb c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn m\u00e0 t\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m ch\u01b0a \u0111\u01b0a d\u1ecbch v\u1ee5 ra th\u1eed nghi\u1ec7m, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 thu h\u1ed3i gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"6639\" data-end=\"6642\" \/>\n<h3 style=\"text-align: justify;\" data-start=\"6644\" data-end=\"6689\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">4. Gi\u00e1m s\u00e1t, \u0111\u00e1nh gi\u00e1, thu h\u1ed3i th\u1eed nghi\u1ec7m<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"6691\" data-end=\"7895\">\n<li data-start=\"6691\" data-end=\"7384\">\n<p data-start=\"6693\" data-end=\"7384\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6693\" data-end=\"6737\">Gi\u00e1m s\u00e1t &amp; ki\u1ec3m tra qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"6737\" data-end=\"6740\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thu th\u1eadp t\u00e0i li\u1ec7u, b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3, ki\u1ec3m tra t\u1ea1i ch\u1ed7 khi c\u1ea7n; \u0111\u00e1nh gi\u00e1 t\u00ednh h\u1ee3p l\u00fd c\u1ee7a d\u1eef li\u1ec7u, th\u00f4ng tin do t\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m cung c\u1ea5p; y\u00eau c\u1ea7u gi\u1ea3i tr\u00ecnh n\u1ebfu ph\u00e1t hi\u1ec7n sai s\u00f3t; c\u1ea3nh b\u00e1o khi c\u00f3 r\u1ee7i ro.<\/span><br data-start=\"7004\" data-end=\"7007\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c t\u1ed5 ch\u1ee9c Fintech ph\u1ea3i cung c\u1ea5p b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3 (h\u00e0ng qu\u00fd) v\u1ec1 c\u00e1c ch\u1ec9 ti\u00eau ho\u1ea1t \u0111\u1ed9ng, r\u1ee7i ro ph\u00e1t sinh, k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m, theo m\u1eabu ph\u1ee5 l\u1ee5c quy \u0111\u1ecbnh trong Ngh\u1ecb \u0111\u1ecbnh.<\/span><br data-start=\"7217\" data-end=\"7220\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">N\u1ebfu ph\u00e1t hi\u1ec7n vi ph\u1ea1m ho\u1eb7c r\u1ee7i ro l\u1edbn, NHNN c\u00f3 th\u1ec3 \u0111\u00ecnh ch\u1ec9 th\u1eed nghi\u1ec7m ho\u1eb7c thu h\u1ed3i gi\u1ea5y ch\u1ee9ng nh\u1eadn tham gia th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<li data-start=\"7386\" data-end=\"7895\">\n<p data-start=\"7388\" data-end=\"7895\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7388\" data-end=\"7437\">K\u1ebft th\u00fac th\u1eed nghi\u1ec7m \/ thu h\u1ed3i gi\u1ea5y ch\u1ee9ng nh\u1eadn<\/strong><\/span><br data-start=\"7437\" data-end=\"7440\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Khi th\u1eed nghi\u1ec7m k\u1ebft th\u00fac ho\u1eb7c b\u1ecb thu h\u1ed3i, t\u1ed5 ch\u1ee9c tham gia ph\u1ea3i tri\u1ec3n khai th\u1ee7 t\u1ee5c ch\u1ea5m d\u1ee9t th\u1eed nghi\u1ec7m, ho\u00e0n t\u1ea5t ngh\u0129a v\u1ee5, th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.\u00a0<\/span><br data-start=\"7650\" data-end=\"7653\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">N\u1ebfu t\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m b\u1ecb thu h\u1ed3i gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c mu\u1ed1n d\u1eebng th\u1eed nghi\u1ec7m, ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 t\u1ea5t to\u00e1n, chuy\u1ec3n giao c\u00e1c quy\u1ec1n l\u1ee3i, x\u1eed l\u00fd r\u1ee7i ro cho kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"7897\" data-end=\"7900\" \/>\n<h3 style=\"text-align: justify;\" data-start=\"7902\" data-end=\"7960\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">5. Quy\u1ec1n &amp; tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1ed5 ch\u1ee9c tham gia th\u1eed nghi\u1ec7m<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"7962\" data-end=\"8959\">\n<li data-start=\"7962\" data-end=\"8279\">\n<p data-start=\"7964\" data-end=\"8279\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7964\" data-end=\"7973\">Quy\u1ec1n<\/strong><\/span><br data-start=\"7973\" data-end=\"7976\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ph\u00e9p th\u1eed nghi\u1ec7m trong ph\u1ea1m vi ghi trong gi\u1ea5y ch\u1ee9ng nh\u1eadn; thu ph\u00ed d\u1ecbch v\u1ee5 trong ph\u1ea1m vi th\u1eed nghi\u1ec7m; \u00e1p d\u1ee5ng m\u00f4 h\u00ecnh, c\u00f4ng ngh\u1ec7 m\u1edbi trong ph\u1ea1m vi th\u1eed nghi\u1ec7m. (Nguy\u00ean t\u1eafc: \u0111\u01b0\u1ee3c quy\u1ec1n th\u1eed nghi\u1ec7m nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00e1p d\u1ee5ng ngo\u00e0i ph\u1ea1m vi \u0111\u00e3 cho ph\u00e9p.)<\/span><\/p>\n<\/li>\n<li data-start=\"8281\" data-end=\"8959\">\n<p data-start=\"8283\" data-end=\"8300\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8283\" data-end=\"8298\">Tr\u00e1ch nhi\u1ec7m<\/strong><\/span><\/p>\n<ul data-start=\"8303\" data-end=\"8959\">\n<li data-start=\"8303\" data-end=\"8474\">\n<p data-start=\"8305\" data-end=\"8474\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Tu\u00e2n th\u1ee7 n\u1ed9i dung \u0111\u1ec1 \u00e1n th\u1eed nghi\u1ec7m, duy tr\u00ec c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u1ef9 thu\u1eadt, b\u1ea3o m\u1eadt, an ninh m\u1ea1ng, qu\u1ea3n l\u00fd r\u1ee7i ro, minh b\u1ea1ch th\u00f4ng tin.<\/span><\/p>\n<\/li>\n<li data-start=\"8303\" data-end=\"8474\">\n<p data-start=\"8305\" data-end=\"8474\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">X\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng (KYC), qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng t\u00e1ch b\u1ea1ch v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a t\u1ed5 ch\u1ee9c, gi\u00e1m s\u00e1t giao d\u1ecbch, \u0111\u1ea3m b\u1ea3o an to\u00e0n h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"8688\" data-end=\"8796\">\n<p data-start=\"8690\" data-end=\"8796\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">B\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3 &amp; \u0111\u1ed9t xu\u1ea5t cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo quy \u0111\u1ecbnh.<\/span><\/p>\n<\/li>\n<li data-start=\"8799\" data-end=\"8959\">\n<p data-start=\"8801\" data-end=\"8959\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c thi\u1ec7t h\u1ea1i (n\u1ebfu c\u00f3) ph\u00e1t sinh trong ph\u1ea1m vi th\u1eed nghi\u1ec7m do vi ph\u1ea1m quy \u0111\u1ecbnh ho\u1eb7c l\u1ed7i h\u1ec7 th\u1ed1ng.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr data-start=\"8961\" data-end=\"8964\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"8966\" data-end=\"9005\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">III. Ph\u00e2n t\u00edch \u2013 C\u01a1 h\u1ed9i &amp; Th\u00e1ch th\u1ee9c<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"9007\" data-end=\"9135\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 \u0111\u00e1nh gi\u00e1 v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 94\/2025, c\u00e1c c\u01a1 h\u1ed9i m\u1edf ra v\u00e0 nh\u1eefng \u0111i\u1ec3m kh\u00f3 kh\u0103n doanh nghi\u1ec7p, ph\u00e1p l\u00fd c\u1ea7n l\u01b0u \u00fd.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"9140\" data-end=\"9150\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u01a1 h\u1ed9i<\/span><\/h3>\n<ol style=\"text-align: justify;\" data-start=\"9152\" data-end=\"10439\">\n<li data-start=\"9152\" data-end=\"9473\">\n<p data-start=\"9155\" data-end=\"9473\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9155\" data-end=\"9194\">Khung ph\u00e1p l\u00fd minh b\u1ea1ch cho Fintech<\/strong><\/span><br data-start=\"9194\" data-end=\"9197\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94 ch\u00ednh th\u1ee9c \u0111\u01b0a \u201csandbox\u201d v\u00e0o l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 \u0111i\u1ec1u m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y nhi\u1ec1u c\u00f4ng ngh\u1ec7 m\u1edbi r\u01a1i v\u00e0o v\u00f9ng \u201ckh\u00f4ng r\u00f5\u201d v\u1ec1 ph\u00e1p l\u00fd. \u0110i\u1ec1u n\u00e0y t\u1ea1o ni\u1ec1m tin cho c\u00e1c doanh nghi\u1ec7p fintech \u0111\u0103ng k\u00fd th\u1eed nghi\u1ec7m m\u00e0 kh\u00f4ng lo b\u1ecb c\u1ea5m \u0111o\u00e1n.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"9475\" data-end=\"9705\">\n<p data-start=\"9478\" data-end=\"9705\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9478\" data-end=\"9522\">Gi\u1ea3m r\u1ee7i ro khi th\u1eed nghi\u1ec7m c\u00f4ng ngh\u1ec7 m\u1edbi<\/strong><\/span><br data-start=\"9522\" data-end=\"9525\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Trong giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m, t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh, gi\u00e1m s\u00e1t, ph\u00e1t hi\u1ec7n sai s\u00f3t, r\u00fat kinh nghi\u1ec7m tr\u01b0\u1edbc khi m\u1edf r\u1ed9ng \u2013 h\u1ea1n ch\u1ebf thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng v\u00e0 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/span><\/p>\n<\/li>\n<li data-start=\"9707\" data-end=\"9981\">\n<p data-start=\"9710\" data-end=\"9981\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9710\" data-end=\"9760\">C\u01a1 s\u1edf d\u1eef li\u1ec7u th\u1ef1c ti\u1ec5n \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh quy \u0111\u1ecbnh<\/strong><\/span><br data-start=\"9760\" data-end=\"9763\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m s\u1ebd tr\u1edf th\u00e0nh ngu\u1ed3n d\u1eef li\u1ec7u cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc kh\u00e1c \u0111\u1ec3 ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd cho fintech, t\u00e0i s\u1ea3n s\u1ed1, thanh to\u00e1n s\u1ed1 sau n\u00e0y.<\/span><\/p>\n<\/li>\n<li data-start=\"9983\" data-end=\"10249\">\n<p data-start=\"9986\" data-end=\"10249\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9986\" data-end=\"10034\">Th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 &amp; t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n<\/strong><\/span><br data-start=\"10034\" data-end=\"10037\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">V\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p nh\u01b0 ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, chia s\u1ebb d\u1eef li\u1ec7u Open API, cho vay ngang h\u00e0ng, c\u00e1c nh\u00f3m ng\u01b0\u1eddi d\u00e2n ch\u01b0a ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 t\u1ed1t h\u01a1n.<\/span><\/p>\n<\/li>\n<li data-start=\"10251\" data-end=\"10439\">\n<p data-start=\"10254\" data-end=\"10439\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10254\" data-end=\"10281\">C\u01a1 h\u1ed9i ph\u00e1p l\u00fd \/ t\u01b0 v\u1ea5n<\/strong><\/span><br data-start=\"10281\" data-end=\"10284\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c c\u00f4ng ty lu\u1eadt, t\u01b0 v\u1ea5n fintech c\u00f3 d\u1ecbp t\u1eadp trung h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p trong \u0111\u0103ng k\u00fd sandbox, tu\u00e2n th\u1ee7 lu\u1eadt c\u00f4ng ngh\u1ec7, b\u1ea3o m\u1eadt, h\u1ee3p \u0111\u1ed3ng, x\u1eed l\u00fd r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<\/ol>\n<h3 style=\"text-align: justify;\" data-start=\"10441\" data-end=\"10464\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Th\u00e1ch th\u1ee9c &amp; r\u1ee7i ro<\/span><\/h3>\n<ol style=\"text-align: justify;\" data-start=\"10466\" data-end=\"11741\">\n<li data-start=\"10466\" data-end=\"10656\">\n<p data-start=\"10469\" data-end=\"10656\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10469\" data-end=\"10505\">\u0110i\u1ec1u ki\u1ec7n k\u1ef9 thu\u1eadt cao \/ v\u1ed1n l\u1edbn<\/strong><\/span><br data-start=\"10505\" data-end=\"10508\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c ti\u00eau ch\u00ed tham gia sandbox s\u1ebd \u0111\u00f2i h\u1ecfi c\u00f4ng ngh\u1ec7 t\u1ed1t, b\u1ea3o m\u1eadt cao, \u0111\u1ed9i ng\u0169 nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng, h\u1ea1 t\u1ea7ng \u1ed5n \u0111\u1ecbnh \u2013 l\u00e0 r\u00e0o c\u1ea3n cho startup nh\u1ecf.<\/span><\/p>\n<\/li>\n<li data-start=\"10658\" data-end=\"10833\">\n<p data-start=\"10661\" data-end=\"10833\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10661\" data-end=\"10705\">Quy m\u00f4 gi\u1edbi h\u1ea1n &amp; ph\u1ea1m vi th\u1eed nghi\u1ec7m nh\u1ecf<\/strong><\/span><br data-start=\"10705\" data-end=\"10708\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Do b\u1ecb gi\u1edbi h\u1ea1n ph\u1ea1m vi v\u00e0 trong th\u1eddi gian th\u1eed nghi\u1ec7m, t\u1ed5 ch\u1ee9c kh\u00f3 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 \u1edf quy m\u00f4 l\u1edbn ho\u1eb7c m\u1edf r\u1ed9ng li\u1ec1n m\u1ea1ch.<\/span><\/p>\n<\/li>\n<li data-start=\"10835\" data-end=\"11041\">\n<p data-start=\"10838\" data-end=\"11041\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10838\" data-end=\"10884\">R\u1ee7i ro ph\u00e1p l\u00fd n\u1ebfu v\u01b0\u1ee3t ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"10884\" data-end=\"10887\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">N\u1ebfu t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ngo\u00e0i ph\u1ea1m vi c\u1ea5p ph\u00e9p ho\u1eb7c kh\u00f4ng tu\u00e2n th\u1ee7 \u0111i\u1ec1u ki\u1ec7n, c\u00f3 th\u1ec3 b\u1ecb thu h\u1ed3i gi\u1ea5y ch\u1ee9ng nh\u1eadn, b\u1ecb x\u1eed l\u00fd theo ph\u00e1p lu\u1eadt.<\/span><\/p>\n<\/li>\n<li data-start=\"11043\" data-end=\"11268\">\n<p data-start=\"11046\" data-end=\"11268\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11046\" data-end=\"11088\">Kh\u1ea3 n\u0103ng \u0111\u00ecnh ch\u1ec9 \/ thu h\u1ed3i th\u1eed nghi\u1ec7m<\/strong><\/span><br data-start=\"11088\" data-end=\"11091\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ec1n \u0111\u00ecnh ch\u1ec9 th\u1eed nghi\u1ec7m n\u1ebfu ph\u00e1t hi\u1ec7n r\u1ee7i ro cao ho\u1eb7c vi ph\u1ea1m \u2014 \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y m\u1ea5t ni\u1ec1m tin cho doanh nghi\u1ec7p n\u1ebfu kh\u00f4ng minh b\u1ea1ch trong qu\u1ea3n l\u00fd.<\/span><\/p>\n<\/li>\n<li data-start=\"11270\" data-end=\"11483\">\n<p data-start=\"11273\" data-end=\"11483\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11273\" data-end=\"11311\">T\u01b0\u01a1ng th\u00edch v\u1edbi quy \u0111\u1ecbnh li\u00ean quan<\/strong><\/span><br data-start=\"11311\" data-end=\"11314\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Sandbox ng\u00e2n h\u00e0ng ph\u1ea3i t\u01b0\u01a1ng th\u00edch v\u1edbi lu\u1eadt v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u, an ninh m\u1ea1ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, thanh to\u00e1n \u0111i\u1ec7n t\u1eed \u2014 c\u00f3 th\u1ec3 x\u1ea3y ra m\u00e2u thu\u1eabn ho\u1eb7c ch\u1ed3ng ch\u00e9o quy \u0111\u1ecbnh.<\/span><\/p>\n<\/li>\n<li data-start=\"11485\" data-end=\"11741\">\n<p data-start=\"11488\" data-end=\"11741\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11488\" data-end=\"11534\">Chuy\u1ec3n t\u1eeb th\u1eed nghi\u1ec7m sang v\u1eadn h\u00e0nh th\u1ef1c t\u1ebf<\/strong><\/span><br data-start=\"11534\" data-end=\"11537\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Khi th\u1eed nghi\u1ec7m th\u00e0nh c\u00f4ng, vi\u1ec7c m\u1edf r\u1ed9ng quy m\u00f4, chuy\u1ec3n m\u00f4 h\u00ecnh th\u1eed nghi\u1ec7m sang h\u00ecnh th\u1ee9c kinh doanh ch\u00ednh c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh gi\u1ea5y ph\u00e9p, tu\u00e2n th\u1ee7 \u0111\u1ea7y \u0111\u1ee7 quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng \u2013 \u0111\u00e2y l\u00e0 b\u01b0\u1edbc \u201cc\u00f4 \u0111\u1eb7c\u201d kh\u00f3 kh\u0103n.<\/span><\/p>\n<\/li>\n<\/ol>\n<hr data-start=\"11743\" data-end=\"11746\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"11748\" data-end=\"11827\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">IV. G\u1ee3i \u00fd \u1ee9ng d\u1ee5ng &amp; chi\u1ebfn l\u01b0\u1ee3c ph\u00e1p l\u00fd cho t\u1ed5 ch\u1ee9c \/ c\u00f4ng ty lu\u1eadt \/ fintech<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"11829\" data-end=\"11970\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">D\u1ef1a v\u00e0o Ngh\u1ecb \u0111\u1ecbnh 94\/2025, n\u1ebfu c\u00f4ng ty lu\u1eadt, fintech ho\u1eb7c t\u1ed5 ch\u1ee9c mu\u1ed1n t\u1eadn d\u1ee5ng sandbox ng\u00e2n h\u00e0ng, d\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3:<\/span><\/p>\n<ol style=\"text-align: justify;\" data-start=\"11972\" data-end=\"12035\">\n<li data-start=\"11972\" data-end=\"12035\">\n<p data-start=\"11975\" data-end=\"12035\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11975\" data-end=\"12033\">T\u1eadp trung v\u00e0o d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u0103ng k\u00fd sandbox ng\u00e2n h\u00e0ng<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul style=\"text-align: justify;\" data-start=\"12038\" data-end=\"12220\">\n<li data-start=\"12038\" data-end=\"12135\">\n<p data-start=\"12040\" data-end=\"12135\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u01b0 v\u1ea5n h\u1ed3 s\u01a1, \u0111\u1ec1 \u00e1n th\u1eed nghi\u1ec7m, m\u00f4 h\u00ecnh kinh doanh, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, b\u1ea3o m\u1eadt, y\u1ebfu t\u1ed1 b\u1ea3o \u0111\u1ea3m.<\/span><\/p>\n<\/li>\n<li data-start=\"12138\" data-end=\"12220\">\n<p data-start=\"12140\" data-end=\"12220\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ki\u1ec3m tra t\u00ednh tu\u00e2n th\u1ee7 v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u1ef9 thu\u1eadt v\u00e0 ti\u00eau ch\u00ed trong Ngh\u1ecb \u0111\u1ecbnh.<\/span><\/p>\n<\/li>\n<\/ul>\n<ol style=\"text-align: justify;\" start=\"2\" data-start=\"12222\" data-end=\"12272\">\n<li data-start=\"12222\" data-end=\"12272\">\n<p data-start=\"12225\" data-end=\"12272\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12225\" data-end=\"12270\">So\u1ea1n th\u1ea3o h\u1ee3p \u0111\u1ed3ng &amp; th\u1ecfa thu\u1eadn c\u00f4ng ngh\u1ec7<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul style=\"text-align: justify;\" data-start=\"12275\" data-end=\"12461\">\n<li data-start=\"12275\" data-end=\"12368\">\n<p data-start=\"12277\" data-end=\"12368\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ee3p \u0111\u1ed3ng v\u1edbi kh\u00e1ch h\u00e0ng tham gia th\u1eed nghi\u1ec7m, h\u1ee3p \u0111\u1ed3ng v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (n\u1ebfu h\u1ee3p t\u00e1c).<\/span><\/p>\n<\/li>\n<li data-start=\"12371\" data-end=\"12461\">\n<p data-start=\"12373\" data-end=\"12461\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o m\u1eadt, cam k\u1ebft x\u1eed l\u00fd d\u1eef li\u1ec7u, tr\u00e1ch nhi\u1ec7m l\u1ed7i c\u00f4ng ngh\u1ec7, b\u1ed3i th\u01b0\u1eddng r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<\/ul>\n<ol style=\"text-align: justify;\" start=\"3\" data-start=\"12463\" data-end=\"12505\">\n<li data-start=\"12463\" data-end=\"12505\">\n<p data-start=\"12466\" data-end=\"12505\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12466\" data-end=\"12503\">T\u01b0 v\u1ea5n tu\u00e2n th\u1ee7 &amp; qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul style=\"text-align: justify;\" data-start=\"12508\" data-end=\"12660\">\n<li data-start=\"12508\" data-end=\"12593\">\n<p data-start=\"12510\" data-end=\"12593\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9, qu\u1ea3n l\u00fd r\u1ee7i ro c\u00f4ng ngh\u1ec7, gi\u00e1m s\u00e1t giao d\u1ecbch.<\/span><\/p>\n<\/li>\n<li data-start=\"12596\" data-end=\"12660\">\n<p data-start=\"12598\" data-end=\"12660\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ed7 tr\u1ee3 v\u1ec1 KYC, AML, b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n trong th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n<ol style=\"text-align: justify;\" start=\"4\" data-start=\"12662\" data-end=\"12727\">\n<li data-start=\"12662\" data-end=\"12727\">\n<p data-start=\"12665\" data-end=\"12727\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12665\" data-end=\"12725\">H\u1ed7 tr\u1ee3 chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1eed nghi\u1ec7m sang s\u1ea3n ph\u1ea9m th\u01b0\u01a1ng m\u1ea1i<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul style=\"text-align: justify;\" data-start=\"12730\" data-end=\"12868\">\n<li data-start=\"12730\" data-end=\"12868\">\n<p data-start=\"12732\" data-end=\"12868\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Khi gi\u1ea3i ph\u00e1p v\u01b0\u1ee3t giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m, s\u1ebd c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh gi\u1ea5y ph\u00e9p, xin ph\u00e9p m\u1edf r\u1ed9ng; c\u00f4ng ty lu\u1eadt c\u00f3 vai tr\u00f2 h\u1ed7 tr\u1ee3 chuy\u1ec3n \u0111\u1ed5i n\u00e0y.<\/span><\/p>\n<\/li>\n<\/ul>\n<ol style=\"text-align: justify;\" start=\"5\" data-start=\"12870\" data-end=\"12932\">\n<li data-start=\"12870\" data-end=\"12932\">\n<p data-start=\"12873\" data-end=\"12932\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12873\" data-end=\"12930\">Theo d\u00f5i \u0111\u00e1nh gi\u00e1, ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul style=\"text-align: justify;\" data-start=\"12935\" data-end=\"13110\">\n<li data-start=\"12935\" data-end=\"13110\">\n<p data-start=\"12937\" data-end=\"13110\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1eeb d\u1eef li\u1ec7u th\u1eed nghi\u1ec7m, c\u00f4ng ty lu\u1eadt \/ t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 t\u1ed5ng h\u1ee3p b\u00e1o c\u00e1o ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh, Lu\u1eadt Ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c lu\u1eadt li\u00ean quan (Thanh to\u00e1n \u0111i\u1ec7n t\u1eed, t\u00e0i s\u1ea3n s\u1ed1).<\/span><\/p>\n<\/li>\n<\/ul>\n<ol style=\"text-align: justify;\" start=\"6\" data-start=\"13112\" data-end=\"13156\">\n<li data-start=\"13112\" data-end=\"13156\">\n<p data-start=\"13115\" data-end=\"13156\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13115\" data-end=\"13154\">H\u1ed7 tr\u1ee3 li\u00ean k\u1ebft Fintech \u2013 Ng\u00e2n h\u00e0ng<\/strong><\/span><\/p>\n<\/li>\n<\/ol>\n<ul data-start=\"13159\" data-end=\"13309\">\n<li data-start=\"13159\" data-end=\"13309\">\n<p style=\"text-align: justify;\" data-start=\"13161\" data-end=\"13309\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">L\u00e0 c\u1ea7u n\u1ed1i ph\u00e1p l\u00fd gi\u1eefa fintech v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tham gia sandbox: h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c, ph\u00e2n chia r\u1ee7i ro, chia s\u1ebb d\u1eef li\u1ec7u, quy\u1ec1n l\u1ee3i, tr\u00e1ch nhi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d \u2014 g\u1ed3m c\u00e1c n\u1ed9i dung ch\u00ednh, \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd, c\u01a1 h\u1ed9i &amp; th\u00e1ch th\u1ee9c, v\u00e0 g\u1ee3i \u00fd cho vi\u1ec7c \u1ee9ng d\u1ee5ng trong l\u0129nh v\u1ef1c ph\u00e1p l\u00fd \/ fintech \/ t\u00e0i s\u1ea3n s\u1ed1. I. Gi\u1edbi thi\u1ec7u chung T\u00ean \u0111\u1ea7y [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4255,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[138,132],"tags":[],"class_list":["post-4173","post","type-post","status-publish","format-standard","has-post-thumbnail","category-luat-ve-crypto-viet-nam","category-tai-san-so"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/luatsu911.vn\/?p=4173\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\" \/>\n<meta property=\"og:description\" content=\"Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 \u201cC\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\u201d \u2014 g\u1ed3m c\u00e1c n\u1ed9i dung ch\u00ednh, \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd, c\u01a1 h\u1ed9i &amp; th\u00e1ch th\u1ee9c, v\u00e0 g\u1ee3i \u00fd cho vi\u1ec7c \u1ee9ng d\u1ee5ng trong l\u0129nh v\u1ef1c ph\u00e1p l\u00fd \/ fintech \/ t\u00e0i s\u1ea3n s\u1ed1. I. 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