{"id":4219,"date":"2025-09-28T20:40:43","date_gmt":"2025-09-28T13:10:43","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4219"},"modified":"2025-09-28T20:40:43","modified_gmt":"2025-09-28T13:10:43","slug":"nghi-dinh-94-2025-nd-cp-va-co-che-thu-nghiem-co-kiem-soat-sandbox-trong-linh-vuc-ngan-hang-buoc-ngoat-phap-ly-cho-fintech-viet-nam","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4219","title":{"rendered":"Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u00e0 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 B\u01b0\u1edbc ngo\u1eb7t ph\u00e1p l\u00fd cho Fintech Vi\u1ec7t Nam"},"content":{"rendered":"

Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\/fintech<\/strong>. <\/span><\/p>\n

B\u00e0i s\u1ebd theo c\u1ea5u tr\u00fac :<\/span><\/p>\n

M\u1edf b\u00e0i \u2192 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u2192 n\u1ed9i dung ch\u00ednh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u2192 ph\u00e2n t\u00edch & \u0111\u00e1nh gi\u00e1 \u2192 so s\u00e1nh qu\u1ed1c t\u1ebf \u2192 ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n<\/strong>.<\/span><\/p>\n

Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u00e0 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 B\u01b0\u1edbc ngo\u1eb7t ph\u00e1p l\u00fd cho Fintech Vi\u1ec7t Nam<\/strong><\/span><\/p>\n

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I. M\u1edf \u0111\u1ea7u<\/span><\/h2>\n

S\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn cho h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc. T\u1eeb thanh to\u00e1n \u0111i\u1ec7n t\u1eed, cho vay ngang h\u00e0ng (P2P lending) \u0111\u1ebfn \u1ee9ng d\u1ee5ng blockchain v\u00e0 t\u00e0i s\u1ea3n s\u1ed1, c\u00e1c m\u00f4 h\u00ecnh kinh doanh m\u1edbi kh\u00f4ng ng\u1eebng xu\u1ea5t hi\u1ec7n, trong khi khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh ch\u01b0a \u0111\u1ee7 nhanh nh\u1ea1y \u0111\u1ec3 bao qu\u00e1t.<\/span><\/p>\n

Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP<\/strong> v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/2025. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t ph\u00e1p l\u00fd quan tr\u1ecdng<\/strong>, v\u1eeba t\u1ea1o h\u00e0nh lang an to\u00e0n \u0111\u1ec3 Fintech \u0111\u1ed5i m\u1edbi, v\u1eeba gi\u00fap c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t r\u1ee7i ro trong giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m.<\/span><\/p>\n

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II. C\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 b\u1ed1i c\u1ea3nh ban h\u00e0nh<\/span><\/strong><\/h2>\n

1. B\u1ed1i c\u1ea3nh qu\u1ed1c t\u1ebf<\/span><\/strong><\/h3>\n

Nhi\u1ec1u qu\u1ed1c gia \u0111\u00e3 tri\u1ec3n khai sandbox nh\u01b0:<\/span><\/p>\n

    \n
  • \n

    Anh (UK Financial Conduct Authority \u2013 FCA, 2016)<\/strong>: sandbox fintech \u0111\u1ea7u ti\u00ean tr\u00ean th\u1ebf gi\u1edbi.<\/span><\/p>\n<\/li>\n

  • \n

    Singapore (MAS, 2016)<\/strong>: sandbox cho ph\u00e9p th\u1eed nghi\u1ec7m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1edbi trong gi\u1edbi h\u1ea1n th\u1eddi gian v\u00e0 quy m\u00f4.<\/span><\/p>\n<\/li>\n

  • \n

    Indonesia, Malaysia, Th\u00e1i Lan<\/strong>: \u00e1p d\u1ee5ng sandbox fintech trong l\u0129nh v\u1ef1c thanh to\u00e1n, P2P lending, neobank.<\/span><\/p>\n<\/li>\n<\/ul>\n

    Sandbox \u0111\u00e3 ch\u1ee9ng minh hi\u1ec7u qu\u1ea3 trong vi\u1ec7c c\u00e2n b\u1eb1ng gi\u1eefa khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi<\/strong> v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro<\/strong>.<\/span><\/p>\n

    2. B\u1ed1i c\u1ea3nh Vi\u1ec7t Nam<\/span><\/strong><\/h3>\n
      \n
    • \n

      S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a Fintech (h\u01a1n 300 c\u00f4ng ty fintech ho\u1ea1t \u0111\u1ed9ng t\u00ednh \u0111\u1ebfn 2025, ch\u1ee7 y\u1ebfu trong thanh to\u00e1n v\u00e0 P2P lending).<\/span><\/p>\n<\/li>\n

    • \n

      Nguy c\u01a1 r\u1ee7i ro: gian l\u1eadn, r\u1eeda ti\u1ec1n, b\u1ea3o m\u1eadt d\u1eef li\u1ec7u, tranh ch\u1ea5p d\u00e2n s\u1ef1.<\/span><\/p>\n<\/li>\n

    • \n

      Ch\u00ednh ph\u1ee7 x\u00e1c \u0111\u1ecbnh trong Ngh\u1ecb quy\u1ebft 57-NQ\/TW (2024)<\/strong>: c\u1ea7n h\u00ecnh th\u00e0nh khung sandbox cho c\u00f4ng ngh\u1ec7 m\u1edbi.<\/span><\/p>\n<\/li>\n

    • \n

      Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u01b0\u1ee3c giao ch\u1ee7 tr\u00ec x\u00e2y d\u1ef1ng sandbox trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/span><\/p>\n<\/li>\n<\/ul>\n

      \n

      III. N\u1ed9i dung ch\u00ednh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/span><\/strong><\/h2>\n

      1. \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/span><\/strong><\/h3>\n
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      • \n

        T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/strong> (ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh).<\/span><\/p>\n<\/li>\n

      • \n

        Doanh nghi\u1ec7p Fintech<\/strong> c\u00f3 gi\u1ea3i ph\u00e1p, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng m\u1edbi.<\/span><\/p>\n<\/li>\n

      • \n

        T\u1ed5 ch\u1ee9c kh\u00e1c<\/strong> c\u00f3 li\u00ean quan \u0111\u1ebfn cung \u1ee9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng.<\/span><\/p>\n<\/li>\n<\/ul>\n

        2. Ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/span><\/strong><\/h3>\n

        C\u00e1c m\u00f4 h\u00ecnh Fintech m\u1edbi, trong \u0111\u00f3 c\u00f3:<\/span><\/p>\n

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        • \n

          Thanh to\u00e1n \u0111i\u1ec7n t\u1eed, mobile money.<\/span><\/p>\n<\/li>\n

        • \n

          Cho vay ngang h\u00e0ng (P2P lending).<\/span><\/p>\n<\/li>\n

        • \n

          Giao d\u1ecbch, l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1 g\u1eafn v\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/span><\/p>\n<\/li>\n

        • \n

          \u1ee8ng d\u1ee5ng blockchain, AI trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<\/ul>\n

          3. Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng<\/span><\/strong><\/h3>\n
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          • \n

            C\u00f3 gi\u1edbi h\u1ea1n<\/strong> v\u1ec1: th\u1eddi gian, quy m\u00f4, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch, t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch.<\/span><\/p>\n<\/li>\n

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            C\u00f3 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd<\/strong> b\u1edfi NHNN.<\/span><\/p>\n<\/li>\n

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            Kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng<\/strong>.<\/span><\/p>\n<\/li>\n<\/ul>\n

            4. Th\u1ee7 t\u1ee5c tham gia sandbox<\/span><\/strong><\/h3>\n
              \n
            • \n

              H\u1ed3 s\u01a1: \u0111\u1ec1 ngh\u1ecb tham gia, m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m, ph\u00e2n t\u00edch r\u1ee7i ro, ph\u01b0\u01a1ng \u00e1n b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<\/li>\n

            • \n

              Quy tr\u00ecnh: n\u1ed9p h\u1ed3 s\u01a1 \u2192 th\u1ea9m \u0111\u1ecbnh \u2192 ph\u00ea duy\u1ec7t th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n

            • \n

              Th\u1eddi gian th\u1eed nghi\u1ec7m: t\u1ed1i \u0111a 2 n\u0103m, c\u00f3 th\u1ec3 gia h\u1ea1n th\u00eam 1 n\u0103m.<\/span><\/p>\n<\/li>\n<\/ul>\n

              5. Ngh\u0129a v\u1ee5 c\u1ee7a doanh nghi\u1ec7p tham gia<\/span><\/strong><\/h3>\n
                \n
              • \n

                B\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3 v\u1ec1 k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n

              • \n

                Tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin, ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n (AML\/KYC).<\/span><\/p>\n<\/li>\n

              • \n

                C\u00f3 ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd khi\u1ebfu n\u1ea1i v\u00e0 b\u1ed3i th\u01b0\u1eddng cho kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<\/li>\n

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                Th\u1ef1c hi\u1ec7n \u201cexit plan\u201d khi k\u1ebft th\u00fac th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n

                6. Vai tr\u00f2 c\u1ee7a NHNN<\/span><\/strong><\/h3>\n
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                • \n

                  C\u01a1 quan c\u1ea5p ph\u00e9p, gi\u00e1m s\u00e1t v\u00e0 \u0111\u00e1nh gi\u00e1 th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n

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                  Quy\u1ec1n \u0111\u00ecnh ch\u1ec9, ch\u1ea5m d\u1ee9t th\u1eed nghi\u1ec7m n\u1ebfu ph\u00e1t hi\u1ec7n vi ph\u1ea1m ho\u1eb7c r\u1ee7i ro nghi\u00eam tr\u1ecdng.<\/span><\/p>\n<\/li>\n

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                  \u0110\u1ec1 xu\u1ea5t Ch\u00ednh ph\u1ee7 ban h\u00e0nh v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt ch\u00ednh th\u1ee9c n\u1ebfu m\u00f4 h\u00ecnh th\u00e0nh c\u00f4ng.<\/span><\/p>\n<\/li>\n<\/ul>\n

                  \n

                  IV. Ph\u00e2n t\u00edch v\u00e0 \u0111\u00e1nh gi\u00e1<\/span><\/strong><\/h2>\n

                  1. \u01afu \u0111i\u1ec3m<\/span><\/strong><\/h3>\n
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                    T\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd linh ho\u1ea1t<\/strong>: gi\u00fap startup fintech c\u00f3 c\u01a1 h\u1ed9i ki\u1ec3m ch\u1ee9ng s\u1ea3n ph\u1ea9m trong khu\u00f4n kh\u1ed5 h\u1ee3p ph\u00e1p.<\/span><\/p>\n<\/li>\n

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                    Gi\u1ea3m r\u1ee7i ro ph\u00e1p l\u00fd<\/strong>: doanh nghi\u1ec7p th\u1eed nghi\u1ec7m kh\u00f4ng lo vi ph\u1ea1m khi s\u1ea3n ph\u1ea9m ch\u01b0a c\u00f3 lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh.<\/span><\/p>\n<\/li>\n

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                    C\u01a1 ch\u1ebf h\u1ecdc h\u1ecfi cho regulator<\/strong>: NHNN c\u00f3 d\u1eef li\u1ec7u th\u1ef1c ti\u1ec5n \u0111\u1ec3 x\u00e2y d\u1ef1ng lu\u1eadt.<\/span><\/p>\n<\/li>\n

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                    Khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o<\/strong>: t\u1ea1o m\u00f4i tr\u01b0\u1eddng th\u1eed nghi\u1ec7m, thu h\u00fat \u0111\u1ea7u t\u01b0 v\u00e0o Fintech.<\/span><\/p>\n<\/li>\n<\/ul>\n

                    2. H\u1ea1n ch\u1ebf v\u00e0 r\u1ee7i ro<\/span><\/strong><\/h3>\n
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                      Gi\u1edbi h\u1ea1n ph\u1ea1m vi c\u00f2n h\u1eb9p<\/strong>: m\u1edbi t\u1eadp trung v\u00e0o l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ch\u01b0a m\u1edf r\u1ed9ng sang ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m, t\u00e0i s\u1ea3n s\u1ed1.<\/span><\/p>\n<\/li>\n

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                      Ngu\u1ed3n l\u1ef1c gi\u00e1m s\u00e1t h\u1ea1n ch\u1ebf<\/strong>: NHNN c\u1ea7n th\u00eam nh\u00e2n s\u1ef1 v\u00e0 c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gi\u00e1m s\u00e1t hi\u1ec7u qu\u1ea3.<\/span><\/p>\n<\/li>\n

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                      Nguy c\u01a1 l\u1ea1m d\u1ee5ng<\/strong>: m\u1ed9t s\u1ed1 doanh nghi\u1ec7p c\u00f3 th\u1ec3 l\u1ee3i d\u1ee5ng sandbox \u0111\u1ec3 che gi\u1ea5u r\u1ee7i ro, qu\u1ea3ng c\u00e1o qu\u00e1 m\u1ee9c.<\/span><\/p>\n<\/li>\n

                    • \n

                      Ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb r\u00f5 r\u00e0ng<\/strong>: nh\u1ea5t l\u00e0 trong P2P lending, nguy c\u01a1 m\u1ea5t v\u1ed1n cao.<\/span><\/p>\n<\/li>\n<\/ul>\n

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                      V. So s\u00e1nh kinh nghi\u1ec7m qu\u1ed1c t\u1ebf<\/span><\/strong><\/h2>\n
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                        Singapore (MAS sandbox)<\/strong>: y\u00eau c\u1ea7u doanh nghi\u1ec7p ph\u1ea3i c\u00f3 k\u1ebf ho\u1ea1ch \u201cexit\u201d r\u00f5 r\u00e0ng, b\u1ea3o \u0111\u1ea3m ho\u00e0n tr\u1ea3 ti\u1ec1n kh\u00e1ch h\u00e0ng n\u1ebfu th\u1eed nghi\u1ec7m th\u1ea5t b\u1ea1i.<\/span><\/p>\n<\/li>\n

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                        Anh (FCA sandbox)<\/strong>: ph\u00e2n lo\u1ea1i nh\u00e0 \u0111\u1ea7u t\u01b0, h\u1ea1n ch\u1ebf retail tham gia c\u00e1c m\u00f4 h\u00ecnh r\u1ee7i ro cao.<\/span><\/p>\n<\/li>\n

                      • \n

                        Indonesia<\/strong>: sandbox fintech t\u1eadp trung v\u00e0o thanh to\u00e1n v\u00e0 P2P lending, k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m \u0111\u01b0\u1ee3c c\u00f4ng khai minh b\u1ea1ch \u0111\u1ec3 t\u0103ng ni\u1ec1m tin.<\/span><\/p>\n<\/li>\n<\/ul>\n

                        Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc h\u1ecfi:<\/span><\/strong><\/p>\n

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                          B\u1ed5 sung y\u00eau c\u1ea7u \u201cexit plan\u201d ch\u1eb7t ch\u1ebd.<\/span><\/p>\n<\/li>\n

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                          Minh b\u1ea1ch h\u00f3a k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n

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                          H\u1ea1n ch\u1ebf nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n tham gia s\u1ea3n ph\u1ea9m r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<\/ul>\n

                          \n

                          VI. Ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n<\/span><\/strong><\/h2>\n
                            \n
                          1. \n

                            M\u1edf r\u1ed9ng sandbox li\u00ean ng\u00e0nh<\/strong>: kh\u00f4ng ch\u1ec9 ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m, t\u00e0i s\u1ea3n s\u1ed1 (c\u1ea7n ph\u1ed1i h\u1ee3p B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 KH&CN).<\/span><\/p>\n<\/li>\n

                          2. \n

                            T\u0103ng c\u01b0\u1eddng c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/strong>: quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, c\u01a1 ch\u1ebf b\u1ed3i th\u01b0\u1eddng b\u1eaft bu\u1ed9c.<\/span><\/p>\n<\/li>\n

                          3. \n

                            X\u00e2y d\u1ef1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u sandbox qu\u1ed1c gia<\/strong>: c\u00f4ng khai danh s\u00e1ch d\u1ef1 \u00e1n th\u1eed nghi\u1ec7m, k\u1ebft qu\u1ea3 v\u00e0 \u0111\u00e1nh gi\u00e1 \u0111\u1ec3 t\u0103ng minh b\u1ea1ch.<\/span><\/p>\n<\/li>\n

                          4. \n

                            N\u00e2ng cao n\u0103ng l\u1ef1c gi\u00e1m s\u00e1t c\u1ee7a NHNN<\/strong>: \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 SupTech\/RegTech \u0111\u1ec3 theo d\u00f5i giao d\u1ecbch th\u1eddi gian th\u1ef1c.<\/span><\/p>\n<\/li>\n

                          5. \n

                            L\u1ed9 tr\u00ecnh lu\u1eadt h\u00f3a<\/strong>: sau giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m, c\u1ea7n t\u1ed5ng k\u1ebft, so\u1ea1n th\u1ea3o lu\u1eadt ho\u1eb7c ngh\u1ecb \u0111\u1ecbnh chuy\u00ean ng\u00e0nh \u0111\u1ec3 \u201cn\u00e2ng c\u1ea5p\u201d c\u00e1c m\u00f4 h\u00ecnh th\u00e0nh ch\u00ednh th\u1ee9c.<\/span><\/p>\n<\/li>\n<\/ol>\n

                            \n

                            VII. K\u1ebft lu\u1eadn<\/span><\/strong><\/h2>\n

                            Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng trong vi\u1ec7c x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd linh ho\u1ea1t cho \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 Fintech. Tuy nhi\u00ean, \u0111\u1ec3 c\u01a1 ch\u1ebf sandbox th\u1ef1c s\u1ef1 ph\u00e1t huy hi\u1ec7u qu\u1ea3, Vi\u1ec7t Nam c\u1ea7n ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng ph\u1ea1m vi, t\u0103ng c\u01b0\u1eddng b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0, n\u00e2ng cao n\u0103ng l\u1ef1c gi\u00e1m s\u00e1t v\u00e0 s\u1edbm lu\u1eadt h\u00f3a k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m.<\/span><\/p>\n

                            Ch\u1ec9 khi \u0111\u00f3, sandbox m\u1edbi th\u1ef1c s\u1ef1 tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 \u201cc\u00e2n b\u1eb1ng gi\u1eefa \u0111\u1ed5i m\u1edbi v\u00e0 an to\u00e0n h\u1ec7 th\u1ed1ng\u201d<\/strong>, th\u00fac \u0111\u1ea9y h\u1ec7 sinh th\u00e1i Fintech ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, \u0111\u1ed3ng th\u1eddi b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u00f4ng c\u1ed9ng.<\/span><\/p>\n

                            \n","protected":false},"excerpt":{"rendered":"

                            Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\/fintech. B\u00e0i s\u1ebd theo c\u1ea5u tr\u00fac : M\u1edf b\u00e0i \u2192 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u2192 n\u1ed9i dung ch\u00ednh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u2192 ph\u00e2n t\u00edch & \u0111\u00e1nh gi\u00e1 \u2192 so s\u00e1nh qu\u1ed1c t\u1ebf \u2192 ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n. Ngh\u1ecb \u0111\u1ecbnh […]<\/p>\n","protected":false},"author":1,"featured_media":4312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[215],"tags":[],"class_list":["post-4219","post","type-post","status-publish","format-standard","has-post-thumbnail","category-fintech-va-phap-ly"],"yoast_head":"\nNgh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u00e0 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 B\u01b0\u1edbc ngo\u1eb7t ph\u00e1p l\u00fd cho Fintech Vi\u1ec7t Nam - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&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=4219\" \/>\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 v\u00e0 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 B\u01b0\u1edbc ngo\u1eb7t ph\u00e1p l\u00fd cho Fintech Vi\u1ec7t Nam - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\" \/>\n<meta property=\"og:description\" content=\"Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng\/fintech. B\u00e0i s\u1ebd theo c\u1ea5u tr\u00fac : M\u1edf b\u00e0i \u2192 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u2192 n\u1ed9i dung ch\u00ednh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u2192 ph\u00e2n t\u00edch & \u0111\u00e1nh gi\u00e1 \u2192 so s\u00e1nh qu\u1ed1c t\u1ebf \u2192 ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n. 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