{"id":4227,"date":"2025-09-28T20:57:05","date_gmt":"2025-09-28T13:27:05","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4227"},"modified":"2025-09-28T20:57:05","modified_gmt":"2025-09-28T13:27:05","slug":"luat-su-911phan-tich-quy-dinh-ve-doi-tuong-ap-dung-va-pham-vi-thu-nghiem-trong-nghi-dinh-94-2025-nd-cp","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4227","title":{"rendered":"Lu\u1eadt s\u01b0 911:Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP"},"content":{"rendered":"

Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/span><\/h1>\n

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

S\u1ef1 ra \u0111\u1eddi c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP ng\u00e0y 15\/7\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7<\/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 \u0111\u01b0\u1ee3c xem l\u00e0 d\u1ea5u m\u1ed1c ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o trong c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech)<\/strong> t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n

Hai n\u1ed9i dung then ch\u1ed1t c\u1ee7a ngh\u1ecb \u0111\u1ecbnh l\u00e0 (i) \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/strong> v\u00e0 (ii) Ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong>, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u1eb1m x\u00e1c \u0111\u1ecbnh ch\u1ee7 th\u1ec3 n\u00e0o<\/strong> \u0111\u01b0\u1ee3c tham gia v\u00e0 gi\u1edbi h\u1ea1n th\u1eed nghi\u1ec7m ra sao<\/strong> \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o v\u1eeba khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi, v\u1eeba b\u1ea3o v\u1ec7 an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/span><\/p>\n

\n

II. \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/span><\/h2>\n

1. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt<\/span><\/h3>\n

Theo \u0110i\u1ec1u 2 Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong>:<\/span><\/p>\n

\u201c\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng bao g\u1ed3m:<\/span><\/p>\n

    \n
  1. \n

    T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n<\/li>\n

  2. \n

    Doanh nghi\u1ec7p Fintech \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, \u0111\u0103ng k\u00fd ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam, 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

  3. \n

    T\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 li\u00ean quan \u0111\u1ebfn cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p thu\u1eadn tham gia th\u1eed nghi\u1ec7m.\u201d<\/span><\/p>\n<\/li>\n<\/ol>\n

    2. Ph\u00e2n t\u00edch<\/span><\/h3>\n
      \n
    • \n

      T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD)<\/strong>: bao g\u1ed3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Nh\u00f3m n\u00e0y c\u00f3 \u01b0u th\u1ebf v\u1ec1 v\u1ed1n, h\u1ea1 t\u1ea7ng, kh\u00e1ch h\u00e0ng. Sandbox cho ph\u00e9p h\u1ecd th\u1eed nghi\u1ec7m s\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng s\u1ed1, \u1ee9ng d\u1ee5ng blockchain trong thanh to\u00e1n, gi\u1ea3i ph\u00e1p ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng b\u1eb1ng AI.<\/span><\/p>\n<\/li>\n

    • \n

      Doanh nghi\u1ec7p Fintech<\/strong>: l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t. Sandbox t\u1ea1o \u201ckh\u00f4ng gian an to\u00e0n ph\u00e1p l\u00fd\u201d \u0111\u1ec3 startup th\u1eed nghi\u1ec7m d\u1ecbch v\u1ee5 m\u00e0 ch\u01b0a c\u00f3 lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh (v\u00ed d\u1ee5: P2P lending). \u0110i\u1ec1u ki\u1ec7n: ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh t\u1ea1i Vi\u1ec7t Nam, \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch, c\u00f3 k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd r\u1ee7i ro.<\/span><\/p>\n<\/li>\n

    • \n

      T\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 li\u00ean quan<\/strong>: bao g\u1ed3m c\u00f4ng ty c\u00f4ng ngh\u1ec7 cung c\u1ea5p gi\u1ea3i ph\u00e1p k\u1ef9 thu\u1eadt, c\u00f4ng ty vi\u1ec5n th\u00f4ng (trong mobile money), ho\u1eb7c t\u1ed5 ch\u1ee9c l\u01b0u k\u00fd, gi\u00e1m s\u00e1t. Quy \u0111\u1ecbnh n\u00e0y m\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng, ph\u1ea3n \u00e1nh t\u00ednh li\u00ean ng\u00e0nh c\u1ee7a Fintech<\/strong>.<\/span><\/p>\n<\/li>\n<\/ul>\n

      3. B\u00ecnh lu\u1eadn<\/span><\/h3>\n

      C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y t\u01b0\u01a1ng t\u1ef1 Singapore v\u00e0 Anh \u2013 n\u01a1i sandbox kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf ng\u00e2n h\u00e0ng, m\u00e0 m\u1edf cho c\u00e1c startup fintech v\u00e0 \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111i linh ho\u1ea1t, k\u1ecbp th\u1eddi<\/strong> \u0111\u1ec3 kh\u00f4ng b\u1ecf l\u1ee1 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o t\u1eeb khu v\u1ef1c t\u01b0 nh\u00e2n.<\/span><\/p>\n

      \n

      III. Ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/span><\/h2>\n

      1. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt<\/span><\/h3>\n

      Theo \u0110i\u1ec1u 4 Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong>:<\/span><\/p>\n

      \u201cPh\u1ea1m vi th\u1eed nghi\u1ec7m bao g\u1ed3m c\u00e1c m\u00f4 h\u00ecnh, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh m\u1edbi, c\u1ee5 th\u1ec3:<\/span><\/p>\n

        \n
      1. \n

        Thanh to\u00e1n \u0111i\u1ec7n t\u1eed, d\u1ecbch v\u1ee5 Mobile Money.<\/span><\/p>\n<\/li>\n

      2. \n

        Cho vay ngang h\u00e0ng (Peer-to-Peer Lending).<\/span><\/p>\n<\/li>\n

      3. \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

      4. \n

        \u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/span><\/p>\n<\/li>\n

      5. \n

        L\u0129nh v\u1ef1c kh\u00e1c do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc xem x\u00e9t, tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy\u1ebft \u0111\u1ecbnh.\u201d<\/span><\/p>\n<\/li>\n<\/ol>\n

        2. Ph\u00e2n t\u00edch c\u00e1c nh\u00f3m<\/span><\/h3>\n
          \n
        • \n

          Thanh to\u00e1n \u0111i\u1ec7n t\u1eed, Mobile Money<\/strong>: L\u00e0 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t. Sandbox gi\u00fap ki\u1ec3m ch\u1ee9ng m\u00f4 h\u00ecnh v\u00ed \u0111i\u1ec7n t\u1eed \u0111a n\u0103ng, chuy\u1ec3n ti\u1ec1n qua di \u0111\u1ed9ng v\u00f9ng s\u00e2u xa, \u0111\u1ed3ng th\u1eddi ki\u1ec3m so\u00e1t r\u1ee7i ro AML\/KYC.<\/span><\/p>\n<\/li>\n

        • \n

          Cho vay ngang h\u00e0ng (P2P lending)<\/strong>: L\u00e2u nay ch\u01b0a c\u00f3 lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh, nhi\u1ec1u r\u1ee7i ro bi\u1ebfn t\u01b0\u1edbng t\u00edn d\u1ee5ng \u0111en. Sandbox l\u00e0 gi\u1ea3i ph\u00e1p dung h\u00f2a: cho ph\u00e9p ho\u1ea1t \u0111\u1ed9ng nh\u01b0ng trong ph\u1ea1m vi gi\u1edbi h\u1ea1n (s\u1ed1 kh\u00e1ch h\u00e0ng, gi\u00e1 tr\u1ecb giao d\u1ecbch).<\/span><\/p>\n<\/li>\n

        • \n

          Giao d\u1ecbch, l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1 g\u1eafn v\u1edbi ng\u00e2n h\u00e0ng<\/strong>: \u0110\u00e2y l\u00e0 \u0111i\u1ec3m m\u1edbi, cho ph\u00e9p th\u1eed nghi\u1ec7m token h\u00f3a t\u00e0i s\u1ea3n<\/strong>, l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1 trong m\u00f4i tr\u01b0\u1eddng ng\u00e2n h\u00e0ng, t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c nghi\u00ean c\u1ee9u th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n s\u1ed1.<\/span><\/p>\n<\/li>\n

        • \n

          Blockchain, AI trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/strong>: Gi\u00fap ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng, ph\u00e1t hi\u1ec7n gian l\u1eadn, gi\u1ea3m chi ph\u00ed t\u00edn d\u1ee5ng. Tuy nhi\u00ean, r\u1ee7i ro \u1edf \u0111\u00e2y l\u00e0 t\u00ednh minh b\u1ea1ch thu\u1eadt to\u00e1n<\/strong> v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u c\u00e1 nh\u00e2n<\/strong>.<\/span><\/p>\n<\/li>\n

        • \n

          C\u00e1c l\u0129nh v\u1ef1c kh\u00e1c (m\u1edf)<\/strong>: Trao quy\u1ec1n cho NHNN v\u00e0 Ch\u00ednh ph\u1ee7 linh ho\u1ea1t b\u1ed5 sung. \u0110i\u1ec1u n\u00e0y quan tr\u1ecdng v\u00ec c\u00f4ng ngh\u1ec7 thay \u0111\u1ed5i nhanh, kh\u00f3 d\u1ef1 \u0111o\u00e1n tr\u01b0\u1edbc.<\/span><\/p>\n<\/li>\n<\/ul>\n

          3. B\u00ecnh lu\u1eadn<\/span><\/h3>\n

          Ph\u1ea1m vi sandbox trong Ngh\u1ecb \u0111\u1ecbnh 94 kh\u00e1 t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi Indonesia, Malaysia, Singapore<\/strong>, nh\u01b0ng \u0111\u00e3 b\u1ed5 sung giao d\u1ecbch v\u00e0 l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1<\/strong> \u2013 m\u1ed9t b\u01b0\u1edbc \u0111i m\u1edbi m\u1ebb, ph\u1ea3n \u00e1nh s\u1ef1 b\u1eaft nh\u1ecbp c\u1ee7a Vi\u1ec7t Nam v\u1edbi xu th\u1ebf to\u00e0n c\u1ea7u.<\/span><\/p>\n

          \n

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

          Quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2 v\u00e0 \u0110i\u1ec1u 4 Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong> v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong> l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 sandbox Fintech \u1edf Vi\u1ec7t Nam \u0111i v\u00e0o th\u1ef1c ti\u1ec5n.<\/span><\/p>\n

            \n
          • \n

            V\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng<\/strong>, ngh\u1ecb \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 bao g\u1ed3m ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng m\u00e0 c\u00f2n m\u1edf r\u1ed9ng cho startup Fintech v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ngh\u1ec7 li\u00ean quan.<\/span><\/p>\n<\/li>\n

          • \n

            V\u1ec1 ph\u1ea1m vi<\/strong>, ngh\u1ecb \u0111\u1ecbnh t\u1eadp trung v\u00e0o c\u00e1c l\u0129nh v\u1ef1c nh\u1ea1y c\u1ea3m v\u00e0 ti\u1ec1m n\u0103ng: thanh to\u00e1n, P2P lending, t\u00e0i s\u1ea3n s\u1ed1, blockchain, AI.<\/span><\/p>\n<\/li>\n<\/ul>\n

            \u0110i\u1ec1u n\u00e0y cho th\u1ea5y c\u00e1ch ti\u1ebfp c\u1eadn c\u00e2n b\u1eb1ng<\/strong>: v\u1eeba m\u1edf c\u1eeda cho \u0111\u1ed5i m\u1edbi, v\u1eeba \u0111\u1eb7t trong khu\u00f4n kh\u1ed5 gi\u1edbi h\u1ea1n \u0111\u1ec3 b\u1ea3o v\u1ec7 an to\u00e0n h\u1ec7 th\u1ed1ng.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

            Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP I. M\u1edf \u0111\u1ea7u S\u1ef1 ra \u0111\u1eddi c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 94\/2025\/N\u0110-CP ng\u00e0y 15\/7\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7 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 \u0111\u01b0\u1ee3c xem l\u00e0 d\u1ea5u m\u1ed1c ph\u00e1p l\u00fd […]<\/p>\n","protected":false},"author":1,"featured_media":4223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[215],"tags":[],"class_list":["post-4227","post","type-post","status-publish","format-standard","has-post-thumbnail","category-fintech-va-phap-ly"],"yoast_head":"\nLu\u1eadt s\u01b0 911:Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP - 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=4227\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lu\u1eadt s\u01b0 911:Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP - 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=\"Ph\u00e2n t\u00edch quy \u0111\u1ecbnh v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng v\u00e0 Ph\u1ea1m vi th\u1eed nghi\u1ec7m trong Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP I. 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