{"id":4233,"date":"2025-09-30T00:40:44","date_gmt":"2025-09-29T17:10:44","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4233"},"modified":"2025-09-30T00:40:44","modified_gmt":"2025-09-29T17:10:44","slug":"luat-su-phan-tich-chuyen-sau-day-du-luan-giai-phap-ly-va-thuc-tien-ve-pham-vi-thu-nghiem-nguyen-tac-hoat-dong-thu-tuc-tham-gia-theo-nghi-dinh-94-2025-nd-cp","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4233","title":{"rendered":"Lu\u1eadt s\u01b0 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"368\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12\" data-end=\"40\">Lu\u1eadt s\u01b0 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u<\/strong> (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 <strong data-start=\"85\" data-end=\"149\">Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia<\/strong> theo <strong data-start=\"155\" data-end=\"182\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong> (Ngh\u1ecb \u0111\u1ecbnh 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). B\u00e0i t\u00edch h\u1ee3p tr\u00edch d\u1eabn v\u0103n b\u1ea3n, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, khuy\u1ebfn ngh\u1ecb th\u1ef1c h\u00e0nh v\u00e0 checklist cho doanh nghi\u1ec7p\/nh\u00e0 qu\u1ea3n l\u00fd.<\/span><\/p>\n<hr data-start=\"370\" data-end=\"373\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"375\" data-end=\"517\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ph\u1ea1m vi th\u1eed nghi\u1ec7m, nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng v\u00e0 th\u1ee7 t\u1ee5c tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP) \u2014 Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u<\/span><\/h1>\n<h2 style=\"text-align: justify;\" data-start=\"519\" data-end=\"548\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u00f3m t\u1eaft n\u1ed9i dung tr\u1ecdng t\u00e2m<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\" data-start=\"549\" data-end=\"1229\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP t\u1ea1o m\u1ed9t khu\u00f4n ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c cho c\u01a1 ch\u1ebf \u201csandbox\u201d trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng: x\u00e1c \u0111\u1ecbnh <strong data-start=\"662\" data-end=\"684\">ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong> (c\u00e1c m\u00f4 h\u00ecnh Fintech \u0111\u01b0\u1ee3c ph\u00e9p th\u1eed nghi\u1ec7m nh\u01b0 thanh to\u00e1n, mobile money, P2P lending, giao d\u1ecbch\/l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1, \u1ee9ng d\u1ee5ng blockchain v\u00e0 AI v.v.), quy \u0111\u1ecbnh <strong data-start=\"841\" data-end=\"865\">nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng<\/strong> (gi\u1edbi h\u1ea1n v\u1ec1 th\u1eddi gian\/qui m\u00f4\/\u0111\u1ed1i t\u01b0\u1ee3ng\/gi\u00e1 tr\u1ecb giao d\u1ecbch; gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd b\u1edfi NHNN; kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng t\u1edbi an to\u00e0n h\u1ec7 th\u1ed1ng), v\u00e0 quy \u0111\u1ecbnh <strong data-start=\"1008\" data-end=\"1028\">th\u1ee7 t\u1ee5c tham gia<\/strong> (h\u1ed3 s\u01a1 chuy\u00ean bi\u1ec7t, quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, th\u1eddi h\u1ea1n t\u1ed1i \u0111a th\u1eed nghi\u1ec7m 2 n\u0103m c\u00f3 th\u1ec3 gia h\u1ea1n). C\u00e1c quy \u0111\u1ecbnh chi ti\u1ebft \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh.\u00a0<\/span><\/p>\n<hr data-start=\"1231\" data-end=\"1234\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"1236\" data-end=\"1308\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">I. Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 nh\u1eefng nh\u00f3m m\u00f4 h\u00ecnh \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 h\u00e0m \u00fd ph\u00e1p l\u00fd<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"1310\" data-end=\"1565\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025 x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00e1c lo\u1ea1i <strong data-start=\"1349\" data-end=\"1370\">gi\u1ea3i ph\u00e1p Fintech<\/strong> c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o th\u1eed nghi\u1ec7m trong C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u1ee7a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (\u0111i\u1ec1u ch\u1ec9nh r\u1ed9ng c\u00e1c s\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5\/m\u00f4 h\u00ecnh kinh doanh m\u1edbi \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7). V\u1ec1 c\u1ee5 th\u1ec3, c\u00e1c nh\u00f3m \u0111i\u1ec3n h\u00ecnh g\u1ed3m:<\/span><\/p>\n<ol style=\"text-align: justify;\" data-start=\"1567\" data-end=\"3751\">\n<li data-start=\"1567\" data-end=\"2145\">\n<p data-start=\"1570\" data-end=\"1610\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1570\" data-end=\"1608\">Thanh to\u00e1n \u0111i\u1ec7n t\u1eed v\u00e0 Mobile Money<\/strong><\/span><\/p>\n<ul data-start=\"1614\" data-end=\"2145\">\n<li data-start=\"1614\" data-end=\"1790\">\n<p data-start=\"1616\" data-end=\"1790\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u00dd ngh\u0129a: th\u00ed \u0111i\u1ec3m c\u00e1c m\u00f4 h\u00ecnh thanh to\u00e1n di \u0111\u1ed9ng m\u1edbi (v\u00ed d\u1ee5 mobile-wallet li\u00ean k\u1ebft SIM, t\u00e0i kho\u1ea3n e-money cho khu v\u1ef1c n\u00f4ng th\u00f4n, c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n ngang h\u00e0ng nhanh).<\/span><\/p>\n<\/li>\n<li data-start=\"1794\" data-end=\"2145\">\n<p data-start=\"1796\" data-end=\"2145\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ec7 l\u1ee5y ph\u00e1p l\u00fd: li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n g\u1eedi, d\u1ef1 tr\u1eef thanh to\u00e1n, an to\u00e0n h\u1ec7 th\u1ed1ng thanh to\u00e1n, AML\/CFT (ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1). Do \u0111\u00f3, th\u1eed nghi\u1ec7m trong ph\u1ea1m vi sandbox cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh gi\u1edbi h\u1ea1n kh\u00e1ch h\u00e0ng\/gi\u00e1 tr\u1ecb giao d\u1ecbch trong khi thu th\u1eadp d\u1eef li\u1ec7u \u0111\u1ec3 quy chu\u1ea9n ho\u00e1 v\u1ec1 sau. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"2147\" data-end=\"2669\">\n<p data-start=\"2150\" data-end=\"2188\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2150\" data-end=\"2186\">Cho vay ngang h\u00e0ng (P2P lending)<\/strong><\/span><\/p>\n<ul data-start=\"2192\" data-end=\"2669\">\n<li data-start=\"2192\" data-end=\"2335\">\n<p data-start=\"2194\" data-end=\"2335\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u00dd ngh\u0129a: m\u00f4 h\u00ecnh k\u1ebft n\u1ed1i ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay th\u00f4ng qua n\u1ec1n t\u1ea3ng s\u1ed1, l\u00e0 l\u0129nh v\u1ef1c tr\u01b0\u1edbc \u0111\u00e2y ho\u1ea1t \u0111\u1ed9ng nhi\u1ec1u \u1edf \u201cv\u00f9ng x\u00e1m\u201d ph\u00e1p lu\u1eadt.<\/span><\/p>\n<\/li>\n<li data-start=\"2339\" data-end=\"2669\">\n<p data-start=\"2341\" data-end=\"2669\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ec7 l\u1ee5y ph\u00e1p l\u00fd v\u00e0 r\u1ee7i ro: t\u00edn d\u1ee5ng \u0111en bi\u1ebfn t\u01b0\u1edbng, qu\u1ea3n l\u00fd l\u00e3i su\u1ea5t, b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb, minh b\u1ea1ch th\u00f4ng tin v\u00e0 tr\u00e1ch nhi\u1ec7m gi\u1ea3i tr\u00ecnh. Ngh\u1ecb \u0111\u1ecbnh cho ph\u00e9p P2P v\u00e0o sandbox nh\u1eb1m ki\u1ec3m so\u00e1t r\u1ee7i ro th\u00f4ng qua gi\u1edbi h\u1ea1n quy m\u00f4, y\u00eau c\u1ea7u k\u1ebft n\u1ed1i v\u1edbi CIC (credit bureau) v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"2671\" data-end=\"3178\">\n<p data-start=\"2674\" data-end=\"2736\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2674\" data-end=\"2734\">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<\/strong><\/span><\/p>\n<ul data-start=\"2740\" data-end=\"3178\">\n<li data-start=\"2740\" data-end=\"2920\">\n<p data-start=\"2742\" data-end=\"2920\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u00dd ngh\u0129a: cho ph\u00e9p th\u1eed nghi\u1ec7m token ho\u00e1 t\u00e0i s\u1ea3n, l\u01b0u k\u00fd t\u00e0i s\u1ea3n s\u1ed1 (security token, tokenized assets) trong h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng (v\u00ed d\u1ee5 l\u01b0u k\u00fd ch\u1ee9ng kho\u00e1n s\u1ed1, token h\u00f3a kho\u1ea3n vay).<\/span><\/p>\n<\/li>\n<li data-start=\"2924\" data-end=\"3178\">\n<p data-start=\"2926\" data-end=\"3178\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ec7 l\u1ee5y: \u0111\u00e2y l\u00e0 m\u1ea3ng r\u1ee7i ro cao v\u1ec1 s\u1edf h\u1eefu, l\u01b0u k\u00fd, thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi v\u00e0 b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 \u2014 do \u0111\u00f3 sandbox gi\u00fap \u0111\u00e1nh gi\u00e1 c\u00e1ch th\u1ee9c ph\u1ed1i h\u1ee3p gi\u1eefa lu\u1eadt ch\u1ee9ng kho\u00e1n, lu\u1eadt ng\u00e2n h\u00e0ng v\u00e0 ti\u00eau chu\u1ea9n l\u01b0u k\u00fd \u0111i\u1ec7n t\u1eed.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"3180\" data-end=\"3751\">\n<p data-start=\"3183\" data-end=\"3275\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3183\" data-end=\"3273\">\u1ee8ng d\u1ee5ng blockchain, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/strong><\/span><\/p>\n<ul data-start=\"3279\" data-end=\"3751\">\n<li data-start=\"3279\" data-end=\"3391\">\n<p data-start=\"3281\" data-end=\"3391\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u00dd ngh\u0129a: d\u00f9ng d\u1eef li\u1ec7u l\u1edbn v\u00e0 m\u00f4 h\u00ecnh AI \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng, d\u1ef1 b\u00e1o r\u1ee7i ro, ph\u00e1t hi\u1ec7n gian l\u1eadn.<\/span><\/p>\n<\/li>\n<li data-start=\"3395\" data-end=\"3751\">\n<p data-start=\"3397\" data-end=\"3751\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u1ec7 l\u1ee5y \u0111\u1ea1o \u0111\u1ee9c v\u00e0 ph\u00e1p l\u00fd: minh b\u1ea1ch thu\u1eadt to\u00e1n (explainability), bias (thi\u00ean v\u1ecb d\u1eef li\u1ec7u), b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n, tr\u00e1ch nhi\u1ec7m khi AI ra quy\u1ebft \u0111\u1ecbnh sai. Sandbox l\u00e0 kh\u00f4ng gian \u0111\u1ec3 th\u1eed nghi\u1ec7m c\u00e1c bi\u1ec7n ph\u00e1p gi\u1ea3i th\u00edch thu\u1eadt to\u00e1n, c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t bias v\u00e0 k\u1ef9 thu\u1eadt b\u1ea3o m\u1eadt d\u1eef li\u1ec7u m\u00e0 kh\u00f4ng ph\u00e1 v\u1ee1 khu\u00f4n kh\u1ed5 to\u00e0n h\u1ec7 th\u1ed1ng. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p style=\"text-align: justify;\" data-start=\"3753\" data-end=\"4175\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3753\" data-end=\"3767\">B\u00ecnh lu\u1eadn:<\/strong> Ngh\u1ecb \u0111\u1ecbnh ch\u1ecdn ph\u1ea1m vi t\u1eadp trung v\u00e0o nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u201cch\u1ea1m\u201d tr\u1ef1c ti\u1ebfp \u0111\u1ebfn an to\u00e0n h\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 an ninh t\u00e0i ch\u00ednh \u2014 l\u00fd do h\u1ee3p l\u00fd: \u0111\u00e2y l\u00e0 nh\u1eefng l\u0129nh v\u1ef1c n\u1ebfu tri\u1ec3n khai \u1ed3 \u1ea1t m\u00e0 ch\u01b0a ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c s\u1ebd g\u00e2y r\u1ee7i ro h\u1ec7 th\u1ed1ng. Vi\u1ec7c \u0111\u01b0a P2P, payment, t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 AI v\u00e0o sandbox cho ph\u00e9p ti\u1ebfp c\u1eadn th\u1ef1c nghi\u1ec7m c\u00f3 gi\u00e1m s\u00e1t nh\u1eb1m h\u00ecnh th\u00e0nh ti\u00eau chu\u1ea9n, ch\u00ednh s\u00e1ch v\u1ec1 sau.\u00a0<\/span><\/p>\n<hr data-start=\"4177\" data-end=\"4180\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"4182\" data-end=\"4273\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">II. Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 gi\u1edbi h\u1ea1n, gi\u00e1m s\u00e1t v\u00e0 nguy\u00ean t\u1eafc \u201ckh\u00f4ng g\u00e2y t\u1ed5n h\u1ea1i h\u1ec7 th\u1ed1ng\u201d<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\" data-start=\"4275\" data-end=\"4394\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 nguy\u00ean t\u1eafc \u0111i\u1ec1u h\u00e0nh sandbox nh\u1eb1m c\u00e2n b\u1eb1ng gi\u1eefa khuy\u1ebfn kh\u00edch \u0111\u1ed5i m\u1edbi v\u00e0 b\u1ea3o v\u1ec7 an to\u00e0n:<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"4396\" data-end=\"4499\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">1. Gi\u1edbi h\u1ea1n th\u1eed nghi\u1ec7m (th\u1eddi gian, quy m\u00f4, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng\/t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch)<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"4500\" data-end=\"5216\">\n<li data-start=\"4500\" data-end=\"4865\">\n<p data-start=\"4502\" data-end=\"4865\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4502\" data-end=\"4515\">Th\u1eddi gian<\/strong>: Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh <strong data-start=\"4536\" data-end=\"4573\">th\u1eddi h\u1ea1n th\u1eed nghi\u1ec7m t\u1ed1i \u0111a 02 n\u0103m<\/strong> (t\u00ednh t\u1eeb ng\u00e0y c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn tham gia). Th\u1eddi h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n theo quy \u0111\u1ecbnh (v\u00ed d\u1ee5 gia h\u1ea1n t\u1ed1i \u0111a m\u1ed9t kho\u1ea3ng th\u1eddi gian theo \u0110i\u1ec1u 20). \u0110i\u1ec1u n\u00e0y bu\u1ed9c th\u1eed nghi\u1ec7m ph\u1ea3i c\u00f3 \u201cdeadline\u201d \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 quy\u1ebft \u0111\u1ecbnh chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch hay ch\u1ea5m d\u1ee9t. <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\"><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\">TH\u01af VI\u1ec6N PH\u00c1P LU\u1eacT<\/span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<li data-start=\"4866\" data-end=\"5216\">\n<p data-start=\"4868\" data-end=\"5216\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4868\" data-end=\"4890\">Qui m\u00f4 &amp; \u0111\u1ed1i t\u01b0\u1ee3ng<\/strong>: Th\u1eed nghi\u1ec7m \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng (c\u00f3 th\u1ec3 ph\u00e2n nh\u00f3m: ch\u1ec9 cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p, kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c, ho\u1eb7c nh\u00f3m kh\u00e1ch h\u00e0ng retail gi\u1edbi h\u1ea1n), s\u1ed1 giao d\u1ecbch\/khung th\u1eddi gian, t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch. Nh\u1eefng gi\u1edbi h\u1ea1n n\u00e0y nh\u1eb1m gi\u1ea3m r\u1ee7i ro lan t\u1ecfa khi th\u1eed nghi\u1ec7m g\u1eb7p tr\u1ee5c tr\u1eb7c. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"5218\" data-end=\"5438\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5218\" data-end=\"5241\">Ph\u00e2n t\u00edch t\u00e1c d\u1ee5ng:<\/strong> Quy \u0111\u1ecbnh r\u00e0ng bu\u1ed9c th\u1eddi gian &amp; qui m\u00f4 c\u00f3 t\u00e1c d\u1ee5ng bu\u1ed9c doanh nghi\u1ec7p ph\u1ea3i x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch ki\u1ec3m th\u1eed nghi\u00eam ng\u1eb7t, c\u0169ng gi\u00fap NHNN c\u00f3 d\u1eef li\u1ec7u gi\u1edbi h\u1ea1n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh m\u1edf r\u1ed9ng.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"5440\" data-end=\"5496\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">2. Gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN)<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"5497\" data-end=\"5823\">\n<li data-start=\"5497\" data-end=\"5823\">\n<p data-start=\"5499\" data-end=\"5823\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">NHNN l\u00e0 c\u01a1 quan ch\u1ee7 tr\u00ec ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1, th\u1ea9m \u0111\u1ecbnh v\u00e0 c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m; \u0111\u1ed3ng th\u1eddi c\u00f3 quy\u1ec1n <strong data-start=\"5593\" data-end=\"5674\">theo d\u00f5i, y\u00eau c\u1ea7u b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3\/\u0111\u1ed9t xu\u1ea5t, \u0111\u00ecnh ch\u1ec9 ho\u1eb7c ch\u1ea5m d\u1ee9t th\u1eed nghi\u1ec7m<\/strong> khi ph\u00e1t hi\u1ec7n r\u1ee7i ro. \u0110\u00e2y l\u00e0 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t ex-ante (tr\u01b0\u1edbc) v\u00e0 ex-post (trong\/sau) nh\u1eb1m ng\u0103n r\u1ee7i ro h\u1ec7 th\u1ed1ng. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"5825\" data-end=\"6099\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5825\" data-end=\"5848\">Ph\u00e2n t\u00edch t\u00e1c d\u1ee5ng:<\/strong> Vi\u1ec7c t\u1eadp trung quy\u1ec1n gi\u00e1m s\u00e1t t\u1ea1i NHNN gi\u00fap tr\u00e1nh ph\u00e2n m\u1ea3nh qu\u1ea3n l\u00fd nh\u01b0ng c\u0169ng \u0111\u1eb7t ra y\u00eau c\u1ea7u r\u1ea5t l\u1edbn v\u1ec1 n\u0103ng l\u1ef1c k\u1ef9 thu\u1eadt (ph\u00e2n t\u00edch d\u1eef li\u1ec7u, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u00f4ng ngh\u1ec7). Do v\u1eady NHNN c\u1ea7n x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 SupTech\/RegTech \u0111\u1ec3 th\u1ef1c thi gi\u00e1m s\u00e1t hi\u1ec7u qu\u1ea3.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"6101\" data-end=\"6173\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">3. Nguy\u00ean t\u1eafc \u201ckh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh\u201d<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"6174\" data-end=\"6436\">\n<li data-start=\"6174\" data-end=\"6436\">\n<p data-start=\"6176\" data-end=\"6436\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">M\u1ecdi th\u1eed nghi\u1ec7m ph\u1ea3i thi\u1ebft k\u1ebf sao cho <strong data-start=\"6213\" data-end=\"6340\">kh\u00f4ng g\u00e2y gi\u00e1n \u0111o\u1ea1n h\u1ec7 th\u1ed1ng thanh to\u00e1n, kh\u00f4ng l\u00e0m m\u1ea5t \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, kh\u00f4ng t\u1ea1o r\u1ee7i ro l\u00e2y lan sang th\u1ecb tr\u01b0\u1eddng<\/strong>. N\u1ebfu c\u00f3 d\u1ea5u hi\u1ec7u \u1ea3nh h\u01b0\u1edfng, NHNN c\u00f3 quy\u1ec1n can thi\u1ec7p ngay. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"6438\" data-end=\"6738\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6438\" data-end=\"6452\">B\u00ecnh lu\u1eadn:<\/strong> \u0110\u00e2y l\u00e0 nguy\u00ean t\u1eafc t\u1ed1i th\u01b0\u1ee3ng. M\u1ecdi ch\u00ednh s\u00e1ch sandbox ph\u1ea3i tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c c\u00e2u h\u1ecfi: <em data-start=\"6533\" data-end=\"6609\">n\u1ebfu m\u00f4 h\u00ecnh th\u1ea5t b\u1ea1i, h\u1ec7 th\u1ed1ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao, v\u00e0 ai ch\u1ecbu tr\u00e1ch nhi\u1ec7m?<\/em> Ngh\u1ecb \u0111\u1ecbnh \u0111\u1eb7t ra nguy\u00ean t\u1eafc n\u00e0y nh\u1eb1m bu\u1ed9c doanh nghi\u1ec7p, nh\u00e0 qu\u1ea3n l\u00fd ph\u1ea3i c\u00f3 \u201cexit plan\u201d v\u00e0 bi\u1ec7n ph\u00e1p an to\u00e0n tr\u01b0\u1edbc khi th\u00ed \u0111i\u1ec3m.<\/span><\/p>\n<hr data-start=\"6740\" data-end=\"6743\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"6745\" data-end=\"6819\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">III. Th\u1ee7 t\u1ee5c tham gia sandbox \u2014 h\u1ed3 s\u01a1, quy tr\u00ecnh v\u00e0 th\u1eddi h\u1ea1n th\u1eed nghi\u1ec7m<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\" data-start=\"6821\" data-end=\"7035\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025 quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd v\u00e0 tr\u00ecnh t\u1ef1 th\u1ea9m \u0111\u1ecbnh \u2014 trong \u0111\u00f3 c\u00f3 \u0110i\u1ec1u 12 (h\u1ed3 s\u01a1) v\u00e0 \u0110i\u1ec1u 13 (tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c theo t\u1eebng lo\u1ea1i gi\u1ea3i ph\u00e1p), c\u00f9ng c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n th\u1eed nghi\u1ec7m t\u1ea1i \u0110i\u1ec1u 6.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"7037\" data-end=\"7084\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">1. H\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd (m\u1eabu, th\u00e0nh ph\u1ea7n c\u01a1 b\u1ea3n)<\/span><\/strong><\/h3>\n<p style=\"text-align: justify;\" data-start=\"7085\" data-end=\"7207\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u1ed1i v\u1edbi t\u1eebng lo\u1ea1i gi\u1ea3i ph\u00e1p (v\u00ed d\u1ee5 P2P lending), Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh h\u1ed3 s\u01a1 b\u1eaft bu\u1ed9c \u2014 t\u00f3m t\u1eaft c\u00e1c m\u1ee5c ch\u00ednh theo \u0110i\u1ec1u 12:<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"7208\" data-end=\"8063\">\n<li data-start=\"7208\" data-end=\"7278\">\n<p data-start=\"7210\" data-end=\"7278\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7210\" data-end=\"7234\">\u0110\u01a1n \u0111\u0103ng k\u00fd tham gia<\/strong> theo m\u1eabu (M\u1eabu s\u1ed1 quy \u0111\u1ecbnh trong Ph\u1ee5 l\u1ee5c).<\/span><\/p>\n<\/li>\n<li data-start=\"7279\" data-end=\"7410\">\n<p data-start=\"7281\" data-end=\"7410\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7281\" data-end=\"7318\">T\u00e0i li\u1ec7u m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m\/gi\u1ea3i ph\u00e1p<\/strong> (use-cases, s\u01a1 \u0111\u1ed3 nghi\u1ec7p v\u1ee5, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng m\u1ee5c ti\u00eau, gi\u1edbi h\u1ea1n th\u1eed nghi\u1ec7m \u0111\u1ec1 xu\u1ea5t).<\/span><\/p>\n<\/li>\n<li data-start=\"7411\" data-end=\"7550\">\n<p data-start=\"7413\" data-end=\"7550\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7413\" data-end=\"7433\">Ph\u00e2n t\u00edch r\u1ee7i ro<\/strong>: r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng, r\u1ee7i ro ph\u00e1p l\u00fd, r\u1ee7i ro thanh kho\u1ea3n, r\u1ee7i ro an ninh m\u1ea1ng; bi\u1ec7n ph\u00e1p gi\u1ea3m thi\u1ec3u; ch\u1ec9 s\u1ed1 gi\u00e1m s\u00e1t.<\/span><\/p>\n<\/li>\n<li data-start=\"7551\" data-end=\"7663\">\n<p data-start=\"7553\" data-end=\"7663\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7553\" data-end=\"7583\">K\u1ebf ho\u1ea1ch b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng<\/strong>: KYC\/AML, c\u01a1 ch\u1ebf khi\u1ebfu n\u1ea1i, qu\u1ef9 b\u1ed3i th\u01b0\u1eddng\/b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng m\u1eabu.<\/span><\/p>\n<\/li>\n<li data-start=\"7664\" data-end=\"7765\">\n<p data-start=\"7666\" data-end=\"7765\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7666\" data-end=\"7694\">S\u01a1 \u0111\u1ed3 ki\u1ebfn tr\u00fac h\u1ec7 th\u1ed1ng<\/strong> (ph\u00e2n v\u00f9ng m\u1ea1ng, l\u01b0u tr\u1eef d\u1eef li\u1ec7u, m\u1ecdi d\u1ecbch v\u1ee5 l\u01b0u k\u00fd\/escrow n\u1ebfu c\u00f3).<\/span><\/p>\n<\/li>\n<li data-start=\"7766\" data-end=\"7901\">\n<p data-start=\"7768\" data-end=\"7901\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7768\" data-end=\"7800\">Ch\u1ee9ng nh\u1eadn an to\u00e0n th\u00f4ng tin<\/strong> n\u1ebfu c\u00f3 (ISO 27001, b\u00e1o c\u00e1o pentest), ho\u1eb7c cam k\u1ebft th\u1ef1c hi\u1ec7n ti\u00eau chu\u1ea9n trong giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m.<\/span><\/p>\n<\/li>\n<li data-start=\"7902\" data-end=\"8063\">\n<p data-start=\"7904\" data-end=\"8063\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7904\" data-end=\"7925\">T\u00e0i li\u1ec7u qu\u1ea3n tr\u1ecb<\/strong>: ngh\u1ecb quy\u1ebft c\u1ee7a H\u0110QT\/H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean (n\u1ebfu c\u00f3), n\u0103ng l\u1ef1c \u0111\u1ed9i ng\u0169 v\u1eadn h\u00e0nh, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"8065\" data-end=\"8288\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8065\" data-end=\"8083\">L\u01b0u \u00fd th\u1ef1c t\u1ebf:<\/strong> C\u00e1c \u0111\u01a1n v\u1ecb ph\u00e1p l\u00fd v\u00e0 k\u1ef9 thu\u1eadt n\u00ean chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 theo checklist chu\u1ea9n (m\u00e0 Ngh\u1ecb \u0111\u1ecbnh v\u00e0 Ph\u1ee5 l\u1ee5c m\u00f4 t\u1ea3), v\u00ec h\u1ed3 s\u01a1 thi\u1ebfu\/kh\u00f4ng thuy\u1ebft ph\u1ee5c th\u01b0\u1eddng b\u1ecb tr\u1ea3 l\u1ea1i ho\u1eb7c y\u00eau c\u1ea7u b\u1ed5 sung k\u00e9o d\u00e0i th\u1eddi gian ph\u00ea duy\u1ec7t.<\/span><\/p>\n<h3 style=\"text-align: justify;\" data-start=\"8290\" data-end=\"8360\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">2. Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh v\u00e0 c\u1ea5p ph\u00e9p (n\u1ed9p \u2192 th\u1ea9m \u0111\u1ecbnh \u2192 ph\u00ea duy\u1ec7t)<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"8361\" data-end=\"8966\">\n<li data-start=\"8361\" data-end=\"8444\">\n<p data-start=\"8363\" data-end=\"8444\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8363\" data-end=\"8377\">N\u1ed9p h\u1ed3 s\u01a1:<\/strong> Doanh nghi\u1ec7p n\u1ed9p h\u1ed3 s\u01a1 cho NHNN (theo \u0111\u1ea7u m\u1ed1i do NHNN quy \u0111\u1ecbnh).<\/span><\/p>\n<\/li>\n<li data-start=\"8445\" data-end=\"8717\">\n<p data-start=\"8447\" data-end=\"8717\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8447\" data-end=\"8461\">Th\u1ea9m \u0111\u1ecbnh:<\/strong> NHNN xem x\u00e9t h\u1ed3 s\u01a1, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, c\u01a1 quan li\u00ean quan (B\u1ed9 C\u00f4ng an v\u1ec1 an ninh m\u1ea1ng, B\u1ed9 T\u00e0i ch\u00ednh n\u1ebfu li\u00ean quan ch\u1ee9ng kho\u00e1n\/t\u00e0i s\u1ea3n, CIC v\u1ec1 d\u1eef li\u1ec7u t\u00edn d\u1ee5ng). NHNN c\u00f3 th\u1ec3 y\u00eau c\u1ea7u <strong data-start=\"8644\" data-end=\"8665\">ki\u1ec3m tra th\u1ef1c \u0111\u1ecba<\/strong> h\u1ec7 th\u1ed1ng. <\/span><\/p>\n<\/li>\n<li data-start=\"8445\" data-end=\"8717\">\n<p data-start=\"8447\" data-end=\"8717\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8720\" data-end=\"8735\">Quy\u1ebft \u0111\u1ecbnh:<\/strong> NHNN c\u1ea5p <strong data-start=\"8745\" data-end=\"8791\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn tham gia C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m<\/strong> k\u00e8m c\u00e1c \u0111i\u1ec1u ki\u1ec7n, gi\u1edbi h\u1ea1n th\u1eed nghi\u1ec7m (th\u1eddi h\u1ea1n, kh\u00e1ch h\u00e0ng, h\u1ea1n m\u1ee9c giao d\u1ecbch). N\u1ebfu kh\u00f4ng \u0111\u1ea1t, NHNN c\u00f3 v\u0103n b\u1ea3n t\u1eeb ch\u1ed1i n\u00eau r\u00f5 l\u00fd do. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\" data-start=\"8968\" data-end=\"9038\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">3. Th\u1eddi gian th\u1eed nghi\u1ec7m \u2014 khung ph\u00e1p l\u00fd v\u00e0 khuy\u1ebfn ngh\u1ecb th\u1ef1c ti\u1ec5n<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"9039\" data-end=\"9517\">\n<li data-start=\"9039\" data-end=\"9255\">\n<p data-start=\"9041\" data-end=\"9255\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9041\" data-end=\"9059\">Theo Ngh\u1ecb \u0111\u1ecbnh<\/strong>: <strong data-start=\"9061\" data-end=\"9099\">Th\u1eddi gian t\u1ed1i \u0111a th\u1eed nghi\u1ec7m 02 n\u0103m<\/strong> k\u1ec3 t\u1eeb ng\u00e0y c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn; c\u00f3 th\u1ec3 <strong data-start=\"9139\" data-end=\"9150\">gia h\u1ea1n<\/strong> (quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 \u0111i\u1ec1u ki\u1ec7n gia h\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u1ea1i \u0110i\u1ec1u 20).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"9256\" data-end=\"9517\">\n<p data-start=\"9258\" data-end=\"9517\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9258\" data-end=\"9283\">Khuy\u1ebfn ngh\u1ecb th\u1ef1c ti\u1ec5n<\/strong>: Doanh nghi\u1ec7p n\u00ean x\u00e2y d\u1ef1ng l\u1ed9 tr\u00ecnh th\u1eed nghi\u1ec7m nhi\u1ec1u giai \u0111o\u1ea1n (pilot 3\u20136 th\u00e1ng v\u1edbi nh\u00f3m nh\u1ecf; m\u1edf r\u1ed9ng c\u00f3 ki\u1ec3m so\u00e1t 6\u201312 th\u00e1ng; \u0111\u00e1nh gi\u00e1 \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh th\u01b0\u01a1ng m\u1ea1i h\u00f3a ho\u1eb7c d\u1eebng th\u1eed nghi\u1ec7m) \u2014 nh\u1eb1m t\u1ed1i \u01b0u thu th\u1eadp d\u1eef li\u1ec7u v\u00e0 gi\u1ea3m r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"9519\" data-end=\"9522\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"9524\" data-end=\"9615\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">IV. R\u1ee7i ro th\u1ef1c thi &amp; gi\u1ea3i ph\u00e1p gi\u1ea3m thi\u1ec3u \u2014 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft cho doanh nghi\u1ec7p v\u00e0 NHNN<\/span><\/strong><\/h2>\n<h3 style=\"text-align: justify;\" data-start=\"9617\" data-end=\"9638\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">1. R\u1ee7i ro ph\u00e1p l\u00fd<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"9639\" data-end=\"10000\">\n<li data-start=\"9639\" data-end=\"10000\">\n<p data-start=\"9641\" data-end=\"10000\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9641\" data-end=\"9665\">Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd<\/strong>: m\u1ed9t s\u1ed1 m\u00f4 h\u00ecnh (tokenized assets, smart contracts) ch\u01b0a c\u00f3 lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh r\u00f5 r\u00e0ng \u2192 r\u1ee7i ro v\u1ec1 hi\u1ec7u l\u1ef1c giao d\u1ecbch, quy\u1ec1n s\u1edf h\u1eefu.<\/span><br data-start=\"9795\" data-end=\"9798\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9800\" data-end=\"9814\">Gi\u1ea3i ph\u00e1p:<\/strong> trong h\u1ed3 s\u01a1 ph\u1ea3i n\u00eau ch\u1ebf \u0111\u1ed9 ph\u00e1p l\u00fd d\u1ef1 ki\u1ebfn, gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0; NHNN c\u1ea7n ph\u1ed1i h\u1ee3p B\u1ed9 T\u01b0 ph\u00e1p\/B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u ch\u1ec9nh.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\" data-start=\"10002\" data-end=\"10023\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">2. R\u1ee7i ro AML\/KYC<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"10024\" data-end=\"10340\">\n<li data-start=\"10024\" data-end=\"10340\">\n<p data-start=\"10026\" data-end=\"10340\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10026\" data-end=\"10045\">R\u1ee7i ro r\u1eeda ti\u1ec1n<\/strong> qua v\u00ed \u0111i\u1ec7n t\u1eed, t\u00e0i s\u1ea3n s\u1ed1.<\/span><br data-start=\"10073\" data-end=\"10076\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10078\" data-end=\"10092\">Gi\u1ea3i ph\u00e1p:<\/strong> \u00e1p d\u1ee5ng e-KYC, li\u00ean k\u1ebft d\u1eef li\u1ec7u \u0111\u1ecbnh danh qu\u1ed1c gia, gi\u00e1m s\u00e1t giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng, b\u00e1o c\u00e1o SAR (suspicious activity report) theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt AML. Ngh\u1ecb \u0111\u1ecbnh bu\u1ed9c doanh nghi\u1ec7p tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh AML\/CFT.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\" data-start=\"10342\" data-end=\"10373\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">3. R\u1ee7i ro an to\u00e0n th\u00f4ng tin<\/span><\/strong><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"10374\" data-end=\"10665\">\n<li data-start=\"10374\" data-end=\"10665\">\n<p data-start=\"10376\" data-end=\"10665\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10376\" data-end=\"10407\">R\u1ee7i ro t\u1ea5n c\u00f4ng, l\u1ed9 d\u1eef li\u1ec7u<\/strong>.<\/span><br data-start=\"10408\" data-end=\"10411\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10413\" data-end=\"10427\">Gi\u1ea3i ph\u00e1p:<\/strong> y\u00eau c\u1ea7u ch\u1ee9ng ch\u1ec9 ISO 27001 \/ SOC2 ho\u1eb7c pentest \u0111\u1ecbnh k\u1ef3, ph\u00e2n v\u00f9ng m\u1ea1ng, m\u00e3 h\u00f3a d\u1eef li\u1ec7u, ch\u00ednh s\u00e1ch backup &amp; DR (disaster recovery). Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ec1 c\u1eadp t\u1edbi c\u00e1c ti\u00eau chu\u1ea9n an to\u00e0n th\u00f4ng tin t\u1ed1i thi\u1ec3u.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\" data-start=\"10667\" data-end=\"10704\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">4. R\u1ee7i ro v\u1eadn h\u00e0nh v\u00e0 thanh kho\u1ea3n<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"10705\" data-end=\"10990\">\n<li data-start=\"10705\" data-end=\"10990\">\n<p data-start=\"10707\" data-end=\"10990\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u1eb7c bi\u1ec7t v\u1edbi P2P, n\u1ebfu n\u1ec1n t\u1ea3ng g\u1eb7p \u0111\u1ee9t qu\u00e3ng thanh kho\u1ea3n, nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf d\u1ec5 thi\u1ec7t h\u1ea1i.<\/span><br data-start=\"10793\" data-end=\"10796\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10798\" data-end=\"10812\">Gi\u1ea3i ph\u00e1p:<\/strong> gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 t\u00e0i s\u1ea3n d\u01b0\u1edbi qu\u1ea3n l\u00fd so v\u1edbi v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, y\u00eau c\u1ea7u qu\u1ef9 d\u1ef1 ph\u00f2ng\/b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, y\u00eau c\u1ea7u r\u00f5 r\u00e0ng v\u1ec1 escrow\/l\u01b0u k\u00fd ti\u1ec1n. <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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\" data-start=\"10992\" data-end=\"11021\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">5. R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c\/AI bias<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"11022\" data-end=\"11268\">\n<li data-start=\"11022\" data-end=\"11268\">\n<p data-start=\"11024\" data-end=\"11268\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">M\u00f4 h\u00ecnh AI \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh c\u00f3 th\u1ec3 mang \u201csai l\u1ec7ch\u201d d\u1eef li\u1ec7u.<\/span><br data-start=\"11084\" data-end=\"11087\" \/><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11089\" data-end=\"11103\">Gi\u1ea3i ph\u00e1p:<\/strong> y\u00eau c\u1ea7u gi\u1ea3i tr\u00ecnh thu\u1eadt to\u00e1n (AI explainability), ki\u1ec3m th\u1eed bias v\u00e0 audit \u0111\u1ed9c l\u1eadp, l\u01b0u log \u0111\u1ea7y \u0111\u1ee7 cho vi\u1ec7c ki\u1ec3m tra sau n\u00e0y.\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"11270\" data-end=\"11273\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"11275\" data-end=\"11363\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">V. Th\u1ef1c h\u00e0nh \u2014 Checklist h\u1ed3 s\u01a1 &amp; KPI gi\u00e1m s\u00e1t cho th\u1eed nghi\u1ec7m (g\u1ee3i \u00fd cho doanh nghi\u1ec7p)<\/span><\/strong><\/h2>\n<h3 style=\"text-align: justify;\" data-start=\"11365\" data-end=\"11420\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Checklist h\u1ed3 s\u01a1 t\u1ed1i thi\u1ec3u (theo \u0110i\u1ec1u 12 v\u00e0 Ph\u1ee5 l\u1ee5c)<\/span><\/h3>\n<ol style=\"text-align: justify;\" data-start=\"11421\" data-end=\"12196\">\n<li data-start=\"11421\" data-end=\"11511\">\n<p data-start=\"11424\" data-end=\"11511\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u01a1n \u0111\u0103ng k\u00fd theo m\u1eabu (Ph\u1ee5 l\u1ee5c c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"11512\" data-end=\"11663\">\n<p data-start=\"11515\" data-end=\"11663\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u1ec1 \u00e1n m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m\/use cases, ph\u1ea1m vi th\u1eed nghi\u1ec7m, target users v\u00e0 caps (gi\u1edbi h\u1ea1n kh\u00e1ch h\u00e0ng, giao d\u1ecbch).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"11664\" data-end=\"11783\">\n<p data-start=\"11667\" data-end=\"11783\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ph\u00e2n t\u00edch r\u1ee7i ro (ho\u1ea1t \u0111\u1ed9ng, ph\u00e1p l\u00fd, thanh kho\u1ea3n) + bi\u1ec7n ph\u00e1p gi\u1ea3m thi\u1ec3u.<\/span><\/p>\n<\/li>\n<li data-start=\"11784\" data-end=\"11878\">\n<p data-start=\"11787\" data-end=\"11878\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u1ebf ho\u1ea1ch KYC\/AML v\u00e0 quy tr\u00ecnh gi\u00e1m s\u00e1t giao d\u1ecbch.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"11879\" data-end=\"11985\">\n<p data-start=\"11882\" data-end=\"11985\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u01a1 \u0111\u1ed3 ki\u1ebfn tr\u00fac h\u1ec7 th\u1ed1ng, ph\u00e2n v\u00f9ng m\u1ea1ng, ch\u00ednh s\u00e1ch b\u1ea3o m\u1eadt.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"11986\" data-end=\"12092\">\n<p data-start=\"11989\" data-end=\"12092\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ch\u1ee9ng nh\u1eadn\/ho\u1eb7c k\u1ebf ho\u1ea1ch \u0111\u1ea1t ISO 27001\/SOC2, b\u00e1o c\u00e1o pentest.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"12093\" data-end=\"12196\">\n<p data-start=\"12096\" data-end=\"12196\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u1ebf ho\u1ea1ch truy\u1ec1n th\u00f4ng &amp; gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i; k\u1ebf ho\u1ea1ch exit.\u00a0<\/span><\/p>\n<\/li>\n<\/ol>\n<h3 style=\"text-align: justify;\" data-start=\"12198\" data-end=\"12277\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">KPI gi\u00e1m s\u00e1t giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m (g\u1ee3i \u00fd \u0111\u1ec3 NHNN &amp; doanh nghi\u1ec7p th\u1ed1ng nh\u1ea5t)<\/span><\/h3>\n<ul style=\"text-align: justify;\" data-start=\"12278\" data-end=\"12625\">\n<li data-start=\"12278\" data-end=\"12326\">\n<p data-start=\"12280\" data-end=\"12326\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng tham gia h\u00e0ng ng\u00e0y\/tu\u1ea7n.<\/span><\/p>\n<\/li>\n<li data-start=\"12327\" data-end=\"12382\">\n<p data-start=\"12329\" data-end=\"12382\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u1ed1 giao d\u1ecbch\/t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch tr\u00ean ng\u00e0y\/tu\u1ea7n.<\/span><\/p>\n<\/li>\n<li data-start=\"12383\" data-end=\"12447\">\n<p data-start=\"12385\" data-end=\"12447\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u1ed1 s\u1ef1 c\u1ed1 an ninh\/th\u00e1ng; th\u1eddi gian ph\u1ee5c h\u1ed3i b\u00ecnh qu\u00e2n (MTTR).<\/span><\/p>\n<\/li>\n<li data-start=\"12448\" data-end=\"12497\">\n<p data-start=\"12450\" data-end=\"12497\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ef7 l\u1ec7 giao d\u1ecbch th\u1ea5t b\u1ea1i\/ giao d\u1ecbch gian l\u1eadn.<\/span><\/p>\n<\/li>\n<li data-start=\"12498\" data-end=\"12556\">\n<p data-start=\"12500\" data-end=\"12556\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ef7 l\u1ec7 khi\u1ebfu n\u1ea1i v\u00e0 t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng tr\u1ea3 trong 30 ng\u00e0y.<\/span><\/p>\n<\/li>\n<li data-start=\"12557\" data-end=\"12625\">\n<p data-start=\"12559\" data-end=\"12625\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">M\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 b\u00e1o c\u00e1o AML: s\u1ed1 SAR g\u1eedi \/ s\u1ed1 giao d\u1ecbch nghi ng\u1edd.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"12627\" data-end=\"12630\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"12632\" data-end=\"12692\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VI. So s\u00e1nh ng\u1eafn v\u1edbi m\u00f4 h\u00ecnh qu\u1ed1c t\u1ebf &amp; h\u00e0m \u00fd cho Vi\u1ec7t Nam<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\" data-start=\"12694\" data-end=\"13099\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00e1c m\u00f4 h\u00ecnh sandbox qu\u1ed1c t\u1ebf (FCA \u2013 UK; MAS \u2013 Singapore) \u0111\u1ec1u: (i) ph\u00e2n lo\u1ea1i r\u1ee7i ro v\u00e0 \u00e1p gi\u1edbi h\u1ea1n; (ii) y\u00eau c\u1ea7u c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng (k\u00fd qu\u1ef9\/b\u1ea3o hi\u1ec3m); (iii) cung c\u1ea5p quy tr\u00ecnh t\u00e1c nghi\u1ec7p nhanh, linh ho\u1ea1t cho t\u1eebng cohort. NHNN v\u00e0 Ngh\u1ecb \u0111\u1ecbnh 94 \u0111\u00e3 h\u1ecdc h\u1ecfi nhi\u1ec1u \u0111i\u1ec3m n\u00e0y: \u0111\u1eb7c bi\u1ec7t \u1edf ch\u1ed7 <strong data-start=\"12982\" data-end=\"13000\">c\u1ea5u tr\u00fac h\u1ed3 s\u01a1<\/strong>, <strong data-start=\"13002\" data-end=\"13025\">gi\u1edbi h\u1ea1n th\u1eed nghi\u1ec7m<\/strong>, v\u00e0 <strong data-start=\"13030\" data-end=\"13058\">quy tr\u00e1ch nhi\u1ec7m gi\u00e1m s\u00e1t<\/strong>.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"13101\" data-end=\"13302\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13101\" data-end=\"13110\">H\u00e0m \u00fd<\/strong>: \u0111\u1ec3 \u0111\u1ea1t hi\u1ec7u qu\u1ea3, NHNN c\u1ea7n ph\u00e1t tri\u1ec3n SupTech (c\u00f4ng c\u1ee5 gi\u00e1m s\u00e1t t\u1ef1 \u0111\u1ed9ng), minh b\u1ea1ch h\u00f3a d\u1eef li\u1ec7u th\u1eed nghi\u1ec7m v\u00e0 thi\u1ebft l\u1eadp k\u00eanh h\u1ee3p t\u00e1c li\u00ean ng\u00e0nh (B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 C\u00f4ng an, B\u1ed9 TT&amp;TT, B\u1ed9 KH&amp;CN).<\/span><\/p>\n<hr data-start=\"13304\" data-end=\"13307\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"13309\" data-end=\"13366\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VII. Ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n (h\u01b0\u1edbng ng\u1eafn h\u1ea1n &amp; trung h\u1ea1n)<\/span><\/strong><\/h2>\n<ol style=\"text-align: justify;\" data-start=\"13368\" data-end=\"14089\">\n<li data-start=\"13368\" data-end=\"13548\">\n<p data-start=\"13371\" data-end=\"13548\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13371\" data-end=\"13411\">Ban h\u00e0nh Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft<\/strong> v\u1ec1 h\u1ed3 s\u01a1 (m\u1eabu XML\/JSON cho b\u00e1o c\u00e1o), \u0111\u1ecbnh ngh\u0129a \u201cch\u1ec9 ti\u00eau an to\u00e0n\u201d v\u00e0 ng\u01b0\u1ee1ng c\u1ea3nh b\u00e1o t\u1ef1 \u0111\u1ed9ng.<\/span><\/p>\n<\/li>\n<li data-start=\"13549\" data-end=\"13672\">\n<p data-start=\"13552\" data-end=\"13672\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13552\" data-end=\"13602\">Quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c c\u01a1 ch\u1ebf qu\u1ef9 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng<\/strong> \/ y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m cho c\u00e1c th\u1eed nghi\u1ec7m c\u00f3 r\u1ee7i ro t\u00e0i s\u1ea3n ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n<\/li>\n<li data-start=\"13673\" data-end=\"13810\">\n<p data-start=\"13676\" data-end=\"13810\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13676\" data-end=\"13722\">X\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u sandbox qu\u1ed1c gia<\/strong> \u2014 n\u01a1i NHNN l\u01b0u tr\u1eef v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u th\u1eed nghi\u1ec7m, m\u1edf cho c\u00e1c b\u00ean ki\u1ec3m \u0111\u1ecbnh \u0111\u1ed9c l\u1eadp.<\/span><\/p>\n<\/li>\n<li data-start=\"13811\" data-end=\"13932\">\n<p data-start=\"13814\" data-end=\"13932\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13814\" data-end=\"13863\">\u0110\u00e0o t\u1ea1o, t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c SupTech cho NHNN<\/strong>: tuy\u1ec3n chuy\u00ean gia d\u1eef li\u1ec7u, chuy\u00ean gia AI, chuy\u00ean gia an ninh m\u1ea1ng.<\/span><\/p>\n<\/li>\n<li data-start=\"13933\" data-end=\"14089\">\n<p data-start=\"13936\" data-end=\"14089\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13936\" data-end=\"13972\">Minh b\u1ea1ch h\u00f3a k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m<\/strong> (v\u1edbi th\u00f4ng tin k\u00edn cho l\u00fd do b\u1ea3o m\u1eadt) \u0111\u1ec3 c\u1ed9ng \u0111\u1ed3ng h\u1ecdc h\u1ecfi v\u00e0 c\u00e1c \u0111\u1ec1 xu\u1ea5t lu\u1eadt h\u00f3a xu\u1ea5t ph\u00e1t t\u1eeb d\u1eef li\u1ec7u th\u1ef1c ti\u1ec5n.<\/span><\/p>\n<\/li>\n<\/ol>\n<hr data-start=\"14091\" data-end=\"14094\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"14096\" data-end=\"14113\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VIII. K\u1ebft lu\u1eadn b\u00e0i vi\u1ebft<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\" data-start=\"14115\" data-end=\"14664\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP l\u00e0 b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c quan tr\u1ecdng \u0111\u01b0a Vi\u1ec7t Nam v\u00e0o l\u00e0n s\u00f3ng qu\u1ed1c t\u1ebf v\u1ec1 qu\u1ea3n tr\u1ecb \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh. Vi\u1ec7c qui \u0111\u1ecbnh r\u00f5 <strong data-start=\"14254\" data-end=\"14276\">ph\u1ea1m vi th\u1eed nghi\u1ec7m<\/strong> (payments, P2P, t\u00e0i s\u1ea3n s\u1ed1, blockchain\/AI), c\u00f9ng <strong data-start=\"14326\" data-end=\"14361\">nguy\u00ean t\u1eafc gi\u1edbi h\u1ea1n v\u00e0 gi\u00e1m s\u00e1t<\/strong> gi\u00fap t\u1ea1o m\u00f4i tr\u01b0\u1eddng an to\u00e0n \u0111\u1ec3 thu th\u1eadp b\u00e0i h\u1ecdc qu\u1ea3n l\u00fd th\u1ef1c ti\u1ec5n. Tuy nhi\u00ean, hi\u1ec7u qu\u1ea3 th\u1ef1c thi ph\u1ee5 thu\u1ed9c v\u00e0o chi ti\u1ebft h\u01b0\u1edbng d\u1eabn, n\u0103ng l\u1ef1c gi\u00e1m s\u00e1t c\u1ee7a NHNN v\u00e0 kh\u1ea3 n\u0103ng h\u1ee3p t\u00e1c li\u00ean ng\u00e0nh \u2014 \u0111\u1eb7c bi\u1ec7t trong c\u00e1c v\u1ea5n \u0111\u1ec1 AML, an ninh m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb.\u00a0<\/span><\/p>\n<hr data-start=\"14666\" data-end=\"14669\" \/>\n<h3 style=\"text-align: justify;\" data-start=\"14671\" data-end=\"14712\"><strong><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u00e0i li\u1ec7u tham kh\u1ea3o ch\u00ednh (tr\u00edch ch\u1ecdn)<\/span><\/strong><\/h3>\n<ul data-start=\"14713\" data-end=\"15325\">\n<li style=\"text-align: justify;\" data-start=\"14713\" data-end=\"14878\">\n<p data-start=\"14715\" data-end=\"14878\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 <strong data-start=\"14728\" data-end=\"14745\">94\/2025\/N\u0110-CP<\/strong> quy \u0111\u1ecbnh 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. (V\u0103n b\u1ea3n ch\u00ednh th\u1ee9c). <a href=\"http:\/\/vungocdung.comm\"><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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">V\u0103n b\u1ea3n Ch\u00ednh Ph\u1ee7<\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/p>\n<\/li>\n<li style=\"text-align: justify;\" data-start=\"14879\" data-end=\"14991\">\n<p data-start=\"14881\" data-end=\"14991\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">B\u1ea3n t\u00f3m t\u1eaft, \u0110i\u1ec1u 6 (th\u1eddi gian th\u1eed nghi\u1ec7m): Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP. <a href=\"http:\/\/vungocdung.com\"><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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">TH\u01af VI\u1ec6N\u00a0 LU\u1eacT<\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/p>\n<\/li>\n<li style=\"text-align: justify;\" data-start=\"14992\" data-end=\"15151\">\n<p data-start=\"14994\" data-end=\"15151\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">H\u01b0\u1edbng d\u1eabn h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd tham gia (\u0110i\u1ec1u 12; m\u1eabu h\u1ed3 s\u01a1 \u0111\u1ed1i v\u1edbi P2P lending): Th\u01b0 vi\u1ec7n Ph\u00e1p lu\u1eadt\/ tr\u00edch d\u1eabn Ngh\u1ecb \u0111\u1ecbnh. <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\"><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\">TH\u01af VI\u1ec6N PH\u00c1P LU\u1eacT<\/span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<li style=\"text-align: justify;\" data-start=\"15152\" data-end=\"15226\">\n<p data-start=\"15154\" data-end=\"15226\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">FCA \u2014 Regulatory Sandbox (UK). <a href=\"http:\/\/vungocdung.com\"><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\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">FCA<\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/p>\n<\/li>\n<li data-start=\"15227\" data-end=\"15325\">\n<p style=\"text-align: justify;\" data-start=\"15229\" data-end=\"15325\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">MAS \u2014 FinTech Regulatory Sandbox Guidelines (Singapore). <span class=\"\" data-state=\"delayed-open\" aria-describedby=\"radix-\u00abr1he\u00bb\"><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\" aria-describedby=\"radix-\u00abr1he\u00bb\"><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 overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Monetary Authority of Singapore<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p>========<\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\"><strong>C\u00f4ng ty Lu\u1eadt 911 &#8211; t\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt v\u1ec1 Fintech v\u00e0 ngh\u1ecb \u0111\u1ecbnh 94<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lu\u1eadt s\u01b0 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP (Ngh\u1ecb \u0111\u1ecbnh 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). B\u00e0i t\u00edch h\u1ee3p tr\u00edch d\u1eabn v\u0103n [&hellip;]<\/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-4233","post","type-post","status-publish","format-standard","has-post-thumbnail","category-fintech-va-phap-ly"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lu\u1eadt s\u01b0 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia theo 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&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=4233\" \/>\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 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia theo 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&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\" \/>\n<meta property=\"og:description\" content=\"Lu\u1eadt s\u01b0 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u (\u0111\u1ea7y \u0111\u1ee7, lu\u1eadn gi\u1ea3i ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n) v\u1ec1 Ph\u1ea1m vi th\u1eed nghi\u1ec7m \u2014 Nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u2014 Th\u1ee7 t\u1ee5c tham gia theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP (Ngh\u1ecb \u0111\u1ecbnh 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). 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