{"id":26945,"date":"2025-04-22T15:39:07","date_gmt":"2025-04-22T08:39:07","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=26945"},"modified":"2025-04-22T15:50:18","modified_gmt":"2025-04-22T08:50:18","slug":"tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/","title":{"rendered":"Ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;26945&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><strong>Ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam l\u00e0 g\u00ec?<\/strong><\/p>\n<p>H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 gi\u00fap ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng an to\u00e0n, tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3. C\u00e1c ti\u00eau chu\u1ea9n ch\u00ednh bao g\u1ed3m:<\/p>\n<ul>\n<li><strong>Ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m<\/strong>: T\u00e1ch bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn nghi\u1ec7p v\u1ee5, qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9.<\/li>\n<li><strong>Quy tr\u00ecnh ph\u00ea duy\u1ec7t \u0111a c\u1ea5p<\/strong>: Giao d\u1ecbch quan tr\u1ecdng c\u1ea7n \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t b\u1edfi \u00edt nh\u1ea5t 2 c\u1ea5p qu\u1ea3n l\u00fd.<\/li>\n<li><strong>B\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3<\/strong>: B\u00e1o c\u00e1o ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo qu\u00fd v\u00e0 n\u0103m.<\/li>\n<\/ul>\n<p><strong>Y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 cho ng\u00e2n h\u00e0ng:<\/strong><\/p>\n<ul>\n<li>Th\u00e0nh l\u1eadp Ban Ki\u1ec3m so\u00e1t \u0111\u1ed9c l\u1eadp v\u00e0 b\u1ed9 ph\u1eadn Ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 tr\u1ef1c thu\u1ed9c H\u0110QT.<\/li>\n<li>X\u00e2y d\u1ef1ng khung qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n v\u00e0 h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o s\u1edbm.<\/li>\n<li>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh.<\/li>\n<\/ul>\n<p><strong>Quy \u0111\u1ecbnh m\u1edbi trong<\/strong> <strong>Th\u00f4ng t\u01b0 14\/2023\/TT-NHNN<\/strong><strong>:<\/strong><\/p>\n<ul>\n<li>H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u1ea3i ph\u00ea duy\u1ec7t chi\u1ebfn l\u01b0\u1ee3c r\u1ee7i ro.<\/li>\n<li>B\u00e1o c\u00e1o s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng trong v\u00f2ng 24 gi\u1edd.<\/li>\n<li>Gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/li>\n<\/ul>\n<p>C\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i v\u00e0 \u0111\u00e0o t\u1ea1o nh\u00e2n s\u1ef1 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n n\u00e0y, \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 v\u00e0 minh b\u1ea1ch trong ho\u1ea1t \u0111\u1ed9ng.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Tieu_chuan_kiem_soat_noi_bo_bat_buoc\" title=\"Ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 b\u1eaft bu\u1ed9c\">Ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 b\u1eaft bu\u1ed9c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Yeu_cau_kiem_soat_co_ban\" title=\"Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t c\u01a1 b\u1ea3n\">Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t c\u01a1 b\u1ea3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Yeu_cau_dac_thu_cho_ngan_hang\" title=\"Y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 cho ng\u00e2n h\u00e0ng\">Y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 cho ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Quy_dinh_moi_theo_Thong_tu_142023TT-NHNN\" title=\"Quy \u0111\u1ecbnh m\u1edbi theo Th\u00f4ng t\u01b0 14\/2023\/TT-NHNN\">Quy \u0111\u1ecbnh m\u1edbi theo Th\u00f4ng t\u01b0 14\/2023\/TT-NHNN<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Thiet_lap_he_thong_kiem_soat_noi_bo\" title=\"Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9\">Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Phuong_phap_danh_gia_rui_ro\" title=\"Ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro\">Ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Mo_hinh_phong_thu_3_tuyen\" title=\"M\u00f4 h\u00ecnh ph\u00f2ng th\u1ee7 3 tuy\u1ebfn\">M\u00f4 h\u00ecnh ph\u00f2ng th\u1ee7 3 tuy\u1ebfn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Cong_nghe_he_thong_kiem_soat\" title=\"C\u00f4ng ngh\u1ec7 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t\">C\u00f4ng ngh\u1ec7 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Van_de_va_giai_phap\" title=\"V\u1ea5n \u0111\u1ec1 v\u00e0 gi\u1ea3i ph\u00e1p\">V\u1ea5n \u0111\u1ec1 v\u00e0 gi\u1ea3i ph\u00e1p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Nhung_thach_thuc_pho_bien_trong_kiem_soat\" title=\"Nh\u1eefng th\u00e1ch th\u1ee9c ph\u1ed5 bi\u1ebfn trong ki\u1ec3m so\u00e1t\">Nh\u1eefng th\u00e1ch th\u1ee9c ph\u1ed5 bi\u1ebfn trong ki\u1ec3m so\u00e1t<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Cac_giai_phap_cai_thien\" title=\"C\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n\">C\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/tieu-chuan-kiem-soat-noi-bo-ngan-hang-tai-viet-nam-tc\/#Tong_ket\" title=\"T\u1ed5ng k\u1ebft\">T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tieu_chuan_kiem_soat_noi_bo_bat_buoc\"><\/span>Ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 b\u1eaft bu\u1ed9c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Yeu_cau_kiem_soat_co_ban\"><\/span>Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t c\u01a1 b\u1ea3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam c\u1ea7n tu\u00e2n th\u1ee7 nh\u1eefng y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 c\u01a1 b\u1ea3n nh\u01b0 sau:<\/p>\n<ul>\n<li><strong>Ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m r\u00f5 r\u00e0ng<\/strong>: \u0110\u1ea3m b\u1ea3o s\u1ef1 t\u00e1ch bi\u1ec7t gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn nghi\u1ec7p v\u1ee5, qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9.<\/li>\n<li><strong>Quy tr\u00ecnh ph\u00ea duy\u1ec7t \u0111a c\u1ea5p<\/strong>: C\u00e1c giao d\u1ecbch quan tr\u1ecdng ph\u1ea3i \u0111\u01b0\u1ee3c ki\u1ec3m duy\u1ec7t b\u1edfi \u00edt nh\u1ea5t hai c\u1ea5p qu\u1ea3n l\u00fd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c v\u00e0 minh b\u1ea1ch.<\/li>\n<li><strong>H\u1ec7 th\u1ed1ng b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3<\/strong>: B\u00e1o c\u00e1o chi ti\u1ebft v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) theo qu\u00fd v\u00e0 n\u0103m.<\/li>\n<\/ul>\n<p>Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f2n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t chuy\u00ean bi\u1ec7t.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Yeu_cau_dac_thu_cho_ngan_hang\"><\/span>Y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 cho ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n tu\u00e2n th\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n sau:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">L\u0129nh v\u1ef1c<\/th>\n<th colspan=\"1\" rowspan=\"1\">Y\u00eau c\u1ea7u c\u1ee5 th\u1ec3<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">B\u1ed9 m\u00e1y t\u1ed5 ch\u1ee9c<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Th\u00e0nh l\u1eadp Ban Ki\u1ec3m so\u00e1t \u0111\u1ed9c l\u1eadp<br \/>\n&#8211; B\u1ed9 ph\u1eadn Ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 tr\u1ef1c thu\u1ed9c H\u0110QT<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd r\u1ee7i ro<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; X\u00e2y d\u1ef1ng khung qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n<br \/>\n&#8211; Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o s\u1edbm<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u00f4ng ngh\u1ec7<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; H\u1ec7 th\u1ed1ng CNTT \u0111\u1ea3m b\u1ea3o an to\u00e0n<br \/>\n&#8211; Ph\u01b0\u01a1ng \u00e1n d\u1ef1 ph\u00f2ng v\u00e0 kh\u00f4i ph\u1ee5c d\u1eef li\u1ec7u<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Quy_dinh_moi_theo_Thong_tu_142023TT-NHNN\"><\/span>Quy \u0111\u1ecbnh m\u1edbi theo Th\u00f4ng t\u01b0 14\/2023\/TT-NHNN<img class=\"ProseMirror-separator\" alt=\"\" \/><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf s\u1ed1 h\u00f3a, c\u00e1c quy \u0111\u1ecbnh m\u1edbi \u0111\u00e3 b\u1ed5 sung nh\u1eefng y\u00eau c\u1ea7u sau:<\/p>\n<ul>\n<li><strong>T\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a H\u0110QT<\/strong>: H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u1ea3i tr\u1ef1c ti\u1ebfp ph\u00ea duy\u1ec7t chi\u1ebfn l\u01b0\u1ee3c v\u00e0 ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro.<\/li>\n<li><strong>N\u00e2ng cao ti\u00eau chu\u1ea9n b\u00e1o c\u00e1o<\/strong>: Y\u00eau c\u1ea7u b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 bi\u1ec7n ph\u00e1p kh\u1eafc ph\u1ee5c trong v\u00f2ng 24 gi\u1edd \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p nghi\u00eam tr\u1ecdng.<\/li>\n<li><strong>M\u1edf r\u1ed9ng ph\u1ea1m vi gi\u00e1m s\u00e1t<\/strong>: B\u1ed5 sung gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/li>\n<\/ul>\n<p>Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y gi\u00fap n\u00e2ng cao t\u00ednh minh b\u1ea1ch v\u00e0 hi\u1ec7u qu\u1ea3 trong ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n        <p class=\"my-3\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n        <p class=\"my-3\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"Thiet_lap_he_thong_kiem_soat_noi_bo\"><\/span>Thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vi\u1ec7c thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 l\u00e0 m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng di\u1ec5n ra hi\u1ec7u qu\u1ea3 sau khi \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c ti\u00eau chu\u1ea9n v\u00e0 y\u00eau c\u1ea7u c\u1ea7n thi\u1ebft.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Phuong_phap_danh_gia_rui_ro\"><\/span>Ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 hi\u1ec7u qu\u1ea3, c\u1ea7n c\u00f3 m\u1ed9t quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro r\u00f5 r\u00e0ng. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng, bao g\u1ed3m c\u00e1c b\u01b0\u1edbc:<\/p>\n<ul>\n<li><strong>Nh\u1eadn di\u1ec7n r\u1ee7i ro<\/strong>: X\u00e1c \u0111\u1ecbnh c\u00e1c lo\u1ea1i r\u1ee7i ro ch\u00ednh nh\u01b0 r\u1ee7i ro t\u00edn d\u1ee5ng, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng, v\u00e0 r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng.<\/li>\n<li><strong>\u0110o l\u01b0\u1eddng m\u1ee9c \u0111\u1ed9 r\u1ee7i ro<\/strong>: S\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a r\u1ee7i ro.<\/li>\n<li><strong>Gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t<\/strong>: \u0110\u1eb7t ra c\u00e1c ng\u01b0\u1ee1ng c\u1ea3nh b\u00e1o v\u00e0 h\u1ea1n m\u1ee9c r\u1ee7i ro ph\u00f9 h\u1ee3p \u0111\u1ec3 k\u1ecbp th\u1eddi x\u1eed l\u00fd.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Mo_hinh_phong_thu_3_tuyen\"><\/span>M\u00f4 h\u00ecnh ph\u00f2ng th\u1ee7 3 tuy\u1ebfn<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c theo m\u00f4 h\u00ecnh 3 tuy\u1ebfn ph\u00f2ng th\u1ee7, m\u1ed7i tuy\u1ebfn c\u00f3 ch\u1ee9c n\u0103ng v\u00e0 tr\u00e1ch nhi\u1ec7m ri\u00eang:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Tuy\u1ebfn ph\u00f2ng th\u1ee7<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ch\u1ee9c n\u0103ng ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">Tr\u00e1ch nhi\u1ec7m<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Tuy\u1ebfn 1<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd nghi\u1ec7p v\u1ee5<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Th\u1ef1c hi\u1ec7n ki\u1ec3m so\u00e1t h\u00e0ng ng\u00e0y v\u00e0 tu\u00e2n th\u1ee7 quy tr\u00ecnh nghi\u1ec7p v\u1ee5<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Tuy\u1ebfn 2<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd r\u1ee7i ro<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; X\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch v\u00e0 quy tr\u00ecnh &#8211; Gi\u00e1m s\u00e1t vi\u1ec7c tu\u00e2n th\u1ee7<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Tuy\u1ebfn 3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; \u0110\u00e1nh gi\u00e1 \u0111\u1ed9c l\u1eadp &#8211; B\u00e1o c\u00e1o tr\u1ef1c ti\u1ebfp H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>C\u00f4ng ngh\u1ec7 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c h\u1ed7 tr\u1ee3 m\u00f4 h\u00ecnh n\u00e0y, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong gi\u00e1m s\u00e1t v\u00e0 b\u00e1o c\u00e1o.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cong_nghe_he_thong_kiem_soat\"><\/span>C\u00f4ng ngh\u1ec7 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e2n h\u00e0ng c\u1ea7n \u00e1p d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9:<\/p>\n<p><strong>H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edch h\u1ee3p<\/strong><\/p>\n<ul>\n<li>Ph\u00e1t hi\u1ec7n t\u1ef1 \u0111\u1ed9ng c\u00e1c giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng.<\/li>\n<li>C\u1ea3nh b\u00e1o s\u1edbm v\u1ec1 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/li>\n<li>Theo d\u00f5i c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro ch\u00ednh (KRI) \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n.<\/li>\n<\/ul>\n<p><strong>H\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt th\u00f4ng tin<\/strong><\/p>\n<ul>\n<li>Qu\u1ea3n l\u00fd truy c\u1eadp d\u1ef1a tr\u00ean ph\u00e2n quy\u1ec1n.<\/li>\n<li>M\u00e3 h\u00f3a d\u1eef li\u1ec7u quan tr\u1ecdng \u0111\u1ec3 ng\u0103n ch\u1eb7n r\u00f2 r\u1ec9.<\/li>\n<li>Ghi nh\u1eadn v\u00e0 gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch.<\/li>\n<\/ul>\n<p><strong>H\u1ec7 th\u1ed1ng b\u00e1o c\u00e1o qu\u1ea3n tr\u1ecb<\/strong><\/p>\n<ul>\n<li>T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c t\u1ea1o b\u00e1o c\u00e1o theo y\u00eau c\u1ea7u.<\/li>\n<li>Ph\u00e2n t\u00edch d\u1eef li\u1ec7u theo th\u1eddi gian th\u1ef1c \u0111\u1ec3 h\u1ed7 tr\u1ee3 ra quy\u1ebft \u0111\u1ecbnh.<\/li>\n<li>T\u00edch h\u1ee3p th\u00f4ng tin t\u1eeb nhi\u1ec1u ngu\u1ed3n, gi\u00fap qu\u1ea3n tr\u1ecb d\u1ec5 d\u00e0ng h\u01a1n.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Van_de_va_giai_phap\"><\/span>V\u1ea5n \u0111\u1ec1 v\u00e0 gi\u1ea3i ph\u00e1p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Nhung_thach_thuc_pho_bien_trong_kiem_soat\"><\/span>Nh\u1eefng th\u00e1ch th\u1ee9c ph\u1ed5 bi\u1ebfn trong ki\u1ec3m so\u00e1t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam th\u01b0\u1eddng \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n trong vi\u1ec7c th\u1ef1c hi\u1ec7n ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c ch\u00ednh c\u00f9ng t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u00fang:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">L\u0129nh v\u1ef1c<\/th>\n<th colspan=\"1\" rowspan=\"1\">Th\u00e1ch th\u1ee9c ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">T\u00e1c \u0111\u1ed9ng<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Nh\u00e2n s\u1ef1<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thi\u1ebfu kinh nghi\u1ec7m chuy\u00ean m\u00f4n<\/td>\n<td colspan=\"1\" rowspan=\"1\">X\u1eed l\u00fd ch\u1eadm c\u00e1c s\u1ef1 c\u1ed1 ph\u00e1t sinh<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u00f4ng ngh\u1ec7<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u1ec7 th\u1ed1ng ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ed3ng b\u1ed9<\/td>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f3 kh\u0103n trong qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Quy tr\u00ecnh<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u00e1 tr\u00ecnh th\u1ee7 c\u00f4ng, ch\u01b0a t\u1ef1 \u0111\u1ed9ng h\u00f3a<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gia t\u0103ng chi ph\u00ed v\u1eadn h\u00e0nh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0110\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee5 th\u1ec3 nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3 ki\u1ec3m so\u00e1t.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_giai_phap_cai_thien\"><\/span>C\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c<\/strong><\/p>\n<ul>\n<li>T\u1ed5 ch\u1ee9c c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o chuy\u00ean s\u00e2u v\u1ec1 ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9.<\/li>\n<li>\u0110\u1ecbnh k\u1ef3 c\u1eadp nh\u1eadt ki\u1ebfn th\u1ee9c qua c\u00e1c kh\u00f3a h\u1ecdc chuy\u00ean m\u00f4n.<\/li>\n<li>X\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf \u0111\u00e1nh gi\u00e1 v\u00e0 khen th\u01b0\u1edfng nh\u1eb1m khuy\u1ebfn kh\u00edch nh\u00e2n vi\u00ean.<\/li>\n<\/ul>\n<p><strong>C\u1eadp nh\u1eadt v\u00e0 n\u00e2ng c\u1ea5p c\u00f4ng ngh\u1ec7<\/strong><\/p>\n<ul>\n<li>\u1ee8ng d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p t\u1ef1 \u0111\u1ed9ng h\u00f3a trong quy tr\u00ecnh ki\u1ec3m so\u00e1t.<\/li>\n<li>S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 ph\u00e1t hi\u1ec7n r\u1ee7i ro s\u1edbm.<\/li>\n<li>T\u00edch h\u1ee3p c\u00e1c h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro ti\u00ean ti\u1ebfn, ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<p><strong>N\u00e2ng cao v\u0103n h\u00f3a tu\u00e2n th\u1ee7<\/strong><\/p>\n<ul>\n<li>T\u1ea1o m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c minh b\u1ea1ch, khuy\u1ebfn kh\u00edch s\u1ef1 trung th\u1ef1c.<\/li>\n<li>Khuy\u1ebfn kh\u00edch nh\u00e2n vi\u00ean ch\u1ee7 \u0111\u1ed9ng b\u00e1o c\u00e1o c\u00e1c v\u1ea5n \u0111\u1ec1 b\u1ea5t th\u01b0\u1eddng.<\/li>\n<li>T\u0103ng c\u01b0\u1eddng tr\u00e1ch nhi\u1ec7m gi\u1ea3i tr\u00ecnh \u1edf t\u1ea5t c\u1ea3 c\u00e1c c\u1ea5p qu\u1ea3n l\u00fd.<\/li>\n<\/ul>\n<p>\u0110\u1ec3 th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3 c\u00e1c gi\u1ea3i ph\u00e1p tr\u00ean, ng\u00e2n h\u00e0ng c\u1ea7n:<\/p>\n<ul>\n<li>Ph\u00e2n b\u1ed5 ng\u00e2n s\u00e1ch h\u1ee3p l\u00fd cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng n\u00e2ng c\u1ea5p v\u00e0 c\u1ea3i ti\u1ebfn.<\/li>\n<li>L\u1eadp k\u1ebf ho\u1ea1ch tri\u1ec3n khai r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3.<\/li>\n<li>Th\u01b0\u1eddng xuy\u00ean \u0111\u00e1nh gi\u00e1, \u0111i\u1ec1u ch\u1ec9nh c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span>T\u1ed5ng k\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u0111\u00f3ng vai tr\u00f2 trung t\u00e2m trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. Th\u00f4ng t\u01b0 14\/2023\/TT-NHNN \u0111\u01b0a ra c\u00e1c ti\u00eau chu\u1ea9n ki\u1ec3m so\u00e1t nghi\u00eam ng\u1eb7t, y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng c\u1ee7a m\u1ed9t h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 hi\u1ec7u qu\u1ea3:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Y\u1ebfu t\u1ed1<\/th>\n<th colspan=\"1\" rowspan=\"1\">Y\u00eau c\u1ea7u ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u1ee5c ti\u00eau<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c<\/td>\n<td colspan=\"1\" rowspan=\"1\">M\u00f4 h\u00ecnh 3 tuy\u1ebfn ph\u00f2ng th\u1ee7<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u1ea3m b\u1ea3o ki\u1ec3m so\u00e1t nhi\u1ec1u l\u1edbp<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Quy tr\u00ecnh nghi\u1ec7p v\u1ee5<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 s\u1ed1 h\u00f3a<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1eadn h\u00e0nh<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u00f4ng ngh\u1ec7<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u1ec7 th\u1ed1ng t\u00edch h\u1ee3p<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng gi\u00e1m s\u00e1t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p c\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li><strong>Ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c<\/strong>: T\u0103ng c\u01b0\u1eddng \u0111\u00e0o t\u1ea1o v\u1ec1 qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 k\u1ef9 n\u0103ng ki\u1ec3m so\u00e1t.<\/li>\n<li><strong>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7<\/strong>: \u0110\u1ea9y m\u1ea1nh t\u00edch h\u1ee3p t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u.<\/li>\n<li><strong>X\u00e2y d\u1ef1ng v\u0103n h\u00f3a tu\u00e2n th\u1ee7<\/strong>: T\u1ea1o m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c minh b\u1ea1ch v\u00e0 c\u00f3 tr\u00e1ch nhi\u1ec7m cao.<\/li>\n<\/ul>\n<p>Vi\u1ec7c c\u1ea3i thi\u1ec7n nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd m\u00e0 c\u00f2n t\u0103ng c\u01b0\u1eddng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u1ed5 \u0111\u00f4ng trong b\u1ed1i c\u1ea3nh h\u1ed9i nh\u1eadp to\u00e0n c\u1ea7u. Nh\u1eefng thay \u0111\u1ed5i n\u00e0y l\u00e0 b\u01b0\u1edbc \u0111i c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ki&#7875;m so&aacute;t n&#7897;i b&#7897; ng&acirc;n h&agrave;ng t&#7841;i Vi&#7879;t Nam l&agrave; g&igrave;? H&#7879; th&#7889;ng ki&#7875;m so&aacute;t n&#7897;i b&#7897; gi&uacute;p ng&acirc;n h&agrave;ng ho&#7841;t &#273;&#7897;ng an to&agrave;n, tu&acirc;n th&#7911; ph&aacute;p lu&#7853;t v&agrave; qu&#7843;n l&yacute; r&#7911;i ro hi&#7879;u qu&#7843;. C&aacute;c ti&ecirc;u chu&#7849;n ch&iacute;nh bao g&#7891;m: Ph&acirc;n &#273;&#7883;nh tr&aacute;ch nhi&#7879;m: T&aacute;ch bi&#7879;t r&otilde; r&agrave;ng gi&#7919;a c&aacute;c b&#7897; ph&#7853;n nghi&#7879;p v&#7909;, [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26945","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=26945"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26945\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26947"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}