{"id":1272,"date":"2020-04-24T10:45:45","date_gmt":"2020-04-24T03:45:45","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=1272"},"modified":"2020-04-24T10:45:45","modified_gmt":"2020-04-24T03:45:45","slug":"day-manh-toan-dien-nen-tang-phat-trien-kinh-te-khong-tien-mat","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/day-manh-toan-dien-nen-tang-phat-trien-kinh-te-khong-tien-mat\/","title":{"rendered":"\u0110\u1ea9y m\u1ea1nh to\u00e0n di\u1ec7n n\u1ec1n t\u1ea3ng ph\u00e1t tri\u1ec3n kinh t\u1ebf kh\u00f4ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"

Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu s\u1ebd t\u1ea1o ra t\u00e1c \u0111\u1ed9ng \u0111a chi\u1ec1u, v\u1eeba mang l\u1ea1i ti\u1ec7n \u00edch cho ng\u01b0\u1eddi d\u00e2n, v\u1eeba t\u1ea1o \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf v\u00e0 \u0111ang \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch \u0111\u1ea9y m\u1ea1nh.<\/span><\/p>\n

\u0110\u1ea7u n\u0103m 2020, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ph\u00ea duy\u1ec7t Chi\u1ebfn l\u01b0\u1ee3c\u00a0t\u00e0i ch\u00ednh<\/a>\u00a0to\u00e0n di\u1ec7n qu\u1ed1c gia \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030 trong quy\u1ebft \u0111\u1ecbnh 149\/Q\u0110-TTg. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 c\u00f3 nhi\u1ec1u \u0111i\u1ec3m s\u00e1ng, m\u1ed9t \u0111\u1ecbnh h\u01b0\u1edbng mang t\u00ednh \u0111\u1ed9t ph\u00e1, \u0111\u01b0a n\u1ec1n t\u00e0i ch\u00ednh Vi\u1ec7t Nam b\u1eaft k\u1ecbp v\u1edbi xu h\u01b0\u1edbng c\u1ee7a th\u1ebf gi\u1edbi v\u00e0 l\u00e0 n\u1ec1n t\u1ea3ng cho\u00a0ph\u00e1t tri\u1ec3n kinh t\u1ebf<\/a>\u00a0kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/span><\/div>\n

Hi\u1ec7n th\u1ef1c h\u00f3a \u201cgi\u1ea5c m\u01a1\u201d thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t<\/span><\/h2>\n
Tr\u01b0\u1edbc \u0111\u00f3, theo m\u1ee5c ti\u00eau c\u1ee7a \u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t giai \u0111o\u1ea1n 2016 – 2020, Vi\u1ec7t Nam ph\u1ea3i t\u1ea1o \u0111\u01b0\u1ee3c s\u1ef1 chuy\u1ec3n bi\u1ebfn r\u00f5 r\u1ec7t v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c n\u00e0y, l\u00e0m thay \u0111\u1ed5i d\u1ea7n t\u1eadp qu\u00e1n s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n trong x\u00e3 h\u1ed9i, gi\u1ea3m t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t trong l\u01b0u th\u00f4ng t\u00ednh tr\u00ean GDP, ti\u1ec1n m\u1eb7t tr\u00ean t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n. Tuy nhi\u00ean, hi\u1ec7n nay Vi\u1ec7t Nam v\u1eabn \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng qu\u1ed1c gia c\u00f3 t\u1ef7 l\u1ec7 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u1ea5p trong khu v\u1ef1c.<\/span><\/div>\n
Theo s\u1ed1 li\u1ec7u m\u00e0 C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 kinh t\u1ebf s\u1ed1 – B\u1ed9 C\u00f4ng th\u01b0\u01a1ng \u0111\u01b0a ra, giao d\u1ecbch ti\u1ec1n m\u1eb7t v\u1eabn chi\u1ebfm \u01b0u th\u1ebf v\u1edbi h\u01a1n 90%. Nh\u01b0 v\u1eady, c\u00f3 m\u1ed9t s\u1ef1 ph\u00e1t tri\u1ec3n ch\u01b0a \u0111\u1ed3ng b\u1ed9 khi n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng nhanh nh\u01b0ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n s\u1ed1 l\u1ea1i ch\u1eadm.<\/span><\/div>\n
M\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia \u0111\u01b0a ra l\u00e0 mu\u1ed1n th\u1ef1c hi\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u00ec ph\u1ea3i c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 c\u00f3 kho\u1ea3ng 30% d\u00e2n s\u1ed1 c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, trong khi \u0111\u00f3 70% d\u00e2n s\u1ed1 v\u1eabn t\u1eadp trung t\u1ea1i c\u00e1c khu v\u1ef1c v\u00f9ng s\u00e2u v\u00f9ng xa, kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng.<\/span><\/div>\n
\u0110\u00e2y l\u00e0 b\u00e0i to\u00e1n \u0111\u1eb7t ra cho ng\u00e2n h\u00e0ng v\u00e0 fintech (c\u00f4ng ngh\u1ec7<\/a>\u00a0t\u00e0i ch\u00ednh) trong vi\u1ec7c th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ec1 ra, ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1. Trong \u0111\u00f3, Ch\u00ednh ph\u1ee7 c\u1ea7n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n h\u1ed7 tr\u1ee3 h\u00e0nh lang ph\u00e1p l\u00fd, c\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty fintech c\u00f3 th\u1ec3 tham gia v\u00e0 c\u00f9ng \u0111\u01b0a ra gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/span><\/div>\n
Ti\u1ebfp theo, c\u1ea7n n\u00e2ng cao \u00fd th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1ec1 vi\u1ec7c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t. T\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 m\u1ecdi ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn v\u1edbi d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 h\u1ecd th\u1ea5y \u0111\u01b0\u1ee3c l\u1ee3i \u00edch. Theo chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia, \u0111\u1ebfn n\u0103m 2025 c\u00f3 \u00edt nh\u1ea5t 80% ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh c\u00f3 t\u00e0i kho\u1ea3n giao d\u1ecbch t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ph\u00e9p kh\u00e1c; ti\u1ebfn t\u1edbi m\u1ee5c ti\u00eau m\u1ed7i ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh c\u00f3 \u00edt nh\u1ea5t m\u1ed9t t\u00e0i kho\u1ea3n giao d\u1ecbch t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ph\u00e9p kh\u00e1c v\u00e0o n\u0103m 2030. Chi\u1ebfn l\u01b0\u1ee3c c\u0169ng \u0111\u1eb7t m\u1ee5c ti\u00eau, s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng 20-25% h\u1eb1ng n\u0103m.<\/span><\/div>\n
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C\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh cho r\u1eb1ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u1ed1t c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean s\u1ebd th\u00e1o g\u1ee1 \u0111\u01b0\u1ee3c n\u00fat th\u1eaft trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1ea1i Vi\u1ec7t Nam. Vi\u1ec7c m\u1edf r\u1ed9ng \u0111\u01a1n v\u1ecb cung c\u1ea5p c\u00f4ng ngh\u1ec7 l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu. \u0110i\u1ec1u n\u00e0y c\u0169ng s\u1ebd gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u0169ng s\u1ebd c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn h\u01a1n. C\u00e1c d\u1ecbch v\u1ee5 l\u00fac n\u00e0y c\u0169ng kh\u00f4ng c\u00f2n b\u1ecb gi\u1edbi h\u1ea1n, ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ed9t \u0111\u01a1n v\u1ecb m\u00e0 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng sang m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c doanh nghi\u1ec7p fintech, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. Hi\u1ec7n th\u1ef1c h\u00f3a \u201cgi\u1ea5c m\u01a1\u201d m\u00e0 ch\u00fang ta v\u1eabn th\u01b0\u1eddng n\u00f3i vui v\u1edbi nhau l\u00e0 b\u00e0 b\u00e1n hoa c\u0169ng c\u00f3 th\u1ec3 thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/span><\/div>\n

M\u1edf c\u1eeda cho chuy\u1ec3n m\u1ea1ch t\u00e0i ch\u00ednh<\/span><\/h2>\n
Hi\u1ec7n nay, c\u01a1 c\u1ea5u giao d\u1ecbch \u0111ang c\u00f3 s\u1ef1 d\u1ecbch chuy\u1ec3n t\u1eeb chuy\u1ec3n m\u1ea1ch ATM sang chuy\u1ec3n m\u1ea1ch thanh to\u00e1n li\u00ean ng\u00e2n h\u00e0ng, ch\u1ee9ng t\u1ecf ng\u01b0\u1eddi d\u00e2n \u0111ang c\u00f3 xu h\u01b0\u1edbng d\u1ecbch chuy\u1ec3n sang thanh to\u00e1n\u00a0kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/a>. Trong khi \u0111\u00f3, l\u0129nh v\u1ef1c chuy\u1ec3n m\u1ea1ch t\u00e0i ch\u00ednh c\u00f3 b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed, m\u1edbi ch\u1ec9 c\u00f3 C\u00f4ng ty c\u1ed5 ph\u1ea7n Thanh to\u00e1n Qu\u1ed1c gia Vi\u1ec7t Nam (NAPAS) l\u00e0 \u0111\u01a1n v\u1ecb duy nh\u1ea5t cung \u1ee9ng h\u1ea1 t\u1ea7ng thanh to\u00e1n cho h\u00e0ng ch\u1ee5c ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba v\u00e0 qu\u1ed1c t\u1ebf t\u1ea1i Vi\u1ec7t Nam. Theo nhi\u1ec1u chuy\u00ean gia c\u00f4ng ngh\u1ec7, h\u1ea1 t\u1ea7ng n\u00e0y m\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n nhu c\u1ea7u thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/span><\/div>\n
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V\u00e0o c\u00e1c d\u1ecbp l\u1ec5, t\u1ebft nhu c\u1ea7u v\u1ec1 c\u00e1c giao d\u1ecbch h\u00e0ng h\u00f3a, ti\u00eau d\u00f9ng… t\u0103ng \u0111\u1ed9t bi\u1ebfn n\u00ean khi th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ng\u01b0\u1eddi d\u00f9ng r\u1ea5t d\u1ec5 g\u1eb7p t\u00ecnh tr\u1ea1ng “ngh\u1ebdn” m\u1ea1ng do qu\u00e1 t\u1ea3i.<\/span><\/div>\n
V\u1edbi l\u0129nh v\u1ef1c chuy\u1ec3n m\u1ea1ch t\u00e0i ch\u00ednh v\u00e0 b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed, n\u1ed9i dung c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c m\u1edbi cho ph\u00e9p th\u00eam c\u00e1c doanh nghi\u1ec7p c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u01b0\u1ee3c cung \u1ee9ng d\u1ecbch v\u1ee5 n\u00e0y nh\u1eb1m t\u0103ng t\u00ednh c\u1ea1nh tranh, \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, t\u0103ng hi\u1ec7u qu\u1ea3 x\u1eed l\u00fd, gi\u1ea3m ph\u00ed giao d\u1ecbch, chuy\u1ec3n ti\u1ec1n cho ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p.<\/span><\/div>\n
Ngu\u1ed3n: https:\/\/thanhnien.vn\/cong-nghe\/day-manh-toan-dien-nen-tang-phat-trien-kinh-te-khong-tien-mat-1196630.html<\/span><\/div>\n<\/div>\n<\/div>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu s\u1ebd t\u1ea1o ra t\u00e1c \u0111\u1ed9ng \u0111a chi\u1ec1u, v\u1eeba mang l\u1ea1i ti\u1ec7n \u00edch cho ng\u01b0\u1eddi d\u00e2n, v\u1eeba t\u1ea1o \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf v\u00e0 \u0111ang \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch \u0111\u1ea9y m\u1ea1nh. \u0110\u1ea7u n\u0103m 2020, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ph\u00ea duy\u1ec7t Chi\u1ebfn l\u01b0\u1ee3c\u00a0t\u00e0i ch\u00ednh\u00a0to\u00e0n<\/p>","protected":false},"author":4,"featured_media":1273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1272"}],"collection":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=1272"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1272\/revisions"}],"predecessor-version":[{"id":1275,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1272\/revisions\/1275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/1273"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}