{"id":1002743,"date":"2025-09-21T08:21:38","date_gmt":"2025-09-21T01:21:38","guid":{"rendered":"https:\/\/tlsfirm.com\/uncategorized\/ban-tin-phap-ly-ngay-21-thang-9-nam-2025-danh-muc-ngan-hang\/"},"modified":"2025-09-21T08:21:38","modified_gmt":"2025-09-21T01:21:38","slug":"ban-tin-phap-ly-ngay-21-thang-9-nam-2025-danh-muc-ngan-hang","status":"publish","type":"post","link":"https:\/\/tlsfirm.com\/en\/ban-tin-phap-ly\/ban-tin-phap-ly-ngay-21-thang-9-nam-2025-danh-muc-ngan-hang\/","title":{"rendered":"B\u1ea3n tin ph\u00e1p l\u00fd &#8211; Ng\u00e0y 21 th\u00e1ng 9 n\u0103m 2025 &#8211; Danh m\u1ee5c: Ng\u00e2n h\u00e0ng"},"content":{"rendered":"<h2>I. M\u1edf \u0111\u1ea7u<\/h2>\n<p><b>Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<\/b> \u0111\u01b0\u1ee3c ban h\u00e0nh ng\u00e0y <b>15\/09\/2025<\/b> b\u1edfi Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, h\u01b0\u1edbng d\u1eabn chi ti\u1ebft vi\u1ec7c th\u1ef1c hi\u1ec7n <b>Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n s\u1ed1 14\/2022\/QH15<\/b>. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c \u00e1p d\u1ee5ng cho c\u00e1c <i>t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/i>, t\u1ed5 ch\u1ee9c\/c\u00e1 nh\u00e2n kinh doanh ng\u00e0nh ngh\u1ec1 phi t\u00e0i ch\u00ednh c\u00f3 li\u00ean quan c\u00f9ng c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 giao d\u1ecbch li\u00ean quan \u0111\u1ebfn \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, Ch\u00ednh ph\u1ee7 c\u0169ng ban h\u00e0nh <b>Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg<\/b> v\u00e0o ng\u00e0y <b>16\/09\/2025<\/b> ph\u00ea duy\u1ec7t ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a <i>th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh<\/i> trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u1eb1m gi\u1ea3m chi ph\u00ed tu\u00e2n th\u1ee7, th\u00fac \u0111\u1ea9y s\u1ef1 minh b\u1ea1ch v\u00e0 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, c\u00e1c quy \u0111\u1ecbnh m\u1edbi v\u1ec1 <b>ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n<\/b> v\u00e0 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh ng\u00e2n h\u00e0ng s\u1ebd g\u00f3p ph\u1ea7n n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng qu\u1ea3n tr\u1ecb, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u00f4ng c\u1ed9ng v\u00e0 th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng. \u0110\u1eb7c bi\u1ec7t, c\u00e1c doanh nghi\u1ec7p, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n l\u01b0u \u00fd v\u00e0 ch\u1ee7 \u0111\u1ed9ng c\u1eadp nh\u1eadt \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd ng\u00e0y m\u1ed9t ch\u1eb7t ch\u1ebd.<\/p>\n<h2>II.  N\u1ed9i dung ch\u00ednh <\/h2>\n<h3><b>1. <b>Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh<\/b><\/b><\/h3>\n<h4><b>1.1 <b>T\u00f3m t\u1eaft v\u0103n b\u1ea3n<\/b><\/b><\/h4>\n<p>Th\u00f4ng t\u01b0 s\u1ed1 27\/2025\/TT-NHNN ng\u00e0y 15\/09\/2025 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a <b>Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n s\u1ed1 14\/2022\/QH15<\/b>. Th\u00f4ng t\u01b0 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c\/c\u00e1 nh\u00e2n kinh doanh ng\u00e0nh ngh\u1ec1 phi t\u00e0i ch\u00ednh c\u00f3 li\u00ean quan v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n giao d\u1ecbch v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. N\u1ed9i dung ch\u00ednh bao g\u1ed3m: quy tr\u00ecnh \u0111\u00e1nh gi\u00e1, qu\u1ea3n l\u00fd r\u1ee7i ro r\u1eeda ti\u1ec1n; ph\u00e2n lo\u1ea1i kh\u00e1ch h\u00e0ng theo m\u1ee9c \u0111\u1ed9 r\u1ee7i ro; quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n; ch\u1ebf \u0111\u1ed9 b\u00e1o c\u00e1o giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn, giao d\u1ecbch \u0111\u00e1ng ng\u1edd, giao d\u1ecbch chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed; y\u00eau c\u1ea7u v\u1ec1 c\u00f4ng ngh\u1ec7, nh\u00e2n s\u1ef1 v\u00e0 \u0111\u00e0o t\u1ea1o ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng.<\/p>\n<h4><b>1.2 <b>Nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd<\/b><\/b><\/h4>\n<ul>\n<li><b>Ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u1ec1 r\u1eeda ti\u1ec1n<\/b>: \u00c1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p ch\u1ea5m \u0111i\u1ec3m c\u00e1c ti\u00eau ch\u00ed nguy c\u01a1 r\u1eeda ti\u1ec1n v\u00e0 m\u1ee9c \u0111\u1ed9 ph\u00f9 h\u1ee3p c\u1ee7a quy \u0111\u1ecbnh n\u1ed9i b\u1ed9. Theo \u0111\u00f3, <b>m\u1ee9c \u0111\u1ed9 r\u1ee7i ro \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo thang \u0111i\u1ec3m 1-5 v\u1edbi quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 \u0111i\u1ec3m s\u1ed1, tr\u1ecdng s\u1ed1 c\u1ee7a t\u1eebng ti\u00eau ch\u00ed<\/b>. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 v\u00e0 c\u1eadp nh\u1eadt r\u1ee7i ro th\u1ef1c hi\u1ec7n \u0111\u1ecbnh k\u1ef3 h\u00e0ng n\u0103m, ho\u00e0n th\u00e0nh b\u00e1o c\u00e1o ch\u1eadm nh\u1ea5t v\u00e0o <b>31\/03<\/b> c\u1ee7a n\u0103m k\u1ebf ti\u1ebfp (<i>\u0110i\u1ec1u 3 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[1]<\/sup><\/i>).<\/li>\n<li><b>Quy tr\u00ecnh ph\u00e2n lo\u1ea1i kh\u00e1ch h\u00e0ng v\u00e0 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro t\u01b0\u01a1ng \u1ee9ng<\/b>: Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e2n th\u00e0nh nh\u00f3m r\u1ee7i ro th\u1ea5p, trung b\u00ecnh, cao d\u1ef1a tr\u00ean ph\u00e2n t\u00edch th\u00f4ng tin kh\u00e1ch h\u00e0ng, s\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5, v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd&#8230; T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u00f9 h\u1ee3p cho t\u1eebng nh\u00f3m, bao g\u1ed3m nh\u1eadn bi\u1ebft, x\u00e1c minh, c\u1eadp nh\u1eadt v\u00e0 gi\u00e1m s\u00e1t <b>t\u0103ng c\u01b0\u1eddng ho\u1eb7c gi\u1ea3m nh\u1eb9 tu\u1ef3 t\u1eebng tr\u01b0\u1eddng h\u1ee3p<\/b> (<i>\u0110i\u1ec1u 4 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[2]<\/sup><\/i>).<\/li>\n<li><b>Quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 ph\u1ea3i \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 ch\u1eb7t ch\u1ebd ph\u00e1p lu\u1eadt<\/b>: Bao g\u1ed3m quy tr\u00ecnh nh\u1eadn bi\u1ebft, x\u00e1c minh kh\u00e1ch h\u00e0ng; l\u01b0u tr\u1eef, b\u1ea3o m\u1eadt th\u00f4ng tin; ki\u1ec3m tra n\u1ed9i b\u1ed9 \u0111\u1ecbnh k\u1ef3; \u0111\u00e0o t\u1ea1o, tuy\u1ec3n d\u1ee5ng nh\u00e2n s\u1ef1 \u2013 v\u1edbi y\u00eau c\u1ea7u <b>\u0111\u00e0o t\u1ea1o ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n trong v\u00f2ng 6 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y tuy\u1ec3n d\u1ee5ng<\/b> (<i>\u0110i\u1ec1u 5 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[3]<\/sup><\/i>).<\/li>\n<li><b>B\u00e1o c\u00e1o giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn v\u00e0 \u0111\u00e1ng ng\u1edd<\/b>: Ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn (giao d\u1ecbch t\u1ed5ng gi\u00e1 tr\u1ecb t\u1eeb 400.000.000 \u0111\u1ed3ng, t\u1ee9c b\u1ed1n tr\u0103m tri\u1ec7u \u0111\u1ed3ng, tr\u1edf l\u00ean) v\u00e0 giao d\u1ecbch \u0111\u00e1ng ng\u1edd cho C\u1ee5c Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n. H\u00ecnh th\u1ee9c g\u1eedi b\u00e1o c\u00e1o \u0111i\u1ec7n t\u1eed tr\u01b0\u1edbc 16h ng\u00e0y l\u00e0m vi\u1ec7c ti\u1ebfp theo (<i>\u0110i\u1ec1u 6, 7, 10 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[4]<\/sup><\/i>).<\/li>\n<li><b>B\u00e1o c\u00e1o giao d\u1ecbch chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/b>: Ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed trong n\u01b0\u1edbc c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 500.000.000 \u0111\u1ed3ng (n\u0103m tr\u0103m tri\u1ec7u \u0111\u1ed3ng) tr\u1edf l\u00ean v\u00e0 giao d\u1ecbch qu\u1ed1c t\u1ebf t\u1eeb 1.000 USD tr\u1edf l\u00ean (<i>\u0110i\u1ec1u 9 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[5]<\/sup><\/i>).<\/li>\n<li><b>Th\u1eddi h\u1ea1n c\u1eadp nh\u1eadt, ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh n\u1ed9i b\u1ed9<\/b>: Doanh nghi\u1ec7p c\u1ea7n ho\u00e0n th\u00e0nh c\u1eadp nh\u1eadt \u0111\u1ea7y \u0111\u1ee7 quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, quy tr\u00ecnh qu\u1ea3n l\u00fd r\u1ee7i ro tu\u00e2n th\u1ee7 Th\u00f4ng t\u01b0 n\u00e0y tr\u01b0\u1edbc ng\u00e0y 01\/01\/2026; tr\u01b0\u1edbc \u0111\u00f3 ti\u1ebfp t\u1ee5c \u00e1p d\u1ee5ng quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh (<i>\u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<sup>[6]<\/sup><\/i>).<\/li>\n<\/ul>\n<h4><b>1.3 <b>Tham kh\u1ea3o<\/b><\/b><\/h4>\n<ul>\n<li>Theo \u0110i\u1ec1u 3, \u0110i\u1ec1u 4, \u0110i\u1ec1u 5, \u0110i\u1ec1u 6, \u0110i\u1ec1u 7, \u0110i\u1ec1u 9, \u0110i\u1ec1u 10, \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/li>\n<li>Theo \u0110i\u1ec1u 15, \u0110i\u1ec1u 24, \u0110i\u1ec1u 25, \u0110i\u1ec1u 26, \u0110i\u1ec1u 38, \u0110i\u1ec1u 40, \u0110i\u1ec1u 44 Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n s\u1ed1 14\/2022\/QH15.<\/li>\n<\/ul>\n<p><b>Xem v\u0103n b\u1ea3n chi ti\u1ebft t\u1ea1i <a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Tien-te-Ngan-hang\/Thong-tu-27-2025-TT-NHNN-huong-dan-thuc-hien-Luat-Phong-chong-rua-tien-673318.aspx\" target=\"_blank\">\u0111\u00e2y<\/a>.<\/b><\/p>\n<p><small>[1] \u0110i\u1ec1u 3 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<br \/>[2] \u0110i\u1ec1u 4 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<br \/>[3] \u0110i\u1ec1u 5 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<br \/>[4] \u0110i\u1ec1u 6, 7, 10 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<br \/>[5] \u0110i\u1ec1u 9 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<br \/>[6] \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN<\/small><\/p>\n<h3><b>2. <b>Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg n\u0103m 2025 ph\u00ea duy\u1ec7t Ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh thu\u1ed9c ph\u1ea1m vi ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam do Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh<\/b><\/b><\/h3>\n<h4><b>2.1 <b>T\u00f3m t\u1eaft v\u0103n b\u1ea3n<\/b><\/b><\/h4>\n<p>Ng\u00e0y <b>16\/09\/2025<\/b>, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh <b>Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg<\/b> ph\u00ea duy\u1ec7t ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh (<i>administrative procedures<\/i>) li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh thu\u1ed9c ph\u1ea1m vi ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (<b>NHNN<\/b>). Quy\u1ebft \u0111\u1ecbnh n\u00e0y h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau gi\u1ea3m chi ph\u00ed tu\u00e2n th\u1ee7, n\u00e2ng cao t\u00ednh minh b\u1ea1ch, t\u1ea1o m\u00f4i tr\u01b0\u1eddng thu\u1eadn l\u1ee3i h\u01a1n cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p.<\/p>\n<h4><b>2.2 <b>Nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd<\/b><\/b><\/h4>\n<ul>\n<li><b>\u0110\u01a1n gi\u1ea3n h\u00f3a v\u00e0 b\u00e3i b\u1ecf h\u00e0ng lo\u1ea1t th\u1ee7 t\u1ee5c trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/b> Quy\u1ebft \u0111\u1ecbnh t\u1eadp trung x\u00f3a b\u1ecf c\u00e1c th\u1ee7 t\u1ee5c li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh vi m\u00f4, mua n\u1ee3, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t c\u1ee7a C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n thu\u1ed9c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng&#8230; nh\u1eb1m lo\u1ea1i b\u1ecf c\u00e1c th\u1ee7 t\u1ee5c kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p ho\u1eb7c tr\u00f9ng l\u1eb7p v\u1edbi quy \u0111\u1ecbnh m\u1edbi (theo kho\u1ea3n 13 \u0110i\u1ec1u 210 <i>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024<\/i><sup>1<\/sup>).<\/li>\n<li><b>Ti\u1ebft gi\u1ea3m c\u00e1c th\u00e0nh ph\u1ea7n h\u1ed3 s\u01a1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh:<\/b> Nhi\u1ec1u h\u1ed3 s\u01a1 y\u00eau c\u1ea7u tr\u01b0\u1edbc \u0111\u00e2y (Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp, Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd doanh nghi\u1ec7p&#8230;), nay \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng khai th\u00e1c d\u1eef li\u1ec7u t\u1eeb c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia, gi\u00fap doanh nghi\u1ec7p gi\u1ea3m g\u00e1nh n\u1eb7ng gi\u1ea5y t\u1edd.<\/li>\n<li><b>R\u00fat ng\u1eafn th\u1eddi gian gi\u1ea3i quy\u1ebft v\u00e0 chu\u1ea9n h\u00f3a quy tr\u00ecnh:<\/b> Quy\u1ebft \u0111\u1ecbnh r\u00fat ng\u1eafn th\u1eddi gian x\u1eed l\u00fd c\u00e1c th\u1ee7 t\u1ee5c (v\u00ed d\u1ee5, th\u1eddi gian c\u1ea5p ph\u00e9p d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n gi\u1ea3m t\u1eeb 90 xu\u1ed1ng 80 ng\u00e0y), b\u1ea3o \u0111\u1ea3m t\u00ednh kh\u1ea3 thi v\u00e0 nhanh ch\u00f3ng cho doanh nghi\u1ec7p.<\/li>\n<li><b>\u0110\u01a1n gi\u1ea3n h\u00f3a ho\u1eb7c lo\u1ea1i b\u1ecf \u0111i\u1ec1u ki\u1ec7n kinh doanh kh\u00f4ng c\u1ea7n thi\u1ebft:<\/b> C\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 t\u00e0i ch\u00ednh, qu\u1ea3n tr\u1ecb, nh\u00e2n s\u1ef1, h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt, tu\u00e2n th\u1ee7 an to\u00e0n&#8230; \u0111\u01b0\u1ee3c r\u00e0 so\u00e1t, ch\u1ec9 gi\u1eef nh\u1eefng \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u00f4ng c\u1ed9ng m\u00e0 kh\u00f4ng l\u00e0m ph\u00e1t sinh g\u00e1nh n\u1eb7ng kh\u00f4ng c\u1ea7n thi\u1ebft cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/li>\n<li><b>Ph\u00f9 h\u1ee3p v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng c\u1ea3i c\u00e1ch v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf:<\/b> Nh\u1eefng \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c b\u1ecb b\u00e3i b\u1ecf ho\u1eb7c \u0111\u01a1n gi\u1ea3n h\u00f3a \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc nh\u01b0ng v\u1eabn t\u1ea1o \u0111i\u1ec1u ki\u1ec7n c\u1ea1nh tranh, minh b\u1ea1ch cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng.<\/li>\n<li><b>L\u1ed9 tr\u00ecnh th\u1ef1c hi\u1ec7n:<\/b> Nhi\u1ec1u ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i \u0111i k\u00e8m, \u0111\u1eb7t r\u00f5 th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n n\u0103m 2025 &#8211; 2026, y\u00eau c\u1ea7u c\u00e1c b\u1ed9, ng\u00e0nh ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd d\u01b0\u1edbi s\u1ef1 ki\u1ec3m tra, gi\u00e1m s\u00e1t c\u1ee7a V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7.<\/li>\n<\/ul>\n<h4><b>2.3 <b>Tham kh\u1ea3o<\/b><\/b><\/h4>\n<ul>\n<li>Theo \u0110i\u1ec1u 1, 2, 3, 4 <b>Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg ng\u00e0y 16\/09\/2025 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7<\/b>: &#8220;Ph\u00ea duy\u1ec7t Ph\u01b0\u01a1ng \u00e1n c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh thu\u1ed9c ph\u1ea1m vi ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam; giao NHNN v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan tri\u1ec3n khai th\u1ef1c hi\u1ec7n theo \u0111\u00fang l\u1ed9 tr\u00ecnh v\u00e0 b\u00e1o c\u00e1o v\u01b0\u1edbng m\u1eafc v\u1ec1 V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7&#8221;<sup>2<\/sup>.<\/li>\n<li>Theo kho\u1ea3n 13 \u0110i\u1ec1u 210 <b>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024<\/b>: &#8220;D\u1eebng th\u1ef1c hi\u1ec7n vi\u1ec7c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n t\u00e0i ch\u00ednh vi m\u00f4; quy tr\u00ecnh, th\u1ee7 t\u1ee5c \u0111\u01b0\u1ee3c thay \u0111\u1ed5i, b\u1ed5 sung theo v\u0103n b\u1ea3n m\u1edbi&#8221;<sup>3<\/sup>.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh t\u1ea1i nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c: nh\u01b0 Th\u00f4ng t\u01b0 32\/2024\/TT-NHNN, Ngh\u1ecb \u0111\u1ecbnh 52\/2024\/N\u0110-CP, Th\u00f4ng t\u01b0 62\/2024\/TT-NHNN, Lu\u1eadt C\u00f4ng ch\u1ee9ng&#8230;<\/li>\n<\/ul>\n<h4><b>2.4 <b>\u0110o\u1ea1n k\u1ebft<\/b><\/b><\/h4>\n<p><b>Doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n ch\u1ee7 \u0111\u1ed9ng r\u00e0 so\u00e1t, c\u1eadp nh\u1eadt quy tr\u00ecnh, th\u1ee7 t\u1ee5c n\u1ed9i b\u1ed9 \u0111\u1ec3 k\u1ecbp th\u1eddi tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh m\u1edbi.<\/b> <a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Tien-te-Ngan-hang\/Quyet-dinh-2070-QD-TTg-2025-cat-giam-thu-tuc-hanh-chinh-hoat-dong-san-xuat-Ngan-hang-Nha-nuoc-672968.aspx\"><b>Xem v\u0103n b\u1ea3n chi ti\u1ebft t\u1ea1i \u0111\u00e2y.<\/b><\/a><\/p>\n<hr style=\"border-top:1px dashed #bbb;\"><small><b>Footnote:<\/b><br \/>1. Kho\u1ea3n 13 \u0110i\u1ec1u 210 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024<br \/>2. C\u00e1c \u0110i\u1ec1u 1, 2, 3, 4 Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg ng\u00e0y 16\/09\/2025 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7<br \/>3. D\u1eabn chi\u1ebfu c\u1ee5 th\u1ec3 trong c\u00e1c ph\u1ea7n li\u00ean quan v\u0103n b\u1ea3n n\u00e0y.<\/small><\/p>\n<h2>III. K\u1ebft lu\u1eadn v\u00e0 nh\u1eadn \u0111\u1ecbnh<\/h2>\n<p>Quy \u0111\u1ecbnh m\u1edbi v\u1ec1 <b>ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n<\/b> s\u1ebd t\u1ea1o ra chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro chuy\u00ean nghi\u1ec7p h\u01a1n cho t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, doanh nghi\u1ec7p. \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c ph\u1ea3i \u0111\u00e1nh gi\u00e1, x\u1ebfp h\u1ea1ng v\u00e0 b\u00e1o c\u00e1o r\u1ee7i ro theo t\u1eebng nh\u00f3m kh\u00e1ch h\u00e0ng, c\u1eadp nh\u1eadt quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 \u0111\u00fang h\u1ea1n b\u1eaft bu\u1ed9c doanh nghi\u1ec7p ch\u00fa tr\u1ecdng v\u1ec1 \u0111\u00e0o t\u1ea1o v\u00e0 thi\u1ebft l\u1eadp quy tr\u00ecnh qu\u1ea3n l\u00fd \u0111\u1ed3ng b\u1ed9. Ri\u00eang <b>Quy\u1ebft \u0111\u1ecbnh 2070\/Q\u0110-TTg<\/b> v\u1edbi l\u1ed9 tr\u00ecnh c\u1eaft gi\u1ea3m, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c s\u1ebd gi\u00fap gi\u1ea3m g\u00e1nh n\u1eb7ng gi\u1ea5y t\u1edd, n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng.<\/p>\n<ul>\n<li><b>Khuy\u1ebfn ngh\u1ecb:<\/b> Doanh nghi\u1ec7p c\u1ea7n ch\u1ee7 \u0111\u1ed9ng r\u00e0 so\u00e1t, x\u00e2y d\u1ef1ng l\u1ea1i c\u00e1c quy tr\u00ecnh nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng, \u0111\u00e0o t\u1ea1o nh\u00e2n s\u1ef1 v\u1ec1 <i>Anti-Money Laundering<\/i>, c\u1eadp nh\u1eadt quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 tr\u01b0\u1edbc ng\u00e0y <b>01\/01\/2026<\/b>.<\/li>\n<li><b>R\u1ee7i ro ph\u00e1p l\u00fd:<\/b> Vi\u1ec7c ch\u1eadm c\u1eadp nh\u1eadt, kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn x\u1eed ph\u1ea1t, \u1ea3nh h\u01b0\u1edfng uy t\u00edn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/li>\n<li><b>C\u00e1c b\u01b0\u1edbc c\u1ea7n th\u1ef1c hi\u1ec7n:<\/b>\n<ul>\n<li>R\u00e0 so\u00e1t l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c, h\u1ed3 s\u01a1 hi\u1ec7n h\u00e0nh li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/li>\n<li>X\u00e2y d\u1ef1ng\/\u0111i\u1ec1u ch\u1ec9nh quy tr\u00ecnh qu\u1ea3n l\u00fd r\u1ee7i ro, ph\u00e2n lo\u1ea1i kh\u00e1ch h\u00e0ng theo ti\u00eau ch\u00ed m\u1edbi.<\/li>\n<li>\u0110\u00e0o t\u1ea1o nh\u00e2n s\u1ef1 v\u1ec1 nh\u1eadn bi\u1ebft v\u00e0 x\u1eed l\u00fd giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn, giao d\u1ecbch \u0111\u00e1ng ng\u1edd.<\/li>\n<li>Ho\u00e0n thi\u1ec7n quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin, l\u01b0u tr\u1eef, b\u00e1o c\u00e1o \u0111\u00fang th\u1eddi h\u1ea1n.<\/li>\n<li>Chu\u1ea9n h\u00f3a quy tr\u00ecnh th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi h\u01b0\u1edbng d\u1eabn, th\u1eddi h\u1ea1n m\u1edbi.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 chia s\u1ebb v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 c\u00e1c c\u1eadp nh\u1eadt ph\u00e1p l\u00fd trong tu\u1ea7n.<br \/>H\u00e3y truy c\u1eadp <a href=\"\/en\/tlsfirm.com\/\"> TLSFirm.com <\/a> v\u00e0 c\u00e1c chuy\u00ean m\u1ee5c kh\u00e1c c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt s\u1edbm nh\u1ea5t c\u00e1c th\u00f4ng tin t\u01b0 v\u1ea5n v\u00e0 chia s\u1ebb kinh nghi\u1ec7m ph\u00e1p l\u00fd.<\/p>","protected":false},"excerpt":{"rendered":"<p>I. M\u1edf \u0111\u1ea7u Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh ng\u00e0y 15\/09\/2025 b\u1edfi Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, h\u01b0\u1edbng d\u1eabn chi ti\u1ebft vi\u1ec7c th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n s\u1ed1 14\/2022\/QH15. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c \u00e1p d\u1ee5ng cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c\/c\u00e1 nh\u00e2n kinh doanh ng\u00e0nh ngh\u1ec1 &#8230; <a title=\"B\u1ea3n tin ph\u00e1p l\u00fd &#8211; Ng\u00e0y 21 th\u00e1ng 9 n\u0103m 2025 &#8211; Danh m\u1ee5c: Ng\u00e2n h\u00e0ng\" class=\"read-more\" href=\"https:\/\/tlsfirm.com\/en\/ban-tin-phap-ly\/ban-tin-phap-ly-ngay-21-thang-9-nam-2025-danh-muc-ngan-hang\/\" aria-label=\"Read more about B\u1ea3n tin ph\u00e1p l\u00fd &#8211; Ng\u00e0y 21 th\u00e1ng 9 n\u0103m 2025 &#8211; Danh m\u1ee5c: Ng\u00e2n h\u00e0ng\">Read more<\/a><\/p>","protected":false},"author":3,"featured_media":1405,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","slim_seo":{"title":"B\u1ea3n tin ph\u00e1p l\u00fd - Ng\u00e0y 21 th\u00e1ng 9 n\u0103m 2025 - Danh m\u1ee5c: Ng\u00e2n h\u00e0ng - TLS Firm","description":"I. M\u1edf \u0111\u1ea7u Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh ng\u00e0y 15\/09\/2025 b\u1edfi Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, h\u01b0\u1edbng d\u1eabn chi ti\u1ebft vi\u1ec7c th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng"},"footnotes":""},"categories":[80],"tags":[1981,669,1980,118,124,958],"class_list":["post-1002743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-phap-ly","tag-aml","tag-ngan-hang-2","tag-phong-chong-rua-tien","tag-quan-ly-rui-ro","tag-thu-tuc-hanh-chinh","tag-to-chuc-tin-dung"],"uagb_featured_image_src":{"full":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087.jpg",1200,627,false],"thumbnail":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087-150x150.jpg",150,150,true],"medium":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087-300x157.jpg",300,157,true],"medium_large":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087-768x401.jpg",768,401,true],"large":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087-1024x535.jpg",1024,535,true],"1536x1536":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087.jpg",1200,627,false],"2048x2048":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087.jpg",1200,627,false],"trp-custom-language-flag":["https:\/\/tlsfirm.com\/wp-content\/uploads\/2025\/06\/pexels-photo-265087-265087.jpg",18,9,false]},"uagb_author_info":{"display_name":"Tam Ho","author_link":"https:\/\/tlsfirm.com\/en\/author\/tam-ho\/"},"uagb_comment_info":0,"uagb_excerpt":"I. M\u1edf \u0111\u1ea7u Th\u00f4ng t\u01b0 27\/2025\/TT-NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh ng\u00e0y 15\/09\/2025 b\u1edfi Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, h\u01b0\u1edbng d\u1eabn chi ti\u1ebft vi\u1ec7c th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n s\u1ed1 14\/2022\/QH15. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c \u00e1p d\u1ee5ng cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c\/c\u00e1 nh\u00e2n kinh doanh ng\u00e0nh ngh\u1ec1&hellip;","_links":{"self":[{"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/posts\/1002743","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/comments?post=1002743"}],"version-history":[{"count":0,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/posts\/1002743\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/media\/1405"}],"wp:attachment":[{"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/media?parent=1002743"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/categories?post=1002743"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tlsfirm.com\/en\/wp-json\/wp\/v2\/tags?post=1002743"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}