Phat trien cong nghe tai chmh tai Viet Nam:
Trien vong va nhuVig van de dat ra
va QQANG KET*
Tom tdt
Cdng nghi tdi chinh (Fintech) d Viet Nam dang d giai dogn phdt trien sa khai ban ddu vd CO vi tri rdt khiem tdn trin the gidi, chi chiem khodng 0,13% gid in giao dich Fintech todn cdu. Trong bdng xe'p hgng Chi sd'Fintech todn cdu ndm 2020, Viit Nam dffng thff 51 trong tdng sd 65 nudc dugc xep hgng vd xip thff 6 trong khu vuc Ddng Nam A. Tiem ndng phdt trien Fintech 6 Viet Nam dugc ddnh gid cao do co nhieu yi'u td thudn lgi. Tuy^ nhiin, hien tgi, Fintech Viet Nam dang ton tgi mgt sd'vd'n de cdn gidi quyet do Id: thieu nguon nhdn lUc ldnh nghi, khudn khd phdp ly cdn sa khai, hgn che vi ca sd vdt chat hg tdng cdng nghe vd tiim dn nhieu rui ro.
TH khda: cdng nghe tdi chinh. Viel Nam, ihanh todn trffc tuye'n Summary
Financial technology (Fintech) in Vietnam is in the early stages of developmeni and occupies a very modest position in the world, accounting for only about 0.13% of the global Fintech transaction value. In the Global Fintech Index 2020. Viet Nam ranked 51" out of 65 countries and 6"' in Southeast Asia. The potential for Fintech development in Vietnam is considerable because of many favorable factors. However, this sector currently faces up with a number of issues that need to be addressed, which are the lack of skilled labors, lack of legal framework, limitations of technological infrastructure, and potential risks.
Keywords: fintech, fintech in Vietnam Gldi THIEU
Khai ni6m Fintech dUdc su' dung tU nhffng nam 1990, do Citigroup khdi sUdng ttf viec thanh lap "Hi6p hpi Cong nghe dich vu tai chinh" vdi muc dich tao dieu kien cho cac hoat ddng hdp tac ve cdng nghS. Fintech la thuat ngff dUdc su" dung de mieu la cdc md hinh kinh doanh sang tao va cdng nghe mdi ndi cd kha nang bien ddi nganh dich vu tai chinh.
Fmlech la ITnh vUc kinh te mdi dang phat trien manh me tren thd gidi dUdi tac dpng cua cudc Cdch mang Cdng nghe 4.0. Cac ddi mdi, sang tao tai chinh tren nen tang cdng nghe da tao ra cac mo hinh kinh doanh mdi, cac cdng nghe quan ly mdi va cdc san pham tai chinh mdi. Nhffng thay ddi nay da tao nen nhffng tac dpng to ldn, manh me de'n ta't ca cac hoat dpng cua cac td chUc tai chinh, thi trUdng tai chinh, cac hoat ddng cung ca'p cdc dich vu tai chinh va ca cd quan quan ly nha nUdc. Mac du da cd nhifng bUdc phdt trien ddng ke trong nhi?ng nam qua, song Fintech tai Viet Nam vdn dang trong giai doan phdt trien sd khai vdi nhieu han chdc^n phai khdc phuc.
PHU'DNG PHAP NGHIEN CL/U Bai vidt sil dung phUdng phap thu thap sd lieu thff ca'p tU cac bao cdo ve tinh hinh phdt trien cua cdc doanh nghiep Fintech cua Ngan hang Nha nudc, Bd Thdng tin va Truyen thdng va mpt so td chifc nffdc ngoai. Ben canh do, tac gia su" dung ke't hdp vdi cac phUdng phap tdng hdp so' lieu, phUdng phdp so sanh, thdng ke md ta de dUa ra nhiJng phan tich danh gia, nhan dinh xu hUdng phat trien ciia cdc doanh nghiep Fintech tai Viet Nam.
THUC TRANG VIET NAM
FINTECH TAI
Tai Viet Nam, Fintech dang trong giai doan phdt trien sd khdi mac dii cdc doanh nghiep cung cap dich vu trung gian thanh todn da xuat hien vao ndm 'TS,, Hpc vifn Cong nghe BIAJ chinh Viln thong
Ngdv nhgn bdi: 15/5/2020: Ngdy phdn hien: iy5/2020- Ngdv duySt ddng: 25/5/2020
146
BANG 1: XEP HAMG CHI SO GFI NAM 2020 COA CAC NCJOc DOMG MAM A TT
1
2
3 4 5
(1
^^_Q„.'cgia Singapore
JVIalaysia
Thai Lan Philippines Indonesia
Vi^t Nam
GFI 3/65
36/65 39/65 46/65 47/65
51/65
Trung tSm Fintech
Singapore City - Kuala Lumpur - Sandakan Bangkok Malila Area Jakarta -TP. Ho Chi Minh - Hd NOi
X^p h^ng 4/238 78/238 235/238 72/238 66/238 59/238 142/238 149/238 tigut • Findexable, 2020 2008 vdi 9 ddn vi dUdc Ngan hang Nha
nifdc ca'p phep. Tif nam 2015, sd lUdng cong ty Fintech bat dau tang dang ke, thu hiit sff quan tam cua ngUdi diing, cac tap doan ttong linh vUc tai chinh ngan hang va cd quan quan ly nha nudc.
Theo thdng kg cua Ngan hang Nha nffdc, den cud'i nam 2016, sd' cdng ty hoat ddng trong lmh vUc Fintech tai Viet Nam khoang 40 cdng ty, Sau 3 nam, con so' nay da tang gap khoang 3,7 ian, dat khoang 150 cdng ty Fintech vao cud'i nam 2019; cd khoang 31 cdng ty ve thanh todn sd'dUdc Ngdn hang nha nirdc cd'p phep hoat ddng. Khoang 90%
thi phan cua vi dien tff, ca gia tri va so lifdng giao dich tai Vi6t Nam thudc ve 5 cong ty, gdm: Payoo, MoMo, AirPay, IWloCa, FPT trung gian thanh toan. Dac biet, cd 5 doanh nghiep nay deu cd sd hifu vd'n nUdc ngodi tff 30% cho den tren 90%, Cac cdng ty hoat dong trong linh vifc cho vay ngang hang (Peer to Peer) cd sd lUdng khoang 40 cdng ty. Khd nhi^u doanh nghiep Fintech la doanh nghiep khdi nghiep. Trong dd, khoang 2/3 so' doanh nghiep khdi nghiep nay dang cung cap cho ngUdi tieu diing cong cu thanh toan trifc tuyen; cung ling giai phdp thanh toan ky thuat sd POS/mPOS; chuydn tien,. Ngoai ra, thi^
trifdng Fintech Viet Nam cdn cd mdt sd doanh nghiep khdi nghi6p hoat dpng d nhffng linh vuc khac, nhU: gpi vd'n cdng d6ng, cho vay trUc tuydn,,, {Nguyln Dflng, 2019).
Theo nghien cffu tff cdng ty tff van Ichu vffc chdu A - Thai Binh Dffdng, Solidiance, thi trffdng Fintech Viet da dat 4,4 ty USD gid tri giao dich
nam 2017 va dU kie'n se len ddn 7,8 ty USD nam 2020, Xdt ve cd ca'u theo linh vtic hoat ddng, theo tho'ng ke cua Ngan hang Nha nUdc, hoat ddn^ thanh toan chidm ty trpng ldn nha't khoang 61% tdng gid tri giao dich Fintech; Tidp dd^n la linh vUc gpi vd'n cdng dong (Crowd funding) chiem 10% va Cdng nghe Blockchain va tien do Bitcoin chiem ty trong 8%. Cac ITnh vffc quan ly ban hang (POS/mPOS management), quan tri dff lieu (data management) va tff va'n tdi chinh ca nhdn (personal finance) cung chidm ty trpng 5%, LTnh vUc cho vay va vi/ebsite so sdnh gia (comparisim sites) cd ty trong nhd nha't, mdi ITnh vffc chi chidm khoang 3% tdng gia tn giao dich (The Long, 2019).
Trong danh sach Top 100 cdng ty Fintech hang dau thd gidi dffdc xep hang hang nam bdi Hang KPMG, nam2019, Viet Named 2 dai dien la Vidian iff Momo va Finhay.
Mac dia dat td'c dp tang trffdng ve so' doanh nghiep vd quy md giao dich tffdng ddi cao trong may nam gan day, song, so vdi the gidi, Fintech cua Viet Nam cdn ra't khiem tdn. Tong gia tri giao dich Fintech ciia Viet Nam chi dat khoang 0,13% gid tri giao dich loan cau (nam 2017, gid tn giao dich Fintech toan cau dat khoang 3.300 ty USD).
Theo Chi sd Fintech toan cau (Global Fintech Index-GFI) dffdc thUc hien bdi Hang tff va'n Fmdexable cua Anh, Viet Nam la nffdc cd vi tri kha tha'p tren thd gidi va ca d Ddng Nam A. Cu the, Vi6t Nam^dffng thU 51 trong tdng sd 65 qudc gia dffdc xdp hang. O khu vi/c Ddng Nam A, Viet Nam xep cud'i cung trong tdng so 6 nffdc dffdc xdp hang, sau Singapore (hang 3), Malaysia (hang 36), Thai Lan (hang 39), Philippines (hang 46) va Indonesia (hang 47) (Bang 1).
Ve bang xep hang cac trung tam Fintech (Fintech Hub), TP, Ho Chi Minh va Ha Npi la hai thanh phd cua Viet Nam dffdc Findexable xdp hang lan lffdt la hang 142 va 149 trong tdng sd' 238 thanh phd' tren the gidi dffdc xep hang. So vdi cdc trung tam Fintech d khu vffc Ddng Nam A, hai trung tam Fintech cua Viet Nam
147
HiMH: GIA TRj GIAO DICH FIMTECH TOAM CAU GIAI DOAM 2015-2021
2015 2016 2017 2018 2019 2020F 2021F rigu6n' Si m-i.-i . cung d mffc hang gan nhU thd'p nha't, chi hdn thanh phd Sandakan cua Malaysia (hang 235).
Fintech ciia Viet Nam cd thff hang tha'p so vdi the gidi vd khu vffc Ddng Nam A la do Viet Nam la nffdc di sau, hoat ddng Fintech mdi d giai doan sd khdi. Mac dii vay, trien vpng va tiem nang phat trien Fintech d Viet Nam dffdc ddnh gid la rd't ldn.
JRIEN VONG PHAT TRIEN VA NHLfNG VAN DE DAT RA'
Trid'n vgng phat tridn
Tren the^ gidi, Fintech la ITnh vffc dat mffc tang trudng cao trong nhffng nam qua va dUdc dff bdo se tiep tuc tang trffdng manh trong thdi gian tdi. dUdi tac dpng Clia cudc Cach mang Cdng nghiep lan thff Tff dang md rpng d pham vi toan cau. Ndm 2015 tdng gia tri giao dich Fintech toan cau dat khoang 2.066 ty USD. Tuy nhi6n, chi sau 3 nam, con so nay da tang gap ddi dat khoang 4.143 ty vdo USD nam 2018. Dubdo den nam 2021, gid tri giao dich Fintech cd the dat gan 7,000 ty USD (Hinh). Trong dd, gia tri dich vu thanh toan so'qua Fintech chiem ty trpng chu yeu. chiem khoang 90% trong tdng gia tri giao dich nam 2015. Tuy nhien, ty trpng nay giam dan xud'ng cdn khodng 80% ndm 2018, du bao den nam 2021, ty trpng gid tri thanh todn so' dat khoang 50% tdng gia tri giao dich, Dieu nay la do gid tri cac dich vu Fintech khac, nhff cac dich vu: tai chinh doanh nghiep, tai chinh ca nhan cd nhffng bffdc tang trffdng manh me vdi td'c dp cao hdn dich vu thanh toan so'.
Tiem ndng phdt trien Fintech d Viet Nam dffdc danh gia rat cao, do Viet Nam hdi tu nhieu ydu to thuan ldi, mang lai nhieu cd hdi phat trien cho ITnh vffc Fintech trong tffdng lai. Cac yeu td nay dffdc the hien cu the sau day:
Thff nhd't. ry le tii'p can dien thogi di dgng vd internet cua ngUdi ddn Viet Nam d mffc cao. Theo
sd lieu Clia Bo Thdng tin va Truyen thdng, den het ndm 2018. Viet Nam CO khoang 140,39 trieu thue bao dijn thoai. Trong dd, thue bao di ddng chie'm 97%. Ty le ngffdi dung internet khoang 70% va 47% sd hp gia dinh co ke't ndi internet. Ty le phu sdng di ddng 3G, 4G dat 99,7%. Viec ffng dung nhanh chdng cdng nghe trong linh vffc internet da dffa Viet Nam trd thanh nffdc cd ty le ngUdi diing internet thupc nhdm cao Clia khu vdc vd tren the gjdi. Day la cd sd nen tang cdng nghe de phat trien va ffng dung cdc dich vu Fintech.
Thff hai. sif phdt trien cua cdng nghe hiin dgi trong cudc Cdch mgng Cdng nghiep ldn thff Tu vdi nen tang la cdng nghe thdng tin vdi sU phat trien vffdt bac cua cdng nghe sd dd va dang la ndn tang cho sff phdt trien cac ITnh vffc kinh te, van hda, xa hdi nham phuc vu v^
ndng cao cha't Iffdng sd'ng cua con ngffdi, Dieu nay ddi hoi phai phdt trien cdc md hinh kinh doanh mdi dffa tren cdng nghe thdng tin. trong dd cd cac ffng dung cdc djch vu Fintech.
Thff ba. cdng dong ngUdi diing smartphone vd internet tgi Viet Nam, chu ye'u Id gidi tre, thudng xuyen online di ldm viec. hgc tap vd gidi tri. Theo thdng ke Clia trang mang "We Are Social", tinh den nam 2020, Viet Nam cd 65 tri$u ngudi sd hffu tai khoan mang xa hdi.
Danh gid ciia cdc chuyen gia qudc tdcho thd'y, cd hpi phdt trien cua cdng dong ndy tai Viet Nam vdn cdn ra't Idn, bdi thffc sU thi trUdng cdng nghe so' trong nffdc cdn kha sd khai. Ben canh dd, sff bung no ciia thffdng mai dien tvt, ty le ngffdi dan tiep cdn vdi dich vu ngdn hang truyin thd'ng cdn cd du dia tang trUdng (de'n cud'i ndm 2018, chi 63% dan sd trffdng thanh cd tai khoan ngan hang). Day la dieu kien thuan ldi cho phat trien cac dich vu Fintech trong nffdc.
Thff tu, theo dieu tra cda Ngdn hdng Nhd nudc. 84% cdc ngdn hdng thUOng mgi lgi Viet Nam cd nhu cdu hgp ldc vdi cdc doanh nghiep Fintech de trien khai cdc kinh hien dgi tii'p can khdch hdng. Hien tai, he thdng cdc td chffc lin dung Viet Nam gom cd 151 td chffc tin dung, bao gom: 7 td chffc tin dung nhd nffdc, 31 ngan hang thffdng mai cd phan do thi, 4 ngan hang thUdng mai cd phan ndng thon, 37 chi nhdnh ngdn hang nudc ngoai, 5 ngan hang lien doanh, 9 cdng t\
tdi chinh, 12 cong ty cho thue tai chinh vd
148
46 van phdng dai di6n ngan hang nUdc ngoai. Ngodi ra, tai Viet Nam hien cdn cd 32 quy dau td dang hoat ddng, tren 10 cdng ty bao hiem ldn va khoang 100 cdng ty chffng khodn. Ben canh dd, cdn cd 1.183 quy tin dung nhan dan va 4 td chffc tai chinh vi md. Day se la cac dd'i tac de Fintech cd thd hdp tac kinh doanh chia se cd sd dff Ueu khach hang, chia se cac budc quy tnnh nghiep vu tin dung, nhff:
chd'm didm x6'p hang, dinh gid tai san.,, Thff ndm, trdo lim khdi nghiip (startup business) dang phdt trien lgi khu vffc chdu A - Thdi Binh Duang. trong do cd Viit Nam. Chinh phu dac biet quan tam ddn viec thiic day cdc doanh nghiep khdi nghiep ddi mdi sang tao qua cdc chinh sach, nhff: chinh sach ffu dai thue' theo Nghi quydt sd41 ^ Q - C P , ngdy 26/5/2006 Clia Chinh phii vi chinh sdch ifu dai thue' Ihiic day vi6c phdt trien va ffng dung cong nghe thdng tin tai Viet Nam; hd trd Chinh phu dd'i vdi cac cdng ty khdi nghiep theo De an 844 hd trd he sinh thdi khdi nghiep... Dieu nay se khuydn khich sff ra ddi ciia cac doanh nghiep vdi mdt lffdng Idn gidi tre, nang dgng tham gia.
Cdc doanh nghiep startup tre, ndng ddng vdi nhffng suy nghT, cdch lam mdi, khdc bi?t, dffa tren nen tang cdng nghe mdi hoat dpng tren mdi trffdng mang thdng tin se ra't phu hdp vdi ITnh vUc Fintech.
Ddy chinh Id cd hdi cho Fintech Vi6t Nam tao dUdc nhffng chuyen bien dot phd tich cffc de phdt trien.
Nhifng va'n d^ dat ra
Mac dil trien vpng phat trien Fintech tai Viet Nam dffdc danh gid cao, song de tan dung dffdc nhffng cd hpi tren la mgt vdn de khd nan giai, bdi hien tai, ITnh vffc ndy van dang hoc 16 mgt so va'n de can giai quydt, Nhffng va'n de nay chinh la nhffng rao can cd ban, nhu'ng thach thffc do'i vdi sU phdt trien cua Fintech Viet Nam trong tUdng lai. Cu the la:
Mgt Id. thie'u nguon nhdn luc ldnh nghe Fintech ddi hdi dpi ngii nhan lUc phai cd kidn thffc chuydn mdn d ca hai ITnh vffc cdng nghe thdng tin va tdi chinh - ngan hilng, TrSn thuc td, thdng thffdng ngffdi l^m tdi chinh - ngan hang, thl khdng hieu rd ve cdng nghe thdng tin, cdn ngffdi lam cdng nghS thdng tin, thi khdng hieu rd nghigp vu tai chinh ngan hang. Dac biet, ngdn ngff dffdc sff dung ra't nhieu trong cdng vide hien nay la tidng Anh, khdng thao tidng Anh, thi khdng lam dffdc viec.
Tuy nhidn, sd Iffdng nhan sff ddp ffng
dffdc cd 3 y^du cau nay la ra't it. Ben canh dd, Fintech la iinh vffc ddi mdi sang tao vdi nhffng md hinh sdng tao mdi ddi hdi nguon nhan luc chuyen mdn phai thudng xuyen cap nhat kien thUc, thUdng xuyen dao tao lai de thich nghi vdi nhffng bidn doi vd ciing Idn cua ngdnh.
Do Fintech la nganh mdi, d Viet Nam chUa cd trudng dai hoc khd'i cdng nghe ndo dao tao Fintech d trinh do dai hpc. Hien tai, chi cd 2 trUdng khd'i kinh te bat dau tuyen sinh he cijf nhan Fintech la TrUdng Dai hoc Kinh te qud'c dan (tuyen sinh tff nam 2018) va Trudng Dai hgc Kinh td - Luat TP. Ho Chi Minh (tuyen sinh tff nam 2019). Song, chi tieu tuyen sinh khd khiem td'n, mdi tnfdng khoang 50-100 sinh vien/
nam. Tuy nhien, chUdng trinh dao tao ciia hai trffdng nay thien nhieu ve tdi chinh, ham lffdng kidn thffc cdng nghe khdng cao.
• • Theo Chi s6'Fintech toan c l u (Global Fintech Index-GFI), Vi§t Nam dihig thl} 51 trong tdng sd' 65 qud'c gia dif(^c x^p hang. 6 khu vrfc Ddng Nam A, Vi0t Nam xep cudi ciing trong tdng s6'6 nrfdc drfgTc xd'p hang, sau Singapore (h^ng 3), Malaysia (h^ng 36), Thai Lan (hang 39), Philippines (h^ng 46) va Indonesia
(hang 47). ^ ^
Trong khi cac cd sd ddo tao trong nUdc chUa cd nguon cung, cdc doanh nghiep Fintech Viet Nam phdi tUddo tao vd gianh gidt nhan life ciia cdc dd'i thii canh tranh trong nffdc. Cac vi tri chuyen mdn chii chd't phai thue chuyen gia nffdc ngoai vdi chi phi rd't cao.
Hai Id. khung khd phdp ly cho Fintech con rdt sa khai Tinh den dau nam 2020, khudn kho phdp ly cho Fintech tai Viet Nam ch? dffiig lai d mdt sdde dn mang tinh vT md va quy dinh ve thanh todn, nhff: De an Phdt trien thanh toan khdng dimg tien mat giai doan 2016- 2020; De an Hoan thien khung phap ly de quan ly, xff ly dd'i vdi cdc loai tdi san do, tiln dien tff, tien ao Trong khi dd, Viet Nam hau nhu chua cd khudn khd phap ly quy dinh rd ve md hinh hoat ddng, dia vi phdp ly, cac dieu kien thanh lap va hoat ddng ciia cdng ty Fintech, vi ban chat san pham, dich vu, cdc tieu chuan ciia san pha'm/dich vu, hay cdc quy dinh ve bao ve ngUdi tieu dung san pham tai chinh. bao ve thdng tin cd nhan..,
Mpt sd'vd'n de trpng tam ciia Fintech lien quan den cdng nghe, nhUng chUa cd khung khd phap ly dieu chinh, bao gom: Cdng nghe Blockchain vd ffng dung Clia nd trong ITnh vifc tai chinh ngan hdng; Huy dpng va cho vay ngan hdng: Giao dien ChUdng trinh fftig dung (API); He thdng dinh danh khach hdng dien tff (e-ID) phuc vu cho viec nhan bidt khach hang (KYC).
Viec thie'u cd che phdp ly se ddn tdi ldng phi cho xd hpi do nhieu hoat dgng khdng dUdc tnen khai thdng qua cdc md hinh dien tff vd'n nhanh chdng va chi phi tha'p, ma phai thUc hien qua cdc hoat dgng truyen thd'ng cd
Efoiiomy and Forecasi R f \ i e 149
chi phi cao va tdn thdi gian hdn. Ddng thdi, viec thie^u cd che phdp ly cd the can trd sang tao, do vdn diJng khung phap l;y truyen thd'ng de dp dung cho md hinh kinh doanh mdi, khdc biet hoan todn. Chinh dieu nay cd the dan tdi han chd Id doanh nghidp Fintech se khd khan trong viec thu hut vd'n dau tU, dac biet la ddng vd'n dau tff ldn tff nffdc ngoai va tff cac quy dau tff, do lo ngai su bd't dn phap ly.
Ba Id, hgn che ve ca sd vgt chd't ha tdng cdng nghi Cac dich vu Fintech hoat dgng dUa tren nen tang ha tang cdng nghe hien dai. Mac du ha tang cdng nghe thdng tin d Viet Nam cd nhffng bffdc phat trien manh me trong thap ky qua, song vdn chffa the dap ffng dffdc yeu cau ciia nen tang cdng nghe hien dai, ddc biet la cdng nghe bao mat. Theo xep hang Chi sd' Phdt trien cdng ngh§ thdng tin vd Truyen thdng (IDl) ciia Lien minh Vidn thdng thd gidi (ITU), nam 2017, Viet^Nam chi xe'p hang 108 tren 175 nffdc dUdc xe'p hang. 6 khu vffc Ddng Nam A, Viet Nam deu dffng sau Sigapore, Malaysia, Thdi Lan vd Philippines.
Bdn la. tiem dn nhieu rui ro
Fintech dang phdt trien rd't nhanh, tao ra nhieu cd hdi kinh doanh mdi, nhffng ciang ham chffa nhieu nil ro cho cdc chii the tham gia thi trffdng tai chinh vd thach thffc dd'i vdi cdc cd quan quan ly nhd nffdc. Y thu'c Clia ngffdi tieu diing san phd'm Fintech cdn han chd, do dd ddi khi tao ra nhffng rui ro ve bao mat dan ddn thdng tin ca nhan, thdng tin tai chinh ciia khach hang bi lam dung va true ldi. Vdi cdc ngdn hang, doanh nghiep va cd quan giam sat, Fintech cd the se mang lai nii ro do phdi thay ddi chie'n Iffdc kinh doanh, hoat ddng do phu thudc vao ben thff 3 cung cap cac dich vu nhu dff lieu; Riii ro khdng gian mang vd khdng bao ve dffdc quyen ldi bao mat thdng tin khach hang theo ygu cau cua khudn khd phap ly; Rui ro riJa tiln, thanh khoan, tin dung vdi cac sdn pham Fintech. Dieu nay da gay dnh hffdng nghiem trgng
den quyen ldi ciia nhffng ngUdi tham gia vao hoat dpng Fintech.
KET W^N
Fintech dffdc ddnh gia se la mdt yeu td quan trpng de dat dffdc muc tieu
"Chinh phu sd vd nen kinh te sd" trong cupc Cdch mang Cdng nghiep 4.0 ma nhieu qud'c gia dang hffdng tdi, trong dd cd Viet Nam. Fintech tai Viet Nam mdc du dudc ddnh gid cd tiem ndng phdt trien ra't Idn, song hien nay dang tdn tai nhieu vd'n de can dUdc giai quyet.
De phdt trien Fmtech tai Viet Nam, cdc cd quan quan ly can sdm ban hanh khudn kho phdp ly dieu chinh hoat ddng Fintech, trUdc tien la ban hanh cd che' quan ly thu' nghiem (sandbox) tff md hinh cua mot sd nUdc dl trUdc. Tidp den la xay dffng chien lUdc ddo tao va phat trien ngudn nhan lUc Fintech dap ii'ng dUdc yeu cau ve sU dot phd, ddi mdi sdng tao cua ITnh vffc nay.
Trong dai han, de phdt trien Fintech ben vffng, can thidt phdi xay dung mpt he sinh thdi Fintech hoan chinh vdi cac chu the gom: Chinh phii, cdc trung gian tai chinh va doanh nghiep Fintech.
Chinh phu xdy dffng vd ban hdnh cac chinh sdch va tao moi trffdng kinh doanh thuan lpi cho hoat ddng Fintech; Cdc to chffc trung gian tai chinh cung cap ngu6n vdn va phat Irien cdc san pham hdp tdc vdi doanh nghiep Fintech nhdm tan dung dffdc didm manh ciia ca hai b6n, Cac doanh nghiep Fintech ddng gdp cac gidi phdp cdng nghe mdi, dot phd.Q
TAI LI^U THAMKHAO
1. Bd Thdng tin va Truyen thdng (2019). Sdch trdng ve Cdng nghe thdng tin vd truyin thdng ndm 2019, Nxb Thdng tin va Truyen thdng
2. Hdi Tin hoc TP. Hd Chi Minh (2019). Tdi lieu hdi thdo "Todn cdnh Cong nghe thdng tin Viit Nam".ihang 10/2019
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