{"id":38788,"date":"2025-06-23T05:55:09","date_gmt":"2025-06-22T22:55:09","guid":{"rendered":"https:\/\/quanghung.name.vn\/cong-nghe\/thang-9-se-dong-cac-tai-khoan-ngan-hang-chet-de-chong-lua-dao-gian-lan\/"},"modified":"2025-06-23T05:55:09","modified_gmt":"2025-06-22T22:55:09","slug":"thang-9-se-dong-cac-tai-khoan-ngan-hang-chet-de-chong-lua-dao-gian-lan","status":"publish","type":"post","link":"https:\/\/quanghung.name.vn\/?p=38788","title":{"rendered":"Th\u00e1ng 9 s\u1ebd \u0111\u00f3ng c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u201cch\u1ebft\u201d \u0111\u1ec3 ch\u1ed1ng l\u1eeba \u0111\u1ea3o, gian l\u1eadn"},"content":{"rendered":"
\n

T\u1ea1i h\u1ecdp b\u00e1o Ng\u00e0y kh\u00f4ng ti\u1ec1n m\u1eb7t 2025, \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c v\u00e0o ng\u00e0y 2\/6, \u00f4ng Ph\u1ea1m Anh Tu\u1ea5n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, trong th\u1eddi gian qua vi\u1ec7c ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1eb7c bi\u1ec7t ch\u00fa tr\u1ecdng \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t cho v\u1ea5n \u0111\u1ec1 ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/p>\n

\"Phamanhtuan\"<\/source><\/picture>
\u00d4ng Ph\u1ea1m Anh Tu\u1ea5n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. \u1ea2nh: LM<\/figcaption><\/figure>\n

V\u1edbi vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 v\u1ec1 m\u1eb7t h\u00e0nh lang ph\u00e1p l\u00fd, h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 n\u00e2ng c\u1ea5p, k\u1ebft qu\u1ea3 h\u1ebft s\u1ee9c ph\u1ea5n kh\u1edfi. Trong n\u0103m 2024, gi\u00e1 tr\u1ecb thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t \u0111\u1ea1t: h\u01a1n 295,2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, g\u00e2\u0301p 26 l\u00e2\u0300n GDP.\u00a0\u0110\u1ebfn cu\u1ed1i n\u0103m 2024, t\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00e2n t\u1eeb 15 tu\u1ed5i tr\u1edf l\u00ean c\u00f3 t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ea1t 86,97%.<\/p>\n

Theo \u00f4ng Ph\u1ea1m Anh Tu\u1ea5n, so v\u1edbi con s\u1ed1 n\u0103m 2023 (87,08%), t\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00e2n t\u1eeb 15 tu\u1ed5i tr\u1edf l\u00ean c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng th\u1ea5p h\u01a1n m\u1ed9t ch\u00fat, \u0111\u00e2y l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu khi \u0111\u00e3 tr\u1ea3i qua m\u1ed9t qu\u00e1 tr\u00ecnh s\u00e0ng l\u1ecdc, l\u00e0m s\u1ea1ch d\u1eef li\u1ec7u, x\u00e1c minh, \u0111\u1ed1i chi\u1ebfu sinh tr\u1eafc h\u1ecdc t\u00e0i kho\u1ea3n.<\/p>\n

Theo th\u1ed1ng k\u00ea tr\u01b0\u1edbc \u0111\u00f3 c\u1ea3 n\u01b0\u1edbc c\u00f3 200 tri\u1ec7u t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, nh\u01b0ng cho \u0111\u1ebfn hi\u1ec7n nay s\u1ed1 t\u00e0i kho\u1ea3n th\u1eadt s\u1ef1 \u201cs\u1ed1ng\u201d, \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu, \u201cl\u00e0m s\u1ea1ch\u201d th\u00f4ng tin l\u00e0 113 tri\u1ec7u t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 tr\u00ean 711.000 t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c.<\/p>\n

\u201c\u0110\u00e2y l\u00e0 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng l\u00e0m s\u1ea1ch d\u1eef li\u1ec7u, con s\u1ed1 t\u00e0i kho\u1ea3n hi\u1ec7n nay v\u1eabn l\u00e0 200 tri\u1ec7u t\u00e0i kho\u1ea3n, nh\u01b0ng \u0111\u1ebfn th\u00e1ng 9\/2025 s\u1ebd c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u00f3ng t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n m\u00e0 kh\u00f4ng thu th\u1eadp \u0111\u01b0\u1ee3c th\u00f4ng tin sinh tr\u1eafc h\u1ecdc \u0111\u1ec3 ph\u00f2ng ch\u1ed1ng l\u1eeba \u0111\u1ea3o, gian l\u1eadn. Ch\u00fang ta \u0111\u00e3 \u0111i v\u00e0o th\u1ef1c ch\u1ea5t v\u00e0 7 n\u0103m qua tri\u1ec3n khai r\u1ea5t l\u00e0 t\u1ed1t vi\u1ec7c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, k\u00edch th\u00edch m\u1ecdi ng\u01b0\u1eddi m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n\u201d, \u00f4ng Ph\u1ea1m Anh Tu\u1ea5n cho bi\u1ebft.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a t\u1ed5ng c\u1ee5c th\u1ed1ng k\u00ea (nay thu\u1ed9c B\u1ed9 T\u00e0i ch\u00ednh), \u0111\u1ebfn 31\/12\/2024 Vi\u1ec7t Nam c\u00f3 tr\u00ean 69 tri\u1ec7u ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh t\u1eeb 15 tu\u1ed5i tr\u1edf l\u00ean, s\u1ed1 ng\u01b0\u1eddi c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u1ea1t tr\u00ean 68 tri\u1ec7u. Nh\u01b0 v\u1eady c\u00f3 th\u1ec3 th\u1ea5y hi\u1ec7n nay vi\u1ec7c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t \u0111\u00e3 r\u1ea5t ph\u00e1t tri\u1ec3n.<\/p>\n

\u00d4ng Ph\u1ea1m Anh Tu\u1ea5n chia s\u1ebb, “Ng\u00e0y kh\u00f4ng ti\u1ec1n m\u1eb7t” n\u0103m 2025 do b\u00e1o Tu\u1ed5i Tr\u1ebb ph\u00e1t \u0111\u1ed9ng \u0111\u00e3 ch\u00ednh th\u1ee9c b\u01b0\u1edbc sang n\u0103m th\u1ee9 7 v\u1edbi ch\u1ee7 \u0111\u1ec1 “Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u00fac \u0111\u1ea9y kinh t\u1ebf s\u1ed1 ph\u00e1t tri\u1ec3n”, mang th\u00f4ng \u0111i\u1ec7p r\u00f5 r\u00e0ng v\u00e0 \u00fd ngh\u0129a: Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c giao d\u1ecbch m\u00e0 l\u00e0 n\u1ec1n t\u1ea3ng chi\u1ebfn l\u01b0\u1ee3c k\u1ebft n\u1ed1i m\u1ecdi th\u00e0nh ph\u1ea7n trong kinh t\u1ebf s\u1ed1.<\/p>\n

N\u00f3 l\u00e0 n\u1ec1n t\u1ea3ng c\u1ed1t l\u00f5i gi\u00fap h\u1ec7 sinh th\u00e1i s\u1ed1 g\u1eafn k\u1ebft ch\u1eb7t ch\u1ebd, v\u1eadn \u0111\u1ed9ng tr\u01a1n tru v\u00e0 ng\u00e0y c\u00e0ng ho\u00e0n thi\u1ec7n, t\u1eeb \u0111\u00f3 \u0111\u01b0a Vi\u1ec7t Nam ti\u1ebfn g\u1ea7n h\u01a1n \u0111\u1ebfn m\u1ed9t n\u1ec1n kinh t\u1ebf hi\u1ec7n \u0111\u1ea1i, minh b\u1ea1ch v\u00e0 to\u00e0n di\u1ec7n.<\/p>\n

Tri\u1ec3n khai c\u00e1c nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m t\u1ea1i \u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n Ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1ea1i Vi\u1ec7t Nam giai \u0111o\u1ea1n 2021 – \u00a02025 ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1813 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng t\u1eadp trung n\u1ed7 l\u1ef1c l\u1edbn cho c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng, ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf, ph\u00e1p l\u00fd v\u00e0 t\u1ed5 ch\u1ee9c tri\u1ec3n khai th\u1ef1c hi\u1ec7n; t\u0103ng c\u01b0\u1eddng \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi, \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh kinh doanh, ho\u1ea1t \u0111\u1ed9ng h\u1ee3p t\u00e1c \u0111\u1ec3 s\u00e1ng t\u1ea1o v\u00e0 cung \u1ee9ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 an to\u00e0n, b\u1ea3o m\u1eadt, ti\u1ec7n \u00edch, \u0111em l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 tr\u1ea3i nghi\u1ec7m v\u01b0\u1ee3t tr\u1ed9i cho kh\u00e1ch h\u00e0ng, g\u00f3p ph\u1ea7n t\u0103ng t\u1ed1c \u0111i t\u1edbi m\u1ed9t x\u00e3 h\u1ed9i kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/p>\n

\"ngaykhongtienmat\"<\/source><\/picture>
Theo \u00f4ng Ph\u1ea1m Anh Tu\u1ea5n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc: l\u0129nh v\u1ef1c thanh to\u00e1n \u0111\u1ea1t nhi\u1ec1u th\u00e0nh t\u1ef1u n\u1ed5i b\u1eadt trong n\u0103m 2024 v\u00e0 nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2025. \u1ea2nh: LM<\/figcaption><\/figure>\n

\u0110\u1ed3ng th\u1eddi l\u0129nh v\u1ef1c thanh to\u00e1n \u0111\u1ea1t nhi\u1ec1u th\u00e0nh t\u1ef1u n\u1ed5i b\u1eadt trong n\u0103m 2024 v\u00e0 nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2025.<\/p>\n

Trong qu\u00fd 1\/2025, giao d\u1ecbch qua h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng \u0111\u1ea1t 35.665.760 m\u00f3n v\u1edbi gi\u00e1 tr\u1ecb \u0111\u1ea1t 81.468.633 t\u1ef7 \u0111\u1ed3ng (t\u01b0\u01a1ng \u1ee9ng t\u0103ng 9,60% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng v\u00e0 t\u0103ng 36,81% v\u1ec1 gi\u00e1 tr\u1ecb giao d\u1ecbch so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2024).\u00a0So v\u1edbi \u00a0c\u00f9ng k\u1ef3 n\u0103m 2024, giao d\u1ecbch thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u0103ng 44,43% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng \u00a0(qua k\u00eanh Internet t\u0103ng 40,41%; qua k\u00eanh \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng t\u0103ng 39,82%; qua ph\u01b0\u01a1ng th\u1ee9c QR code t\u0103ng 81,64%); c\u00f3 g\u1ea7n 10,4 tri\u1ec7u t\u00e0i kho\u1ea3n Mobile Money, trong \u0111\u00f3 h\u01a1n 72% l\u00e0 \u1edf n\u00f4ng th\u00f4n, mi\u1ec1n n\u00fai, v\u00f9ng s\u00e2u, v\u00f9ng xa, bi\u00ean gi\u1edbi v\u00e0 h\u1ea3i \u0111\u1ea3o. \u0110\u1ebfn th\u1eddi \u0111i\u1ec3m ng\u00e0y 31\/03\/2025, c\u00f3 47 t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 v\u00ed \u0111i\u1ec7n t\u1eed; s\u1ed1 l\u01b0\u1ee3ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111ang ho\u1ea1t \u0111\u1ed9ng l\u00e0 kho\u1ea3ng 30,27 tri\u1ec7u v\u00ed (chi\u1ebfm 65,8% trong t\u1ed5ng s\u1ed1 g\u1ea7n 46,01 tri\u1ec7u V\u00ed \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t) v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n tr\u00ean c\u00e1c v\u00ed n\u00e0y l\u00e0 tr\u00ean \u00a02,8 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng.<\/p>\n

V\u1ec1 \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi B\u1ed9 C\u00f4ng An tri\u1ec3n khai hi\u1ec7u qu\u1ea3 \u0110\u1ec1 \u00e1n 06 c\u1ee7a Ch\u00ednh ph\u1ee7, \u0111\u1ebfn nay, \u0111\u00e3 c\u00f3 kho\u1ea3ng 57 tri\u1ec7u l\u01b0\u1ee3t h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c r\u00e0 so\u00e1t, \u0111\u1ed1i chi\u1ebfu d\u1eef li\u1ec7u v\u1edbi C\u01a1 s\u1edf d\u1eef li\u1ec7u Qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0; h\u01a1n 111,8 tri\u1ec7u h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin sinh tr\u1eafc h\u1ecdc.<\/p>\n

\"\"<\/picture>\n
V\u00ed \u0111i\u1ec7n t\u1eed ch\u00ednh th\u1ee9c tr\u1edf th\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n t\u1eeb 1\/7T\u1eeb 1\/7\/2025, v\u00ed \u0111i\u1ec7n t\u1eed ch\u00ednh th\u1ee9c tr\u1edf th\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, v\u00ed \u0111i\u1ec7n t\u1eed s\u1ebd t\u01b0\u01a1ng t\u1ef1 t\u00e0i kho\u1ea3n, t\u01b0\u01a1ng t\u1ef1 th\u1ebb v\u00e0 ti\u1ec1n m\u1eb7t.<\/span><\/div>\n<\/article>\n


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

T\u1ea1i h\u1ecdp b\u00e1o Ng\u00e0y kh\u00f4ng ti\u1ec1n m\u1eb7t 2025, \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c v\u00e0o ng\u00e0y 2\/6, \u00f4ng Ph\u1ea1m Anh Tu\u1ea5n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, trong th\u1eddi gian qua vi\u1ec7c ho\u00e0n thi\u1ec7n th\u1ec3 ch\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1eb7c bi\u1ec7t ch\u00fa tr\u1ecdng \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t cho<\/p>\n","protected":false},"author":1,"featured_media":38789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow44a6DA:productID":"","footnotes":""},"categories":[3],"tags":[18237,394,1488,15994],"class_list":["post-38788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe","tag-gian-lan","tag-lua-dao","tag-tai-khoan-ngan-hang","tag-thanh-toan-khong-tien-mat"],"_links":{"self":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/38788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38788"}],"version-history":[{"count":0,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/38788\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/media\/38789"}],"wp:attachment":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}