{"id":83555,"date":"2024-04-05T10:00:58","date_gmt":"2024-04-05T14:00:58","guid":{"rendered":"https:\/\/ideascale.com\/viblog\/dinh-nghia-doi-moi-tai-chinh-la-gi\/"},"modified":"2024-06-12T03:05:33","modified_gmt":"2024-06-12T07:05:33","slug":"dinh-nghia-doi-moi-tai-chinh-la-gi","status":"publish","type":"post","link":"https:\/\/ideascale.com\/vi\/viblog\/dinh-nghia-doi-moi-tai-chinh-la-gi\/","title":{"rendered":"\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, v\u00ed d\u1ee5, chi\u1ebfn l\u01b0\u1ee3c v\u00e0 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><strong><b>M\u1ee5c l\u1ee5c<\/b><\/strong><\/p>\n<\/div><div class=\"awb-toc-el awb-toc-el--1\" data-awb-toc-id=\"1\" data-awb-toc-options=\"{&quot;allowed_heading_tags&quot;:{&quot;h2&quot;:0},&quot;ignore_headings&quot;:&quot;&quot;,&quot;ignore_headings_words&quot;:&quot;&quot;,&quot;enable_cache&quot;:&quot;yes&quot;,&quot;highlight_current_heading&quot;:&quot;no&quot;,&quot;hide_hidden_titles&quot;:&quot;yes&quot;,&quot;limit_container&quot;:&quot;post_content&quot;,&quot;select_custom_headings&quot;:&quot;&quot;,&quot;icon&quot;:&quot;fa-flag fas&quot;,&quot;counter_type&quot;:&quot;decimal&quot;}\" style=\"--awb-counter-type:counters(awb-toc, &quot;.&quot;, decimal) &quot;. &quot;;\"><div class=\"awb-toc-el__content\"><ul class=\"awb-toc-el__list awb-toc-el__list--0\"><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_oi_moi_tai_chinh_la_gi\">\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/a><\/li><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_7_vi_du_ve_oi_moi_tai_chinh\">7 v\u00ed d\u1ee5 v\u1ec1 \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh<\/a><\/li><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_Chien_luoc_oi_moi_tai_chinh\">Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh<\/a><\/li><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_8_cong_nghe_moi_noi_trong_tai_chinh\">8 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i trong t\u00e0i ch\u00ednh<\/a><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><h2>\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/h2>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 \u1ee9ng d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, c\u00f4ng ngh\u1ec7 ho\u1eb7c quy tr\u00ecnh t\u00e0i ch\u00ednh m\u1edbi \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3, gi\u1ea3m thi\u1ec3u r\u1ee7i ro, t\u1ea1o ra gi\u00e1 tr\u1ecb ho\u1eb7c th\u00edch \u1ee9ng v\u1edbi c\u00e1c y\u00eau c\u1ea7u thay \u0111\u1ed5i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. N\u00f3 bao g\u1ed3m m\u1ed9t lo\u1ea1t c\u00e1c ph\u00e1t tri\u1ec3n tr\u00ean nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh, bao g\u1ed3m ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m, \u0111\u1ea7u t\u01b0 v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n.<\/span><\/p>\n<p><b>\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c, bao g\u1ed3m:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>S\u1ea3n ph\u1ea9m v\u00e0 D\u1ecbch v\u1ee5 M\u1edbi:<\/b> <span style=\"font-weight: 400;\">Gi\u1edbi thi\u1ec7u c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh m\u1edbi, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c c\u00f4ng c\u1ee5 ph\u00e1i sinh, qu\u1ef9 giao d\u1ecbch trao \u0111\u1ed5i (ETF) ho\u1eb7c n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng, cung c\u1ea5p nh\u1eefng c\u00e1ch th\u1ee9c s\u00e1ng t\u1ea1o \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro, ph\u00e2n b\u1ed5 v\u1ed1n ho\u1eb7c ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00e0i ch\u00ednh.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7:<\/b> <span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7, ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, chu\u1ed7i kh\u1ed1i ho\u1eb7c h\u1ecdc m\u00e1y, \u0111\u1ec3 h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh, n\u00e2ng cao kh\u1ea3 n\u0103ng ra quy\u1ebft \u0111\u1ecbnh ho\u1eb7c t\u1ea1o ra c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi, ch\u1eb3ng h\u1ea1n nh\u01b0 \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng ho\u1eb7c c\u1ed1 v\u1ea5n robot.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>K\u1ef9 thu\u1eadt qu\u1ea3n l\u00fd r\u1ee7i ro:<\/b> <span style=\"font-weight: 400;\">S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd r\u1ee7i ro ph\u1ee9c t\u1ea1p, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1ee9ng kho\u00e1n h\u00f3a, ho\u00e1n \u0111\u1ed5i n\u1ee3 x\u1ea5u ho\u1eb7c tr\u00e1i phi\u1ebfu th\u1ea3m h\u1ecda, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c ph\u00f2ng ng\u1eeba r\u1ee7i ro t\u00e0i ch\u00ednh, ch\u1eb3ng h\u1ea1n nh\u01b0 r\u1ee7i ro t\u00edn d\u1ee5ng, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng ho\u1eb7c r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Thay \u0111\u1ed5i quy \u0111\u1ecbnh:<\/b> <span style=\"font-weight: 400;\">Vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh ho\u1eb7c khu\u00f4n kh\u1ed5 m\u1edbi, ch\u1eb3ng h\u1ea1n nh\u01b0 Basel III ho\u1eb7c \u0110\u1ea1o lu\u1eadt Dodd-Frank, nh\u1eb1m t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch, \u1ed5n \u0111\u1ecbnh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, \u0111\u1ed3ng th\u1eddi th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi v\u00e0 c\u1ea1nh tranh.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>M\u00f4 h\u00ecnh kinh doanh:<\/b> <span style=\"font-weight: 400;\">Vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh kinh doanh \u0111\u1ed5i m\u1edbi, ch\u1eb3ng h\u1ea1n nh\u01b0 n\u1ec1n t\u1ea3ng huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 ho\u1eb7c ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1, ph\u00e1 v\u1ee1 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p, gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n cho kh\u00e1ch h\u00e0ng.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nh\u00ecn chung, \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho \u0111\u1ea7u t\u01b0 v\u00e0 h\u00ecnh th\u00e0nh v\u1ed1n c\u0169ng nh\u01b0 m\u1edf r\u1ed9ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n. Tuy nhi\u00ean, n\u00f3 c\u0169ng \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c, bao g\u1ed3m tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, r\u1ee7i ro an ninh m\u1ea1ng v\u00e0 c\u00e1c t\u00e1c \u0111\u1ed9ng ti\u1ec1m \u1ea9n mang t\u00ednh h\u1ec7 th\u1ed1ng, \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 s\u1ef1 gi\u00e1m s\u00e1t v\u00e0 qu\u1ea3n l\u00fd c\u1ea9n th\u1eadn \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 to\u00e0n v\u1eb9n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/span><\/p>\n<h2>7 v\u00ed d\u1ee5 v\u1ec1 \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh<\/h2>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh bao g\u1ed3m m\u1ed9t lo\u1ea1t c\u00e1c ph\u00e1t tri\u1ec3n \u0111\u00e3 l\u00e0m thay \u0111\u1ed5i c\u1ee5c di\u1ec7n c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh trong nh\u1eefng n\u0103m qua. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh tr\u00ean c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c nhau:<\/span><\/p>\n<p><b>1. Th\u1ebb t\u00edn d\u1ee5ng:  <\/b><span style=\"font-weight: 400;\">Th\u1ebb t\u00edn d\u1ee5ng \u0111\u00e3 c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch ng\u01b0\u1eddi ti\u00eau d\u00f9ng thanh to\u00e1n v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. \u0110\u01b0\u1ee3c gi\u1edbi thi\u1ec7u v\u00e0o gi\u1eefa th\u1ebf k\u1ef7 20, th\u1ebb t\u00edn d\u1ee5ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua h\u00e0ng b\u1eb1ng t\u00edn d\u1ee5ng, ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n t\u1ea1m \u1ee9ng ti\u1ec1n m\u1eb7t v\u00e0 h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh ph\u1ea7n th\u01b0\u1edfng, mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n v\u00e0 linh ho\u1ea1t trong c\u00e1c giao d\u1ecbch h\u00e0ng ng\u00e0y.<\/span><\/p>\n<p><b>2. Ch\u1ee9ng kho\u00e1n h\u00f3a:<\/b><span style=\"font-weight: 400;\">  Ch\u1ee9ng kho\u00e1n h\u00f3a bao g\u1ed3m vi\u1ec7c t\u1eadp h\u1ee3p c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh kh\u00e1c nhau, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1ebf ch\u1ea5p, cho vay ho\u1eb7c c\u00e1c kho\u1ea3n ph\u1ea3i thu v\u00e0 ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi c\u00e1c t\u00e0i s\u1ea3n n\u00e0y. Qu\u00e1 tr\u00ecnh n\u00e0y cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh chuy\u1ec3n giao r\u1ee7i ro, c\u1ea3i thi\u1ec7n t\u00ednh thanh kho\u1ea3n v\u00e0 t\u1ea1o c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p (MBS) v\u00e0 ngh\u0129a v\u1ee5 n\u1ee3 c\u00f3 th\u1ebf ch\u1ea5p (CDO).<\/span><\/p>\n<p><b>3. Qu\u1ef9 giao d\u1ecbch trao \u0111\u1ed5i (ETF):<\/b><span style=\"font-weight: 400;\">  ETF l\u00e0 qu\u1ef9 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c giao d\u1ecbch tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch ch\u1ee9ng kho\u00e1n theo d\u00f5i hi\u1ec7u su\u1ea5t c\u1ee7a m\u1ed9t ch\u1ec9 s\u1ed1, h\u00e0ng h\u00f3a, tr\u00e1i phi\u1ebfu ho\u1eb7c r\u1ed5 t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3. ETF cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn \u0111a d\u1ea1ng v\u1edbi c\u00e1c th\u1ecb tr\u01b0\u1eddng v\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 truy\u1ec1n th\u1ed1ng, khi\u1ebfn ch\u00fang tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn cho c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n l\u1ebb v\u00e0 t\u1ed5 ch\u1ee9c.<\/span><\/p>\n<p><b>4. Cho vay ngang h\u00e0ng (P2P):<\/b><span style=\"font-weight: 400;\">  N\u1ec1n t\u1ea3ng cho vay P2P k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi vay v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c, b\u1ecf qua c\u00e1c trung gian t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng. Nh\u1eefng n\u1ec1n t\u1ea3ng n\u00e0y t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng vay v\u00e0 cho vay th\u00f4ng qua c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn, mang \u0111\u1ebfn cho ng\u01b0\u1eddi vay quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c ngu\u1ed3n t\u00e0i ch\u00ednh thay th\u1ebf v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 c\u01a1 h\u1ed9i ki\u1ebfm \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn.<\/span><\/p>\n<p><b>5. Blockchain v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed:  <\/b><span style=\"font-weight: 400;\">C\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i c\u1ee7ng c\u1ed1 c\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin v\u00e0 Ethereum, cho ph\u00e9p c\u00e1c giao d\u1ecbch an to\u00e0n, phi t\u1eadp trung v\u00e0 h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh m\u00e0 kh\u00f4ng c\u1ea7n qua trung gian. Ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 tr\u1edf n\u00ean n\u1ed5i b\u1eadt nh\u01b0 m\u1ed9t t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 kh\u1ea3 n\u0103ng ph\u00e1 v\u1ee1 c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n truy\u1ec1n th\u1ed1ng, l\u01b0u tr\u1eef gi\u00e1 tr\u1ecb v\u00e0 th\u1eadm ch\u00ed t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi) nh\u01b0 cho vay, \u0111i vay v\u00e0 trao \u0111\u1ed5i phi t\u1eadp trung.<\/span><\/p>\n<p><b>6. C\u1ed1 v\u1ea5n robot:  <\/b><span style=\"font-weight: 400;\">C\u1ed1 v\u1ea5n robot l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng s\u1eed d\u1ee5ng thu\u1eadt to\u00e1n v\u00e0 m\u00f4 h\u00ecnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u \u0111\u1ec3 cung c\u1ea5p l\u1eddi khuy\u00ean \u0111\u1ea7u t\u01b0 v\u00e0 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho ng\u01b0\u1eddi d\u00f9ng. Nh\u1eefng n\u1ec1n t\u1ea3ng n\u00e0y cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 chi ph\u00ed th\u1ea5p, t\u00e1i c\u00e2n b\u1eb1ng t\u1ef1 \u0111\u1ed9ng v\u00e0 t\u1ed1i \u01b0u h\u00f3a thu\u1ebf, d\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00e1n l\u1ebb.<\/span><\/p>\n<p><b>7. H\u1ec7 th\u1ed1ng thanh to\u00e1n di \u0111\u1ed9ng:  <\/b><span style=\"font-weight: 400;\">C\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n di \u0111\u1ed9ng nh\u01b0 Apple Pay, Google Pay v\u00e0 Alipay \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ef1c hi\u1ec7n thanh to\u00e1n b\u1eb1ng c\u00e1ch cho ph\u00e9p giao d\u1ecbch kh\u00f4ng ti\u1ebfp x\u00fac b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u00e0 c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng kh\u00e1c. C\u00e1c h\u1ec7 th\u1ed1ng n\u00e0y t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 Giao ti\u1ebfp tr\u01b0\u1eddng g\u1ea7n (NFC) v\u00e0 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c an to\u00e0n \u0111\u1ec3 mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n, b\u1ea3o m\u1eadt v\u00e0 t\u00edch h\u1ee3p li\u1ec1n m\u1ea1ch v\u1edbi c\u00e1c m\u1ea1ng thanh to\u00e1n hi\u1ec7n c\u00f3.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng v\u00ed d\u1ee5 n\u00e0y minh h\u1ecda m\u1ed9t lo\u1ea1t c\u00e1c \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh \u0111a d\u1ea1ng \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, th\u00fac \u0111\u1ea9y hi\u1ec7u qu\u1ea3, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 \u0111\u1ed5i m\u1edbi trong ng\u00e0nh t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><strong><b>T\u00ecm hi\u1ec3u th\u00eam: <a href=\"https:\/\/ideascale.com\/vi\/viblog\/chuyen-doi-so-trong-nganh-tai-chinh\/\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh t\u00e0i ch\u00ednh<\/a><\/b><\/strong><\/p>\n<h2>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh<\/h2>\n<p><span style=\"font-weight: 400;\">Chi\u1ebfn l\u01b0\u1ee3c \u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh th\u01b0\u1eddng t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi, c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n thay th\u1ebf ho\u1eb7c c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh m\u1edbi \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 ho\u1eb7c \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf c\u1ea1nh tranh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh s\u00e1ng t\u1ea1o:<\/span><\/p>\n<ol>\n<li><b>  Chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch \u0111\u1ecbnh l\u01b0\u1ee3ng<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch \u0111\u1ecbnh l\u01b0\u1ee3ng, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 giao d\u1ecbch thu\u1eadt to\u00e1n ho\u1eb7c t\u1ef1 \u0111\u1ed9ng, li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh to\u00e1n h\u1ecdc, ph\u00e2n t\u00edch th\u1ed1ng k\u00ea v\u00e0 thu\u1eadt to\u00e1n m\u00e1y t\u00ednh \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. Nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c n\u00e0y c\u00f3 th\u1ec3 khai th\u00e1c s\u1ef1 k\u00e9m hi\u1ec7u qu\u1ea3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng, x\u00e1c \u0111\u1ecbnh c\u00e1c m\u00f4 h\u00ecnh v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u01a1 h\u1ed9i giao d\u1ecbch ng\u1eafn h\u1ea1n v\u1edbi t\u1ed1c \u0111\u1ed9 v\u00e0 \u0111\u1ed9 ch\u00ednh x\u00e1c cao.<\/span><\/p>\n<ol start=\"2\">\n<li><b>  \u0110\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng<\/b><\/li>\n<\/ol>\n<p>\u0110\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng \u01b0u ti\u00ean t\u1ea1o ra c\u00e1c k\u1ebft qu\u1ea3 c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t x\u00e3 h\u1ed9i ho\u1eb7c m\u00f4i tr\u01b0\u1eddng b\u00ean c\u1ea1nh vi\u1ec7c \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i \u00edch t\u00e0i ch\u00ednh. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tri\u1ec3n khai v\u1ed1n v\u00e0o c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c ho\u1eb7c qu\u1ef9 nh\u1eb1m gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c to\u00e0n c\u1ea7u c\u1ea5p b\u00e1ch nh\u01b0 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, ti\u1ebfp c\u1eadn ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe ho\u1eb7c x\u00f3a \u0111\u00f3i gi\u1ea3m ngh\u00e8o. \u0110\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c k\u1ebft qu\u1ea3 x\u00e3 h\u1ed9i ho\u1eb7c m\u00f4i tr\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ed3ng th\u1eddi mang l\u1ea1i l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh c\u1ea1nh tranh.<\/p>\n<ol start=\"3\">\n<li><b>  Huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">N\u1ec1n t\u1ea3ng g\u00e2y qu\u1ef9 c\u1ed9ng \u0111\u1ed3ng cho ph\u00e9p c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p huy \u0111\u1ed9ng v\u1ed1n t\u1eeb m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, th\u01b0\u1eddng th\u00f4ng qua c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn. Ph\u01b0\u01a1ng th\u1ee9c t\u00e0i tr\u1ee3 s\u00e1ng t\u1ea1o n\u00e0y b\u1ecf qua c\u00e1c ngu\u1ed3n t\u00e0i tr\u1ee3 truy\u1ec1n th\u1ed1ng, ch\u1eb3ng h\u1ea1n nh\u01b0 ng\u00e2n h\u00e0ng ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m, cho ph\u00e9p c\u00e1c doanh nh\u00e2n ti\u1ebfp c\u1eadn v\u1ed1n hi\u1ec7u qu\u1ea3 h\u01a1n v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia v\u00e0o nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng.<\/span><\/p>\n<ol start=\"4\">\n<li><b>  \u0110\u1ea7u t\u01b0 thay th\u1ebf<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 thay th\u1ebf bao g\u1ed3m c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n phi truy\u1ec1n th\u1ed1ng ngo\u00e0i c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu v\u00e0 ti\u1ec1n m\u1eb7t, ch\u1eb3ng h\u1ea1n nh\u01b0 v\u1ed1n c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n, qu\u1ef9 ph\u00f2ng h\u1ed9, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, h\u00e0ng h\u00f3a v\u00e0 \u0111\u1ed3 s\u01b0u t\u1ea7m. Nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch \u0111a d\u1ea1ng h\u00f3a, ti\u1ec1m n\u0103ng l\u1ee3i nhu\u1eadn cao h\u01a1n v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t so v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n truy\u1ec1n th\u1ed1ng, khi\u1ebfn ch\u00fang tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tinh vi \u0111ang t\u00ecm c\u00e1ch n\u00e2ng cao hi\u1ec7u su\u1ea5t danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/span><\/p>\n<ol start=\"5\">\n<li><b>  N\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">N\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi vay v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 vay ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. C\u00e1c n\u1ec1n t\u1ea3ng n\u00e0y t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi \u0111i vay v\u1edbi ng\u01b0\u1eddi cho vay, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00edn d\u1ee5ng v\u00e0 t\u1ef1 \u0111\u1ed9ng x\u1eed l\u00fd kho\u1ea3n vay, cung c\u1ea5p cho ng\u01b0\u1eddi \u0111i vay kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c ngu\u1ed3n t\u00e0i ch\u00ednh thay th\u1ebf v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 c\u01a1 h\u1ed9i thu \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn.<\/span><\/p>\n<ol start=\"6\">\n<li><b>  \u0110\u1ea7u t\u01b0 ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 chu\u1ed7i kh\u1ed1i<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin v\u00e0 Ethereum, c\u0169ng nh\u01b0 c\u00f4ng ngh\u1ec7 blockchain, \u0111\u00e3 n\u1ed5i l\u00ean nh\u01b0 nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 s\u00e1ng t\u1ea1o v\u1edbi ti\u1ec1m n\u0103ng mang l\u1ea1i l\u1ee3i nhu\u1eadn \u0111\u00e1ng k\u1ec3 v\u00e0 \u0111\u1ed9t ph\u00e1 v\u1ec1 c\u00f4ng ngh\u1ec7. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed th\u00f4ng qua quy\u1ec1n s\u1edf h\u1eefu tr\u1ef1c ti\u1ebfp, qu\u1ef9 \u0111\u1ea7u t\u01b0, h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng lai ho\u1eb7c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi), truy c\u1eadp v\u00e0o m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n m\u1edbi v\u1edbi c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m v\u00e0 h\u1ed3 s\u01a1 r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o.<\/span><\/p>\n<ol start=\"7\">\n<li><b>  Chi\u1ebfn l\u01b0\u1ee3c Beta th\u00f4ng minh<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Chi\u1ebfn l\u01b0\u1ee3c beta th\u00f4ng minh k\u1ebft h\u1ee3p c\u00e1c y\u1ebfu t\u1ed1 l\u1eadp ch\u1ec9 m\u1ee5c th\u1ee5 \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd t\u00edch c\u1ef1c \u0111\u1ec3 thi\u1ebft k\u1ebf danh m\u1ee5c \u0111\u1ea7u t\u01b0 nh\u1eafm \u0111\u1ebfn c\u00e1c y\u1ebfu t\u1ed1 ho\u1eb7c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3, ch\u1eb3ng h\u1ea1n nh\u01b0 m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p, t\u1ef7 su\u1ea5t c\u1ed5 t\u1ee9c cao ho\u1eb7c \u0111\u1ea7u t\u01b0 gi\u00e1 tr\u1ecb. C\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p d\u1ef1a tr\u00ean quy t\u1eafc v\u00e0 k\u1ef9 thu\u1eadt \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ec3 x\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 kh\u00e1c v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 t\u00ednh theo v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng truy\u1ec1n th\u1ed1ng, cung c\u1ea5p cho nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p thay th\u1ebf \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd.<\/span><\/p>\n<ol start=\"8\">\n<li><b>  Th\u1ecfa thu\u1eadn chia s\u1ebb thu nh\u1eadp (ISA)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Th\u1ecfa thu\u1eadn chia s\u1ebb thu nh\u1eadp l\u00e0 th\u1ecfa thu\u1eadn t\u00e0i ch\u00ednh s\u00e1ng t\u1ea1o trong \u0111\u00f3 c\u00e1c c\u00e1 nh\u00e2n nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 cho gi\u00e1o d\u1ee5c ho\u1eb7c \u0111\u00e0o t\u1ea1o \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y ph\u1ea7n tr\u0103m thu nh\u1eadp trong t\u01b0\u01a1ng lai c\u1ee7a h\u1ecd trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. ISA \u0111i\u1ec1u ch\u1ec9nh l\u1ee3i \u00edch c\u1ee7a sinh vi\u00ean v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, cung c\u1ea5p cho sinh vi\u00ean ngu\u1ed3n t\u00e0i tr\u1ee3 tr\u1ea3 tr\u01b0\u1edbc cho gi\u00e1o d\u1ee5c m\u00e0 kh\u00f4ng ph\u1ea3i g\u00e1nh n\u1eb7ng c\u00e1c kho\u1ea3n vay truy\u1ec1n th\u1ed1ng v\u00e0 mang l\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng g\u1eafn li\u1ec1n v\u1edbi thu nh\u1eadp trong t\u01b0\u01a1ng lai c\u1ee7a sinh vi\u00ean.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng v\u00ed d\u1ee5 n\u00e0y n\u00eau b\u1eadt t\u00ednh \u0111a d\u1ea1ng v\u00e0 t\u00ednh n\u0103ng \u0111\u1ed9ng c\u1ee7a c\u00e1c chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh \u0111\u1ed5i m\u1edbi, ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng thay \u0111\u1ed5i, ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 v\u00e0 s\u1edf th\u00edch c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. M\u1eb7c d\u00f9 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y mang l\u1ea1i c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng, \u0111a d\u1ea1ng h\u00f3a v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro, nh\u01b0ng ch\u00fang c\u0169ng y\u00eau c\u1ea7u \u0111\u00e1nh gi\u00e1 c\u1ea9n th\u1eadn, th\u1ea9m \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ec3 \u0111i\u1ec1u h\u01b0\u1edbng s\u1ef1 ph\u1ee9c t\u1ea1p v\u00e0 \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c m\u1ee5c ti\u00eau v\u00e0 ho\u00e0n c\u1ea3nh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/span><\/p>\n<h2>8 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i trong t\u00e0i ch\u00ednh<\/h2>\n<p><span style=\"font-weight: 400;\">C\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i \u0111ang li\u00ean t\u1ee5c \u0111\u1ecbnh h\u00ecnh l\u1ea1i ng\u00e0nh t\u00e0i ch\u00ednh, th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi, n\u00e2ng cao hi\u1ec7u qu\u1ea3 v\u00e0 thay \u0111\u1ed5i tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i quan tr\u1ecdng \u0111ang c\u00e1ch m\u1ea1ng h\u00f3a t\u00e0i ch\u00ednh:<\/span><\/p>\n<ol>\n<li><b>  C\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n v\u00e0 chu\u1ed7i kh\u1ed1i (DLT)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i cho ph\u00e9p c\u00e1c giao d\u1ecbch an to\u00e0n, phi t\u1eadp trung v\u00e0 minh b\u1ea1ch b\u1eb1ng c\u00e1ch ghi l\u1ea1i v\u00e0 x\u00e1c minh c\u00e1c giao d\u1ecbch tr\u00ean m\u1ea1ng m\u00e1y t\u00ednh ph\u00e2n t\u00e1n. DLT c\u00f3 c\u00e1c \u1ee9ng d\u1ee5ng trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 (v\u00ed d\u1ee5: Bitcoin), h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh, t\u00e0i ch\u00ednh chu\u1ed7i cung \u1ee9ng v\u00e0 x\u00e1c minh danh t\u00ednh, gi\u00fap t\u0103ng c\u01b0\u1eddng t\u00ednh b\u1ea3o m\u1eadt, hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ed9 tin c\u1eady trong c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.<\/span><\/p>\n<ol start=\"2\">\n<li><b>  Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) v\u00e0 H\u1ecdc m\u00e1y<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Thu\u1eadt to\u00e1n AI v\u00e0 m\u00e1y h\u1ecdc ph\u00e2n t\u00edch l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u00f4 h\u00ecnh, d\u1ef1 \u0111o\u00e1n xu h\u01b0\u1edbng v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a qu\u00e1 tr\u00ecnh ra quy\u1ebft \u0111\u1ecbnh trong t\u00e0i ch\u00ednh. C\u00e1c \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi AI bao g\u1ed3m chatbot cho d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, c\u1ed1 v\u1ea5n robo \u0111\u1ec3 qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0, h\u1ec7 th\u1ed1ng ph\u00e1t hi\u1ec7n gian l\u1eadn, m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 chi\u1ebfn l\u01b0\u1ee3c giao d\u1ecbch thu\u1eadt to\u00e1n, n\u00e2ng cao hi\u1ec7u qu\u1ea3, \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 c\u00e1 nh\u00e2n h\u00f3a trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/p>\n<ol start=\"3\">\n<li><b>  Ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn khai th\u00e1c c\u00e1c b\u1ed9 d\u1eef li\u1ec7u l\u1edbn \u0111\u1ec3 r\u00fat ra nh\u1eefng hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng, kh\u00e1m ph\u00e1 c\u00e1c m\u00f4 h\u00ecnh \u1ea9n v\u00e0 cung c\u1ea5p th\u00f4ng tin cho vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. B\u1eb1ng c\u00e1ch ph\u00e2n t\u00edch h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 h\u1ed3 s\u01a1 r\u1ee7i ro, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 t\u1ed1i \u01b0u h\u00f3a c\u00e1c chi\u1ebfn d\u1ecbch ti\u1ebfp th\u1ecb, t\u00f9y ch\u1ec9nh s\u1ea3n ph\u1ea9m v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 h\u01a1n, n\u00e2ng cao s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 l\u1ee3i nhu\u1eadn.<\/span><\/p>\n<ol start=\"4\">\n<li><b>  Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin v\u00e0 Ethereum, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 m\u00e3 th\u00f4ng b\u00e1o, \u0111ang thay \u0111\u1ed5i c\u00e1ch trao \u0111\u1ed5i, l\u01b0u tr\u1eef v\u00e0 chuy\u1ec3n giao gi\u00e1 tr\u1ecb. C\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain \u0111\u1ec3 cho ph\u00e9p giao d\u1ecbch ngang h\u00e0ng, thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi), mang l\u1ea1i kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn, b\u1ea3o m\u1eadt v\u00e0 hi\u1ec7u qu\u1ea3 cao h\u01a1n so v\u1edbi c\u00e1c lo\u1ea1i ti\u1ec1n t\u1ec7 fiat truy\u1ec1n th\u1ed1ng.<\/span><\/p>\n<ol start=\"5\">\n<li><b>  T\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh b\u1eb1ng robot (RPA)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">RPA t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 v\u00e0 quy tr\u00ecnh c\u00f4ng vi\u1ec7c l\u1eb7p \u0111i l\u1eb7p l\u1ea1i, d\u1ef1a tr\u00ean quy t\u1eafc trong t\u00e0i ch\u00ednh, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1eadp d\u1eef li\u1ec7u, \u0111\u1ed1i chi\u1ebfu v\u00e0 b\u00e1o c\u00e1o tu\u00e2n th\u1ee7. B\u1eb1ng c\u00e1ch tri\u1ec3n khai robot ph\u1ea7n m\u1ec1m \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng ng\u00e0y, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u c\u00e1c l\u1ed7i th\u1ee7 c\u00f4ng, \u0111\u1ea9y nhanh quy tr\u00ecnh v\u00e0 gi\u1ea3i ph\u00f3ng ngu\u1ed3n nh\u00e2n l\u1ef1c \u0111\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f3 gi\u00e1 tr\u1ecb cao h\u01a1n, th\u00fac \u0111\u1ea9y t\u0103ng n\u0103ng su\u1ea5t v\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed.<\/span><\/p>\n<ol start=\"6\">\n<li><b>  Internet v\u1ea1n v\u1eadt (IoT) v\u00e0 c\u00f4ng ngh\u1ec7 thi\u1ebft b\u1ecb \u0111eo<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c thi\u1ebft b\u1ecb IoT v\u00e0 c\u00f4ng ngh\u1ec7 thi\u1ebft b\u1ecb \u0111eo thu th\u1eadp d\u1eef li\u1ec7u theo th\u1eddi gian th\u1ef1c t\u1eeb c\u00e1c v\u1eadt th\u1ec3, thi\u1ebft b\u1ecb v\u00e0 c\u1ea3m bi\u1ebfn, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c \u1ee9ng d\u1ee5ng m\u1edbi trong t\u00e0i ch\u00ednh, ch\u1eb3ng h\u1ea1n nh\u01b0 theo d\u00f5i t\u00e0i s\u1ea3n, gi\u00e1m s\u00e1t r\u1ee7i ro v\u00e0 b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n h\u00f3a. B\u1eb1ng c\u00e1ch t\u00edch h\u1ee3p d\u1eef li\u1ec7u IoT v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean vi\u1ec7c s\u1eed d\u1ee5ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u0103ng c\u01b0\u1eddng ph\u00e1t hi\u1ec7n gian l\u1eadn v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 truy c\u1eadp th\u00f4ng tin chi ti\u1ebft v\u1ec1 th\u1ecb tr\u01b0\u1eddng theo th\u1eddi gian th\u1ef1c, c\u1ea3i thi\u1ec7n vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/span><\/p>\n<ol start=\"7\">\n<li><b>  C\u00f4ng ngh\u1ec7 \u0111i\u1ec1u ti\u1ebft (RegTech)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c gi\u1ea3i ph\u00e1p RegTech t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, gi\u00e1m s\u00e1t c\u00e1c thay \u0111\u1ed5i v\u1ec1 quy \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro tu\u00e2n th\u1ee7 trong t\u00e0i ch\u00ednh. C\u00e1c gi\u1ea3i ph\u00e1p n\u00e0y bao g\u1ed3m c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 tu\u00e2n th\u1ee7 ch\u1ed1ng r\u1eeda ti\u1ec1n (AML), x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng (KYC), gi\u00e1m s\u00e1t giao d\u1ecbch v\u00e0 b\u00e1o c\u00e1o quy \u0111\u1ecbnh, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u quy \u0111\u1ecbnh hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span><\/p>\n<ol start=\"8\">\n<li><b>  T\u00ednh to\u00e1n l\u01b0\u1ee3ng t\u1eed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110i\u1ec7n to\u00e1n l\u01b0\u1ee3ng t\u1eed c\u00f3 ti\u1ec1m n\u0103ng gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00ednh to\u00e1n ph\u1ee9c t\u1ea1p v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c thu\u1eadt to\u00e1n t\u00e0i ch\u00ednh v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u01b0a t\u1eebng c\u00f3. M\u1eb7c d\u00f9 v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n ban \u0111\u1ea7u, \u0111i\u1ec7n to\u00e1n l\u01b0\u1ee3ng t\u1eed c\u00f3 c\u00e1c \u1ee9ng d\u1ee5ng trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0, ph\u00e2n t\u00edch r\u1ee7i ro v\u00e0 m\u1eadt m\u00e3, h\u1ee9a h\u1eb9n mang l\u1ea1i nh\u1eefng \u0111\u1ed9t ph\u00e1 trong m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh, m\u00f4 ph\u1ecfng v\u00e0 h\u1ed7 tr\u1ee3 quy\u1ebft \u0111\u1ecbnh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i n\u00e0y \u0111ang th\u00fac \u0111\u1ea9y l\u00e0n s\u00f3ng \u0111\u1ed5i m\u1edbi v\u00e0 \u0111\u1ed9t ph\u00e1 trong t\u00e0i ch\u00ednh, \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh kinh doanh, thay \u0111\u1ed5i tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 m\u1edf ra nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng v\u00e0 hi\u1ec7u qu\u1ea3 trong n\u1ec1n kinh t\u1ebf k\u1ef9 thu\u1eadt s\u1ed1. Khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u1eafm b\u1eaft nh\u1eefng c\u00f4ng ngh\u1ec7 n\u00e0y, h\u1ecd c\u0169ng ph\u1ea3i v\u01b0\u1ee3t qua c\u00e1c th\u00e1ch th\u1ee9c nh\u01b0 quy\u1ec1n ri\u00eang t\u01b0 d\u1eef li\u1ec7u, an ninh m\u1ea1ng, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u00e0 c\u00e2n nh\u1eafc v\u1ec1 \u0111\u1ea1o \u0111\u1ee9c \u0111\u1ec3 ph\u00e1t huy h\u1ebft ti\u1ec1m n\u0103ng c\u1ee7a m\u00ecnh v\u00e0 mang l\u1ea1i gi\u00e1 tr\u1ecb b\u1ec1n v\u1eefng cho kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.<\/span><\/p>\n<p><strong><b>T\u00ecm hi\u1ec3u th\u00eam: <a href=\"https:\/\/ideascale.com\/vi\/viblog\/doi-moi-fintech-la-gi\/\">\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec?<\/a><\/b><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":72,"featured_media":83556,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4437],"tags":[],"contributor":[4618],"class_list":["post-83555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viblog","contributor-nick-jain-vi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, v\u00ed d\u1ee5, chi\u1ebfn l\u01b0\u1ee3c v\u00e0 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i<\/title>\n<meta name=\"description\" content=\"\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 \u1ee9ng d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, c\u00f4ng ngh\u1ec7 ho\u1eb7c quy tr\u00ecnh t\u00e0i ch\u00ednh m\u1edbi \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3, gi\u1ea3m thi\u1ec3u r\u1ee7i ro, t\u1ea1o ra gi\u00e1 tr\u1ecb ho\u1eb7c th\u00edch \u1ee9ng v\u1edbi c\u00e1c y\u00eau c\u1ea7u thay \u0111\u1ed5i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c v\u00ed d\u1ee5, chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ideascale.com\/vi\/viblog\/dinh-nghia-doi-moi-tai-chinh-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, v\u00ed d\u1ee5, chi\u1ebfn l\u01b0\u1ee3c v\u00e0 c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i\" \/>\n<meta property=\"og:description\" content=\"\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 \u1ee9ng d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, c\u00f4ng ngh\u1ec7 ho\u1eb7c quy tr\u00ecnh t\u00e0i ch\u00ednh m\u1edbi \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3, gi\u1ea3m thi\u1ec3u r\u1ee7i ro, t\u1ea1o ra gi\u00e1 tr\u1ecb ho\u1eb7c th\u00edch \u1ee9ng v\u1edbi c\u00e1c y\u00eau c\u1ea7u thay \u0111\u1ed5i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. 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