{"id":4477,"date":"2020-01-09T06:41:03","date_gmt":"2020-01-09T06:41:03","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=4477"},"modified":"2023-10-17T04:43:21","modified_gmt":"2023-10-17T04:43:21","slug":"tai-sao-bat-buoc-tuan-thu-kyc-trong-linh-vuc-tai-chinh-ngan-hang","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/tai-sao-bat-buoc-tuan-thu-kyc-trong-linh-vuc-tai-chinh-ngan-hang\/","title":{"rendered":"B\u1eaft Bu\u1ed9c Tu\u00e2n Th\u1ee7 KYC Trong L\u0129nh V\u1ef1c T\u00e0i Ch\u00ednh Ng\u00e2n H\u00e0ng"},"content":{"rendered":"
B\u1edfi v\u00ec nh\u1eefng k\u1ebb r\u1eeda ti\u1ec1n v\u00e0 t\u1ed9i ph\u1ea1m c\u00f3 xu h\u01b0\u1edbng s\u1eed d\u1ee5ng danh t\u00ednh gi\u1ea3 trong qu\u00e1 tr\u00ecnh l\u1eeba \u0111\u1ea3o. V\u00ec th\u1ebf, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 KYC<\/strong><\/a> \u0111\u1ec3 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/span><\/p>\n <\/p>\n <\/p>\n Y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m \u0111\u1ec3 hi\u1ec3u kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd l\u00e0 ai v\u00e0 lo\u1ea1i giao d\u1ecbch n\u00e0o h\u1ecd th\u1ef1c hi\u1ec7n l\u00e0 m\u1ed9t kh\u00eda c\u1ea1nh quan tr\u1ecdng trong vi\u1ec7c ph\u00f2ng ch\u1ed1ng c\u00e1c h\u00ecnh th\u1ee9c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh b\u1ea5t h\u1ee3p ph\u00e1p, t\u1eeb t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 v\u00e0 tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/p>\n Trong n\u0103m 2016, \u0111\u1ec3 \u0111\u00e1p \u1ee9ng tu\u00e2n th\u1ee7 KYC v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 chi h\u01a1n 100 t\u1ef7 \u0111\u00f4 la v\u00e0 d\u1ef1 \u0111o\u00e1n c\u00e1c chi ph\u00ed tu\u00e2n th\u1ee7 s\u1ebd t\u0103ng t\u1eeb 4% \u0111\u1ebfn 10% v\u00e0o n\u0103m 2021. Tuy nhi\u00ean, theo nghi\u00ean c\u1ee9u c\u1ee7a Fenergo c\u0169ng \u0111\u00e3 c\u00f3 g\u1ea7n 26 t\u1ef7 \u0111\u00f4 b\u1ecb ph\u1ea1t \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng kh\u00f4ng tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a AML v\u00e0 KYC trong th\u1eadp k\u1ef7 qua.<\/span><\/p>\n >> Xem th\u00eam: \u201cL\u1ee3i \u00edch khi \u1ee9ng d\u1ee5ng KYC v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng<\/b><\/a>\u201d<\/b><\/p>\n <\/p>\n <\/p>\n \u0110\u1ec3 l\u00e0m r\u00f5 v\u00e0 t\u0103ng c\u01b0\u1eddng c\u00e1c y\u00eau c\u1ea7u CDD v\u00e0 \u0111\u00e1p \u1ee9ng KYC trong ng\u00e2n h\u00e0ng<\/strong><\/a> v\u00e0 t\u00e0i ch\u00ednh,\u00a0 \u0111\u00e3 <\/span>FinCEN<\/b><\/a> n\u00eau ra b\u1ed1n y\u1ebfu t\u1ed1 t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft cho m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh hi\u1ec7u qu\u1ea3.\u00a0<\/span><\/p>\n <\/p>\n C\u00e1c b\u01b0\u1edbc x\u00e1c minh ID kh\u00e1ch h\u00e0ng<\/em><\/p>\n <\/p>\n <\/p>\n \u0110\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u KYC<\/strong><\/a> n\u00e0y, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng ph\u1ea3i thu th\u1eadp v\u00e0 x\u00e1c minh th\u00f4ng tin nh\u1eadn d\u1ea1ng khi c\u00f2n l\u00e0 kh\u00e1ch h\u00e0ng m\u1edbi. C\u00e1c y\u00eau c\u1ea7u kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n hay kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p.<\/span><\/p>\n <\/p>\n X\u00e1c minh danh t\u00ednh khi \u0111ang c\u00f2n l\u00e0 kh\u00e1ch h\u00e0ng m\u1edbi<\/em><\/p>\n <\/p>\n Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111\u1ebfn ng\u00e2n h\u00e0ng tr\u1ef1c ti\u1ebfp s\u1ebd mang theo m\u1ed9t s\u1ed1 b\u1eb1ng ch\u1ee9ng nh\u1eadn d\u1ea1ng, ch\u1eb3ng h\u1ea1n nh\u01b0 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n do ch\u00ednh ph\u1ee7 c\u1ea5p (v\u00ed d\u1ee5: b\u1eb1ng l\u00e1i xe, h\u1ed9 chi\u1ebfu, ID), b\u1eb1ng ch\u1ee9ng \u0111\u1ecba ch\u1ec9 v\u00e0 b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec kh\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cho giao d\u1ecbch. Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ki\u1ec3m tra t\u00e0i li\u1ec7u \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ch\u1eafc ch\u1eafn r\u1eb1ng nh\u1eefng th\u00f4ng tin \u0111\u00f3 l\u00e0 ch\u00ednh x\u00e1c. \u0110\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n doanh nghi\u1ec7p, c\u1ea7n c\u00f3 th\u00eam th\u00f4ng tin x\u00e1c minh danh t\u00ednh c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu (v\u00ed d\u1ee5: gi\u1ea5y ph\u00e9p \u0111\u0103ng k\u00ed kinh doanh) v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh (v\u00ed d\u1ee5: b\u00e1o c\u00e1o l\u00e3i l\u1ed7).<\/span><\/p>\n C\u00e1c quy tr\u00ecnh n\u00e0y ph\u1ee9c t\u1ea1p h\u01a1n nhi\u1ec1u khi kh\u00e1ch h\u00e0ng t\u1ea1o t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn. B\u00e2y gi\u1edd c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i x\u00e1c minh r\u1eb1ng danh t\u00ednh k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p v\u1edbi danh t\u00ednh th\u1ef1c t\u1ebf.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n Trong h\u01b0\u1edbng d\u1eabn c\u1ee7a Proofing and Corroboration n\u0103m 2019, Gartner khuy\u1ebfn ngh\u1ecb c\u00e1c t\u1ed5 ch\u1ee9c h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 x\u00e1c minh t\u0129nh nh\u01b0 m\u1eadt kh\u1ea9u ho\u1eb7c c\u00e2u h\u1ecfi b\u1ea3o m\u1eadt.<\/span><\/p>\n Thay v\u00e0o \u0111\u00f3, h\u1ecd \u0111\u1ec1 ngh\u1ecb c\u00e1c t\u1ed5 ch\u1ee9c chuy\u1ec3n sang sinh tr\u1eafc h\u1ecdc \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u00e1 nh\u00e2n ho\u1eb7c <\/span>eKYC<\/b><\/a>. C\u00f4ng ngh\u1ec7 x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc s\u1eed d\u1ee5ng d\u1ea5u v\u00e2n tay, khu\u00f4n m\u1eb7t \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u1eb1m t\u0103ng c\u01b0\u1eddng ph\u00f2ng th\u1ee7 ch\u1ed1ng gian l\u1eadn tr\u1ef1c tuy\u1ebfn v\u00e0 duy tr\u00ec tu\u00e2n th\u1ee7 AML v\u00e0 KYC.<\/span><\/p>\n <\/p>\n X\u00e1c minh b\u1eb1ng sinh tr\u1eafc h\u1ecdc \u0111ang l\u00e0 ph\u01b0\u01a1ng th\u1ee9c x\u00e1c minh trong ng\u00e0nh t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng v\u00e0 v\u1eeba \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 KYC<\/em><\/p>\n <\/p>\n Nh\u1eefng c\u00f4ng ngh\u1ec7 n\u00e0y kh\u00f4ng ch\u1ec9 t\u1ea1o d\u1ef1ng ni\u1ec1m tin gi\u1eefa c\u00e1c kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n t\u1ea1o ra tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch, hi\u1ec7u qu\u1ea3. \u0110\u1eb7c bi\u1ec7t, \u00a0eKYC Vi\u1ec7t Nam<\/strong><\/a>\u00a0 c\u0169ng \u0111ang tr\u00ean \u0111\u01b0\u1eddng t\u00ecm ki\u1ebfm qui tr\u00ecnh \u0111\u1ec3 x\u00e2y d\u1ef1ng ph\u00e1p l\u00fd ho\u00e0n ch\u1ec9nh v\u00e0 c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng n\u00f3 c\u00e0ng nhanh c\u00e0ng t\u1ed1t v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i.<\/span><\/p>\n <\/p>\nT\u1ea1i sao b\u1eaft bu\u1ed9c tu\u00e2n th\u1ee7 KYC?<\/b><\/h2>\n
Quy tr\u00ecnh KYC<\/b> \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/b><\/h2>\n
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Nh\u1eefng y\u00eau c\u1ea7u t\u1eeb kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng?<\/b><\/h2>\n
C\u00f4ng ngh\u1ec7 tu\u00e2n th\u1ee7 KYC<\/b><\/h2>\n