{"id":12618,"date":"2026-05-03T21:56:32","date_gmt":"2026-05-03T14:56:32","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/su-lua-chon-ngan-hang-trong-long-cu-tri-my-giua-ky-nguyen-tai-chinh-so\/"},"modified":"2026-05-03T21:56:32","modified_gmt":"2026-05-03T14:56:32","slug":"su-lua-chon-ngan-hang-trong-long-cu-tri-my-giua-ky-nguyen-tai-chinh-so","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/su-lua-chon-ngan-hang-trong-long-cu-tri-my-giua-ky-nguyen-tai-chinh-so\/","title":{"rendered":"S\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng trong l\u00f2ng c\u1eed tri M\u1ef9 gi\u1eefa k\u1ef7 nguy\u00ean t\u00e0i ch\u00ednh s\u1ed1"},"content":{"rendered":"
\n
\n \"S\u1ef1
\u1ea2nh t\u1eeb ngu\u1ed3n: coindesk.com<\/em><\/figcaption><\/figure>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0 d\u00f9 ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c khai sinh nh\u01b0 m\u1ed9t l\u1eddi gi\u1ea3i thay th\u1ebf cho nh\u1eefng b\u1ea5t \u1ed5n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, sau g\u1ea7n hai th\u1eadp k\u1ef7, c\u00f4ng ch\u00fang M\u1ef9 v\u1eabn duy tr\u00ec s\u1ef1 trung th\u00e0nh b\u1ec1n b\u1ec9 v\u1edbi c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Nh\u1eefng d\u1eef li\u1ec7u m\u1edbi nh\u1ea5t t\u1eeb kh\u1ea3o s\u00e1t c\u1ee7a CoinDesk cho th\u1ea5y s\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng c\u1ee7a c\u1eed tri M\u1ef9 v\u1eabn \u00e1p \u0111\u1ea3o ho\u00e0n to\u00e0n so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn t\u00e0i ch\u00ednh phi t\u1eadp trung, ph\u1ea3n \u00e1nh m\u1ed9t “h\u1ed1 ng\u0103n c\u00e1ch” l\u1edbn v\u1ec1 ni\u1ec1m tin gi\u1eefa c\u00f4ng ngh\u1ec7 m\u1edbi v\u00e0 th\u00f3i quen ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh qua nhi\u1ec1u th\u1ebf h\u1ec7.<\/p>\n

S\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng v\u00e0 r\u00e0o c\u1ea3n t\u00e2m l\u00fd \u0111\u1ed1i v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/h2>\n

Khi \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 n\u01a1i \u0111\u1eb7t ni\u1ec1m tin \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t t\u1eeb 1.000 c\u1eed tri M\u1ef9 mang l\u1ea1i con s\u1ed1 \u0111\u1ea7y \u00e1p l\u1ef1c cho ng\u00e0nh crypto: 65% ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u01b0u ti\u00ean l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng, trong khi ch\u1ec9 v\u1ecfn v\u1eb9n 5% ch\u1ecdn ti\u1ec1n \u0111i\u1ec7n t\u1eed. S\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 l\u00e0 th\u00f3i quen, m\u00e0 c\u00f2n xu\u1ea5t ph\u00e1t t\u1eeb n\u1ed7i e ng\u1ea1i v\u1ec1 nh\u1eefng r\u1ee7i ro \u0111i k\u00e8m v\u1edbi t\u00e0i s\u1ea3n s\u1ed1. D\u00f9 h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi tham gia (52%) th\u1eeba nh\u1eadn crypto kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t tr\u00e0o l\u01b0u nh\u1ea5t th\u1eddi, nh\u01b0ng c\u00f3 \u0111\u1ebfn 60% v\u1eabn xem \u0111\u00e2y l\u00e0 m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng ti\u00eau c\u1ef1c \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf. S\u1ef1 thi\u1ebfu tin t\u01b0\u1edfng n\u00e0y t\u1ea1o ra m\u1ed9t v\u00f2ng l\u1eb7p kh\u00f3 kh\u0103n cho c\u00e1c \u0111\u01a1n v\u1ecb v\u1eadn h\u00e0nh trong h\u1ec7 sinh th\u00e1i s\u1ed1, khi ngay c\u1ea3 vi\u1ec7c c\u1eadp nh\u1eadt tin t\u1ee9c c\u0169ng kh\u00f4ng gi\u00fap c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 c\u00e1i nh\u00ecn c\u1ee7a c\u00f4ng ch\u00fang.<\/p>\n

Trong b\u1ed1i c\u1ea3nh c\u00e1c cu\u1ed9c tranh lu\u1eadn v\u1ec1 ch\u00ednh s\u00e1ch \u0111ang n\u00f3ng l\u00ean tr\u01b0\u1edbc th\u1ec1m b\u1ea7u c\u1eed gi\u1eefa k\u1ef3 n\u0103m 2026, m\u1ed1i quan h\u1ec7 gi\u1eefa c\u1eed tri M\u1ef9 v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a t\u00ecm \u0111\u01b0\u1ee3c \u0111i\u1ec3m chung. Nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch trong b\u00e0i vi\u1ebft v\u1ec1 \u01b0u ti\u00ean c\u1eed tri M\u1ef9 v\u00e0 v\u1ecb th\u1ebf c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed trong k\u1ef3 b\u1ea7u c\u1eed<\/a>, v\u1ecb th\u1ebf c\u1ee7a ng\u00e0nh n\u00e0y trong ch\u01b0\u01a1ng tr\u00ecnh ngh\u1ecb s\u1ef1 v\u1eabn c\u00f2n khi\u00eam t\u1ed1n. S\u1ef1 ho\u00e0i nghi kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb ng\u01b0\u1eddi d\u00f9ng ph\u1ed5 th\u00f4ng m\u00e0 c\u00f2n ph\u1ea3n \u00e1nh s\u1ef1 th\u1eadn tr\u1ecdng trong gi\u1edbi ch\u00ednh tr\u1ecb, n\u01a1i c\u00e1c \u0111\u1ea1o lu\u1eadt v\u1ec1 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 \u0110\u1ea1o lu\u1eadt Minh b\u1ea1ch Th\u1ecb tr\u01b0\u1eddng T\u00e0i s\u1ea3n S\u1ed1 \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 ph\u1ea3n \u0111\u1ed1i t\u1eeb ch\u00ednh ng\u00e0nh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 ph\u00e2n h\u00f3a ni\u1ec1m tin trong n\u1ec1n kinh t\u1ebf s\u1ed1<\/h2>\n

S\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng hay crypto c\u00f2n \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn qua l\u0103ng k\u00ednh nh\u00e2n kh\u1ea9u h\u1ecdc. Nh\u1eefng ng\u01b0\u1eddi tr\u00ean 45 tu\u1ed5i th\u01b0\u1eddng th\u1ec3 hi\u1ec7n s\u1ef1 ho\u00e0i nghi cao \u0111\u1ed9, trong khi nam gi\u1edbi v\u00e0 c\u00e1c nh\u00f3m c\u1eed tri tr\u1ebb tu\u1ed5i c\u00f3 c\u00e1i nh\u00ecn c\u1edfi m\u1edf h\u01a1n. \u0110\u00e1ng ch\u00fa \u00fd, nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 s\u1edf h\u1eefu ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u1ea1i c\u00f3 xu h\u01b0\u1edbng \u1ee7ng h\u1ed9 c\u1ea3 c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), v\u1edbi 64% kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng l\u1ee3i \u00edch c\u1ee7a AI x\u1ee9ng \u0111\u00e1ng v\u1edbi nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u1ed3n t\u1ea1i m\u1ed9t “c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi d\u00f9ng” c\u00f3 DNA c\u00f4ng ngh\u1ec7, t\u00e1ch bi\u1ec7t h\u1eb3n v\u1edbi nh\u00f3m \u0111\u1ea1i ch\u00fang v\u1eabn coi tr\u1ecdng s\u1ef1 an to\u00e0n tuy\u1ec7t \u0111\u1ed1i c\u1ee7a m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

Trong khi c\u00e1c \u00f4ng l\u1edbn c\u00f4ng ngh\u1ec7 \u0111\u00e3 nhanh ch\u00f3ng t\u00edch h\u1ee3p thu\u1eadt to\u00e1n v\u00e0o m\u1ecdi kh\u00e2u v\u1eadn h\u00e0nh, s\u1ef1 ho\u00e0i nghi c\u1ee7a ng\u01b0\u1eddi d\u00e2n M\u1ef9 v\u1ec1 AI v\u00e0 crypto \u0111ang t\u1ea1o ra m\u1ed9t kho\u1ea3ng c\u00e1ch l\u1edbn v\u1ec1 s\u1ef1 ch\u1ea5p nh\u1eadn c\u1ee7a x\u00e3 h\u1ed9i. Vi\u1ec7c c\u00e1c doanh nghi\u1ec7p \u0111ang thay \u0111\u1ed5i c\u00e1ch th\u1ee9c kinh doanh, t\u1eeb nh\u1eefng gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 cao \u0111\u1ebfn nh\u1eefng m\u00f4 h\u00ecnh mang t\u00ednh c\u00e1 nh\u00e2n h\u00f3a nh\u01b0 digital polaroids v\u00e0 s\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a c\u00f4ng ngh\u1ec7 E-Ink<\/a>, cho th\u1ea5y t\u1ed1c \u0111\u1ed9 \u0111\u1ed5i m\u1edbi kh\u00f4ng ch\u1edd \u0111\u1ee3i s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a \u0111\u00e1m \u0111\u00f4ng. Tuy nhi\u00ean, v\u1edbi ng\u00e0nh ti\u1ec1n \u0111i\u1ec7n t\u1eed, vi\u1ec7c thi\u1ebfu \u0111i “gi\u1ea5y th\u00f4ng h\u00e0nh” t\u1eeb c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd li\u00ean bang \u0111ang khi\u1ebfn n\u00f3 tr\u1edf n\u00ean \u0111\u01a1n \u0111\u1ed9c trong m\u1eaft c\u00f4ng ch\u00fang.<\/p>\n

T\u01b0\u01a1ng lai c\u1ee7a s\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng trong m\u1eaft nh\u00e0 qu\u1ea3n l\u00fd<\/h2>\n

Ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 l\u1eadp lu\u1eadn r\u1eb1ng vi\u1ec7c trao quy\u1ec1n cho c\u00e1c t\u00e0i s\u1ea3n s\u1ed1, \u0111\u1eb7c bi\u1ec7t l\u00e0 stablecoin, c\u00f3 th\u1ec3 \u0111e d\u1ecda tr\u1ef1c ti\u1ebfp \u0111\u1ebfn d\u00f2ng v\u1ed1n huy \u0111\u1ed9ng v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng M\u1ef9. Nh\u1eefng tranh c\u00e3i n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 nh\u1eefng d\u00f2ng tin t\u1ee9c \u0111\u01a1n thu\u1ea7n m\u00e0 c\u00f2n tr\u1ef1c ti\u1ebfp t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u1ed9 tr\u00ecnh th\u00f4ng qua c\u00e1c \u0111\u1ea1o lu\u1eadt quan tr\u1ecdng trong th\u00e1ng 5 t\u1edbi. D\u00f9 v\u1eady, nh\u1eefng d\u1eef li\u1ec7u v\u1ec1 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u1eabn cho th\u1ea5y s\u1ef1 ki\u00ean c\u01b0\u1eddng, v\u00ed nh\u01b0 vi\u1ec7c Bitcoin ti\u1ebfn t\u1edbi 80.000 USD<\/a> \u0111ang l\u00e0 m\u1ed9t minh ch\u1ee9ng cho th\u1ea5y s\u1ef1 quan t\u00e2m c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u1eabn kh\u00f4ng h\u1ec1 suy gi\u1ea3m, b\u1ea5t ch\u1ea5p s\u1ef1 th\u1eadn tr\u1ecdng trong c\u00e1c cu\u1ed9c th\u0103m d\u00f2 \u00fd ki\u1ebfn c\u1eed tri.<\/p>\n

Nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, s\u1ef1 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng c\u1ee7a c\u1eed tri kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf v\u1ea5n \u0111\u1ec1 an to\u00e0n t\u00e0i ch\u00ednh, m\u00e0 c\u00f2n l\u00e0 s\u1ef1 ph\u1ea3n \u00e1nh v\u0103n h\u00f3a v\u1ec1 c\u00e1ch m\u1ed9t qu\u1ed1c gia v\u1eadn h\u00e0nh d\u00f2ng ti\u1ec1n. Crypto v\u1eabn c\u1ea7n th\u00eam nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 ch\u1ee9ng minh n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng ph\u00e1 v\u1ee1, m\u00e0 l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 thi\u1ebfu c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i. V\u1edbi vi\u1ec7c c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd d\u01b0\u1edbi th\u1eddi ch\u00ednh quy\u1ec1n T\u1ed5ng th\u1ed1ng Donald Trump cam k\u1ebft th\u00fac \u0111\u1ea9y t\u00edch h\u1ee3p t\u00e0i s\u1ea3n s\u1ed1 v\u00e0o d\u00f2ng ch\u1ea3y ch\u00ednh, ch\u00fang ta s\u1ebd s\u1edbm th\u1ea5y \u0111\u01b0\u1ee3c li\u1ec7u kho\u1ea3ng c\u00e1ch n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c thu h\u1eb9p hay s\u1ebd m\u00e3i l\u00e0 m\u1ed9t h\u1ed1 ng\u0103n c\u00e1ch kh\u00f4ng th\u1ec3 san l\u1ea5p gi\u1eefa c\u0169 v\u00e0 m\u1edbi.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: coindesk.com<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u1ea2nh t\u1eeb ngu\u1ed3n: coindesk.com Th\u1ef1c t\u1ebf cho th\u1ea5y m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0 d\u00f9 ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c khai sinh nh\u01b0 m\u1ed9t l\u1eddi gi\u1ea3i thay th\u1ebf cho nh\u1eefng b\u1ea5t \u1ed5n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, sau g\u1ea7n hai th\u1eadp k\u1ef7, c\u00f4ng ch\u00fang M\u1ef9 v\u1eabn duy tr\u00ec […]<\/p>\n","protected":false},"author":1,"featured_media":12617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-12618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-va-web3"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=12618"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12618\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/12617"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=12618"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=12618"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=12618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}