{"id":12628,"date":"2026-05-03T22:00:24","date_gmt":"2026-05-03T15:00:24","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/6-hanh-vi-bi-cam-trong-hoat-dong-thanh-toan-ngan-hang-va-ranh-gioi-phap-ly\/"},"modified":"2026-05-03T22:00:24","modified_gmt":"2026-05-03T15:00:24","slug":"6-hanh-vi-bi-cam-trong-hoat-dong-thanh-toan-ngan-hang-va-ranh-gioi-phap-ly","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/6-hanh-vi-bi-cam-trong-hoat-dong-thanh-toan-ngan-hang-va-ranh-gioi-phap-ly\/","title":{"rendered":"6 h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng v\u00e0 ranh gi\u1edbi ph\u00e1p l\u00fd"},"content":{"rendered":"
\n

Trong k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a n\u1ec1n kinh t\u1ebf, c\u00e1c h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 nh\u1eefng kh\u00e1i ni\u1ec7m l\u00fd thuy\u1ebft n\u1eb1m tr\u00ean v\u0103n b\u1ea3n lu\u1eadt, m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh h\u00e0ng r\u00e0o k\u1ef9 thu\u1eadt then ch\u1ed1t \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh qu\u1ed1c gia. Khi d\u00f2ng ch\u1ea3y ti\u1ec1n t\u1ec7 ng\u00e0y c\u00e0ng lu\u00e2n chuy\u1ec3n m\u1ea1nh m\u1ebd qua c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1, vi\u1ec7c nh\u1eadn di\u1ec7n v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c chu\u1ea9n m\u1ef1c \u0111\u1ea1o \u0111\u1ee9c l\u1eabn ph\u00e1p l\u00fd trong l\u0129nh v\u1ef1c thanh to\u00e1n tr\u1edf th\u00e0nh y\u00eau c\u1ea7u ti\u00ean quy\u1ebft \u0111\u1ed1i v\u1edbi m\u1ecdi ch\u1ee7 th\u1ec3 tham gia. \u0110\u00e1ng ch\u00fa \u00fd, b\u1ea5t k\u1ef3 s\u1ef1 l\u1ec7ch l\u1ea1c n\u00e0o so v\u1edbi khung kh\u1ed5 ph\u00e1p lu\u1eadt \u0111\u1ec1u c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1ec7 l\u1ee5y kh\u00f4n l\u01b0\u1eddng, t\u1eeb c\u00e1c ch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh nghi\u00eam kh\u1eafc \u0111\u1ebfn c\u00e1c r\u1ee7i ro ph\u00e1p l\u00fd mang t\u00ednh h\u00ecnh s\u1ef1.<\/p>\n

\n \"6
\u1ea2nh t\u1eeb ngu\u1ed3n: vietnamnet.vn<\/em><\/figcaption><\/figure>\n

B\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a 6 h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n<\/h2>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 m\u1ea1ch m\u00e1u c\u1ee7a n\u1ec1n kinh t\u1ebf, v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n ch\u00ednh l\u00e0 c\u00e1c van \u0111i\u1ec1u ti\u1ebft ng\u0103n ch\u1eb7n nh\u1eefng “c\u1ee5c m\u00e1u \u0111\u00f4ng” c\u00f3 th\u1ec3 g\u00e2y t\u1eafc ngh\u1ebdn ho\u1eb7c l\u00e0m t\u1ed5n th\u01b0\u01a1ng c\u1ea5u tr\u00fac t\u00e0i ch\u00ednh. Khi xem x\u00e9t 6 h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng, ch\u00fang ta kh\u00f4ng ch\u1ec9 th\u1ea5y nh\u1eefng ch\u1ebf t\u00e0i mang t\u00ednh r\u0103n \u0111e, m\u00e0 c\u00f2n th\u1ea5y r\u00f5 s\u1ef1 nghi\u00eam minh trong vi\u1ec7c ki\u1ec3m so\u00e1t c\u00e1c d\u00f2ng ti\u1ec1n \u0111i qua nh\u1eefng n\u1ec1n t\u1ea3ng v\u1ed1n \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd nh\u01b0 c\u00e1ch m\u00e0 c\u00f4ng ngh\u1ec7 n\u0103ng l\u01b0\u1ee3ng \u0111ang l\u00e0m thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i to\u00e0n c\u1ea7u, \u0111i\u1ec3n h\u00ecnh nh\u01b0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a \u0111i\u1ec7n gi\u00f3 ngo\u00e0i kh\u01a1i: Nh\u1eefng c\u1ed7 m\u00e1y kh\u1ed5ng l\u1ed3 thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i n\u0103ng l\u01b0\u1ee3ng<\/a>. S\u1ef1 t\u01b0\u01a1ng \u0111\u1ed3ng n\u1eb1m \u1edf ch\u1ed7, d\u00f9 l\u00e0 n\u0103ng l\u01b0\u1ee3ng hay t\u00e0i ch\u00ednh, s\u1ef1 thi\u1ebfu ki\u1ec3m so\u00e1t \u0111\u1ec1u d\u1eabn \u0111\u1ebfn nh\u1eefng b\u1ea5t \u1ed5n kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n

C\u00e1c h\u00e0nh vi n\u00e0y bao g\u1ed3m nh\u1eefng gian l\u1eadn trong thanh to\u00e1n, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 thanh to\u00e1n tr\u00e1i ph\u00e9p, hay s\u1ef1 thi\u1ebfu minh b\u1ea1ch trong c\u00e1c giao d\u1ecbch mang t\u00ednh h\u1ec7 th\u1ed1ng. Vi\u1ec7c si\u1ebft ch\u1eb7t c\u00e1c h\u00e0nh vi vi ph\u1ea1m kh\u00f4ng ch\u1ec9 l\u00e0 h\u00e0nh \u0111\u1ed9ng mang t\u00ednh qu\u1ea3n tr\u1ecb r\u1ee7i ro \u0111\u01a1n thu\u1ea7n, m\u00e0 c\u00f2n l\u00e0 n\u1ed7 l\u1ef1c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 cu\u1ed9c \u0111\u1ed1i \u0111\u1ea7u gi\u1eefa c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 trong b\u00e0i vi\u1ebft si\u1ebft m\u1ee9c chi\u1ebft kh\u1ea5u Grab t\u1ea1i \u0110\u00f4ng Nam \u00c1: Cu\u1ed9c \u0111\u1ed1i \u0111\u1ea7u gi\u1eefa qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u00e0 n\u1ec1n t\u1ea3ng s\u1ed1<\/a>, c\u00e2u chuy\u1ec7n thanh to\u00e1n ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3n \u00e1nh s\u1ef1 va ch\u1ea1m gi\u1eefa t\u1ed1c \u0111\u1ed9 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 \u0111\u1ed9 tr\u1ec5 c\u1ee7a h\u00e0nh lang ph\u00e1p l\u00fd, n\u01a1i m\u00e0 m\u1ed7i c\u00e1 nh\u00e2n \u0111\u1ec1u c\u1ea7n ph\u1ea3i t\u1ef1 trang b\u1ecb ki\u1ebfn th\u1ee9c \u0111\u1ec3 tr\u00e1nh r\u01a1i v\u00e0o v\u00f2ng lao l\u00fd.<\/p>\n

H\u1ec7 l\u1ee5y t\u1eeb nh\u1eefng vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng<\/h2>\n

Khi nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, vi\u1ec7c vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf m\u1ee9c ph\u1ea1t ti\u1ec1n l\u00ean t\u1edbi 150 tri\u1ec7u \u0111\u1ed3ng. \u0110\u00f3 l\u00e0 nh\u1eefng v\u1ebft s\u1eb9o uy t\u00edn \u0111\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c hay c\u00e1 nh\u00e2n n\u00e0o tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng. Trong m\u1ed9t th\u1ebf gi\u1edbi ph\u1eb3ng, n\u01a1i s\u1ef1 t\u1ef1 ch\u1ee7 \u0111\u01b0\u1ee3c xem l\u00e0 ch\u00eca kh\u00f3a th\u00e0nh c\u00f4ng nh\u01b0 c\u00e1ch c\u00e1c qu\u1ed1c gia \u0111ang n\u1ed7 l\u1ef1c \u0111\u1ea1t \u0111\u01b0\u1ee3c trong an ninh l\u01b0\u01a1ng th\u1ef1c Trung Qu\u1ed1c v\u00e0 v\u00e1n b\u00e0i t\u1ef1 ch\u1ee7 n\u00f4ng s\u1ea3n to\u00e0n c\u1ea7u<\/a>, th\u00ec s\u1ef1 minh b\u1ea1ch trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u00ednh l\u00e0 b\u1ec7 \u0111\u1ee1 cho s\u1ef1 t\u1ef1 ch\u1ee7 kinh t\u1ebf \u0111\u00f3. B\u1ea5t k\u1ef3 h\u00e0nh vi l\u00e1ch lu\u1eadt n\u00e0o c\u0169ng \u0111\u1ec1u \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi tinh th\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t m\u00f4i tr\u01b0\u1eddng t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh v\u00e0 an to\u00e0n cho c\u1ed9ng \u0111\u1ed3ng.<\/p>\n

Nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 qu\u1ea3n tr\u1ecb, 6 h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng l\u00e0 l\u1eddi c\u1ea3nh t\u1ec9nh v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng. Trong c\u00e1c v\u0103n ph\u00f2ng t\u1eadp \u0111o\u00e0n hay c\u00e1c ph\u00f2ng h\u1ecdp boardroom chuy\u00ean nghi\u1ec7p, vi\u1ec7c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt thanh to\u00e1n \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean v\u1ecb tr\u00ed \u01b0u ti\u00ean cao nh\u1ea5t, xem \u0111\u00f3 nh\u01b0 m\u1ed9t ph\u1ea7n t\u1ea5t y\u1ebfu c\u1ee7a qu\u1ea3n tr\u1ecb r\u1ee7i ro. Vi\u1ec7c hi\u1ec3u r\u00f5 ranh gi\u1edbi gi\u1eefa \u0111\u00fang v\u00e0 sai, gi\u1eefa \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 b\u1ecb c\u1ea5m, ch\u00ednh l\u00e0 b\u01b0\u1edbc \u0111i \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng d\u00f2ng ti\u1ec1n c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n hay t\u1ed5 ch\u1ee9c lu\u00f4n n\u1eb1m trong v\u00f9ng an to\u00e0n, kh\u00f4ng b\u1ecb t\u1ed5n h\u1ea1i b\u1edfi c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt d\u00f9 l\u00e0 v\u00f4 t\u00ecnh hay h\u1eefu \u00fd.<\/p>\n

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

Trong k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a n\u1ec1n kinh t\u1ebf, c\u00e1c h\u00e0nh vi b\u1ecb c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 nh\u1eefng kh\u00e1i ni\u1ec7m l\u00fd thuy\u1ebft n\u1eb1m tr\u00ean v\u0103n b\u1ea3n lu\u1eadt, m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh h\u00e0ng r\u00e0o k\u1ef9 thu\u1eadt then ch\u1ed1t \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh […]<\/p>\n","protected":false},"author":1,"featured_media":12627,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-12628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-doanh-nghiep-va-doanh-nhan"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12628","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=12628"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12628\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/12627"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=12628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=12628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=12628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}