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LTS: <\/b>TS. C\u1ea5n V\u0103n L\u1ef1c v\u00e0 Nh\u00f3m t\u00e1c gi\u1ea3 Vi\u1ec7n \u0110\u00e0o t\u1ea1o v\u00e0 Nghi\u00ean c\u1ee9u BIDV v\u1eeba c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o nghi\u00ean c\u1ee9u v\u1ec1 \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 Libra c\u1ee7a Facebook v\u00e0 \u0111\u01b0a ra c\u00e1c ki\u1ebfn ngh\u1ecb \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam.\u00a0<\/b><\/i>Ch\u00fang t\u00f4i xin \u0111\u0103ng t\u1ea3i nguy\u00ean v\u0103n b\u00e1o c\u00e1o \u0111\u1ec3 qu\u00fd \u0111\u1ed9c gi\u1ea3 c\u00f9ng theo d\u00f5i<\/i><\/p>\n
\u0110\u1ed3ng ti\u1ec1n k\u1ef9 th\u1eadt s\u1ed1 Libra l\u00e0 g\u00ec?<\/b><\/p>\n
\u0110\u01b0\u1ee3c gi\u1edbi thi\u1ec7u ng\u00e0y 18\/6\/2019 b\u1edfi Facebook v\u00e0 27 t\u1ed5 ch\u1ee9c \u0111\u1ed3ng s\u00e1ng l\u1eadp kh\u00e1c, Libra l\u00e0 t\u00ean g\u1ecdi c\u1ee7a m\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, d\u1ef1 ki\u1ebfn \u0111\u01b0\u1ee3c t\u1ea1o ra t\u1eeb kh\u1ed1i chu\u1ed7i (blockchain), \u0111\u01b0\u1ee3c cho l\u00e0 c\u00f3 m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p, \u0111\u1ed9 an to\u00e0n cao h\u01a1n so v\u1edbi c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 hi\u1ec7n nay (nh\u01b0 Bitcoin, Etherum\u2026), ra \u0111\u1eddi v\u1edbi m\u1ee5c \u0111\u00edch t\u1ea1o ra m\u1ed9t h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh v\u00e0 ti\u1ec1n t\u1ec7 to\u00e0n c\u1ea7u \u0111\u01a1n gi\u1ea3n, d\u1ec5 ti\u1ebfp c\u1eadn v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng cho h\u00e0ng t\u1ef7 ng\u01b0\u1eddi.<\/p>\n
Theo S\u00e1ch tr\u1eafng v\u1ec1 Libra (g\u1ecdi t\u1eaft l\u00e0 S\u00e1ch tr\u1eafng), d\u1ef1 \u00e1n n\u00e0y h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c t\u1ea1o ra m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n h\u01a1n, v\u1edbi m\u1ee5c ti\u00eau ban \u0111\u1ea7u l\u00e0 gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ee7a nh\u1eefng c\u00e1 nh\u00e2n (\u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 ngh\u00e8o h\u01a1n nh\u01b0ng l\u1ea1i \u0111ang ph\u1ea3i chi tr\u1ea3 nhi\u1ec1u h\u01a1n cho c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 kho\u1ea3ng 1,7 t\u1ef7 ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh tr\u00ean to\u00e0n c\u1ea7u hi\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, c\u0169ng nh\u01b0 nh\u1eefng ng\u01b0\u1eddi \u0111ang v\u00e0 s\u1ebd d\u00f9ng facebook) v\u00e0 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p nh\u1ecf, si\u00eau nh\u1ecf tham gia kinh doanh, qu\u1ea3ng c\u00e1o tr\u00ean facebook. Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 h\u00ecnh dung, n\u1ebfu \u0111\u01b0\u1ee3c c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd ch\u1ea5p nh\u1eadn, s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n n\u00e0y \u0111\u1ec3 giao d\u1ecbch thanh to\u00e1n (v\u00e0 c\u00f3 th\u1ec3 nhi\u1ec1u m\u1ee5c \u0111\u00edch kh\u00e1c) tr\u00ean to\u00e0n c\u1ea7u c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn tr\u00ean 2 t\u1ef7 ng\u01b0\u1eddi!<\/p>\n
Libra c\u00f3 3 \u0111\u1eb7c \u0111i\u1ec3m quan tr\u1ecdng: (i) \u0110\u01b0\u1ee3c t\u1ea1o ra tr\u00ean n\u1ec1n t\u1ea3ng m\u1ed9t chu\u1ed7i kh\u1ed1i c\u00f3 ph\u00e2n quy\u1ec1n (“permissioned”, ngh\u0129a l\u00e0 ch\u1ec9 nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c \u1ee7y th\u00e1c m\u1edbi c\u00f3 th\u1ec3 theo d\u00f5i \u0111\u01b0\u1ee3c chu\u1ed7i kh\u1ed1i\/s\u1ed5 c\u00e1i n\u00e0y); theo \u0111\u00f3, c\u00e1c giao d\u1ecbch thanh to\u00e1n b\u1eb1ng \u0111\u1ed3ng Libra s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean kh\u1ed1i chu\u1ed7i n\u00e0y (“Libra Blockchain”); v\u00ec th\u1ebf \u0111\u01b0\u1ee3c cho l\u00e0 an to\u00e0n, c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng v\u00e0 \u0111\u00e1ng tin c\u1eady h\u01a1n c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 th\u00f4ng th\u01b0\u1eddng kh\u00e1c; (ii) \u0110\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o (hay neo) b\u1edfi m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n \u00edt bi\u1ebfn \u0111\u1ed9ng nh\u01b0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, ch\u1ee9ng kho\u00e1n ch\u00ednh ph\u1ee7 \u2026; v\u00e0 (iii) \u0110\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi Hi\u1ec7p h\u1ed9i Libra \u0111\u1ed9c l\u1eadp c\u00f3 nhi\u1ec7m v\u1ee5 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i thanh to\u00e1n v\u00e0 t\u00e1ch bi\u1ec7t ho\u1ea1t \u0111\u1ed9ng \u0111\u0103ng tin tr\u00ean facebook th\u00f4ng th\u01b0\u1eddng v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n b\u1eb1ng \u0111\u1ed3ng Libra n\u00e0y.\u00a0<\/p>\n
Hi\u1ec7n nay c\u00f3 t\u1ea5t c\u1ea3 l\u00e0 28 th\u00e0nh vi\u00ean (k\u1ec3 c\u1ea3 Facebook) v\u00e0 m\u1ed7i th\u00e0nh vi\u00ean g\u00f3p v\u1ed1n ban \u0111\u1ea7u l\u00e0 10 tri\u1ec7u USD, v\u1edbi quy\u1ec1n bi\u1ec3u quy\u1ebft t\u01b0\u01a1ng \u1ee9ng, v\u00e0 nh\u1eadn “c\u1ed5 t\u1ee9c” d\u01b0\u1edbi d\u1ea1ng ti\u1ec1n l\u00e3i ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb ho\u1ea1t \u0111\u1ed9ng mua-b\u00e1n Libra v\u00e0 ti\u1ec1n l\u00e3i (sau khi \u0111\u00e3 tr\u1eeb \u0111i chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng). Trong s\u1ed1 28 th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp n\u00e0y c\u00f3 c\u1ea3 nh\u1eefng t\u1ed5 ch\u1ee9c t\u00ean tu\u1ed5i nh\u01b0 Visa, Mastercard, Paypal\u2026v.v.).<\/p>\n
C\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Libra: kh\u00e1ch h\u00e0ng d\u00f9ng n\u1ed9i t\u1ec7 (ho\u1eb7c ngo\u1ea1i t\u1ec7 m\u1ea1nh nh\u01b0 USD, EUR, GBP, JPY\u2026) mua Libra, r\u1ed3i d\u00f9ng s\u1ed1 Libra \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 ti\u1ec1n mua h\u00e0ng h\u00f3a\/d\u1ecbch v\u1ee5 (ch\u1ee7 y\u1ebfu online); s\u1ed1 Libra c\u00f2n th\u1eeba c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed5i l\u1ea1i b\u1eb1ng m\u1ed9t trong s\u1ed1 ti\u1ec1n t\u1ec7 m\u1ea1nh. C\u00e1c giao d\u1ecbch n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean n\u1ec1n t\u1ea3ng chu\u1ed7i kh\u1ed1i Libra, v\u1edbi t\u1ed1c \u0111\u1ed9 r\u1ea5t nhanh (1000 giao d\u1ecbch\/gi\u00e2y so v\u1edbi 7 giao d\u1ecbch\/gi\u00e2y c\u1ee7a Bitcoin, theo Facebook). C\u00e1c Libra \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean v\u00ed \u0111i\u1ec7n t\u1eed Calibra (c\u00f4ng ty con c\u1ee7a Facebook). V\u00ed Calibra n\u00e0y c\u00f2n c\u00f3 ch\u1ee9c n\u0103ng t\u00e1ch bi\u1ec7t th\u00f4ng tin, d\u1eef li\u1ec7u giao d\u1ecbch thanh to\u00e1n b\u1eb1ng \u0111\u1ed3ng Libra v\u1edbi d\u1eef li\u1ec7u th\u00f4ng th\u01b0\u1eddng c\u1ee7a Facebook, c\u0169ng \u0111\u01b0\u1ee3c cho l\u00e0 m\u1ed9t t\u1ea5m \u0111\u1ec7m kh\u00e1c cho t\u00ednh th\u1eeba nh\u1eadn.<\/p>\n
Kh\u00e1c bi\u1ec7t gi\u1eefa Libra v\u00e0 c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c<\/b><\/p>\n
C\u00f3 th\u1ec3 xem x\u00e9t s\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y tr\u00ean 3 ph\u01b0\u01a1ng di\u1ec7n: gi\u00e1 tr\u1ecb v\u00e0 chi ph\u00ed giao d\u1ecbch, m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng\/r\u1ee7i ro, v\u00e0 s\u1ef1 th\u1eeba nh\u1eadn.<\/p>\n
– V\u1ec1 gi\u00e1 tr\u1ecb v\u00e0 chi ph\u00ed giao d\u1ecbch<\/i><\/p>\n
Gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ed3ng Libra \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi c\u00e1c t\u00e0i s\u1ea3n th\u1ef1c nh\u01b0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, tr\u00e1i phi\u1ebfu hay t\u00edn phi\u1ebfu ch\u00ednh ph\u1ee7, \u0111\u01b0\u1ee3c gi\u1eef trong Kho d\u1ef1 tr\u1eef Libra (The Libra Reserve), nh\u1eb1m t\u1ea1o d\u1ef1ng ni\u1ec1m tin v\u1ec1 gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i c\u1ee7a \u0111\u1ed3ng Libra. Kho d\u1ef1 tr\u1eef Libra s\u1ebd \u0111\u01b0\u1ee3c \u0111i\u1ec1u h\u00e0nh v\u1edbi m\u1ee5c ti\u00eau b\u1ea3o to\u00e0n gi\u00e1 tr\u1ecb \u0111\u1ed3ng Libra qua th\u1eddi gian. Theo \u0111\u00f3, do \u0111\u01b0\u1ee3c neo v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n th\u1ef1c b\u1eb1ng nhi\u1ec1u lo\u1ea1i ti\u1ec1n kh\u00e1c nhau (USD, EUR, GBP, JPY\u2026), n\u00ean m\u1ed7i khi \u0111\u1ed3ng ti\u1ec1n n\u00e0o c\u00f3 bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh, Hi\u1ec7p h\u1ed9i Libra s\u1ebd thay \u0111\u1ed5i c\u01a1 c\u1ea5u r\u1ed5 ti\u1ec1n n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u1ed5ng gi\u00e1 tr\u1ecb \u00edt thay \u0111\u1ed5i, v\u00e0 v\u00ec th\u1ebf, \u0111\u1ed3ng Libra \u00edt bi\u1ebfn \u0111\u1ed9ng h\u01a1n.\u00a0<\/p>\n
B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ed3ng Libra \u0111\u01b0\u1ee3c t\u1ea1o ra h\u01b0\u1edbng \u0111\u1ebfn tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n trao \u0111\u1ed5i, \u0111\u1ec3 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng g\u1eedi v\u00e0 nh\u1eadn ti\u1ec1n. Trong khi \u0111\u00f3, nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn g\u1ecdi Bitcoin l\u00e0 “v\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1” v\u00e0 \u0111\u1ed3ng Bitcoin – m\u1eb7c d\u00f9 lu\u00f4n c\u1ed1 g\u1eafng \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t n\u1ec1n t\u1ea3ng thu\u1eadn l\u1ee3i cho giao d\u1ecbch – hi\u1ec7n \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 hay \u0111\u1ea7u c\u01a1 nhi\u1ec1u h\u01a1n. Tuy nhi\u00ean, hi\u1ec7n nay, v\u1eabn ch\u01b0a c\u00f3 th\u00f4ng tin \u0111\u1ec3 k\u1ebft lu\u1eadn r\u1eb1ng \u0111\u1ed3ng Libra c\u00f3 gi\u00e1 tr\u1ecb th\u1ef1c hay kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb th\u1ef1c, do Facebook v\u00e0 27 th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp ch\u01b0a c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1ec1 c\u01a1 ch\u1ebf t\u1ea1o ra \u0111\u1ed3ng Libra nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n
C\u00f3 nhi\u1ec1u so s\u00e1nh v\u1ec1 chi ph\u00ed giao d\u1ecbch c\u1ee7a \u0111\u1ed3ng Libra v\u00e0 c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c. Theo Mark Zuckerberg (Facebook), ph\u00ed giao d\u1ecbch \u0111\u1ed3ng Libra s\u1ebd r\u1ea5t th\u1ea5p ho\u1eb7c \u1edf m\u1ee9c g\u1ea7n nh\u01b0 b\u1eb1ng 0. Trong khi \u0111\u00f3, m\u1ee9c ph\u00ed giao d\u1ecbch c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 hi\u1ec7n nay dao \u0111\u1ed9ng kh\u00e1 m\u1ea1nh, t\u00f9y thu\u1ed9c v\u00e0o s\u00e0n, lo\u1ea1i t\u00e0i kho\u1ea3n v\u00e0 th\u1eddi \u0111i\u1ec3m giao d\u1ecbch (ch\u1eb3ng h\u1ea1n ph\u00ed giao d\u1ecbch \u0111\u1ed3ng Bitcoin dao \u0111\u1ed9ng t\u1eeb 0,1-50 USD\/giao d\u1ecbch t\u00f9y th\u1eddi \u0111i\u1ec3m). \u0110\u1ebfn nay, ch\u01b0a r\u00f5 chi ph\u00ed giao d\u1ecbch th\u1ef1c c\u1ee7a Libra l\u00e0 bao nhi\u00eau, nh\u01b0ng v\u1edbi m\u1ee5c ti\u00eau th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, nhi\u1ec1u kh\u1ea3 n\u0103ng cao chi ph\u00ed giao d\u1ecbch Libra s\u1ebd th\u1ea5p h\u01a1n chi ph\u00ed s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i th\u1ebb, thanh to\u00e1n qua ng\u00e2n h\u00e0ng hay \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c.<\/p>\n
– V\u1ec1 m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng\/r\u1ee7i ro<\/i><\/p>\n
Theo S\u00e1ch tr\u1eafng, Libra \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 \u1ed5n \u0111\u1ecbnh. C\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u1ef1c cho \u0111\u1ed3ng Libra nh\u01b0 n\u00eau tr\u00ean ch\u00ednh l\u00e0 m\u1ed9t \u0111i\u1ec3m kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n gi\u1eefa n\u00f3 v\u1edbi c\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c v\u1ed1n kh\u00f4ng th\u1ef1c s\u1ef1 c\u00f3 gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i v\u00e0 \u0111i k\u00e8m l\u00e0 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb r\u1ea5t m\u1ea1nh d\u1ef1a theo k\u1ef3 v\u1ecdng, thu h\u00fat nh\u1eefng ng\u01b0\u1eddi s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn r\u1ee7i ro l\u1edbn. \u0110\u1ed3ng th\u1eddi, v\u1edbi c\u01a1 ch\u1ebf v\u1eadn h\u00e0nh c\u1ee7a r\u1ed5 t\u00e0i s\u1ea3n d\u1ef1 tr\u1eef n\u00eau tr\u00ean, Libra \u0111\u01b0\u1ee3c cho l\u00e0 \u00edt bi\u1ebfn \u0111\u1ed9ng h\u01a1n nhi\u1ec1u so v\u1edbi c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c.<\/p>\n
– V\u1ec1 s\u1ef1 th\u1eeba nh\u1eadn<\/i><\/p>\n
Theo S\u00e1ch tr\u1eafng, c\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 d\u1ef1a tr\u00ean h\u1ec7 th\u1ed1ng chu\u1ed7i kh\u1ed1i hi\u1ec7n t\u1ea1i v\u1eabn ch\u01b0a \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 th\u1eeba nh\u1eadn ch\u00ednh th\u1ed1ng (mainstream adoption) hay n\u00f3i c\u00e1ch kh\u00e1c, ch\u01b0a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i do ch\u00fang c\u00f3 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng qu\u00e1 l\u1edbn v\u1ec1 gi\u00e1, trong khi kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch c\u00f2n h\u1ea1n ch\u1ebf. C\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a Facebook v\u00e0 th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp l\u00e0 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd, c\u00e1c chuy\u00ean gia trong nhi\u1ec1u l\u0129nh v\u1ef1c, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ec1n v\u1eefng, an to\u00e0n v\u00e0 \u0111\u00e1ng tin c\u1eady cho h\u1ec7 th\u1ed1ng m\u1edbi c\u1ee7a h\u1ecd.<\/p>\n
Theo \u0111\u00f3, Hi\u1ec7p h\u1ed9i Libra ra \u0111\u1eddi theo h\u00ecnh th\u1ee9c m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ed9c l\u1eadp, phi l\u1ee3i nhu\u1eadn c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Geneva, Th\u1ee5y S\u0129, nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111i\u1ec1u ph\u1ed1i v\u00e0 cung c\u1ea5p m\u1ed9t khung qu\u1ea3n tr\u1ecb cho m\u1ea1ng l\u01b0\u1edbi, kho d\u1ef1 tr\u1eef v\u00e0 d\u1eabn d\u1eaft c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i tr\u1ee3 x\u00e3 h\u1ed9i. \u0110\u1ebfn nay, Hi\u1ec7p h\u1ed9i n\u00e0y g\u1ed3m Facebook v\u00e0 27 th\u00e0nh vi\u00ean kh\u00e1c, l\u00e0 nh\u1eefng t\u00ean tu\u1ed5i uy t\u00edn, ho\u1ea1t \u0111\u1ed9ng trong nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau, g\u1ed3m: Thanh to\u00e1n (Mastercard, PayPal, PayU, Stripe, Visa); C\u00f4ng ngh\u1ec7 v\u00e0 th\u1ecb tr\u01b0\u1eddng (Booking Holdings, eBay, Facebook, Farfetch, Lyft, MercadoPago, Spotify AB, Uber Technologies, Inc.); Vi\u1ec5n th\u00f4ng (Iliad, Vodafone Group); Kh\u1ed1i chu\u1ed7i (Anchorage, Bison Trails, Coinbase, Inc., Xapo Holdings Limited); \u0110\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m (Andreessen Horowitz, Breakthrough Initiatives, Ribbit Capital, Thrive Capital, Union Square Ventures); C\u00e1c t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn v\u00e0 \u0111a ph\u01b0\u01a1ng, c\u00e1c t\u1ed5 ch\u1ee9c h\u1ecdc thu\u1eadt (Creative Destruction Lab, Kiva, Mercy Corps, Women\u2019s World Banking).<\/p>\n
S\u1ed1 l\u01b0\u1ee3ng th\u00e0nh vi\u00ean c\u1ee7a Hi\u1ec7p h\u1ed9i Libra \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd m\u1edf r\u1ed9ng \u0111\u1ebfn kho\u1ea3ng 100 th\u00e0nh vi\u00ean khi Libra ch\u00ednh th\u1ee9c ra m\u1eaft, d\u1ef1 ki\u1ebfn trong n\u1eeda \u0111\u1ea7u n\u0103m 2020. Vi\u1ec7c c\u00f3 nh\u1eefng “th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp” l\u00e0 nh\u1eefng t\u00ean tu\u1ed5i h\u00e0ng \u0111\u1ea7u v\u00e0 nh\u1eefng “g\u00e3 kh\u1ed5ng l\u1ed3” trong m\u1ed7i l\u0129nh v\u1ef1c l\u00e0 m\u1ed9t s\u1ef1 h\u1eabu thu\u1eadn v\u1eefng ch\u1eafc, gia t\u0103ng kh\u1ea3 n\u0103ng \u0111\u1ed3ng Libra \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn v\u00e0 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n giao d\u1ecbch, trao \u0111\u1ed5i ph\u1ed5 bi\u1ebfn. Trong \u0111\u00f3, Facebook s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u00f3ng vai tr\u00f2 ch\u1ee7 ch\u1ed1t v\u00e0 d\u1eabn d\u1eaft trong Hi\u1ec7p h\u1ed9i Libra v\u00e0 chu\u1ed7i kh\u1ed1i Libra cho \u0111\u1ebfn \u00edt nh\u1ea5t l\u00e0 h\u1ebft n\u0103m 2019. Ngo\u00e0i ra, vi\u1ec7c Calibra \u0111\u01b0\u1ee3c t\u1ea1o l\u1eadp nh\u1eb1m t\u00e1ch bi\u1ec7t th\u00f4ng tin, d\u1eef li\u1ec7u giao d\u1ecbch thanh to\u00e1n b\u1eb1ng \u0111\u1ed3ng Libra v\u1edbi d\u1eef li\u1ec7u th\u00f4ng th\u01b0\u1eddng c\u1ee7a Facebook, c\u0169ng \u0111\u01b0\u1ee3c cho l\u00e0 m\u1ed9t t\u1ea5m \u0111\u1ec7m kh\u00e1c cho t\u00ednh th\u1eeba nh\u1eadn.<\/p>\n
Tri\u1ec3n v\u1ecdng \u0111\u1ed3ng Libra trong t\u01b0\u01a1ng lai<\/b><\/p>\n
M\u1eb7c d\u00f9 v\u1ec1 m\u1eb7t \u00fd t\u01b0\u1edfng, \u0111\u1ed3ng Libra \u0111ang c\u1ed1 g\u1eafng gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 c\u1ee7a c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 tr\u01b0\u1edbc \u0111\u00e2y, song v\u1ec1 m\u1eb7t k\u1ef9 thu\u1eadt, \u0111\u1ed3ng Libra ch\u01b0a th\u1ef1c s\u1ef1 c\u00f3 qu\u00e1 nhi\u1ec1u \u0111i\u1ec3m n\u1ed5i b\u1eadt v\u00e0 d\u1ef1 ki\u1ebfn s\u1ebd c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, th\u00e1ch th\u1ee9c khi \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng. Tuy nhi\u00ean, nguy\u00ean nh\u00e2n khi\u1ebfn Libra nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 quan t\u00e2m ch\u00ednh l\u00e0 v\u00ec tri\u1ec3n v\u1ecdng tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi kh\u1edfi ngu\u1ed3n t\u1eeb m\u1ea1ng l\u01b0\u1edbi ng\u01b0\u1eddi d\u00f9ng Facebook hi\u1ec7n nay v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 \u0111i k\u00e8m c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp ban \u0111\u1ea7u. Facebook hi\u1ec7n c\u00f3 2,4 t\u1ef7 ng\u01b0\u1eddi d\u00f9ng, g\u1ea5p g\u1ea7n 70 l\u1ea7n s\u1ed1 ng\u01b0\u1eddi hi\u1ec7n \u0111ang c\u00f3 v\u00ed ti\u1ec1n m\u00e3 h\u00f3a (35 tri\u1ec7u, theo Statista). Trong s\u1ed1 2,4 t\u1ef7 ng\u01b0\u1eddi n\u00e0y bao g\u1ed3m c\u1ea3 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 ho\u1eb7c ch\u01b0a c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Nh\u01b0ng n\u1ebfu c\u1ed9ng s\u1ed1 ng\u01b0\u1eddi d\u00f9ng facebook v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng d\u00f9ng facebook, ch\u01b0a c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, v\u00e0 n\u1ebfu \u0111\u01b0\u1ee3c c\u1ed9ng \u0111\u1ed3ng, nh\u00e0 qu\u1ea3n l\u00fd ch\u1ea5p nh\u1eadn, s\u1ed1 ng\u01b0\u1eddi d\u00f9ng \u0111\u1ed3ng Libra s\u1ebd \u00edt nh\u1ea5t l\u00e0 tr\u00ean 2,4 t\u1ef7 ng\u01b0\u1eddi trong t\u01b0\u01a1ng lai.<\/p>\n
Ngo\u00e0i ra, tr\u01b0\u1edbc m\u1eaft, Libra s\u1ebd ch\u1ee7 y\u1ebfu h\u01b0\u1edbng \u0111\u1ebfn ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 n\u1ec1n t\u1ea3ng kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp, song c\u0169ng kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ea3m b\u1ea3o Libra kh\u00f4ng th\u1ec3 c\u1ea1nh tranh v\u1edbi SWIFT, hay Western Union, MoneyGram trong vi\u1ec7c tr\u1edf th\u00e0nh trung gian gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, m\u1ed9t khi n\u00f3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c t\u00ednh thu\u1eadn ti\u1ec7n, an to\u00e0n, b\u1ea3o m\u1eadt v\u00e0 m\u1ee9c chi ph\u00ed th\u1ea5p h\u01a1n.<\/p>\n
B\u00ean c\u1ea1nh \u0111\u00f3, Facebook c\u0169ng mong mu\u1ed1n x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i, trong \u0111\u00f3, chu\u1ed7i kh\u1ed1i Libra tr\u1edf th\u00e0nh n\u1ec1n t\u1ea3ng cho c\u00e1c \u1ee9ng d\u1ee5ng kh\u00e1c b\u1edfi \u0111\u00e2y l\u00e0 chu\u1ed7i kh\u1ed1i c\u00f3 m\u00e3 ngu\u1ed3n m\u1edf, b\u1ea5t k\u1ef3 nh\u00e0 ph\u00e1t tri\u1ec3n n\u00e0o c\u0169ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c \u1ee9ng d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng v\u1edbi n\u00f3 b\u1eb1ng ng\u00f4n ng\u1eef m\u00e3 h\u00f3a Move. Khi \u0111\u00f3, s\u1ebd c\u00f3 m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng kh\u00e1c nh\u01b0 doanh nghi\u1ec7p nh\u1ecf, si\u00eau nh\u1ecf, doanh nghi\u1ec7p th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed\u2026.c\u00f3 th\u1ec3 tham gia.<\/p>\n
M\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro ch\u00ednh<\/b><\/p>\n
C\u00f3 th\u1ec3 t\u00f3m l\u01b0\u1ee3c c\u00f3 4 kh\u00f3 kh\u0103n, r\u1ee7i ro ch\u00ednh \u0111\u1ed1i v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n c\u1ee7a Libra.<\/p>\n
– Vi\u1ec7c m\u1edf r\u1ed9ng Hi\u1ec7p h\u1ed9i Libra kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n<\/i><\/p>\n
Trong giai \u0111o\u1ea1n \u0111\u1ea7u ph\u00e1t tri\u1ec3n, kh\u1ed1i chu\u1ed7i Libra v\u1eabn \u1edf d\u1ea1ng kh\u1ed1i chu\u1ed7i c\u00f3 ph\u00e2n quy\u1ec1n (permissioned), do \u0111\u00f3, ch\u1ec9 c\u00e1c th\u00e0nh vi\u00ean \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u nh\u1ea5t \u0111\u1ecbnh m\u1edbi \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u00e0o Hi\u1ec7p h\u1ed9i Libra. \u0110\u1ec3 tham gia Hi\u1ec7p h\u1ed9i, b\u00ean c\u1ea1nh kho\u1ea3n 10 tri\u1ec7u USD v\u1ed1n g\u00f3p ban \u0111\u1ea7u, c\u00e1c th\u00e0nh vi\u00ean c\u1ea7n m\u1ed9t gi\u00e0n m\u00e1y ch\u1ee7, k\u1ebft n\u1ed1i Internet chuy\u00ean d\u1ee5ng v\u1edbi t\u1ed1c \u0111\u1ed9 t\u1eeb 100Mbps tr\u1edf l\u00ean, m\u1ed9t chuy\u00ean gia\/k\u1ef9 s\u01b0 tin c\u1eady l\u00e0m vi\u1ec7c to\u00e0n th\u1eddi gian, c\u00f3 m\u1ee9c \u0111\u1ed9 b\u1ea3o m\u1eadt c\u1ea5p doanh nghi\u1ec7p tr\u1edf l\u00ean. C\u00e1c doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ea1t 2 trong 3 ng\u01b0\u1ee1ng: (i) gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng 1 t\u1ef7 USD ho\u1eb7c s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ea1t 500 tri\u1ec7u USD, (ii) ti\u1ebfp c\u1eadn 20 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng m\u1ed7i n\u0103m v\u00e0\/ho\u1eb7c (iii) \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn l\u00e0 m\u1ed9t trong 100 doanh nghi\u1ec7p \u0111\u1ea7u ng\u00e0nh b\u1edfi Interband Global ho\u1eb7c S&P 500; c\u0169ng nh\u01b0 \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c. T\u00f3m l\u1ea1i, ti\u00eau ch\u00ed \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t n\u00fat trong m\u1ea1ng l\u01b0\u1edbi c\u1ee7a Libra kh\u00f4ng \u0111\u01a1n gi\u1ea3n.<\/p>\n
– An to\u00e0n, b\u1ea3o m\u1eadt v\u1eabn l\u00e0 d\u1ea5u h\u1ecfi<\/i><\/p>\n
Nh\u00ecn chung Facebook \u0111\u00e3 th\u1ef1c hi\u1ec7n kh\u00e1 nhi\u1ec1u “\u0111\u1ed9ng th\u00e1i” nh\u1eb1m t\u1ea1o ra m\u1ed9t s\u1ef1 \u0111\u1ed9c l\u1eadp t\u01b0\u01a1ng \u0111\u1ed1i gi\u1eefa ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Facebook v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn Libra: (i) th\u00e0nh l\u1eadp m\u1ed9t c\u00f4ng ty con Calibra nh\u01b0 1 v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 nh\u1eb1m t\u00e1ch d\u1eef li\u1ec7u thanh to\u00e1n b\u1eb1ng \u0111\u1ed3ng Libra ri\u00eang; (ii) ch\u1ec9 c\u00f3 m\u1ed9t phi\u1ebfu b\u1ea7u, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 nh\u1eefng th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp kh\u00e1c, \u0111\u1ea3m b\u1ea3o quy\u1ec1n b\u00ecnh \u0111\u1eb3ng v\u00e0 tr\u00e1nh \u0111\u1ed9c quy\u1ec1n th\u1ed1ng l\u0129nh; (iii) cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng v\u00ed Calibra \u0111\u1ed9c l\u1eadp m\u00e0 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i d\u00f9ng Libra th\u00f4ng qua Facebook, Messenger hay WhatsApp\u2026\u00a0<\/p>\n
Tuy nhi\u00ean, kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn, Libra v\u1eabn l\u00e0 \u00fd t\u01b0\u1edfng v\u00e0 d\u1ef1 \u00e1n m\u00e0 Facebook \u0111\u00e3 kh\u1edfi \u0111\u1ed9ng, c\u00e1c \u0111\u1ed1i t\u00e1c, th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp c\u0169ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u00e0 ch\u1ecdn l\u1ef1a b\u1edfi Facebook. V\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u c\u00e2u h\u1ecfi v\u00e0 tranh c\u00e3i xung quanh vi\u1ec7c Facebook s\u1ebd ki\u1ec3m so\u00e1t nh\u01b0 th\u1ebf n\u00e0o v\u00e0 \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o v\u1edbi Libra?. N\u1ebfu ki\u1ec3m so\u00e1t qu\u00e1 m\u1ee9c (nh\u01b0 t\u1ef1 m\u00ecnh th\u1ef1c hi\u1ec7n vi\u1ec7c ph\u00ea duy\u1ec7t t\u1eebng giao d\u1ecbch v\u00e0 ki\u1ec3m so\u00e1t t\u1eebng ng\u01b0\u1eddi d\u00f9ng), Libra c\u00f3 th\u1ec3 bi\u1ebfn th\u00e0nh m\u1ed9t PayPal th\u1ee9 hai. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu kh\u00f4ng n\u1eafm to\u00e0n quy\u1ec1n ki\u1ec3m so\u00e1t (v\u00ed d\u1ee5 giao c\u00f4ng vi\u1ec7c n\u00e0y cho m\u1ed9t s\u00e0n giao d\u1ecbch), Facebook kh\u00f3 c\u00f3 th\u1ec3 ki\u1ebfm l\u1ee3i nhu\u1eadn h\u01a1n v\u00e0 kh\u00f3 ki\u1ec3m so\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng phi ph\u00e1p, r\u1eeda ti\u1ec1n; vi\u1ec7c giao cho Hi\u1ec7p h\u1ed9i Libra c\u0169ng c\u00f3 r\u1ee7i ro \u1edf ch\u1ed7 Hi\u1ec7p h\u1ed9i n\u00e0y \u0111\u01b0\u1ee3c t\u1ea1o ra th\u00f4ng qua c\u00e1c s\u1ef1 th\u1ecfa hi\u1ec7p v\u00e0 kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ea3m b\u1ea3o s\u1ebd gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn v\u00e0 ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n c\u0169ng nh\u01b0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng thu\u1eadn nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3 khi v\u1eadn h\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n
B\u00ean c\u1ea1nh \u0111\u00f3, kh\u00f4ng th\u1ec3 \u0111\u1ea3m b\u1ea3o Facebook hay Calibra kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng hay s\u1eed d\u1ee5ng c\u00e1c th\u00f4ng tin tr\u00ean Facebook, Messenger, WhatsApp\u2026 \u0111\u1ec3 thi\u1ebft k\u1ebf tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u1edbi Libra. \u0110\u1eb7c bi\u1ec7t, \u0111\u1ec3 s\u1eed d\u1ee5ng v\u00ed Calibra, ng\u01b0\u1eddi d\u00f9ng s\u1ebd ph\u1ea3i t\u1ea3i c\u00e1c gi\u1ea5y t\u1edd l\u00ean \u1ee9ng d\u1ee5ng nh\u01b0 ch\u1ee9ng minh th\u01b0, th\u1ebb c\u0103n c\u01b0\u1edbc\/h\u1ed9 chi\u1ebfu do Ch\u00ednh ph\u1ee7 c\u1ea5p. C\u0169ng c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, c\u00e1c giao d\u1ecbch Libra ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 b\u1ecb \u0111\u00f3ng b\u0103ng n\u1ebfu nh\u01b0 ch\u00fang vi ph\u1ea1m lu\u1eadt ph\u00e1p t\u1ea1i c\u00e1c qu\u1ed1c gia (ch\u1eb3ng h\u1ea1n nh\u01b0 M\u1ef9 – l\u00e0 qu\u1ed1c gia c\u1ea5p ph\u00e9p cho Calibra). Lo l\u1eafng v\u1ec1 t\u00ednh b\u1ea3o m\u1eadt th\u00f4ng tin v\u00e0 giao d\u1ecbch l\u00e0 m\u1ed9t lo ng\u1ea1i c\u00f3 c\u01a1 s\u1edf, nh\u1ea5t l\u00e0 sau h\u00e0ng lo\u1ea1t c\u00e1c b\u00ea b\u1ed1i c\u1ee7a Facebook trong v\u1ea5n \u0111\u1ec1 n\u00e0y. Nh\u1eefng lo ng\u1ea1i n\u00e0y c\u00f3 th\u1ec3 s\u1ebd c\u1ea3n tr\u1edf ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0o Libra so v\u1edbi h\u1ec7 th\u1ed1ng thanh to\u00e1n truy\u1ec1n th\u1ed1ng hay qua Fintech, c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed vi\u1ec5n th\u00f4ng\u2026v.v.<\/p>\n
– R\u1ee7i ro ph\u00e1p l\u00fd<\/i><\/p>\n
\u1ede th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, kh\u00f4ng ph\u1ea3i nhi\u1ec1u qu\u1ed1c gia ch\u1ea5p nh\u1eadn ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n h\u1ee3p ph\u00e1p; th\u1eadm ch\u00ed, lo\u1ea1i ti\u1ec1n n\u00e0y c\u00f2n b\u1ecb c\u1ea5m \u1edf m\u1ed9t s\u1ed1 qu\u1ed1c gia. C\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd \u00e1p d\u1ee5ng cho ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 nh\u00ecn chung c\u00f2n ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, k\u1ec3 c\u1ea3 \u1edf c\u00e1c qu\u1ed1c gia cho ph\u00e9p giao d\u1ecbch ch\u00fang. Ngay t\u1eeb khi ch\u01b0a ra m\u1eaft, \u0111\u1ed3ng Libra \u0111\u00e3 v\u1ea5p ph\u1ea3i nhi\u1ec1u s\u1ef1 ph\u1ea3n \u0111\u1ed1i t\u1eeb m\u1ed9t s\u1ed1 nh\u00e0 l\u1eadp ph\u00e1p v\u00e0 ch\u00ednh tr\u1ecb gia tr\u00ean th\u1ebf gi\u1edbi. Ngay sau khi ng\u00e0y c\u00f4ng b\u1ed1 18\/6\/2019, Facebook \u0111\u00e3 b\u1ecb m\u1ed9t s\u1ed1 Ngh\u1ecb s\u0129 M\u1ef9 y\u00eau c\u1ea7u t\u1ea1m d\u1eebng ph\u00e1t tri\u1ec3n ho\u00e0n to\u00e0n d\u1ef1 \u00e1n Libra v\u00e0 ph\u1ea3i \u0111i\u1ec1u tr\u1ea7n tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i; trong khi B\u1ed9 tr\u01b0\u1eddng T\u00e0i ch\u00ednh Ph\u00e1p cho r\u1eb1ng kh\u00f4ng th\u1ec3 \u0111\u1ec3 Libra tr\u1edf th\u00e0nh m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ti\u1ec1n t\u1ec7 do NHTW ph\u00e1t h\u00e0nh. Nh\u1eefng lo ng\u1ea1i kh\u00e1c bao g\u1ed3m vi\u1ec7c Facebook c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t “ng\u00e2n h\u00e0ng ng\u1ea7m”- shadow bank, nguy c\u01a1 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n, t\u1ed9i ph\u1ea1m\u2026v.v.\u00a0<\/p>\n
M\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 b\u01b0\u1edbc ti\u1ebfp c\u1eadn v\u00e0 l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c NHTW v\u00e0 Ch\u00ednh ph\u1ee7 m\u1ed9t s\u1ed1 n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c qu\u1ed1c gia cho ph\u00e9p giao d\u1ecbch ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, song ch\u1eafc ch\u1eafn Facebook v\u00e0 c\u00e1c th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp c\u00f2n r\u1ea5t nhi\u1ec1u vi\u1ec7c ph\u1ea3i l\u00e0m tr\u01b0\u1edbc khi \u0111\u1ed3ng Libra v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng kh\u00e1c c\u00f3 th\u1ec3 \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p.<\/p>\n
– R\u1ee7i ro c\u00f4ng ngh\u1ec7 th\u00f4ng tin<\/i><\/p>\n
\u0110\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, c\u0169ng kh\u00f4ng ai c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1ee7i ro c\u00f4ng ngh\u1ec7 th\u00f4ng tin nh\u01b0 s\u00e0n giao d\u1ecbch tr\u1ee5c tr\u1eb7c, m\u1ea5t ti\u1ec1n, l\u1eeba \u0111\u1ea3o, b\u1ecb hackers t\u1ea5n c\u00f4ng\u2026..s\u1ebd kh\u00f4ng x\u1ea3y ra. Kinh nghi\u1ec7m cho th\u1ea5y m\u1ed9t s\u1ed1 s\u00e0n giao d\u1ecbch ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 g\u1eb7p ph\u1ea3i nh\u1eefng r\u1ee7i ro n\u00e0y. Ch\u1eafc ch\u1eafn Facebook v\u00e0 Hi\u1ec7p h\u1ed9i Libra ph\u1ea3i t\u00ednh \u0111\u1ebfn bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba c\u0169ng nh\u01b0 n\u00e2ng cao nh\u1eadn th\u1ee9c, \u0111\u1ec1 cao c\u1ea3nh gi\u00e1c c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng.<\/p>\n
T\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111\u1ed3ng Libra \u0111\u1ed1i v\u1edbi kinh t\u1ebf v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh-ti\u1ec1n t\u1ec7<\/b><\/p>\n
N\u1ebfu \u0111\u1ed3ng Libra th\u1ef1c s\u1ef1 \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u00f3 c\u00f9ng h\u1ec7 sinh th\u00e1i s\u1ebd c\u00f3 \u00edt nh\u1ea5t 4 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn kinh t\u1ebf v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7 to\u00e0n c\u1ea7u.<\/p>\n
M\u1ed9t l\u00e0, Libra c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng t\u1edbi s\u1ef1 v\u1eadn h\u00e0nh hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. V\u1ec1 c\u01a1 b\u1ea3n, s\u1ef1 ph\u00e1t tri\u1ec3n ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1o ra ph\u01b0\u01a1ng ti\u1ec7n, c\u00f4ng c\u1ee5 v\u00e0 \u0111\u1ed3ng ti\u1ec1n thanh to\u00e1n tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 cao; qua \u0111\u00f3 g\u00f3p ph\u1ea7n gi\u1ea3m chi ph\u00ed, t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh\u2026v.v. Tuy nhi\u00ean, \u01b0u \u0111i\u1ec3m n\u00e0y ch\u1ec9 c\u00f3 th\u1ec3 ph\u00e1t huy n\u1ebfu ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u00f4ng ngh\u1ec7 \u0111i k\u00e8m l\u00e0 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u0111\u00e1ng tin c\u1eady v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea1i \u0111a s\u1ed1 ng\u01b0\u1eddi s\u1eed d\u1ee5ng ch\u1ea5p nh\u1eadn. Nh\u1eefng th\u1ea5t b\u1ea1i li\u00ean quan \u0111\u1ebfn \u0111\u1ed3ng Libra c\u00f3 th\u1ec3 l\u00e0m suy gi\u1ea3m ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed n\u00f3i chung v\u00e0 \u0111\u1ed3ng Libra n\u00f3i ri\u00eang, trong khi kh\u1ea3 n\u0103ng chuy\u1ec3n \u0111\u1ed5i tr\u1edf l\u1ea1i c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n truy\u1ec1n th\u1ed1ng kh\u00f3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c ngay.<\/p>\n
Hai l\u00e0, s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a \u0111\u1ed3ng Libra l\u00e0m t\u0103ng th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi ph\u00f2ng ng\u1eeba r\u1eeda ti\u1ec1n v\u00e0 t\u1ed9i ph\u1ea1m. Qu\u1ea3n l\u00fd kh\u00f4ng t\u1ed1t nh\u1eefng r\u1ee7i ro n\u00eau tr\u00ean c\u00f3 th\u1ec3 khi\u1ebfn \u0111\u1ed3ng Libra d\u1ec5 b\u1ecb gi\u1ea3 m\u1ea1o, gian l\u1eadn v\u00e0 d\u1eabn t\u1edbi c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00e1c t\u00e0i s\u1ea3n s\u1eb5n c\u00f3 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh. Trong b\u1ed1i c\u1ea3nh c\u00f4ng ngh\u1ec7 \u0111ang ph\u00e1t tri\u1ec3n r\u1ea5t nhanh th\u00ec nguy c\u01a1 v\u1ec1 t\u1ed9i ph\u1ea1m m\u1ea1ng, gi\u1ea3 m\u1ea1o v\u00e0 gian l\u1eadn kh\u00f3 c\u00f3 th\u1ec3 b\u1ecb lo\u1ea1i tr\u1eeb. B\u00ean c\u1ea1nh \u0111\u00f3, n\u1ebfu \u0111\u1ed3ng Libra v\u1edbi kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n vi\u1ec7c chuy\u1ec3n kho\u1ea3n kh\u00f4ng gi\u1edbi h\u1ea1n nh\u01b0 mong mu\u1ed1n ban \u0111\u1ea7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch r\u1eeda ti\u1ec1n, tr\u1ed1n thu\u1ebf, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1\u2026do t\u00ednh \u1ea9n danh c\u1ee7a c\u00e1c giao d\u1ecbch v\u00e0 s\u1ef1 thu\u1eadn l\u1ee3i, d\u1ec5 d\u00e0ng trong giao d\u1ecbch \u0111\u1ed3ng Libra b\u1ecb l\u1ee3i d\u1ee5ng.<\/p>\n
Th\u1ee9 ba, t\u00e1c \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u00e1c trung gian t\u00e0i ch\u00ednh, Fintech v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed vi\u1ec5n th\u00f4ng: Ti\u1ec1n Libra c\u00f3 th\u1ec3 \u0111e d\u1ecda tr\u1ef1c ti\u1ebfp \u0111\u1ebfn s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c trung gian t\u00e0i ch\u00ednh, Fintech v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed vi\u1ec5n th\u00f4ng v\u00ec c\u00e1c c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 giao d\u1ecbch tr\u1ef1c ti\u1ebfp v\u1edbi nhau v\u1edbi chi ph\u00ed th\u1ea5p v\u00e0 nhanh ch\u00f3ng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng chu\u1ed7i kh\u1ed1i Libra v\u00e0 c\u00e1c apps \u0111i k\u00e8m. M\u1eb7t kh\u00e1c, vi\u1ec7c c\u00e1c qu\u1ed1c gia c\u00f3 ch\u00ednh s\u00e1ch c\u1ea5m \u0111o\u00e1n c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 n\u00f3i chung v\u00e0 \u0111\u1ed3ng Libra n\u00f3i ri\u00eang s\u1ebd t\u1ea1o ra r\u1ee7i ro cho c\u00e1c t\u1ed5 ch\u1ee9c trung gian t\u00e0i ch\u00ednh, Fintech n\u1ebfu ch\u1ea5p nh\u1eadn ch\u00fang.<\/p>\n
Th\u1ee9 t\u01b0, \u0111\u1ed3ng Libra c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00f4\u0301i v\u01a1\u0301i ch\u00ednh s\u00e1ch c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u1ee7a c\u00e1c qu\u1ed1c gia. Khi vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 n\u00f3i chung v\u00e0 \u0111\u1ed3ng Libra n\u00f3i ri\u00eang ng\u00e0y c\u00e0ng t\u0103ng s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn h\u1ec7 th\u1ed1ng thanh to\u00e1n (nh\u01b0 n\u00eau tr\u00ean), \u0111\u1ebfn l\u01b0\u1ee3ng cung ti\u1ec1n, \u0111\u1ebfn ph\u00e2n giao tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t v\u00e0 x\u1eed l\u00fd r\u1ee7i ro h\u1ec7 th\u1ed1ng, r\u1ee7i ro lan truy\u1ec1n, n\u1ebfu s\u1ef1 c\u1ed1 x\u1ea3y ra. M\u1ed9t s\u1ed1 qu\u1ed1c gia \u0111\u00e3 nghi\u00ean c\u1ee9u \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1ch ti\u1ebfp c\u1eadn, \u1ee9ng x\u1eed v\u00e0 ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t\u2026v.v. Ngo\u00e0i ra, nhi\u1ec1u chuy\u00ean gia ch\u1ec9 ra r\u1eb1ng vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng t\u1ed5n th\u1ea5t ng\u00e2n s\u00e1ch do tr\u1ed1n thu\u1ebf, r\u1eeda ti\u1ec1n, ho\u1eb7c do ch\u01b0a c\u00f3 c\u00e1ch th\u1ee9c \u0111\u00e1nh thu\u1ebf ph\u00f9 h\u1ee3p\u2026v.v.<\/p>\n
M\u1ed9t s\u1ed1 ki\u1ebfn ngh\u1ecb \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam<\/b><\/p>\n
Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 coi l\u00e0 m\u1ed9t ph\u00e1t minh c\u1ee7a nh\u00e2n lo\u1ea1i, l\u00e0 xu th\u1ebf, s\u1ebd c\u00f2n ti\u1ebfp t\u1ee5c t\u1ed3n t\u1ea1i; m\u1eb7c d\u00f9 c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng \u0111\u1ed3ng ti\u1ec1n tho\u00e1i tr\u00e0o, nh\u01b0ng nh\u1eefng \u0111\u1ed3ng ti\u1ec1n m\u1edbi l\u1ea1i xu\u1ea5t hi\u1ec7n, v\u1edbi nh\u1eefng \u01b0u \u0111i\u1ec3m n\u1ed5i tr\u1ed9i h\u01a1n, b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c nh\u1eefng nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a c\u00e1c \u0111\u1ed3ng ti\u1ec1n tr\u01b0\u1edbc \u0111\u00f3. H\u01a1n n\u1eefa, c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i (blockchain), v\u1edbi nh\u1eefng \u01b0u \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i, s\u1ebd \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng ng\u00e0y c\u00e0ng nhi\u1ec1u trong nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau, trong \u0111\u00f3 c\u00f3 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh-ng\u00e2n h\u00e0ng. Do \u0111\u00f3, kh\u00f4ng th\u1ec3 ng\u0103n c\u1ea5m ho\u00e0n to\u00e0n m\u00e0 v\u1ea5n \u0111\u1ec1 l\u00e0 n\u00ean qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t nh\u01b0 th\u1ebf n\u00e0o. Theo \u0111\u00f3, Ch\u00ednh ph\u1ee7 c\u1ea7n c\u00f3 ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00fd ph\u00f9 h\u1ee3p. C\u1ee5 th\u1ec3, vi\u1ec7c ch\u1ea5p nh\u1eadn \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 trong giai \u0111o\u1ea1n n\u00e0y c\u00f3 th\u1ec3 l\u00e0 ch\u01b0a ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi th\u1ef1c ti\u1ec5n \u1edf Vi\u1ec7t Nam; tuy nhi\u00ean, c\u0169ng kh\u00f4ng th\u1ec3 \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi xu th\u1ebf, v\u1edbi y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n l\u00e0 c\u1ea5m tuy\u1ec7t \u0111\u1ed1i s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n n\u00e0y.\u00a0<\/p>\n
Theo \u0111\u00f3, nh\u00f3m nghi\u00ean c\u1ee9u c\u00f3 4 ki\u1ebfn ngh\u1ecb nh\u01b0 sau.<\/p>\n
(i) T\u1eeb kinh nghi\u1ec7m qu\u1ed1c t\u1ebf, \u0111\u1ebfn nay c\u00f3 th\u1ec3 th\u1ea5y vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 n\u00f3i chung v\u00e0 \u0111\u1ed3ng Libra n\u00f3i ri\u00eang (n\u1ebfu \u0111\u1ed3ng ti\u1ec1n n\u00e0y \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng) c\u1ee7a Vi\u1ec7t Nam n\u00ean theo h\u01b0\u1edbng th\u1eadn tr\u1ecdng, c\u00f3 quan s\u00e1t v\u00e0 v\u1eadn d\u1ee5ng. C\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n tham gia cung c\u1ea5p d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn ti\u1ec1n \u0111i\u1ec7n t\u1eed, ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p theo ti\u00eau chu\u1ea9n nh\u1ea5t \u0111\u1ecbnh. Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n tr\u00ean c\u1ea7n ph\u1ea3i th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd, \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch. B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u1ea7n c\u00f3 nh\u1eefng quy ch\u1ebf \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c tham gia cung c\u1ea5p d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u00e2n t\u00e1ch gi\u1eefa t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a c\u00f4ng ty, ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 t\u00e0i ch\u00ednh, chuy\u00ean gia, quy tr\u00ecnh v\u00e0 CNTT.<\/p>\n
(ii) N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i (blockchain) l\u00e0 m\u1ed9t xu th\u1ebf v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng r\u1ed9ng r\u00e3i do nhi\u1ec1u \u01b0u \u0111i\u1ec3m c\u1ee7a c\u00f4ng ngh\u1ec7 n\u00e0y. V\u00ec v\u1eady, NHNN, B\u1ed9 t\u00e0i ch\u00ednh, c\u00e1c b\u1ed9, ng\u00e0nh theo l\u0129nh v\u1ef1c c\u1ee7a m\u00ecnh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, trung gian thanh to\u00e1n, doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7\u2026 c\u1ea7n s\u1edbm t\u00ecm hi\u1ec3u, ti\u1ebfp c\u1eadn, x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd (g\u1ed3m c\u1ea3 d\u1ea1ng th\u00ed \u0111i\u1ec3m \u2013 sandbox) \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n, t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p c\u1ee7a Vi\u1ec7t Nam c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng, khai th\u00e1c v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 kh\u1ed1i chu\u1ed7i n\u00e0y.<\/p>\n
(iii) C\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan c\u1ea7n ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 nh\u1ea5t qu\u00e1n th\u1ef1c thi chi\u1ebfn l\u01b0\u1ee3c t\u1ed5ng th\u1ec3 v\u1ec1 h\u1ec7 th\u1ed1ng thanh to\u00e1n qu\u1ed1c gia (Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 \u0111\u1ec1 \u00e1n nh\u01b0ng kh\u00e1 r\u1eddi r\u1ea1c, thi\u1ebfu nh\u1ea5t qu\u00e1n, \u0111\u1ed3ng b\u1ed9, thi\u1ebfu c\u1eadp nh\u1eadt); trong \u0111\u00f3, thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t c\u1ea7n c\u00f3 \u0111\u1ed9t ph\u00e1. \u0110\u1ed3ng th\u1eddi, c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan c\u1ea7n ph\u1ed1i h\u1ee3p qu\u1ea3n l\u00fd c\u00e1c giao d\u1ecbch thanh to\u00e1n, chuy\u1ec3n ti\u1ec1n (g\u1ed3m c\u1ea3 ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1) xuy\u00ean bi\u00ean gi\u1edbi nh\u1eb1m \u0111\u1ea3m b\u1ea3o cam k\u1ebft h\u1ed9i nh\u1eadp, m\u1edf c\u1eeda, nh\u01b0ng v\u1eabn ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro.<\/p>\n
(iv) Cu\u1ed1i c\u00f9ng, c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n s\u1edbm nghi\u00ean c\u1ee9u, \u0111\u00e1nh gi\u00e1 k\u1ef9 t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c xu\u1ea5t hi\u1ec7n \u0111\u1ed3ng Libra n\u00e0y; t\u1eeb \u0111\u00f3 c\u00f3 ph\u01b0\u01a1ng \u00e1n v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn, \u1ee9ng x\u1eed v\u00e0 k\u1ecbch b\u1ea3n qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ph\u00f9 h\u1ee3p.<\/p>\n<\/div>\n
TS. C\u1ea5n V\u0103n L\u1ef1c v\u00e0 Nh\u00f3m t\u00e1c gi\u1ea3 Vi\u1ec7n \u0110\u00e0o t\u1ea1o v\u00e0 Nghi\u00ean c\u1ee9u BIDV<\/p>\n