The Government has just issued Resolution No. 100 / NQ-CP dated 6.9 through the proposal to develop a decree on testing mechanisms with controlling financial technology activities (Fintech) in the banking sector. Vietnamese State goods shall assume the prime responsibility and coordinate with related agencies to fully absorb the opinions of government members in too develop the Decree; At the same time, to ensure the provisions of the Law on Promulgation of legal documents and relevant legal documents, submit to the Government in the fourth quarter of 2021. The Government agrees to develop a decree on the test mechanism FinTech Financial Technology (abbreviated FinTech) is the application of innovative, innovative and modern technologies into the financial sector - banking, such as payment services, money transfer, lending, talent management Production
... to provide customers with transparent, efficient and convenient financial services with lower costs than traditional financial services
According to the State Bank, the appearance and development With Fintech's rapid speed, the management agencies of countries face many difficulties and challenges in management and supervision due to the risks of money laundering, terrorist financing, inter-risk risk Regarding security, safety, confidentiality of information, unauthorized use of personal information ... Therefore, the tasks set with management agencies is to ensure the TI Support to promote innovation in innovation while still maintaining the stability and safety of the financial market and supporting economic growth. In Vietnam, the activities of the FinTech Solution Company, for P2P Lending), a new payment model, transfers across border, sharing user data via open application programming interface (Open APIs) ... There are no specific legal provisions To adjust. The examples of Uber, Grab in the transport market in the past are lessons learned for the banking industry in responding to rapid changes in technology. Without a timely legal corridor will face a lot of embarrassing when Fintech companies expand the scope of operations
The world, in the immediate future The establishment of a test mechanism with FINTECH operation control in the banking sector in Vietnam through promulgating a decree is very urgent and necessary, especially before the Party's great policy and The state on development "government and digital economy" in the new era of the 4th industrial revolution before that, in the draft the impact assessment report of some types of economic shares The economy, the Ministry of Planning and Investment said that the sharing economic development may increase the dependence of the banking financial system on a third party, which is foreign businesses, leading to risk risk system, increase the risk of national financial income loss. In that, the development of various types of economic sharing as increased rapidly transactions Concerns do not use cash, cross-border payment transactions. The explosion of e-payment transactions to create large pressures and challenges for domestic banks to ensure the safety of national financial systems and security. However, the Ministry of Science and Technology also said that The FinTech development also promotes competition and improves the quality of products and services in the banking industry. Accordingly, FINTECH companies and traditional banks have separate advantages that both can exploit each other, both cooperating and competing. According to the agency to manage investment activities, trends It will be banks and Fintech cooperation in cooperation in the implementation of financial services to best use each other's strengths. Ministry of Science and Technology proposes to the State Bank of Vietnam needs to hold a coordination With the concerned ministries propose a mechanism of policies to support innovation in Fintech, at the same time, to coordinate with the concerned ministries in studying the construction mechanism of Fintech operations and lending activities Good peoring in Vietnam, proceeding to build a suitable legal corridor for this field. . Dịch vụ:
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