{"id":4211,"date":"2019-12-20T09:44:05","date_gmt":"2019-12-20T09:44:05","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4211"},"modified":"2023-10-17T04:26:38","modified_gmt":"2023-10-17T04:26:38","slug":"hieu-dung-ve-kyc-va-ekyc-trong-banking-la-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/hieu-dung-ve-kyc-va-ekyc-trong-banking-la-nhu-the-nao\/","title":{"rendered":"Hi\u1ec3u \u0111\u00fang v\u1ec1 KYC v\u00e0 eKYC trong banking l\u00e0 nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"

KYC <\/strong>l\u00e0 g\u00ec? eKYC <\/strong>l\u00e0 g\u00ec?\u00a0 T\u1ea1i sao KYC l\u1ea1i tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n trong ng\u00e0nh t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng. H\u00e3y c\u00f9ng ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u!<\/span><\/p>\n

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\"Nh\u1eadn Nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng th\u1ee7 c\u00f4ng th\u01b0\u1eddng b\u1eb1ng ID\u00a0<\/em><\/p>\n

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KYC l\u00e0 g\u00ec?<\/b><\/h2>\n

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KYC<\/strong> <\/a>(Know Your Customer) c\u00f3 ngh\u0129a l\u00e0 Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1<\/span>n, l\u00e0 quy tr\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng khi tham gia v\u00e0o m\u1edf t\u00e0i kho\u1ea3n.<\/span><\/p>\n

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N\u00f3i c\u00e1ch kh\u00e1c, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd th\u1ef1c s\u1ef1 l\u00e0 ng\u01b0\u1eddi m\u00e0 h\u1ecd \u0111\u00e3 \u0111\u0103ng k\u00fd. C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i m\u1edf t\u00e0i kho\u1ea3n ho\u1eb7c t\u1ea1m d\u1eebng m\u1ed1i quan h\u1ec7 kinh doanh n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u KYC t\u1ed1i thi\u1ec3u. <\/span><\/p>\n

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T\u1ea1i sao qu\u00e1 tr\u00ecnh KYC quan tr\u1ecdng?<\/b><\/h2>\n

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KYC<\/strong> l\u00e0 kh\u00e2u \u0111\u1ea7u ti\u00ean trong t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng b\u1edfi tr\u01b0\u1edbc khi \u0111\u1ec3 kh\u00e1ch h\u00e0ng b\u01b0\u1edbc v\u00e0o h\u00e0nh tr\u00ecnh s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh th\u00ec ng\u00e2n h\u00e0ng hay t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i nh\u1eadn bi\u1ebft v\u1ec1 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. Ngo\u00e0i ra, vi\u1ec7c bi\u1ebft \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh l\u00e0 ai c\u00f2n gi\u00fap cho ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh danh t\u00ednh, m\u1ecdi th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng. T\u1eeb \u0111\u00f3, \u0111\u01b0a h\u1ecd v\u00e0o h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t t\u1ed1t h\u01a1n.<\/span><\/p>\n

C\u00e1c th\u1ee7 t\u1ee5c <\/strong>KYC<\/strong> \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng, li\u00ean quan \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c h\u00e0nh \u0111\u1ed9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd l\u00e0 c\u00f3 th\u1eadt, \u0111\u00e1nh gi\u00e1 v\u00e0 gi\u00e1m s\u00e1t r\u1ee7i ro. C\u00e1c quy tr\u00ecnh n\u00e0y gi\u00fap ng\u0103n ng\u1eeba gian l\u1eadn v\u00e0 x\u00e1c \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh tham nh\u0169ng b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c.<\/span><\/p>\n

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>> <\/span>T\u00ecm hi\u1ec3u v\u1ec1 l\u1ee3i \u00edch c\u1ee7a KYC \u1ee9ng d\u1ee5ng v\u00e0o l\u0129nh v\u1ef1c t<\/span>\u00e0i ch\u00ednh ng\u00e2n <\/span>h\u00e0ng<\/span><\/a><\/p>\n

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Quy tr\u00ecnh KYC th\u1ef1c hi\u1ec7n nh\u01b0 th\u1ebf n\u00e0o?<\/b><\/h2>\n

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Quy tr\u00ecnh KYC<\/strong><\/a> bao g\u1ed3m x\u00e1c minh th\u1ebb ID, x\u00e1c minh khu\u00f4n m\u1eb7t, x\u00e1c minh t\u00e0i li\u1ec7u nh\u01b0 h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch l\u00e0m b\u1eb1ng ch\u1ee9ng \u0111\u1ecba ch\u1ec9 hay thu nh\u1eadp c\u00e1 nh\u00e2n v\u00e0 x\u00e1c minh sinh tr\u1eafc h\u1ecdc. C\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh KYC v\u00e0 c\u00e1c quy \u0111\u1ecbnh ch\u1ed1ng r\u1eeda ti\u1ec1n \u0111\u1ec3 h\u1ea1n ch\u1ebf gian l\u1eadn. T<\/span>r\u00e1ch nhi\u1ec7m tu\u00e2n th\u1ee7 KYC thu\u1ed9c v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng, tong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tu\u00e2n th\u1ee7, h\u00ecnh ph\u1ea1t n\u1eb7ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/span><\/p>\n

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\"KYC C\u00e1c b\u01b0\u1edbc x\u00e1c minh ID\u00a0<\/em><\/p>\n

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eKYC Vi\u1ec7t Nam<\/strong> \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

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T\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft cho quy tr\u00ecnh KYC<\/b><\/h2>\n

\u00a0<\/span><\/p>\n

Ki\u1ec3m tra KYC \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u1ed9t ngu\u1ed3n t\u00e0i li\u1ec7u, d\u1eef li\u1ec7u ho\u1eb7c th\u00f4ng tin \u0111\u1ed9c l\u1eadp v\u00e0 \u0111\u00e1ng tin c\u1eady. M\u1ed7i kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cung c\u1ea5p th\u00f4ng tin \u0111\u0103ng nh\u1eadp \u0111\u1ec3 ch\u1ee9ng minh danh t\u00ednh v\u00e0 \u0111\u1ecba ch\u1ec9. C\u00e1c t\u00e0i li\u1ec7u c\u1ea7n cho quy tr\u00ecnh KYC:<\/span><\/p>\n