{"id":9903,"date":"2020-10-22T10:39:18","date_gmt":"2020-10-22T10:39:18","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=9903"},"modified":"2024-06-04T17:03:50","modified_gmt":"2024-06-04T10:03:50","slug":"ung-dung-giai-phap-ekyc-vao-quy-trinh-cho-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/ung-dung-giai-phap-ekyc-vao-quy-trinh-cho-vay-tieu-dung\/","title":{"rendered":"\u1ee8ng d\u1ee5ng gi\u1ea3i ph\u00e1p eKYC v\u00e0o quy tr\u00ecnh cho vay ti\u00eau d\u00f9ng"},"content":{"rendered":"

Xu h\u01b0\u1edbng tri\u1ec3n khai eKYC r\u1ed9ng r\u00e3i cho nhi\u1ec1u ng\u00e0nh t\u1ea1i Vi\u1ec7t Nam<\/strong><\/h2>\n

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Gi\u1eefa l\u00e0n s\u00f3ng c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh (Fintech), nhi\u1ec1u t\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng \u0111\u00e3 cho ra m\u1eaft nhi\u1ec1u \u1ee9ng d\u1ee5ng v\u1edbi nh\u1eefng gi\u1ea3i ph\u00e1p ti\u00ean ti\u1ebfn v\u1ec1 \u0110\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed<\/strong><\/a> (eKYC).<\/p>\n

Kh\u00f4ng n\u1eb1m ngo\u00e0i d\u00f2ng ch\u1ea3y c\u1ee7a cu\u1ed9c \u0111ua, ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam c\u0169ng ra ngh\u1ecb \u0111\u1ecbnh 87\/2019\/N\u0110-CP s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 116\/2013\/N\u0110-CP h\u01b0\u1edbng d\u1eabn Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, c\u00f3 \u0111i\u1ec3m s\u1eeda \u0111\u1ed5i quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn vi\u1ec7c tri\u1ec3n khai \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng theo ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed (e-KYC), \u0111\u00f3 l\u00e0 cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh g\u1eb7p m\u1eb7t ho\u1eb7c kh\u00f4ng g\u1eb7p m\u1eb7t kh\u00e1ch h\u00e0ng l\u1ea7n \u0111\u1ea7u khi th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 m\u1edbi.<\/p>\n

eKYC<\/strong><\/a> l\u00e0 quy tr\u00ecnh x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, ph\u00e1t hi\u1ec7n l\u1eeba \u0111\u1ea3o trong m\u1ed7i giao d\u1ecbch, cho d\u00f9 \u0111\u00f3 l\u00e0 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n, \u0111\u0103ng k\u00fd vay ho\u1eb7c thanh to\u00e1n. V\u1edbi eKYC, ng\u01b0\u1eddi \u00a0d\u00f9ng kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn chi nh\u00e1nh c\u00e1c t\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n, \u0111\u0103ng k\u00fd kho\u1ea3n vay v\u00e0 c\u00f4ng ty T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ea7n t\u1ed1n qu\u00e1 nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 x\u00e1c minh kh\u00e1ch h\u00e0ng tham gia.<\/p>\n

\u0110\u00e2y l\u00e0 b\u01b0\u1edbc b\u1eadt nh\u1ea3y \u0111\u1ea7u ti\u00ean cho \u201cl\u00e0n s\u00f3ng\u201d s\u1ed1 h\u00f3a to\u00e0n ph\u1ea7n m\u00e0 m\u1ecdi doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb chinh ph\u1ee5c. eKYC s\u1ebd tr\u1edf th\u00e0nh v\u0169 kh\u00ed m\u1ea1nh m\u1ebd v\u00e0 thi\u1ebft y\u1ebfu cho b\u1ea5t k\u1ef3 doanh nghi\u1ec7p T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng n\u00e0o mu\u1ed1n \u1edf l\u1ea1i cu\u1ed9c ch\u01a1i.<\/p>\n

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T\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng \u0111ang \u1ee9ng d\u1ee5ng eKYC v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho vay<\/strong><\/h2>\n

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Cho vay ti\u00eau d\u00f9ng l\u00e0 h\u00ecnh th\u1ee9c cho vay r\u1ea5t ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi hi\u1ec7n nay. T\u1ea1i Vi\u1ec7t Nam, m\u1eb7c d\u00f9 ch\u1ec9 m\u1edbi ph\u00e1t tri\u1ec3n m\u1ea1nh trong v\u00e0i n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, song ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng l\u00e0 r\u1ea5t l\u1edbn. S\u1ef1 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n n\u00e0o c\u0169ng \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc.<\/p>\n

C\u00f9ng v\u1edbi xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng eKYC v\u00e0o quy tr\u00ecnh onboarding<\/strong><\/a> cho kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c Ng\u00e2n h\u00e0ng, nhi\u1ec1u t\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh c\u0169ng \u0111ang \u1ee9ng d\u1ee5ng eKYC v\u00e0o quy tr\u00ecnh cho vay<\/strong><\/a> c\u1ee7a m\u00ecnh. Nh\u1eb1m m\u1ee5c \u0111\u00edch mu\u1ed1n ti\u1ebft ki\u1ec7m th\u1eddi gian cho kh\u00e1ch h\u00e0ng thay v\u00ec ph\u1ea3i \u0111\u1ebfn t\u1ed5 ch\u1ee9c \u0111\u1ec3 n\u1ed9p v\u00e0 b\u1ed5 sung h\u1ed3 s\u01a1 2-3 l\u1ea7n th\u00ec m\u1edbi c\u00f3 th\u1ec3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c vay.<\/p>\n

V\u1edbi gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a>, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n t\u1ea3i \u1ee9ng d\u1ee5ng v\u1ec1 \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c s\u1eed d\u1ee5ng ch\u00fang tr\u00ean website. \u1ede b\u1ea5t c\u1ee9 \u0111\u00e2u, b\u1ea5t c\u1ee9 l\u00fac n\u00e0o kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n vay, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n ch\u1ee5p h\u00ecnh t\u00e0i li\u1ec7u v\u00e0 n\u1ed9p h\u1ed3 s\u01a1 tr\u1ef1c tuy\u1ebfn v\u00e0 b\u1ed5 sung ch\u00fang khi c\u1ea7n thi\u1ebft m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn t\u1ed5 ch\u1ee9c n\u1eefa nhi\u1ec1u. \u1ee8ng d\u1ee5ng s\u1ebd t\u1ef1 nh\u1eadn d\u1ea1ng c\u00e1c th\u00f4ng tin v\u00e0 h\u00ecnh \u1ea3nh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u00ean gi\u1ea5y t\u1edd t\u00f9y th\u00e2n (CMND ho\u1eb7c C\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n c\u00f2n h\u1ea1n) so v\u1edbi h\u00ecnh ch\u1ee5p \u0111\u1ec3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c vay tr\u1ef1c tuy\u1ebfn.<\/p>\n

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\"Gi\u1ea3i<\/p>\n

Gi\u1ea3i ph\u00e1p eKYC c\u00f3 th\u1ec3 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng, h\u1ea1n ch\u1ebf sai s\u00f3t v\u00e0 gian l\u1eadn t\u00e0i ch\u00ednh<\/em><\/p>\n

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\u0110\u1ed3ng th\u1eddi, \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p eKYC v\u00e0o cho vay<\/strong><\/a> c\u0169ng gi\u00fap cho c\u00e1c t\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i m\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0 h\u1ea1n ch\u1ebf t\u1ed1i thi\u1ec3u sai s\u00f3t do vi\u1ec7c \u0111i\u1ec1n v\u00e0 \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin kh\u00e1ch h\u00e0ng cung c\u1ea5p. B\u1edfi t\u1ed5n th\u1ea5t cho vi\u1ec7c n\u00e0y g\u00e2y ra l\u00e0 c\u1ef1c k\u1ef3 nghi\u00eam tr\u1ecdng. Ngo\u00e0i ra, c\u00f3 th\u1ec3 gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng r\u00fat ng\u1eafn th\u1eddi gian th\u1ea9m \u0111\u1ecbnh vay cho kh\u00e1ch h\u00e0ng t\u1eeb 5-6 ng\u00e0y cho \u0111\u1ebfn v\u00e0i tu\u1ea7n xu\u1ed1ng c\u00f2n 1-2 ng\u00e0y ho\u1eb7c th\u1eadm ch\u00ed c\u00f3 th\u1ec3 l\u00e0 v\u00e0i gi\u1edd, v\u00e0i ph\u00fat v\u00e0 c\u00f3 th\u1ec3 giao d\u1ecbch \u0111\u01b0\u1ee3c ngay.<\/p>\n

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T\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 h\u01b0\u1edbng \u1ee9ng d\u1ee5ng c\u1ee7a m\u00ecnh v\u1edbi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng nh\u01b0:<\/strong><\/h3>\n

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