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N??C VI?T NAM -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?: 41/2024/TT-NHNNH? N?i, ng?y 17 th?ng 7 nm 2024?TH?NG T?QUY ?NH V? GI?M S?T V? TH?C HI?N GI?M S?T C?C H? TH?NG THANH TO?N QUAN TR?NG, HO?T ?NG CUNG ?NG D?CH V? TRUNG GIAN THANH TO?NCn c? Lu?t Ng?n h?ng Nh? n??c Vi?t Nam ng?y 16 th?ng 6 nm 2010;Cn c? Lu?t C?c t? ch?c t?n d?ng ng?y 18 th?ng 01 nm 2024;Cn c? Ngh? ?nh s? 102/2022/N-CP ng?y 12 th?ng 12 nm 2022 c?a Ch?nh ph? quy ?nh v? ch?c nng, nhi?m v?, quy?n h?n v? c? c?u t? ch?c c?a Ng?n h?ng Nh? n??c Vi?t Nam;Cn c? Ngh? ?nh s? 52/2024/N-CP ng?y 15 th?ng 5 nm 2024 c?a Ch?nh ph? quy ?nh v? thanh to?n kh?ng d?ng ti?n m?t;Theo ? ngh? c?a V? tr??ng V? Thanh to?n;Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam ban h?nh Th?ng t? quy ?nh v? gi?m s?t v? th?c hi?n gi?m s?t c?c h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.Ch??ng IQUY ?NH CHUNGi?u 1. Ph?m vi i?u ch?nhTh?ng t? n?y quy ?nh v? gi?m s?t v? th?c hi?n gi?m s?t c?c h? th?ng thanh to?n quan tr?ng; gi?m s?t v? th?c hi?n gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n c?a t? ch?c ??c Ng?n h?ng Nh? n??c Vi?t Nam c?p Gi?y ph?p ho?t ?ng, cung ?ng d?ch v? trung gian thanh to?n (sau ?y g?i l? t? ch?c cung ?ng d?ch v? trung gian thanh to?n).i?u 2. ?i t??ng ?p d?ng1. ?n v? gi?m s?t.2. ?n v? v?n h?nh H? th?ng Thanh to?n i?n t? li?n ng?n h?ng Qu?c gia (sau ?y g?i l? H? th?ng TTLNH Qu?c gia).3. C?c t? ch?c v?n h?nh h? th?ng thanh to?n quan tr?ng.4. C?c t? ch?c cung ?ng d?ch v? trung gian thanh to?n.5. C?c ng?n h?ng h?p t?c cung ?ng d?ch v? trung gian thanh to?n (sau ?y g?i l? ng?n h?ng h?p t?c).6. C?c t? ch?c, c? nh?n c? li?n quan ?n gi?m s?t h? th?ng thanh to?n quan tr?ng, gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.i?u 3. Gi?i th?ch t? ng?Trong Th?ng t? n?y, c?c t? ng? d??i ?y ??c hi?u nh? sau:1. C?c h? th?ng thanh to?n quan tr?ng bao g?m H? th?ng TTLNH Qu?c gia; h? th?ng thanh to?n ngo?i t?; h? th?ng thanh to?n ti?n giao d?ch ch?ng kho?n; h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh thu?c Danh m?c h? th?ng thanh to?n quan tr?ng theo Ph? l?c II ban h?nh k?m theo Th?ng t? n?y.2. ?n v? gi?m s?t l? ?n v? thu?c c? c?u t? ch?c c?a Ng?n h?ng Nh? n??c Vi?t Nam (sau ?y g?i l? Ng?n h?ng Nh? n??c) ??c giao nhi?m v? gi?m s?t c?c h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.3. ?n v? v?n h?nh H? th?ng TTLNH Qu?c gia l? ?n v? tr?c ti?p v?n h?nh H? th?ng TTLNH Qu?c gia.4. T? ch?c v?n h?nh h? th?ng thanh to?n quan tr?ng (sau ?y g?i l? t? ch?c v?n h?nh) l? t? ch?c tr?c ti?p v?n h?nh h? th?ng thanh to?n ngo?i t?; h? th?ng thanh to?n ti?n giao d?ch ch?ng kho?n; h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh.5. Gi?m s?t h? th?ng thanh to?n quan tr?ng l? vi?c theo d?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng; ki?m tra, ?nh gi? h? th?ng thanh to?n quan tr?ng v? ?a ra c?nh b?o, khuy?n ngh? (n?u c?n thi?t) ? g?p ph?n tng c??ng ?m b?o s? ho?t ?ng ?n ?nh, an to?n c?a c?c h? th?ng thanh to?n quan tr?ng trong n?n kinh t?.6. Gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n l? vi?c theo d?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n; ki?m tra, ?nh gi? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n v? ?a ra c?nh b?o, khuy?n ngh? (n?u c?n thi?t).i?u 4. Bi?n ph?p gi?m s?t?n v? gi?m s?t th?c hi?n gi?m s?t h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n th?ng qua c?c bi?n ph?p:1. Theo d?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.2. Ki?m tra t?i ch? ?i v?i h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.3. ?nh gi? h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.4. C?nh b?o, khuy?n ngh? trong gi?m s?t h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.Ch??ng IIGI?M S?T C?C H? TH?NG THANH TO?N QUAN TR?NGi?u 5. N?i dung gi?m s?t c?c h? th?ng thanh to?n quan tr?ng1. T?nh h?nh ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng bao g?m th?ng tin v? th?i gian ho?t ?ng, t?nh h?nh th?nh vi?n tham gia, t?nh h?nh giao d?ch qua h? th?ng.2. Ho?t ?ng qu?n tr? r?i ro ?i v?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng bao g?m x?y d?ng ch?nh s?ch, quy tr?nh qu?n l? r?i ro v? ho?t ?ng tri?n khai.3. Vi?c tu?n th? c?c quy ?nh ph?p lu?t li?n quan ?n qu?n l?, v?n h?nh h? th?ng thanh to?n quan tr?ng.4. Nh?ng thay ?i trong ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng bao g?m thay ?i v? quy tr?nh nghi?p v?, quy ch? th?nh vi?n c?a h? th?ng.i?u 6. Theo d?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng?n v? gi?m s?t theo d?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng th?ng qua vi?c:1. Thu th?p t?i li?u, th?ng tin, d? li?u ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng t? c?c ngu?n:a) S? li?u ho?t ?ng c?a H? th?ng TTLNH Qu?c gia theo Ph? l?c III ban h?nh k?m theo Th?ng t? n?y ??c thu th?p, khai th?c t? c?c h? th?ng th?ng tin c? li?n quan c?a Ng?n h?ng Nh? n??c;b) C?c b?o c?o theo quy ?nh c?a Th?ng ?c Ng?n h?ng Nh? n??c v? ch? ? b?o c?o th?ng k?;c) C?c b?o c?o, th?ng tin cung c?p c?a t? ch?c v?n h?nh theo quy ?nh t?i i?u 16 Th?ng t? n?y;d) T?i li?u, th?ng tin, d? li?u thu th?p ??c th?ng qua ho?t ?ng ki?m tra t?i ch? theo quy ?nh t?i i?u 7 Th?ng t? n?y;) T?i li?u, th?ng tin, d? li?u thu th?p ??c th?ng qua h? th?ng th?ng tin gi?m s?t tr?c tuy?n ?i v?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng theo y?u c?u t? th?c t? gi?m s?t;e) Th?ng tin ph?n ?nh c?a c?c th?nh vi?n tham gia h? th?ng thanh to?n quan tr?ng, kh?ch h?ng s? d?ng d?ch v? thanh to?n; th?ng tin ph?n ?nh tr?n c?c ph??ng ti?n th?ng tin ?i ch?ng;g) Th?ng tin li?n quan ?n c?c h? th?ng thanh to?n quan tr?ng do c? quan c? th?m quy?n cung c?p, ph?n ?nh;h) C?c th?ng tin kh?c ph?c v? c?ng t?c gi?m s?t c?c h? th?ng thanh to?n quan tr?ng.2. X? l?, t?ng h?p t?i li?u, th?ng tin, d? li?ua) So s?nh, ?i chi?u t?i li?u, th?ng tin, d? li?u thu th?p ??c v?i c?c d? li?u l?ch s? ? ph?t hi?n c?c bi?n ?ng b?t th??ng;b) So s?nh, ?i chi?u t?i li?u, th?ng tin, d? li?u thu th?p ??c t? c?c ngu?n kh?c nhau;c) Nh?n ?nh, ?nh gi? v? t?nh h?p l? c?a t?i li?u, th?ng tin, d? li?u thu th?p ??c; tr??ng h?p ph?t hi?n t?i li?u, th?ng tin, d? li?u b? thi?u, l?i, sai ho?c kh?ng ph? h?p, ?n v? gi?m s?t y?u c?u t? ch?c v?n h?nh, ?n v? v?n h?nh H? th?ng TTLNH Qu?c gia b?o c?o, gi?i tr?nh k?p th?i v? g?i l?i th?ng tin ch?nh x?c;d) T?ng h?p, ph?n t?ch c?c t?i li?u, th?ng tin, d? li?u ? thu th?p, so s?nh, ?i chi?u.i?u 7. Ki?m tra t?i ch? ?i v?i h? th?ng thanh to?n quan tr?ng1. ?n v? gi?m s?t tr?nh Th?ng ?c Ng?n h?ng Nh? n??c th?nh l?p o?n ki?m tra ? ti?n h?nh ki?m tra t?i ?a i?m l?m vi?c c?a t? ch?c v?n h?nh trong tr??ng h?p ?n v? gi?m s?t ph?t hi?n t?i li?u, th?ng tin, d? li?u do t? ch?c v?n h?nh cung c?p b? thi?u, l?i, sai ho?c kh?ng ph? h?p nh?ng ch?a kh?c ph?c ho?c ph?t hi?n nh?ng v?n ? c? li?n quan ?n r?i ro c?n thu th?p th?m t?i li?u, th?ng tin, d? li?u.2. Th?ng ?c Ng?n h?ng Nh? n??c ban h?nh quy?t ?nh ki?m tra. Quy?t ?nh ki?m tra bao g?m c?c n?i dung sau ?y: t?n t? ch?c v?n h?nh, n?i dung, th?i gian, ?a i?m ki?m tra; th?nh ph?n o?n ki?m tra; t?i li?u, th?ng tin, d? li?u y?u c?u t? ch?c v?n h?nh ki?m tra b?o c?o, cung c?p cho o?n ki?m tra (n?u c?n thi?t) v? g?i t? ch?c v?n h?nh ch?m nh?t 05 ng?y l?m vi?c tr??c ng?y d? ki?n ki?m tra.3. T? ch?c v?n h?nh c? tr?ch nhi?m chu?n b? ?y ? n?i dung ph?c v? vi?c ki?m tra; b?o c?o, cung c?p t?i li?u, th?ng tin, d? li?u v? quy?n truy c?p v?o h? th?ng c?ng ngh? th?ng tin ? ph?c v? vi?c ki?m tra; gi?i tr?nh, l?m r? nh?ng v?n ? c? li?n quan ?n n?i dung ki?m tra khi c? y?u c?u.4. o?n ki?m tra ti?n h?nh ki?m tra, l?p bi?n b?n l?m vi?c v? k?t qu? ki?m tra v? k? x?c nh?n gi?a ?i di?n o?n ki?m tra v? ?i di?n c? th?m quy?n c?a t? ch?c v?n h?nh, bao g?m c?c n?i dung sau ?y: t?n t? ch?c v?n h?nh, n?i dung, k?t qu? ki?m tra; ? xu?t, khuy?n ngh? c?c bi?n ph?p x? l? k?t qu? ki?m tra (n?u c?); th?i h?n kh?c ph?c, b?o c?o k?t qu? th?c hi?n khuy?n ngh? (n?u c?). Bi?n b?n l?m vi?c ??c l?p th?nh 02 b?n, t? ch?c v?n h?nh gi? 01 b?n ? th?c hi?n c?c khuy?n ngh? c?a o?n ki?m tra.5. T? ch?c v?n h?nh c? tr?ch nhi?m th?c hi?n k?p th?i, ?y ? c?c khuy?n ngh? c?a o?n ki?m tra v? b?o c?o vi?c th?c hi?n c?c khuy?n ngh? theo th?i h?n ??c y?u c?u.6. o?n ki?m tra b?o c?o Th?ng ?c Ng?n h?ng Nh? n??c k?t qu? ki?m tra trong v?ng 30 ng?y l?m vi?c k? t? ng?y k?t th?c vi?c ki?m tra.7. ?n v? gi?m s?t c? tr?ch nhi?m theo d?i, ?n ?c vi?c th?c hi?n c?c khuy?n ngh? c?a t? ch?c v?n h?nh.i?u 8. ?nh gi? h? th?ng thanh to?n quan tr?ng1. Cn c? c?c t?i li?u, th?ng tin, d? li?u thu th?p ??c theo quy ?nh t?i i?u 6 Th?ng t? n?y, ?n v? gi?m s?t x?y d?ng b?o c?o gi?m s?t tr?nh Th?ng ?c Ng?n h?ng Nh? n??c:a) B?o c?o ?nh k? 6 th?ng ?u nm, ?nh k? nm ?i v?i h? th?ng thanh to?n quan tr?ng;b) B?o c?o ?t xu?t v? r?i ro, s? c? ph?t sinh c?a h? th?ng thanh to?n quan tr?ng.2. ?n v? gi?m s?t ?nh gi? H? th?ng TTLNH Qu?c gia theo M?u s? 04 Ph? l?c I ban h?nh k?m theo Th?ng t? n?y ?nh k? 03 nm m?t l?n v? tr?nh Th?ng ?c Ng?n h?ng Nh? n??c k?t qu? ?nh gi?.i?u 9. C?nh b?o, khuy?n ngh? trong gi?m s?t h? th?ng thanh to?n quan tr?ng1. Tr??ng h?p ?n v? gi?m s?t ph?t hi?n v?n ? r?i ro ti?m ?n c? nguy c? ?nh h??ng ?n ?n ?nh, an to?n ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng ho?c d?n ?n vi?c t? ch?c v?n h?nh kh?ng tu?n th? quy ?nh ph?p lu?t v? h? th?ng thanh to?n quan tr?ng, ?n v? gi?m s?t b?o c?o, ? xu?t Th?ng ?c Ng?n h?ng Nh? n??c c? vn b?n c?nh b?o, khuy?n ngh? ?i v?i t? ch?c v?n h?nh.2. T? ch?c v?n h?nh c? tr?ch nhi?m th?c hi?n k?p th?i, ?y ? c?c khuy?n ngh? c?a ?n v? gi?m s?t v? b?o c?o vi?c th?c hi?n c?c khuy?n ngh? theo th?i h?n ??c y?u c?u.Ch??ng IIIGI?M S?T HO?T ?NG CUNG ?NG D?CH V? TRUNG GIAN THANH TO?Ni?u 10. N?i dung gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n1. Vi?c tu?n th? quy ?nh ph?p lu?t v? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.2. Ho?t ?ng qu?n tr? r?i ro trong cung ?ng d?ch v? trung gian thanh to?n bao g?m x?y d?ng ch?nh s?ch, quy tr?nh qu?n l? r?i ro v? ho?t ?ng tri?n khai.i?u 11. Theo d?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n?n v? gi?m s?t theo d?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n th?ng qua vi?c:1. Thu th?p t?i li?u, th?ng tin, d? li?u ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n t? c?c ngu?n:a) C?c b?o c?o theo quy ?nh c?a Th?ng ?c Ng?n h?ng Nh? n??c v? ch? ? b?o c?o th?ng k?;b) C?c b?o c?o, th?ng tin cung c?p c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n theo quy ?nh t?i i?u 17 Th?ng t? n?y;c) C?c b?o c?o, th?ng tin cung c?p c?a ng?n h?ng h?p t?c theo quy ?nh t?i i?u 18 Th?ng t? n?y;d) T?i li?u, th?ng tin, d? li?u thu th?p ??c th?ng qua ho?t ?ng thanh tra, ki?m tra theo quy ?nh ph?p lu?t;) T?i li?u, th?ng tin, d? li?u thu th?p ??c th?ng qua h? th?ng th?ng tin gi?m s?t tr?c tuy?n do Ng?n h?ng Nh? n??c x?y d?ng (sau ?y g?i l? h? th?ng th?ng tin gi?m s?t tr?c tuy?n) ??c quy ?nh t?i kho?n 3 i?u 20 Th?ng t? n?y;e) Th?ng tin ph?n ?nh c?a kh?ch h?ng s? d?ng d?ch v? trung gian thanh to?n; th?ng tin ph?n ?nh tr?n c?c ph??ng ti?n th?ng tin ?i ch?ng;g) Th?ng tin li?n quan ?n ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n do c? quan c? th?m quy?n cung c?p, ph?n ?nh;h) C?c th?ng tin kh?c ph?c v? c?ng t?c gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n do ?n v? gi?m s?t y?u c?u t? ch?c cung ?ng d?ch v? trung gian thanh to?n, ng?n h?ng h?p t?c cung c?p.2. X? l?, t?ng h?p t?i li?u, th?ng tin, d? li?ua) So s?nh, ?i chi?u t?i li?u, th?ng tin, d? li?u thu th?p ??c v?i c?c d? li?u l?ch s? ? ph?t hi?n c?c bi?n ?ng b?t th??ng;b) So s?nh, ?i chi?u t?i li?u, th?ng tin, d? li?u thu th?p ??c t? c?c ngu?n kh?c nhau;c) Nh?n ?nh, ?nh gi? v? t?nh h?p l? c?a t?i li?u, th?ng tin, d? li?u thu th?p ??c; tr??ng h?p ph?t hi?n t?i li?u, th?ng tin, d? li?u b? thi?u, l?i, sai ho?c kh?ng ph? h?p, ?n v? gi?m s?t y?u c?u t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o, gi?i tr?nh k?p th?i v? g?i l?i th?ng tin ch?nh x?c;d) T?ng h?p, ph?n t?ch c?c t?i li?u, th?ng tin, d? li?u ? thu th?p, so s?nh, ?i chi?u.i?u 12. Ki?m tra t?i ch? ?i v?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n1. ?n v? gi?m s?t th?c hi?n ki?m tra t?i tr? s? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n theo k? ho?ch ki?m tra h?ng nm c?a Ng?n h?ng Nh? n??c; ki?m tra ?t xu?t tr?n c? s? y?u c?u qu?n l? v? t?nh h?nh th?c t? ho?c tr?n c? s? y?u c?u, ? ngh?, ph?n ?nh c?a c? quan c? th?m quy?n, t? ch?c, c? nh?n ho?c khi c? y?u c?u, ch? ?o c?a Th?ng ?c Ng?n h?ng Nh? n??c.2. Tr?nh t?, th? t?c ki?m tra v? x? l? k?t qu? ki?m tra, ki?n ngh? sau ki?m tra th?c hi?n theo quy ?nh c?a Th?ng ?c Ng?n h?ng Nh? n??c v? ho?t ?ng ki?m tra vi?c ch?p h?nh ch?nh s?ch, ph?p lu?t v? ti?n t? v? ng?n h?ng.3. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m chu?n b? ?y ? n?i dung ph?c v? vi?c ki?m tra; b?o c?o, cung c?p t?i li?u, th?ng tin, d? li?u v? quy?n truy c?p v?o h? th?ng c?ng ngh? th?ng tin ? ph?c v? vi?c ki?m tra; gi?i tr?nh, l?m r? nh?ng v?n ? c? li?n quan ?n n?i dung ki?m tra khi c? y?u c?u v? th?c hi?n c?c tr?ch nhi?m kh?c theo quy ?nh c?a Th?ng ?c Ng?n h?ng Nh? n??c v? ho?t ?ng ki?m tra vi?c ch?p h?nh ch?nh s?ch, ph?p lu?t v? ti?n t? v? ng?n h?ng.i?u 13. ?nh gi? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?nCn c? c?c t?i li?u, th?ng tin, d? li?u thu th?p ??c theo quy ?nh t?i i?u 11 v? i?u 12 Th?ng t? n?y, ?n v? gi?m s?t ?nh gi? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n v? x?y d?ng b?o c?o gi?m s?t tr?nh Th?ng ?c Ng?n h?ng Nh? n??c:1. B?o c?o ?nh k? 6 th?ng ?u nm, ?nh k? nm ?i v?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.2. B?o c?o ?t xu?t v? r?i ro, s? c? ph?t sinh li?n quan ?n ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.i?u 14. C?nh b?o, khuy?n ngh? trong gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n1. Tr??ng h?p ?n v? gi?m s?t ph?t hi?n v?n ? r?i ro c? nguy c? ?nh h??ng ?n an to?n ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n ho?c d?n ?n vi?c kh?ng tu?n th? c?c quy ?nh ph?p lu?t v? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n, ?n v? gi?m s?t b?o c?o, ? xu?t Th?ng ?c Ng?n h?ng Nh? n??c c? vn b?n c?nh b?o, khuy?n ngh? ?i v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n, ng?n h?ng h?p t?c.2. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m th?c hi?n k?p th?i, ?y ? c?c khuy?n ngh? c?a ?n v? gi?m s?t v? b?o c?o vi?c th?c hi?n c?c khuy?n ngh? theo th?i h?n ??c y?u c?u.Ch??ng IVB?O C?O, CUNG C?P TH?NG TINi?u 15. Ph??ng th?c, ?nh k? v? th?i h?n b?o c?o1. Ph??ng th?c b?o c?oB?o c?o i?n t? th? hi?n d??i d?ng t?p (file) d? li?u i?n t? ho?c d?ng tin i?n ??c truy?n qua m?ng m?y t?nh ho?c g?i qua v?t mang tin, c? ch? k? i?n t? c?a ng??i ?i di?n h?p ph?p c?a t? ch?c b?o c?o theo ?ng k? hi?u, m? truy?n tin, c?u tr?c t?p do Ng?n h?ng Nh? n??c quy ?nh. B?o c?o ??c g?i ?n Ng?n h?ng Nh? n??c b?ng m?t trong c?c ph??ng th?c sau:a) G?i qua h? th?ng th?ng tin b?o c?o c?a Ng?n h?ng Nh? n??c (sau ?y g?i l? h? th?ng th?ng tin b?o c?o);b) G?i qua h? th?ng th?ng tin gi?m s?t tr?c tuy?n;c) C?c ph??ng th?c i?n t? kh?c do Ng?n h?ng Nh? n??c h??ng d?n.2. ?nh k? v? th?i h?n b?o c?oa) K? b?o c?o ng?y ??c x?c ?nh t? 0 gi? - 24 gi? c?a 01 ng?y, th?i h?n g?i b?o c?o ch?m nh?t v?o 14 gi? ng?y l?m vi?c ti?p theo ngay sau k? b?o c?o;b) K? b?o c?o th?ng ??c t?nh t? ng?y ?u ti?n ?n ng?y cu?i c?ng c?a th?ng, th?i h?n g?i b?o c?o ch?m nh?t v?o ng?y 12 c?a th?ng ti?p theo ngay sau k? b?o c?o;c) K? b?o c?o qu? ??c t?nh t? ng?y ?u ti?n c?a th?ng ?u qu? ?n h?t ng?y cu?i c?ng c?a th?ng cu?i qu?, th?i h?n g?i b?o c?o ch?m nh?t l? ng?y 15 c?a th?ng ?u qu? ti?p theo ngay sau k? b?o c?o;d) K? b?o c?o 6 th?ng ?u nm ??c t?nh t? ng?y 01 th?ng 01 ?n ng?y 30 th?ng 6, th?i h?n g?i b?o c?o ch?m nh?t v?o ng?y 20 c?a th?ng ti?p theo ngay sau k? b?o c?o;) K? b?o c?o nm ??c t?nh t? ng?y 01 th?ng 01 ?n ng?y 31 th?ng 12, th?i h?n g?i b?o c?o ch?m nh?t v?o ng?y 20 c?a th?ng ?u nm ti?p theo ngay sau k? b?o c?o;e) N?u ng?y quy ?nh cu?i c?ng c?a th?i h?n g?i b?o c?o tr?ng v?i ng?y ngh? l?, ngh? T?t ho?c ng?y ngh? cu?i tu?n, th? ng?y g?i b?o c?o l? ng?y l?m vi?c ti?p theo ngay sau ng?y ngh? l?, ngh? T?t ho?c ng?y ngh? cu?i tu?n ?.i?u 16. B?o c?o, cung c?p th?ng tin c?a t? ch?c v?n h?nh1. T? ch?c v?n h?nh c? tr?ch nhi?m b?o c?o cho Ng?n h?ng Nh? n??c v? h? th?ng thanh to?n do m?nh v?n h?nh nh? sau:a) B?o c?o s? li?u ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng theo Ph? l?c IV ban h?nh k?m theo Th?ng t? n?y qua h? th?ng th?ng tin b?o c?o;b) B?o c?o ?nh k? 6 th?ng ?u nm, ?nh k? nm v? t?nh h?nh v?n h?nh h? th?ng thanh to?n quan tr?ng theo M?u s? 01 Ph? l?c I ban h?nh k?m theo Th?ng t? n?y qua h? th?ng th?ng tin b?o c?o;c) B?o c?o ?nh gi? h? th?ng thanh to?n quan tr?ng theo M?u s? 04 Ph? l?c I ban h?nh k?m theo Th?ng t? n?y. B?o c?o n?y ??c th?c hi?n ?nh k? 03 nm m?t l?n theo h??ng d?n c?a Ng?n h?ng Nh? n??c v? ph??ng ph?p th?c hi?n, ti?u chu?n ?p d?ng v? ph??ng th?c, th?i h?n g?i b?o c?o.2. T? ch?c v?n h?nh c? tr?ch nhi?m cung c?p th?ng tin cho ?n v? gi?m s?t ngay khi ph?t hi?n s? c? g?y gi?n o?n qu? 30 ph?t ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng, bao g?m th?ng tin v? th?i i?m ph?t hi?n s? c?, m? t? s? b? s? c? qua ?a ch? th? i?n t? gshttt_vtt@sbv.gov.vn ? n?m b?t v? theo d?i t?nh h?nh x? l? s? c?. Trong th?i h?n 03 ng?y l?m vi?c k? t? ng?y ho?n th?nh kh?c ph?c s? c?, t? ch?c v?n h?nh c? tr?ch nhi?m g?i b?o c?o s? c? theo M?u s? 03 Ph? l?c I ban h?nh k?m theo Th?ng t? n?y qua h? th?ng th?ng tin b?o c?o.3. T? ch?c v?n h?nh c? tr?ch nhi?m cung c?p th?ng tin, t?i li?u li?n quan ?n nh?ng thay ?i v? quy tr?nh nghi?p v?; ch?nh s?ch, quy tr?nh qu?n l? r?i ro; quy ch? th?nh vi?n c?a h? th?ng thanh to?n qua ?a ch? th? i?n t? gshttt_vtt@sbv.gov.vn trong v?ng 15 ng?y l?m vi?c k? t? khi c? s? thay ?i.i?u 17. B?o c?o, cung c?p th?ng tin c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n1. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m b?o c?o t?nh h?nh ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n ?nh k? h?ng qu? (b?o c?o qu? I, II v? III), ?nh k? nm theo M?u s? 02 Ph? l?c I v? Ph? l?c VI ban h?nh k?m theo Th?ng t? n?y qua h? th?ng th?ng tin b?o c?o.2. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m cung c?p th?ng tin cho ?n v? gi?m s?t ngay khi ph?t hi?n s? c? g?y gi?n o?n qu? 30 ph?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n bao g?m th?ng tin v? th?i i?m ph?t hi?n s? c?, m? t? s? b? s? c? qua ?a ch? th? i?n t? gshttt_vtt@sbv.gov.vn ? n?m b?t v? theo d?i t?nh h?nh x? l? s? c?. Trong th?i h?n 03 ng?y l?m vi?c k? t? ng?y ho?n th?nh kh?c ph?c s? c?, t? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m g?i b?o c?o s? c? theo M?u s? 03 Ph? l?c I ban h?nh k?m theo Th?ng t? n?y qua h? th?ng th?ng tin b?o c?o.3. T? ch?c cung ?ng d?ch v? v? i?n t? cung c?p cho ?n v? gi?m s?t b?n sao h?p ?ng ho?c th?a thu?n v?i ng?n h?ng h?p t?c v? vi?c cung ?ng d?ch v? v? i?n t? v? c?c h?p ?ng ho?c th?a thu?n s?a ?i, b? sung (n?u c?) trong th?i h?n 03 ng?y l?m vi?c k? t? ng?y h?p ?ng ho?c th?a thu?n gi?a t? ch?c cung ?ng d?ch v? v? i?n t? v? ng?n h?ng h?p t?c c? hi?u l?c.4. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m x?y d?ng c?ng c? gi?m s?t tr?c tuy?n ? Ng?n h?ng Nh? n??c gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n. C?ng c? gi?m s?t tr?c tuy?n do t? ch?c cung ?ng d?ch v? trung gian thanh to?n t? x?y d?ng ??c k?t n?i v?i h? th?ng th?ng tin gi?m s?t tr?c tuy?n ? b?o c?o c?c th?ng tin:a) T?ng s? l??ng v? t?ng s? d? v? i?n t? theo t?ng lo?i v? (v? ? ph?t h?nh; v? ? ?ng; v? ? k?ch ho?t v? v? ang ho?t ?ng) ph?n theo lo?i kh?ch h?ng (kh?ch h?ng t? ch?c kh?ng ph?i l? ?n v? ch?p nh?n thanh to?n; kh?ch h?ng c? nh?n kh?ng ph?i l? ?n v? ch?p nh?n thanh to?n; ?n v? ch?p nh?n thanh to?n l? c? nh?n v? ?n v? ch?p nh?n thanh to?n l? t? ch?c) theo h??ng d?n c?a Ng?n h?ng Nh? n??c;b) Th?ng tin v? s? d? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? bao g?m t?ng s? d? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t?; th?ng tin c?a t?ng t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? m? t?i c?c ng?n h?ng h?p t?c bao g?m t?n t?i kho?n, s? t?i kho?n, s? d? theo h??ng d?n c?a Ng?n h?ng Nh? n??c.5. T? ch?c cung ?ng d?ch v? trung gian thanh to?n c? tr?ch nhi?m cung c?p c?c th?ng tin theo quy ?nh t?i i?m h kho?n 1 i?u 11 Th?ng t? n?y.i?u 18. B?o c?o, cung c?p th?ng tin c?a ng?n h?ng h?p t?cNg?n h?ng h?p t?c c? tr?ch nhi?m b?o c?o, cung c?p th?ng tin cho Ng?n h?ng Nh? n??c nh? sau:1. B?o c?o t?nh h?nh h?p t?c v?i c?c t? ch?c cung ?ng d?ch v? trung gian thanh to?n theo Ph? l?c V ban h?nh k?m theo Th?ng t? n?y. Vi?c b?o c?o n?y ??c th?c hi?n theo quy ?nh c?a Th?ng ?c Ng?n h?ng Nh? n??c v? ch? ? b?o c?o th?ng k?.2. B?o c?o v? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng h?p t?c, bao g?m s? t?i kho?n, s? d? t?i kho?n, t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? v? s? d?ng t?i kho?n t?i th?i i?m truy v?n qua h? th?ng th?ng tin gi?m s?t tr?c tuy?n.3. Cung c?p c?c th?ng tin theo quy ?nh t?i i?m h kho?n 1 i?u 11 Th?ng t? n?y.Ch??ng VTR?CH NHI?M C?A C?C B?N C? LI?N QUANi?u 19. Tr?ch nhi?m c?a V? Thanh to?n1. Th?c hi?n nhi?m v? c?a ?n v? gi?m s?t theo quy ?nh t?i Th?ng t? n?y.2. Ph?i h?p v?i C?c C?ng ngh? th?ng tin x?y d?ng h? th?ng th?ng tin b?o c?o ? ti?p nh?n, t?ng h?p, khai th?c v? l?u tr? c?c s? li?u, d? li?u, th?ng tin b?o c?o theo quy ?nh t?i i?u 16, i?u 17, i?u 18 Th?ng t? n?y.3. Ph?i h?p v?i C?c C?ng ngh? th?ng tin x?y d?ng h? th?ng th?ng tin gi?m s?t tr?c tuy?n ?i v?i ho?t ?ng c?a h? th?ng thanh to?n quan tr?ng, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n theo y?u c?u t? th?c t? gi?m s?t.4. Cung c?p th?ng tin cho C? quan Thanh tra, gi?m s?t ng?n h?ng, Ng?n h?ng Nh? n??c chi nh?nh, t?nh th?nh ph? tr?c thu?c Trung ??ng, c? quan c? th?m quy?n khi ph?t hi?n d?u hi?u vi ph?m quy ?nh ph?p lu?t v? h? th?ng thanh to?n quan tr?ng; ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n.5. Ki?n ngh? ti?n h?nh thanh tra t? ch?c cung ?ng d?ch v? trung gian thanh to?n khi ph?t hi?n c? d?u hi?u vi ph?m quy ?nh ph?p lu?t v? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n (n?u c?n).i?u 20. Tr?ch nhi?m c?a C?c C?ng ngh? th?ng tin1. Th?c hi?n tr?ch nhi?m c?a ?n v? v?n h?nh H? th?ng TTLNH Qu?c gia.2. ?u m?i x?y d?ng v? duy tr? h? th?ng th?ng tin gi?m s?t tr?c tuy?n ? ?n v? gi?m s?t th?c hi?n truy c?p t? xa v?o H? th?ng TTLNH Qu?c gia nh?m theo d?i tr?c tuy?n ho?t ?ng c?a H? th?ng n?y tr?n nguy?n t?c ?m b?o t?nh an to?n, b?o m?t th?ng tin v? kh?ng l?m gi?n o?n, ?nh h??ng ?n t?c ? x? l? c?a H? th?ng TTLNH Qu?c gia, trong ?:a) Cho ph?p truy c?p ?y ? danh s?ch v? th?ng tin c? b?n c?a c?c th?nh vi?n tham gia H? th?ng TTLNH Qu?c gia;b) Cho ph?p gi?m s?t t?nh tr?ng ho?t ?ng, giao d?ch c?a H? th?ng TTLNH Qu?c gia;c) Cho ph?p truy c?p th?ng tin c?nh b?o v? ho?t ?ng b?t th??ng c?a H? th?ng TTLNH Qu?c gia;d) Cho ph?p truy c?p th?ng tin v? t?nh h?nh thanh kho?n c?a t?ng th?nh vi?n tham gia bao g?m th?ng tin v? s? d? t?i kho?n thanh to?n, h?n m?c n? r?ng, h?n m?c th?u chi c?a c?c th?nh vi?n tham gia, c?c th?nh vi?n tham gia c? d?u hi?u g?p kh? khn thanh kho?n (c? giao d?ch ch?a ??c x? l? do thi?u kh? nng thanh to?n; thi?u kh? nng thanh to?n trong quy?t to?n b? tr? gi? tr? th?p, x? l? k?t qu? quy?t to?n r?ng t? c?c h? th?ng kh?c; c? giao d?ch b? h?y cu?i ng?y do thi?u kh? nng thanh to?n), c?c th?nh vi?n ph?t sinh vay thanh to?n b? tr?.3. ?u m?i, ph?i h?p v?i ?n v? gi?m s?t, t? ch?c cung ?ng d?ch v? trung gian thanh to?n, ng?n h?ng h?p t?c x?y d?ng, duy tr? v? h??ng d?n k? thu?t k?t n?i h? th?ng th?ng tin gi?m s?t tr?c tuy?n ?i v?i ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n, trong ?:a) Cho ph?p k?t n?i v?i c?ng c? gi?m s?t tr?c tuy?n do t? ch?c cung ?ng d?ch v? trung gian thanh to?n t? x?y d?ng ? truy v?n c?c th?ng tin theo quy ?nh t?i kho?n 4 i?u 17 Th?ng t? n?y;b) Cho ph?p truy v?n th?ng tin v? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng h?p t?c theo quy ?nh t?i kho?n 2 i?u 18 Th?ng t? n?y.4. ?u m?i, ph?i h?p v?i ?n v? gi?m s?t x?y d?ng, duy tr? v? h??ng d?n k? thu?t k?t n?i h? th?ng th?ng tin gi?m s?t tr?c tuy?n ?i v?i ho?t ?ng c?a h? th?ng thanh to?n ngo?i t?; h? th?ng thanh to?n ti?n giao d?ch ch?ng kho?n; h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh theo y?u c?u t? th?c t? gi?m s?t.5. ?u m?i, ph?i h?p v?i ?n v? gi?m s?t x?y d?ng v? duy tr? ho?t ?ng c?a h? th?ng th?ng tin b?o c?o, h? th?ng th?ng tin gi?m s?t tr?c tuy?n ? ti?p nh?n, t?ng h?p, khai th?c v? l?u tr? c?c s? li?u, d? li?u, th?ng tin b?o c?o theo quy ?nh t?i i?u 16, i?u 17, i?u 18 Th?ng t? n?y.6. Th?ng b?o k?t qu? cho ?n v? gi?m s?t trong tr??ng h?p th?c hi?n ki?m tra c? n?i dung li?n quan ?n ho?t ?ng v?n h?nh h? th?ng thanh to?n quan tr?ng c?a t? ch?c v?n h?nh, ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n.7. Ph?i h?p v?i ?n v? gi?m s?t ti?n h?nh ki?m tra t?i ch? ?i v?i t? ch?c v?n h?nh, t? ch?c cung ?ng d?ch v? trung gian thanh to?n.8. Ph?i h?p v?i ?n v? gi?m s?t v? c?c ?n v? li?n quan thu?c Ng?n h?ng Nh? n??c x?y d?ng b?o c?o ?nh gi? H? th?ng TTLNH Qu?c gia theo quy ?nh t?i kho?n 2 i?u 8 Th?ng t? n?y.i?u 21. Tr?ch nhi?m c?a C? quan Thanh tra, gi?m s?t ng?n h?ng1. Cung c?p cho ?n v? gi?m s?t danh s?ch c?c t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i l? th?nh vi?n tham gia h? th?ng thanh to?n quan tr?ng ??c can thi?p s?m ho?c ??c ki?m so?t ?c bi?t.2. Xem x?t x? l? theo th?m quy?n khi nh?n ??c th?ng tin, ki?n ngh? c?a ?n v? gi?m s?t theo quy ?nh t?i kho?n 4 i?u 19, kho?n 5 i?u 19 Th?ng t? n?y.3. Cung c?p cho ?n v? gi?m s?t k?t lu?n thanh tra ?i v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n do C? quan Thanh tra, gi?m s?t ng?n h?ng ti?n h?nh thanh tra.i?u 22. Tr?ch nhi?m c?a Ng?n h?ng Nh? n??c chi nh?nh t?nh, th?nh ph? tr?c thu?c Trung ??ng1. Xem x?t x? l? theo th?m quy?n khi nh?n ??c th?ng tin, ki?n ngh? c?a ?n v? gi?m s?t theo quy ?nh t?i kho?n 4 i?u 19, kho?n 5 i?u 19 Th?ng t? n?y.2. Cung c?p cho ?n v? gi?m s?t k?t lu?n thanh tra ?i v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n do Ng?n h?ng Nh? n??c chi nh?nh t?nh, th?nh ph? tr?c thu?c Trung ??ng ti?n h?nh thanh tra.i?u 23. Tr?ch nhi?m c?a t? ch?c v?n h?nh1. Th?c hi?n c?c tr?ch nhi?m c?a t? ch?c v?n h?nh quy ?nh t?i Th?ng t? n?y.2. Ph?i h?p v?i Ng?n h?ng Nh? n??c x?y d?ng h? th?ng th?ng tin gi?m s?t tr?c tuy?n theo y?u c?u t? th?c t? gi?m s?t c?a Ng?n h?ng Nh? n??c.i?u 24. Tr?ch nhi?m c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n1. Th?c hi?n c?c tr?ch nhi?m c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n quy ?nh t?i Th?ng t? n?y.2. X?y d?ng c?ng c? gi?m s?t tr?c tuy?n ? ?n v? gi?m s?t th?c hi?n gi?m s?t ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n theo quy ?nh t?i kho?n 4 i?u 17 Th?ng t? n?y v? th?c hi?n k?t n?i c?ng c? gi?m s?t tr?c tuy?n v?i h? th?ng th?ng tin gi?m s?t tr?c tuy?n theo h??ng d?n c?a Ng?n h?ng Nh? n??c.Ch??ng VII?U KHO?N THI H?NHi?u 25. Hi?u l?c thi h?nh1. Th?ng t? n?y c? hi?u l?c thi h?nh k? t? ng?y th?ng 17 th?ng 7 nm 2024, tr? quy ?nh t?i kho?n 2 i?u n?y.2. Kho?n 4 i?u 17 Th?ng t? n?y c? hi?u l?c thi h?nh t? ng?y 01 th?ng 10 nm 2024.3. Th?ng t? s? 20/2018/TT-NHNN ng?y 30 th?ng 8 nm 2018 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam quy ?nh v? gi?m s?t c?c h? th?ng thanh to?n, ??c s?a ?i, b? sung b?i Th?ng t? s? 14/2019/TT-NHNN ng?y 30 th?ng 8 nm 2019 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam s?a ?i, b? sung m?t s? i?u t?i c?c Th?ng t? c? quy ?nh v? ch? ? b?o c?o ?nh k? c?a Ng?n h?ng Nh? n??c h?t hi?u l?c thi h?nh k? t? ng?y Th?ng t? n?y c? hi?u l?c thi h?nh.i?u 26. T? ch?c th?c hi?nCh?nh Vn ph?ng, V? tr??ng V? Thanh to?n, Th? tr??ng c?c ?n v? c? li?n quan thu?c Ng?n h?ng Nh? n??c Vi?t Nam, c?c t? ch?c v?n h?nh h? th?ng thanh to?n quan tr?ng, t? ch?c cung ?ng d?ch v? trung gian thanh to?n, ng?n h?ng h?p t?c ch?u tr?ch nhi?m t? ch?c th?c hi?n Th?ng t? n?y./.??N?i nh?n: - Nh? i?u 26; - Ban L?nh ?o NHNN; - Vn ph?ng Ch?nh ph?; - B? T? ph?p (? ki?m tra); - C?ng b?o; - C?ng Th?ng tin i?n t? NHNN; - L?u: VT, V? PC, V? TT (5b).KT. TH?NG ?C PH? TH?NG ?C Ph?m Ti?n Ding?PH? L?C IDANH M?C C?C M?U B?O C?O (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)M?u s? 01B?o c?o t?nh h?nh v?n h?nh h? th?ng thanh to?n quan tr?ngM?u s? 02B?o c?o t?nh h?nh ho?t ?ng cung ?ng d?ch v? trung gian thanh to?nM?u s? 03B?o c?o s? c?M?u s? 04B?o c?o ?nh gi? h? th?ng thanh to?n quan tr?ng?M?u s? 01. B?o c?o t?nh h?nh v?n h?nh h? th?ng thanh to?n quan tr?ng?N V? B?O C?O -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?:& & & ..& & ., ng?y& & th?ng& & nm& & ?B?O C?O T?NH H?NH V?N H?NH H? TH?NG THANH TO?N QUAN TR?NGK? b?o c?o (6 th?ng ?u nm& & ./nm& & ..)K?nh g?i: Ng?n h?ng Nh? n??c Vi?t Nam (V? Thanh to?n)1. B?o c?o, ?nh gi? v? vi?c t? ch?c v?n h?nh h? th?ng thanh to?n quan tr?ng- T?nh h?nh ho?t ?ng h? th?ng thanh to?n: ?nh gi? v? ch?t l??ng d?ch v?, t?nh h?nh r?i ro s? c? ph?t sinh.- T?nh h?nh th?nh vi?n tham gia h? th?ng: ?nh gi? chung v? t?nh h?nh bi?n ?ng th?nh vi?n trong k? b?o c?o.- T?nh h?nh n?ng c?p h? th?ng, nh?ng thay ?i c? b?n v? quy tr?nh nghi?p v?, quy ch? th?nh vi?n c?a h? th?ng.2. Nh?ng kh? khn, v??ng m?c v? ? xu?t, ki?n ngh?.?N?i nh?n: - Nh? tr?n; - L?u.NG??I ?I DI?N H?P PH?P (K?, ghi r? h? t?n, ?ng d?u)?M?u s? 02. B?o c?o t?nh h?nh ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n?N V? B?O C?O -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?:& & & ..& & ., ng?y& & th?ng& & nm& & ?B?O C?O T?NH H?NH HO?T ?NG CUNG ?NG D?CH V? TRUNG GIAN THANH TO?NK? b?o c?o (Qu?.../Nm...)K?nh g?i: Ng?n h?ng Nh? n??c Vi?t Nam (V? Thanh to?n)1. ?nh gi? k?t qu? th?c hi?n ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n (th?c hi?n ?nh gi? ri?ng ?i v?i t?ng d?ch v? trung gian thanh to?n ? ??c c?p ph?p):- ?nh gi? k?t qu? ho?t ?ng cung ?ng d?ch v? trung gian thanh to?n trong k? b?o c?o (?nh gi? hi?u qu? ho?t ?ng, l?/l?i).- ?nh gi? ch?t l??ng d?ch v? (bao g?m c?ng t?c x? l?, khi?u n?i), t?nh h?nh r?i ro, s? c? ? ??c ph?t hi?n.- T?nh h?nh nh?n s? tri?n khai ? ?n, nh?ng thay ?i v? nh?n s? ch? ch?t, thay ?i c? b?n trong quy ?nh, quy tr?nh, th? t?c (n?u c?).2. Nh?ng kh? khn, v??ng m?c v? ? xu?t, ki?n ngh?.?N?i nh?n: - Nh? tr?n; - L?u.NG??I ?I DI?N H?P PH?P (K?, ghi r? h? t?n, ?ng d?u)?M?u s? 03. B?o c?o s? c??N V? B?O C?O -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?:& & & ..& & ., ng?y& & th?ng& & nm& & ?B?O C?O S? C?K?nh g?i: Ng?n h?ng Nh? n??c Vi?t Nam (V? Thanh to?n)1. Th?ng tin chung- Th?i i?m x?y ra s? c? (ng?y, gi? x?y ra s? c?)- M? t? s? c?- Nguy?n nh?n g?y ra s? c?- Kho?ng th?i gian x?y ra s? c? (??c t?nh theo ph?t)2. C?c bi?n ph?p x? l?, kh?c ph?c (trong ? n?u th?i i?m ho?n th?nh kh?c ph?c).?N?i nh?n: - Nh? tr?n; - L?u.NG??I ?I DI?N H?P PH?P (K?, ghi r? h? t?n, ?ng d?u)?M?u s? 04. B?o c?o ?nh gi? h? th?ng thanh to?n quan tr?ng?N V? B?O C?O -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?:& & & ..& & ., ng?y& & th?ng& & nm& & ?B?O C?O ?NH GI? H? TH?NG THANH TO?N QUAN TR?NGK?nh g?i: Ng?n h?ng Nh? n??c Vi?t Nam (V? Thanh to?n)i1. T?m t?t b?o c?oT?m t?t nh?ng i?m ch?nh c?a b?o c?o, trong ? c? t?ng quan v? h? th?ng thanh to?n do ?n v? b?o c?o v?n h?nh, c?c th?nh vi?n, c?c quy ?nh ph?p lu?t, c?c quy tr?nh, th? t?c, c?c r?i ro ch? y?u v? vi?c qu?n l? c?c r?i ro n?y.T?m t?t k?t qu? x?p h?ng m?c ? ?p ?ng theo c?c nguy?n t?c ?p d?ng ?i v?i h? th?ng thanh to?n quan tr?ng ??c ban h?nh b?i ?y ban c?c H? th?ng Thanh to?n v? Quy?t to?n thu?c Ng?n h?ng Thanh to?n Qu?c t? v? T? ch?c Qu?c t? c?c ?y ban Ch?ng kho?nii.M?c ? ?nh gi?Nguy?n t?c s?T? l??p ?ngiii(li?t k? c?c nguy?n t?c c? c?ng m?c x?p h?ng)T?ng s? nguy?n t?c ??c x?p h?ng ? m?c n?y/T?ng s? nguy?n t?c ??c ?nh gi?Kh? ?p ?ngiv(li?t k? c?c nguy?n t?c c? c?ng m?c x?p h?ng)T?ng s? nguy?n t?c ??c x?p h?ng ? m?c n?y/T?ng s? nguy?n t?c ??c ?nh gi??p ?ng m?t ph?nv(li?t k? c?c nguy?n t?c c? c?ng m?c x?p h?ng)T?ng s? nguy?n t?c ??c x?p h?ng ? m?c n?y/T?ng s? nguy?n t?c ??c ?nh gi?Kh?ng ?p ?ngvi(li?t k? c?c nguy?n t?c c? c?ng m?c x?p h?ng)T?ng s? nguy?n t?c ??c x?p h?ng ? m?c n?y/T?ng s? nguy?n t?c ??c ?nh gi?Kh?ng ?p d?ngvii(li?t k? c?c nguy?n t?c c? c?ng m?c x?p h?ng)T?ng s? nguy?n t?c ??c x?p h?ng ? m?c n?y/T?ng s? nguy?n t?c ??c ?nh gi?2. T?m t?t c?c thay ?i l?n k? t? k? b?o c?o tr??cT?m t?t nh?ng thay ?i trong t? ch?c qu?n l?, d?ch v?, t?nh nng h? th?ng, c?c quy ?nh ph?p l?, quy tr?nh, th? t?c v? th? tr??ng m? h? th?ng thanh to?n cung c?p d?ch v? k? t? k? b?o c?o g?n nh?t.3. Kh?i qu?t chung v? h? th?ng thanh to?n3.1. M? t? chung v? h? th?ng thanh to?n v? th? tr??ng m? h? th?ng thanh to?n cung ?ng d?ch v?M? t? ng?n g?n v? c?c d?ch v? v? ch?c nng c?a h? th?ng thanh to?n, t?ng quan v? th? tr??ng h? th?ng thanh to?n cung ?ng d?ch v?, trong ? bao g?m s? l??ng, gi? tr? giao d?ch, c?c h?n m?c trong ng?y m? h? th?ng thanh to?n c?p cho th?nh vi?n (n?u c?)...3.2. T? ch?c chung c?a h? th?ng thanh to?nN?u t?ng quan v? c? c?u t? ch?c v? qu?n tr? c?a h? th?ng thanh to?n, bao g?m c?c ch?nh s?ch qu?n tr?, c? c?u qu?n tr? v? c? c?u qu?n l? c?a h? th?ng thanh to?n.3.3. Khu?n kh? ph?p l? v? quy ?nhN?u t?ng quan v? khu?n kh? ph?p l? v? quy ?nh li?n quan ?n h? th?ng thanh to?n ??c ?nh gi?, bao g?m c? c?u ph?p l? v? quy?n s? h?u c?a h? th?ng thanh to?n, c? s? ph?p l? cho ho?t ?ng c?a h? th?ng thanh to?n.3.4. Thi?t k? h? th?ng v? c?c ho?t ?ngM? t? ng?n g?n v? thi?t k? v? v?n h?nh c?a h? th?ng thanh to?n (n?u r? v? quy tr?nh x? l? giao d?ch v? tr?ch nhi?m c?a c?c b?n li?n quan).4. B?n thuy?t minh t?m t?t ?nh gi? theo t?ng nguy?n t?c- T?n nguy?n t?c v? tr?ch d?n n?i dung c?a nguy?n t?c.- Thuy?t minh t?m t?t: N?u ?y ? th?ng tin chi ti?t, b?i c?nh cing nh? b?t k? th?ng tin b? sung kh?c v? vi?c ?p ?ng c?a h? th?ng thanh to?n ?i v?i nguy?n t?c, n?n ?nh k?m c?c t?i li?u tham kh?o c? th? c?ng b? ??c ? b? sung th?m th?ng tin.- K?t qu? x?p h?ng (?p ?ng, kh? ?p ?ng, ?p ?ng m?t ph?n, kh?ng ?p ?ng, kh?ng ?p d?ng).5. Danh s?ch c?c ngu?n t?i li?u li?n quanLi?t k? danh s?ch c?c t?i li?u li?n quan, bao g?m c? c?c t?i li?u ? ??c tham chi?u trong b?o c?o.?N?i nh?n: - Nh? tr?n; - L?u.NG??I ?I DI?N H?P PH?P (K?, ghi r? h? t?n, ?ng d?u)_____________________________H??ng d?n l?p b?o c?oi N?i dung n?y ch? ?p d?ng ?i v?i b?o c?o c?a t? ch?c v?n h?nh h? th?ng thanh to?n ngo?i t?, h? th?ng thanh to?n ti?n giao d?ch ch?ng kho?n, h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh.ii C?c nguy?n t?c ??c ?p d?ng ? ?nh gi? h? th?ng thanh to?n quan tr?ng ??c tr?ch d?n t? b? C?c nguy?n t?c ?p d?ng ?i v?i h? t?ng th? tr??ng t?i ch?nh ??c ?y ban c?c H? th?ng Thanh to?n v? Quy?t to?n thu?c Ng?n h?ng Thanh to?n Qu?c t? v? T? ch?c Qu?c t? c?c ?y ban Ch?ng kho?n ban h?nh v?o th?ng 4 nm 2012 v? c?c vn b?n s?a ?i, b? sung, bao g?m c?c nguy?n t?c sau:Nguy?n t?c s? 1: C? s? ph?p l?M?t h? th?ng thanh to?n quan tr?ng c?n c? m?t c? s? ph?p l? v?ng ch?c, r? r?ng, minh b?ch v? c? th? th?c thi ?i v?i m?i kh?a c?nh quan tr?ng trong c?c ho?t ?ng c?a h? th?ng ? ? t?t c? c?c th? ch? ph?p l? li?n quan.Nguy?n t?c s? 2: Qu?n tr? i?u h?nhM?t h? th?ng thanh to?n quan tr?ng c?n c? c? ch? qu?n l? r? r?ng v? minh b?ch, tng c??ng an to?n, hi?u qu? c?a h? th?ng thanh to?n, ?m b?o s? ?n ?nh cho h? th?ng t?i ch?nh, t?o i?u ki?n quan t?m ?n l?i ?ch c?ng ?ng m?t c?ch th?ch h?p v? h? tr? c?c b?n li?n quan ?t ??c m?c ti?u.Nguy?n t?c s? 3: Khu?n kh? qu?n tr? r?i ro to?n di?nM?t h? th?ng thanh to?n quan tr?ng c?n duy tr? m?t c? ch? qu?n tr? r?i ro hi?u qu? ? qu?n l? to?n di?n c?c r?i ro v? ph?p l?, t?n d?ng, thanh kho?n, v?n h?nh v? c?c r?i ro kh?c.Nguy?n t?c s? 4: R?i ro t?n d?ngM?t h? th?ng thanh to?n quan tr?ng c?n o l??ng, gi?m s?t v? qu?n l? hi?u qu? r?i ro t?n d?ng ?i v?i c?c th?nh vi?n tham gia v? c?c r?i ro ph?t sinh t? quy tr?nh thanh to?n, b? tr?, quy?t to?n. M?t h? th?ng thanh to?n quan tr?ng c?n duy tr? ngu?n t?i ch?nh ? m?nh ? ?m b?o ch?c ch?n c? th? b? ?p r?i ro t?n d?ng ?i v?i m?i th?nh vi?n tham gia.Nguy?n t?c s? 5: T?i s?n b?o ?mM?t h? th?ng thanh to?n quan tr?ng ?i h?i ph?i c? t?i s?n b?o ?m ? qu?n l? r?i ro t?n d?ng c?a h? th?ng thanh to?n ? cing nh? r?i ro t?n d?ng c?a c?c th?nh vi?n tham gia. Khi ?, h? th?ng thanh to?n quan tr?ng c?n ph?i ch?p nh?n t?i s?n b?o ?m v?i r?i ro t?n d?ng, r?i ro thanh kho?n v? r?i ro th? tr??ng ? m?c th?p. M?t h? th?ng thanh to?n quan tr?ng cing c?n ?p d?ng t? l? chi?t kh?u, h?n m?c t?p trung n?m gi? t?i s?n ? m?c h?p l?.Nguy?n t?c s? 7: R?i ro thanh kho?nM?t h? th?ng thanh to?n quan tr?ng c?n o l??ng, gi?m s?t v? qu?n l? r?i ro thanh kho?n m?t c?ch hi?u qu?. H? th?ng thanh to?n quan tr?ng n?n duy tr? ? ngu?n l?c thanh kho?n b?ng t?t c? c?c lo?i ti?n t? li?n quan ? ?m b?o ch?c ch?n th?c hi?n c?c ngh)a v? t?i ch?nh trong c?ng m?t ng?y v? khi c?n, c? th? th?c hi?n c?c ngh)a v? t?i ch?nh trong ng?y v? trong nhi?u ng?y theo h?ng lo?t c?c k?ch b?n r?i ro c? th? x?y ra. Nh?ng k?ch b?n n?y c? th? bao g?m s? c? m?t kh? nng thanh to?n c?a th?nh vi?n v? c?c ?n v? ph? thu?c c?a h? c? kh? nng t?o ra t?ng ngh)a v? thanh to?n l?n nh?t cho h? th?ng thanh to?n quan tr?ng ? trong i?u ki?n th? tr??ng r?t kh? khn c? th? x?y ra.Nguy?n t?c s? 8: Quy?t to?n d?t i?mM?t h? th?ng thanh to?n quan tr?ng n?n th?c hi?n quy?t to?n d?t i?m m?t c?ch r? r?ng v? ch?nh x?c, t?i thi?u l? v?o th?i i?m k?t th?c ng?y gi? tr?. Trong tr??ng h?p c?n thi?t ho?c th?ch h?p h?n, m?t h? th?ng thanh to?n quan tr?ng c?n ph?i ti?n h?nh quy?t to?n trong ng?y ho?c theo th?i gian th?c.Nguy?n t?c s? 9: Quy?t to?n ti?nM?t h? th?ng thanh to?n quan tr?ng n?n ti?n h?nh quy?t to?n th?ng qua Ng?n h?ng Trung ??ng, n?u kh? thi v? s?n s?ng. Tr??ng h?p kh?ng quy?t to?n qua Ng?n h?ng Trung ??ng th? h? th?ng thanh to?n quan tr?ng n?n gi?m thi?u v? ki?m so?t ch?t ch? r?i ro t?n d?ng, r?i ro thanh kho?n ph?t sinh t? vi?c quy?t to?n qua ng?n h?ng th??ng m?i.Nguy?n t?c s? 12: H? th?ng quy?t to?n chuy?n giao gi? tr?Tr??ng h?p h? th?ng thanh to?n quan tr?ng th?c hi?n c?c giao d?ch c? li?n quan ?n vi?c thanh to?n hai ngh)a v? c? li?n h? v?i nhau (v? d?: giao d?ch ngo?i h?i, giao d?ch ch?ng kho?n), h? th?ng thanh to?n quan tr?ng c?n lo?i b? r?i ro m?t v?n th?ng qua quy ?nh th?c hi?n quy?t to?n ngh)a v? n?y tr?n c? s? ? ho?n th?nh quy?t to?n ngh)a v? kia.Nguy?n t?c s? 13: C?c quy t?c v? th? t?c qu?n l? th?nh vi?n tham gia b? m?t kh? nng thanh to?nM?t h? th?ng thanh to?n quan tr?ng c?n thi?t l?p c?c quy t?c v? th? t?c r? r?ng, hi?u qu? ? qu?n l? t?nh tr?ng m?t kh? nng thanh to?n c?a th?nh vi?n tham gia. Nh?ng quy t?c v? th? t?c n?y c?n ??c x?y d?ng theo h??ng ?m b?o h? th?ng thanh to?n quan tr?ng c? th? c? c?c h?nh ?ng k?p th?i ? ngn ch?n c?c thi?t h?i v? gi?m ?p l?c thanh kho?n, ?ng th?i duy tr? kh? nng th?c hi?n c?c ngh)a v? c?a h? th?ng thanh to?n quan tr?ng ?.Nguy?n t?c s? 15: R?i ro kinh doanh chungM?t h? th?ng thanh to?n quan tr?ng c?n ph?i x?c ?nh, gi?m s?t, qu?n l? r?i ro kinh doanh v? n?m gi? ?y ? t?i s?n r?ng c? t?nh thanh kho?n cao t? ngu?n v?n ch? s? h?u ? ? b? ?p nh?ng t?n th?t kinh doanh c? th? x?y ra. i?u n?y gi?p h? th?ng thanh to?n quan tr?ng c? th? ti?p t?c ho?t ?ng v? cung c?p d?ch v? m?t c?ch b?nh th??ng ngay c? khi c? x?y ra thua l?. H?n n?a, t?i s?n thanh kho?n r?ng ? m?i th?i i?m c?n ph?i ? ? ?m b?o ph?c h?i ho?c gi?m d?n m?t c?ch h?p l? c?c ho?t ?ng v? d?ch v? quan tr?ng.Nguy?n t?c s? 16: R?i ro l?u k? v? ?u t?M?t h? th?ng thanh to?n quan tr?ng c?n b?o to?n t?i s?n c?a m?nh cing nh? c?a c?c th?nh vi?n, ?ng th?i gi?m thi?u nguy c? m?t m?t v? ch?m tr? trong vi?c ti?p c?n c?c t?i s?n n?y. H? th?ng thanh to?n quan tr?ng n?n ?u t? v?o c?c c?ng c? c? m?c r?i ro t?n d?ng, r?i ro th? tr??ng v? r?i ro thanh kho?n th?p nh?t.Nguy?n t?c s? 17: R?i ro v?n h?nhM?t h? th?ng thanh to?n quan tr?ng n?n x?c ?nh c?c ngu?n r?i ro v?n h?nh m?t c?ch h?p l?, c? t? b?n trong v? b?n ngo?i, ?ng th?i c?n gi?m thi?u t?c ?ng c?a c?c r?i ro n?y b?ng c?ch ?p d?ng c?c h? th?ng, quy ?nh, th? t?c v? bi?n ph?p ki?m so?t th?ch h?p. H? th?ng ph?i ??c thi?t k? theo h??ng ?m b?o m?c ? b?o m?t v? ? tin c?y ho?t ?ng cao cing nh? c?n c? dung l??ng ? l?n v? c? kh? nng m? r?ng th?m. Qu?n l? ho?t ?ng li?n t?c c?n ?a ra m?c ?ch ? ph?c h?i k?p th?i c?c ho?t ?ng v? th?c hi?n ?y ? c?c ngh)a v? c?a h? th?ng thanh to?n quan tr?ng, ngay c? trong c?c tr??ng h?p x?y ra t?nh tr?ng gi?n o?n ? quy m? r?ng ho?c gi?n o?n l?n, c? t?nh ch?t tr?ng y?u.Nguy?n t?c s? 18: C?c y?u c?u v? ti?p c?n v? tham giaM?t h? th?ng thanh to?n quan tr?ng c?n ph?i ?a ra c?c ti?u ch? tham gia ?m b?o t?nh kh?ch quan, d?a tr?n r?i ro v? ??c th?ng b?o r?ng r?i nh?m ?m b?o c?c t? ch?c ??c ph?p ti?p c?n m?t c?ch c?ng b?ng v? c?ng khai.Nguy?n t?c s? 19: Th?a thu?n tham gia theo c?p ?M?t h? th?ng thanh to?n quan tr?ng n?n x?c ?nh, gi?m s?t v? qu?n l? c?c r?i ro quan tr?ng c? th? x?y ra ?i v?i h? th?ng thanh to?n quan tr?ng ? m? ph?t sinh t? nh?ng th?a thu?n tham gia theo c?p ?.Nguy?n t?c s? 21: Hi?u su?t v? hi?u qu?M?t h? th?ng thanh to?n quan tr?ng ph?i ?m b?o hi?u su?t, hi?u qu? trong vi?c ?p ?ng c?c y?u c?u c?a th?nh vi?n tham gia v? th? tr??ng m? h? th?ng thanh to?n quan tr?ng ? ph?c v?.Nguy?n t?c s? 22: C?c th? t?c v? ti?u chu?n th?ng tin truy?n th?ngM?t h? th?ng thanh to?n quan tr?ng n?n s? d?ng ho?c ?t nh?t l? ph?i t??ng th?ch v?i c?c ti?u chu?n v? th?ng tin truy?n th?ng c? li?n quan ? ??c ch?p nh?n ? ph?m vi qu?c t? nh?m t?o i?u ki?n th?c hi?n thanh to?n, b? tr?, quy?t to?n m?t c?ch hi?u qu?.Nguy?n t?c s? 23: C?ng b? c?c quy t?c, th? t?c quan tr?ng v? d? li?u th? tr??ngM?t h? th?ng thanh to?n quan tr?ng c?n c? nh?ng quy ?nh, th? t?c r? r?ng v? to?n di?n, ?ng th?i cung c?p ?y ? th?ng tin nh?m cho ph?p nh?ng th?nh vi?n tham gia c? th? hi?u ch?nh x?c v? nh?ng r?i ro, ph? v? c?c chi ph? quan tr?ng kh?c m? h? ph?i ch?u khi tham gia v?o h? th?ng thanh to?n ?. T?t c? c?c quy t?c v? th? t?c c? li?n quan c?n ??c c?ng b? r?ng r?i.iii H? th?ng thanh to?n ?p ?ng nguy?n t?c: B?t k? v?n ? thi?u s?t ??c x?c ?nh kh?ng ph?i l? v?n ? c?p thi?t, quan tr?ng, h? th?ng thanh to?n c? th? c?n nh?c x? l? c?c v?n ? n?y trong qu? tr?nh ho?t ?ng b?nh th??ng.iv H? th?ng thanh to?n kh? ?p ?ng c?c nguy?n t?c: Vi?c ?nh gi? x?c ?nh m?t ho?c nhi?u v?n ? m? h? th?ng thanh to?n n?n gi?i quy?t v? theo d?i trong m?t th?i gian (t? 01 nm ?n 03 nm).v H? th?ng thanh to?n ?p ?ng m?t ph?n c?c nguy?n t?c: Vi?c ?nh gi? x?c ?nh m?t ho?c nhi?u v?n ? c? th? tr? n?n nghi?m tr?ng n?u kh?ng ??c gi?i quy?t k?p th?i. H? th?ng thanh to?n n?n d?nh ?u ti?n cao cho vi?c gi?i quy?t nh?ng v?n ? n?y.vi H? th?ng thanh to?n kh?ng ?p ?ng c?c nguy?n t?c: Vi?c ?nh gi? ? x?c ?nh m?t ho?c nhi?u v?n ? nghi?m tr?ng ph?i x? l? ngay l?p t?c. Do ?, h? th?ng thanh to?n n?n d?nh ?u ti?n cao nh?t cho vi?c gi?i quy?t nh?ng v?n ? n?y.vii C?c nguy?n t?c kh?ng ?p d?ng cho h? th?ng thanh to?n ang ??c ?nh gi? do quy ?nh ph?p l?, c?c t?nh nng ?c th? c?a h? th?ng thanh to?n.?PH? L?C IIDANH M?C H? TH?NG THANH TO?N QUAN TR?NG (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)TTH? th?ng thanh to?n quan tr?ng?n v? v?n h?nh/T? ch?c v?n h?nh1H? th?ng TTLNH Qu?c gia?n v? v?n h?nh H? th?ng TTLNH Qu?c gia2H? th?ng thanh to?n ngo?i t?Ng?n h?ng th??ng m?i c? ph?n Ngo?i th??ng Vi?t Nam3H? th?ng thanh to?n ti?n giao d?ch ch?ng kho?nNg?n h?ng th??ng m?i c? ph?n ?u t? v? ph?t tri?n Vi?t Nam4H? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nhC?ng ty c? ph?n Thanh to?n Qu?c gia Vi?t Nam?PH? L?C IIIS? LI?U HO?T ?NG C?A H? TH?NG THANH TO?N I?N T? LI?N NG?N H?NG QU?C GIA (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)1. T?nh h?nh ho?t ?ngCh? ti?uM? t? ch? ti?u?nh k? d? li?u1.1. Th?ng tin th?nh vi?n1.1. Th?ng tin th?nh vi?n1.1. Th?ng tin th?nh vi?nG-1 Th?nh vi?n tham gia thanh to?n gi? tr? caoS? l??ng th?nh vi?n tham gia thanh to?n gi? tr? cao.Th?ngG-2 ?n v? th?nh vi?n tham gia thanh to?n gi? tr? caoS? l??ng ?n v? th?nh vi?n tham gia thanh to?n gi? tr? cao.Th?ngG-3 Th?nh vi?n tham gia thanh to?n gi? tr? th?pS? l??ng th?nh vi?n tham gia thanh to?n gi? tr? th?p.Th?ngG-4 ?n v? th?nh vi?n tham gia thanh to?n gi? tr? th?pS? l??ng ?n v? th?nh vi?n tham gia thanh to?n gi? tr? th?p.Th?ngG-5 Th?nh vi?n tham gia thanh to?n ngo?i t?S? l??ng th?nh vi?n tham gia thanh to?n ngo?i t? ph?n theo t?ng lo?i ngo?i t?.Th?ngG-6 ?n v? th?nh vi?n tham gia thanh to?n ngo?i t?S? l??ng ?n v? th?nh vi?n tham gia thanh to?n ngo?i t? ph?n theo t?ng lo?i ngo?i t?.Th?ngG-7 Th?nh vi?n tham gia thanh to?n tr?i phi?u Ch?nh ph?S? l??ng th?nh vi?n tham gia thanh to?n tr?i phi?u Ch?nh ph?.Th?ngG-8 Th?nh vi?n tham gia d?ch v? quy?t to?n r?ng t? c?c h? th?ng kh?c ??c quy?t to?n qua H? th?ng TTLNH Qu?c giaS? l??ng th?nh vi?n tham gia d?ch v? quy?t to?n r?ng t? c?c h? th?ng kh?c ??c quy?t to?n qua H? th?ng TTLNH Qu?c gia.Th?ng1.2. Th?i gian ho?t ?ng1.2. Th?i gian ho?t ?ng1.2. Th?i gian ho?t ?ngG-9 Th?i i?m b?t ?u x? l? ?u ng?yTh?i i?m h? th?ng b?t ?u ??c kh?i ?ng.Ng?yG-10 Th?i i?m ho?n th?nh x? l? ?u ng?yTh?i i?m h? th?ng ho?n th?nh vi?c c?p s? d? ?u ng?y, h?n m?c th?u chi ?u ng?y cho c?c th?nh vi?n tham gia v? h? th?ng trong t?nh tr?ng s?n s?ng giao d?ch. Th?ng k? chi ti?t theo t?ng lo?i d?ch v?.Ng?yG-11 Th?i i?m th?c hi?n quy?t to?n r?ng t? c?c h? th?ng kh?cTh?i i?m h? th?ng nh?n v? x? l? k?t qu? quy?t to?n r?ng t? c?c h? th?ng kh?c.Ng?yG-12 Th?i i?m h? th?ng ng?ng nh?n l?nh thanh to?n gi? tr? th?pTh?i i?m h? th?ng ng?ng nh?n l?nh thanh to?n gi? tr? th?p ? th?c hi?n x? l? b? tr? v? quy?t to?n giao d?ch.Ng?yG-13 Th?i i?m h? th?ng ng?ng nh?n l?nh thanh to?n gi? tr? cao, l?nh thanh to?n ngo?i t?Th?i i?m h? th?ng ng?ng nh?n l?nh thanh to?n gi? tr? cao, l?nh thanh to?n ngo?i t? ? th?c hi?n x? l? ?i chi?u cu?i ng?y.Ng?yG-14 Th?i i?m ho?n th?nh x? l? ?i chi?u cu?i ng?yTh?i i?m ho?n th?nh x? l? ?i chi?u cu?i ng?y.Ng?y1.3. T?nh h?nh giao d?ch1.3. T?nh h?nh giao d?ch1.3. T?nh h?nh giao d?ch1.3.1. D?ch v? thanh to?n gi? tr? cao1.3.1. D?ch v? thanh to?n gi? tr? cao1.3.1. D?ch v? thanh to?n gi? tr? caoG-15 S? l??ng giao d?ch thanh to?n gi? tr? caoS? l??ng giao d?ch thanh to?n gi? tr? cao c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-16 Gi? tr? giao d?ch thanh to?n gi? tr? caoGi? tr? giao d?ch thanh to?n gi? tr? cao c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-17 S? l??ng giao d?ch thanh to?n gi? tr? cao trong ng?y cao i?mS? l??ng giao d?ch thanh to?n gi? tr? cao trong ng?y cao i?m. Ng?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c ng?y t?i G-18.Th?ngG-18 Gi? tr? giao d?ch thanh to?n gi? tr? cao trong ng?y cao i?mGi? tr? giao d?ch thanh to?n gi? tr? cao trong ng?y cao i?m. Ng?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c v?i ng?y t?i G-17.Th?ngG-19 S? l??ng giao d?ch thanh to?n gi? tr? cao ph?n theo kho?ng th?i gian trong ng?yS? l??ng giao d?ch thanh to?n gi? tr? cao ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-20 Gi? tr? giao d?ch thanh to?n gi? tr? cao ph?n theo kho?ng th?i gian trong ng?yGi? tr? giao d?ch thanh to?n gi? tr? cao ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-21 S? l??ng giao d?ch thanh to?n gi? tr? cao v?o gi? cao i?mS? l??ng giao d?ch thanh to?n gi? tr? cao v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? s? l??ng giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-22.Ng?yG-22 Gi? tr? giao d?ch thanh to?n gi? tr? cao v?o gi? cao i?mGi? tr? giao d?ch thanh to?n gi? tr? cao v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? gi? tr? giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-21.Ng?y1.3.2. D?ch v? thanh to?n gi? tr? th?p1.3.2. D?ch v? thanh to?n gi? tr? th?p1.3.2. D?ch v? thanh to?n gi? tr? th?pG-23 S? l??ng giao d?ch thanh to?n gi? tr? th?pS? l??ng giao d?ch thanh to?n gi? tr? th?p c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-24 Gi? tr? giao d?ch thanh to?n gi? tr? th?pGi? tr? giao d?ch thanh to?n gi? tr? th?p c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-25 S? l??ng giao d?ch thanh to?n gi? tr? th?p trong ng?y cao i?mS? l??ng giao d?ch thanh to?n gi? tr? th?p trong ng?y cao i?m. Ng?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c ng?y t?i G-26.Th?ngG-26 Gi? tr? giao d?ch thanh to?n gi? tr? th?p trong ng?y cao i?mGi? tr? giao d?ch thanh to?n gi? tr? th?p trong ng?y cao i?m. Ng?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c v?i ng?y t?i G-25.Th?ngG-27 S? l??ng giao d?ch thanh to?n gi? tr? th?p ph?n theo kho?ng th?i gian trong ng?yS? l??ng giao d?ch thanh to?n gi? tr? th?p ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-28 Gi? tr? giao d?ch thanh to?n gi? tr? th?p ph?n theo kho?ng th?i gian trong ng?yGi? tr? giao d?ch thanh to?n gi? tr? th?p ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-29 S? l??ng giao d?ch thanh to?n gi? tr? th?p v?o gi? cao i?mS? l??ng giao d?ch thanh to?n gi? tr? th?p v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? s? l??ng giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-30.Ng?yG-30 Gi? tr? giao d?ch thanh to?n gi? tr? th?p v?o gi? cao i?mGi? tr? giao d?ch thanh to?n gi? tr? th?p v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? gi? tr? giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-29.Ng?y1.3.3. D?ch v? thanh to?n ngo?i t?1.3.3. D?ch v? thanh to?n ngo?i t?1.3.3. D?ch v? thanh to?n ngo?i t?G-31 S? l??ng giao d?ch thanh to?n ngo?i t?S? l??ng giao d?ch thanh to?n ngo?i t? c?a c?c th?nh vi?n do h? th?ng x? l? ph?n theo t?ng lo?i ngo?i t?, tr? giao d?ch b? t? ch?i ho?c h?y; m?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-32 Gi? tr? giao d?ch thanh to?n ngo?i t?Gi? tr? giao d?ch thanh to?n ngo?i t? c?a c?c th?nh vi?n do h? th?ng x? l? ph?n theo t?ng lo?i ngo?i t?, tr? giao d?ch b? t? ch?i ho?c h?y; m?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-33 S? l??ng giao d?ch thanh to?n ngo?i t? trong ng?y cao i?mS? l??ng giao d?ch thanh to?n ngo?i t? trong ng?y cao i?m ph?n theo t?ng lo?i ngo?i t?. Ng?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c ng?y t?i G-34.Th?ngG-34 Gi? tr? giao d?ch thanh to?n ngo?i t? trong ng?y cao i?mGi? tr? giao d?ch thanh to?n ngo?i t? trong ng?y cao i?m ph?n theo t?ng lo?i ngo?i t?. Ng?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c v?i ng?y t?i G-33.Th?ngG-35 S? l??ng giao d?ch thanh to?n ngo?i t? ph?n theo kho?ng th?i gian trong ng?yS? l??ng giao d?ch thanh to?n ngo?i t? ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y. Th?ng k? chi ti?t theo t?ng lo?i ngo?i t?.Ng?yG-36 Gi? tr? giao d?ch thanh to?n ngo?i t? ph?n theo kho?ng th?i gian trong ng?yGi? tr? giao d?ch thanh to?n ngo?i t? ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y. Th?ng k? chi ti?t theo t?ng lo?i ngo?i t?.Ng?yG-37 S? l??ng giao d?ch thanh to?n ngo?i t? v?o gi? cao i?mS? l??ng giao d?ch thanh to?n ngo?i t? v?o gi? cao i?m ph?n theo t?ng lo?i ngo?i t?. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? s? l??ng giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-38.Ng?yG-38 Gi? tr? giao d?ch thanh to?n ngo?i t? v?o gi? cao i?mGi? tr? giao d?ch thanh to?n ngo?i t? v?o gi? cao i?m ph?n theo t?ng lo?i ngo?i t?. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? gi? tr? giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-37.Ng?y1.3.4. Giao d?ch thanh to?n tr?i phi?u Ch?nh ph?1.3.4. Giao d?ch thanh to?n tr?i phi?u Ch?nh ph?1.3.4. Giao d?ch thanh to?n tr?i phi?u Ch?nh ph?G-39 S? l??ng giao d?ch thanh to?n tr?i phi?u Ch?nh ph?S? l??ng giao d?ch thanh to?n tr?i phi?u Ch?nh ph? c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-40 Gi? tr? giao d?ch thanh to?n tr?i phi?u Ch?nh ph?Gi? tr? giao d?ch thanh to?n tr?i phi?u Ch?nh ph? c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?y1.3.5. D?ch v? quy?t to?n r?ng cho c?c h? th?ng kh?c (th?ng k? theo t?ng h? th?ng)1.3.5. D?ch v? quy?t to?n r?ng cho c?c h? th?ng kh?c (th?ng k? theo t?ng h? th?ng)1.3.5. D?ch v? quy?t to?n r?ng cho c?c h? th?ng kh?c (th?ng k? theo t?ng h? th?ng)G-41 S? l??ng giao d?ch quy?t to?n r?ng cho h? th?ng kh?cS? l??ng giao d?ch quy?t to?n r?ng cho h? th?ng kh?c c?a t?ng th?nh vi?n do h? th?ng x? l? trong ng?y, tr? giao d?ch b? h?y; m?i giao d?ch ch? ??c t?nh m?t l?n. Th?ng k? chi ti?t theo giao d?ch ??c thu, ph?i tr?.Ng?yG-42 Gi? tr? giao d?ch quy?t to?n r?ng cho h? th?ng kh?cGi? tr? giao d?ch quy?t to?n r?ng cho h? th?ng kh?c c?a c?c th?nh vi?n do h? th?ng x? l? trong ng?y, tr? giao d?ch b? h?y; m?i giao d?ch ch? ??c t?nh m?t l?n. Th?ng k? chi ti?t theo giao d?ch ??c thu, ph?i tr?.Ng?y1.3.6. Giao d?ch to?n h? th?ng1.3.6. Giao d?ch to?n h? th?ng1.3.6. Giao d?ch to?n h? th?ngG-43 S? l??ng giao d?ch to?n h? th?ngT?ng s? l??ng giao d?ch thanh to?n gi? tr? cao, thanh to?n gi? tr? th?p, thanh to?n tr?i phi?u Ch?nh ph?, quy?t to?n r?ng cho c?c h? th?ng kh?c c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-44 Gi? tr? giao d?ch to?n h? th?ngT?ng gi? tr? giao d?ch thanh to?n gi? tr? cao, thanh to?n gi? tr? th?p, thanh to?n tr?i phi?u Ch?nh ph?, quy?t to?n r?ng cho c?c h? th?ng kh?c c?a c?c th?nh vi?n do h? th?ng x? l?, tr? giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.Ng?yG-45 S? l??ng giao d?ch trong ng?y cao i?mS? l??ng giao d?ch trong ng?y cao i?m. Ng?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c ng?y t?i G-46.Th?ngG-46 Gi? tr? giao d?ch trong ng?y cao i?mGi? tr? giao d?ch trong ng?y cao i?m, Ng?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong th?ng. Ng?y n?y c? th? kh?c v?i ng?y t?i G-45.Th?ngG-47 S? l??ng giao d?ch ph?n theo kho?ng th?i gian trong ng?yS? l??ng giao d?ch ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-48 Gi? tr? giao d?ch ph?n theo kho?ng th?i gian trong ng?yGi? tr? giao d?ch ??c x? l? qua h? th?ng ph?n theo c?c kho?ng th?i gian (02 gi?) trong ng?y.Ng?yG-49 S? l??ng giao d?ch v?o gi? cao i?mS? l??ng giao d?ch v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? s? l??ng giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-50.Ng?yG-50 Gi? tr? giao d?ch v?o gi? cao i?mGi? tr? giao d?ch v?o gi? cao i?m. Gi? cao i?m l? kho?ng th?i gian (02 gi?) c? gi? tr? giao d?ch l?n nh?t trong ng?y. Kho?ng th?i gian n?y c? th? kh?c v?i G-49.Ng?yG-51 T? l? t?p trung s? l??ng giao d?ch theo th?nh vi?nT? l? % t?ng s? l??ng giao d?ch c?a 5 th?nh vi?n g?i l?nh l?n nh?t (bao g?m Ng?n h?ng Nh? n??c) tr?n t?ng s? l??ng giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? gi? tr?.Th?ngG-52 T? l? t?p trung gi? tr? giao d?ch theo th?nh vi?nT? l? % gi? tr? giao d?ch c?a 5 th?nh vi?n g?i l?nh l?n nh?t (bao g?m Ng?n h?ng Nh? n??c) tr?n t?ng gi? tr? giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? s? l??ng.Th?ng2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? d? li?u2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn1" [1]2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn1" [1]2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn1" [1]R-1 T?nh s?n s?ng c?a h? th?ngT? l? gi?a th?i gian h? th?ng v?n h?nh th?c t? v? th?i gian v?n h?nh c?a h? th?ng theo quy ?nh.Th?ngR-2 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian ph?t sinh s? c? (t?nh theo gi?) l?m gi?n o?n ho?c d?ng ho?t ?ng c?a h? th?ng.Th?ng2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn2" [2]2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn2" [2]2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn2" [2]R-3 H?n m?c th?u chiH?n m?c th?u chi ??c c?p cho t?ng th?nh vi?n tham gia h? th?ng.Ng?yR-4 Tr?ng th?i ghi N? l?n nh?tGi? tr? l?n nh?t c?a c?c tr?ng th?i ghi N? trong ng?y c?a t?ng th?nh vi?n tham gia h? th?ng.Ng?yR-5 Gi? tr? gi?y t? c? gi?, ti?n k? qu?Gi? tr? gi?y t? c? gi?, ti?n k? qu? ?m b?o cho kho?n t?n d?ng trong ng?y c?a t?ng th?nh vi?n tham gia h? th?ng.Ng?yR-6 S? l?n m?t th?nh vi?n tham gia h? th?ng vay thanh to?n b? tr?S? l?n trong th?ng m? m?t th?nh vi?n tham gia h? th?ng vay thanh to?n b? tr?.Th?ngR-7 S? ti?n m?t th?nh vi?n tham gia h? th?ng vay thanh to?n b? tr?T?ng s? ti?n trong th?ng m? m?t th?nh vi?n tham gia h? th?ng vay thanh to?n b? tr?.Th?ngR-8 Vay qua ?mGi? tr? vay qua ?m c?a th?nh vi?n tham gia h? th?ng.Ng?y2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn3" [3]2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn3" [3]2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn3" [3]R-9 S? d? t?i kho?n ti?n g?i ?u ng?y b?ng VNDS? d? t?i kho?n ti?n g?i ?u ng?y b?ng VND c?a t?ng th?nh vi?n bao g?m c?c kho?n thu nh?p t? l?i ti?n g?i.Ng?yR-10 S? d? t?i kho?n ti?n g?i ?u ng?y b?ng ngo?i t?S? d? t?i kho?n ti?n g?i ?u ng?y b?ng ngo?i t? c?a t?ng th?nh vi?n bao g?m c?c kho?n thu nh?p t? l?i ti?n g?i. Th?ng k? theo t?ng lo?i ngo?i t?.Ng?yR-11 H?n m?c n? r?ng ?u ng?yH?n m?c n? r?ng ?u ng?y ??c c?p cho t?ng th?nh vi?n.Ng?yR-12 S? ti?n ph?i d? tr? b?t bu?c t?i Ng?n h?ng Nh? n??cS? ti?n c?a t?ng th?nh vi?n tham gia h? th?ng ph?i d? tr? b?t bu?c t?i Ng?n h?ng Nh? n??c.Th?ngR-13 S? ti?n d? tr? b?t bu?c th?c t? t?i Ng?n h?ng Nh? n??cS? ti?n d? tr? b?t bu?c th?c t? c?a t?ng th?nh vi?n tham gia h? th?ng t?i Ng?n h?ng Nh? n??c.Th?ngR-14 S? l??ng giao d?ch thanh to?n gi? tr? th?p kh?ng ??c h? th?ng ch?p nh?n do thi?u h?n m?c n? r?ngS? l??ng giao d?ch thanh to?n gi? tr? th?p ? ??c th?nh vi?n g?i l?n h? th?ng nh?ng kh?ng ??c h? th?ng ch?p nh?n do thi?u h?n m?c n? r?ng.Ng?yR-15 Gi? tr? giao d?ch thanh to?n gi? tr? th?p kh?ng ??c h? th?ng ch?p nh?n do thi?u h?n m?c n? r?ngGi? tr? giao d?ch thanh to?n gi? tr? th?p ? ??c th?nh vi?n g?i l?n h? th?ng nh?ng kh?ng ??c h? th?ng ch?p nh?n do thi?u h?n m?c n? r?ng.Ng?yR-16 S? l??ng giao d?ch quy?t to?n k?t qu? b? tr? r?ng giao d?ch thanh to?n gi? tr? th?p b? tr? ho?n do th?nh vi?n tham gia thi?u s? d?S? l??ng giao d?ch quy?t to?n k?t qu? b? tr? r?ng giao d?ch thanh to?n gi? tr? th?p b? tr? ho?n do th?nh vi?n tham gia thi?u s? d?. Th?ng k? theo t?ng th?nh vi?n tham gia.Ng?yR-17 Gi? tr? giao d?ch quy?t to?n k?t qu? b? tr? r?ng giao d?ch thanh to?n gi? tr? th?p b? tr? ho?n do th?nh vi?n tham gia thi?u s? d?Gi? tr? giao d?ch quy?t to?n k?t qu? b? tr? r?ng giao d?ch thanh to?n gi? tr? th?p b? tr? ho?n do th?nh vi?n tham gia thi?u s? d?. Th?ng k? theo t?ng th?nh vi?n tham gia.Ng?yR-18 S? l??ng giao d?ch thanh to?n gi? tr? cao trong h?ng ?iS? l??ng giao d?ch thanh to?n gi? tr? cao trong h?ng ?i qu? 60 gi?y c?a th?nh vi?n tham gia.Ng?yR-19 Gi? tr? giao d?ch thanh to?n gi? tr? cao trong h?ng ?iGi? tr? giao d?ch thanh to?n gi? tr? cao trong h?ng ?i qu? 60 gi?y c?a th?nh vi?n tham gia.Ng?yR-20 S? l??ng giao d?ch thanh to?n ngo?i t? trong h?ng ?iS? l??ng giao d?ch thanh to?n ngo?i t? trong h?ng ?i qu? 60 gi?y c?a th?nh vi?n tham gia. Th?ng k? theo t?ng lo?i ngo?i t?.Ng?yR-21 Gi? tr? giao d?ch thanh to?n ngo?i t? trong h?ng ?iGi? tr? giao d?ch thanh to?n ngo?i t? trong h?ng ?i qu? 60 gi?y c?a th?nh vi?n tham gia. Th?ng k? theo t?ng lo?i ngo?i t?.Ng?yR-22 S? l??ng giao d?ch quy?t to?n k?t qu? b? tr? r?ng cho h? th?ng kh?c b? tr? ho?n do th?nh vi?n tham gia thi?u s? d?Th?ng k? s? l??ng giao d?ch theo t?ng h? th?ng.Ng?yR-23 Gi? tr? giao d?ch quy?t to?n k?t qu? b? tr? r?ng cho h? th?ng kh?c b? tr? ho?n th?nh vi?n tham gia thi?u s? d?Th?ng k? gi? tr? giao d?ch theo t?ng h? th?ng.Ng?yR-24 S? l??ng giao d?ch thanh to?n gi? tr? cao b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?S? l??ng giao d?ch thanh to?n gi? tr? cao ??c h? th?ng ch?p nh?n nh?ng b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?.Ng?yR-25 Gi? tr? giao d?ch thanh to?n gi? tr? cao b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?Gi? tr? c?c giao d?ch thanh to?n gi? tr? cao ??c h? th?ng ch?p nh?n nh?ng b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?.Ng?yR-26 S? l??ng c?c giao d?ch thanh to?n ngo?i t? b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?S? l??ng giao d?ch thanh to?n ngo?i t? ??c h? th?ng ch?p nh?n nh?ng b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? theo t?ng lo?i ngo?i t?.Ng?yR-27 Gi? tr? giao d?ch thanh to?n ngo?i t? b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?Gi? tr? giao d?ch thanh to?n ngo?i t? ??c h? th?ng ch?p nh?n nh?ng b? h?y cu?i ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? theo t?ng lo?i ngo?i t?.Ng?y?PH? L?C IVS? LI?U HO?T ?NG C?A H? TH?NG THANH TO?N NGO?I T?; H? TH?NG THANH TO?N TI?N GIAO D?CH CH?NG KHO?N; H? TH?NG B? TR?, CHUY?N M?CH GIAO D?CH T?I CH?NH (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)1. H? th?ng thanh to?n ngo?i t?1.1. T?nh h?nh ho?t ?ngCh? ti?uM? t? ch? ti?u?nh k? b?o c?o?nh k? b?o c?o1.1.1. Th?ng tin th?nh vi?n1.1.1. Th?ng tin th?nh vi?n1.1.1. Th?ng tin th?nh vi?n1.1.1. Th?ng tin th?nh vi?nG-1 Th?nh vi?n tr?c ti?p l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?iS? l??ng th?nh vi?n tr?c ti?p l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i tham gia h? th?ng.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-2 Th?nh vi?n tr?c ti?p l? t? ch?c kinh t?S? l??ng th?nh vi?n tr?c ti?p l? t? ch?c kinh t? tham gia h? th?ng.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-3 Th?nh vi?n gi?n ti?p (n?u c?)S? l??ng th?nh vi?n gi?n ti?p (tham gia thanh to?n th?ng qua th?nh vi?n tr?c ti?p).6 th?ng ?u nm/nm6 th?ng ?u nm/nm1.1.2. T?nh h?nh giao d?ch1.1.2. T?nh h?nh giao d?ch1.1.2. T?nh h?nh giao d?ch1.1.2. T?nh h?nh giao d?chG-4 S? l??ng giao d?ch to?n h? th?ngT?ng s? l??ng giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-5 Gi? tr? giao d?ch to?n h? th?ngT?ng gi? tr? giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-6 S? l??ng giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?iT?ng s? l??ng giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-7 Gi? tr? giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?iT?ng gi? tr? giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm6 th?ng ?u nm/nmG-8 S? l??ng giao d?ch c?a th?nh vi?n l? t? ch?c kinh t?T?ng s? l??ng giao d?ch c?a th?nh vi?n l? t? ch?c kinh t? do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm?G-9 Gi? tr? giao d?ch c?a th?nh vi?n l? t? ch?c kinh t?T?ng gi? tr? giao d?ch c?a th?nh vi?n l? t? ch?c kinh t? do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nm?G-10 S? l??ng giao d?ch trong ng?y cao i?mNg?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-11.6 th?ng ?u nm/nm?G-11 Gi? tr? giao d?ch trong ng?y cao i?mNg?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c v?i ng?y t?i G-10.6 th?ng ?u nm/nm?G-12 T? l? t?p trung theo s? l??ng giao d?ch theo th?nh vi?nT? l? % t?ng s? l??ng giao d?ch c?a 5 th?nh vi?n g?i l?n nh?t tr?n t?ng s? l??ng giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? gi? tr?. Th?ng k? chi ti?t danh s?ch v? s? l??ng, gi? tr? giao d?ch c?a t?ng th?nh vi?n ?i v?i 5 th?nh vi?n g?i l?n nh?t v? s? l??ng.6 th?ng ?u nm/nm?G-13 T? l? t?p trung theo gi? tr? giao d?ch theo th?nh vi?nT? l? % t?ng gi? tr? giao d?ch c?a 5 th?nh vi?n g?i l?n nh?t tr?n t?ng gi? tr? giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? s? l??ng. Th?ng k? chi ti?t danh s?ch v? s? l??ng, gi? tr? giao d?ch c?a t?ng th?nh vi?n ?i v?i 5 th?nh vi?n g?i l?n nh?t v? gi? tr?.6 th?ng ?u nm/nm?1.2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? b?o c?o1.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn4" [4]1.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn4" [4]1.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn4" [4]R-1 T?nh s?n s?ng c?a h? th?ngT? l? gi?a th?i gian h? th?ng v?n h?nh th?c t? v? th?i gian v?n h?nh c?a h? th?ng theo quy ?nh.6 th?ng ?u nm/nmR-2 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c?.6 th?ng ?u nm/nm1.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn5" [5]1.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn5" [5]1.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn5" [5]R-3 S? d? ti?n g?i ?u ng?yS? d? ti?n g?i ?u ng?y trung b?nh c?a t?ng th?nh vi?n, bao g?m c?c kho?n thu nh?p t? l?i ti?n g?i.6 th?ng ?u nm/nmR-4 S? l??ng giao d?ch kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?T?ng s? l??ng giao d?ch ??c h? th?ng ch?p nh?n nh?ng kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n c? giao d?ch kh?ng ??c quy?t to?n trong ng?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o. Tr??ng h?p n?u h? th?ng c? c? ch? h?y giao d?ch th? th?ng k? danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n c? giao d?ch b? h?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmR-5 Gi? tr? giao d?ch kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?T?ng gi? tr? giao d?ch ??c h? th?ng ch?p nh?n nh?ng kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n c? giao d?ch kh?ng ??c quy?t to?n trong ng?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o. Tr??ng h?p n?u h? th?ng c? c? ch? h?y giao d?ch th? th?ng k? danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n c? giao d?ch b? h?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nm1.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn6" [6]1.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn6" [6]1.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn6" [6]R-6 Kho?ng th?i gian ch?m tr? trong vi?c quy?t to?n c?c giao d?ch so v?i quy ?nhT?ng th?i gian ch?m tr? trong vi?c quy?t to?n c?c giao d?ch so v?i quy ?nh trong k? b?o c?o.6 th?ng ?u nm/nmR-7 S? l??ng giao d?ch g?p r?i ro do c? ch? PVP HYPERLINK \l "_ftn7" [7] kh?ng ??c ?p d?ngT?ng s? l??ng giao d?ch g?p r?i ro do c? ch? PVP kh?ng ??c ?p d?ng.6 th?ng ?u nm/nmR-8 Gi? tr? giao d?ch g?p r?i ro do c? ch? PVP kh?ng ??c ?p d?ngT?ng gi? tr? giao d?ch g?p r?i ro do c? ch? PVP kh?ng ??c ?p d?ng.6 th?ng ?u nm/nmR-9 Quy?t to?n t?i c?c h? th?ng li?n quanT?ng gi? tr? giao d?ch ??c quy?t to?n t?i c?c h? th?ng li?n quan.6 th?ng ?u nm/nmR-10 T? l? quy?t to?n t?i c?c h? th?ng li?n quanGi? tr? giao d?ch ??c quy?t to?n t?i c?c h? th?ng li?n quan (trung b?nh ng?y)/Gi? tr? c?a c?c giao d?ch (trung b?nh ng?y).6 th?ng ?u nm/nm2. H? th?ng thanh to?n ti?n giao d?ch ch?ng kho?n2.1. T?nh h?nh ho?t ?ngCh? ti?u?nh ngh)a?nh k? b?o c?o2.1.1. Th?ng tin th?nh vi?n2.1.1. Th?ng tin th?nh vi?n2.1.1. Th?ng tin th?nh vi?nG-1 Th?nh vi?n l? t? ch?c t?n d?ngS? l??ng th?nh vi?n l? t? ch?c t?n d?ng tham gia h? th?ng.6 th?ng ?u nm/nmG-2 Th?nh vi?n l? c?ng ty ch?ng kho?nS? l??ng th?nh vi?n l? c?ng ty ch?ng kho?n tham gia h? th?ng.6 th?ng ?u nm/nm2.1.2. T?nh h?nh giao d?ch2.1.2. T?nh h?nh giao d?ch2.1.2. T?nh h?nh giao d?chG-3 S? l??ng giao d?chS? l??ng giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-4 Gi? tr? giao d?chGi? tr? giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-5 S? l??ng giao d?ch c?a th?nh vi?n t? ch?c t?n d?ngS? l??ng giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-6 Gi? tr? giao d?ch c?a th?nh vi?n t? ch?c t?n d?ngGi? tr? giao d?ch c?a c?c th?nh vi?n l? t? ch?c t?n d?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-7 S? l??ng giao d?ch c?a th?nh vi?n c?ng ty ch?ng kho?nS? l??ng giao d?ch c?a c?c th?nh vi?n l? c?ng ty ch?ng kho?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-8 Gi? tr? giao d?ch c?a th?nh vi?n c?ng ty ch?ng kho?nGi? tr? giao d?ch c?a c?c th?nh vi?n l? c?ng ty ch?ng kho?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, tr? c?c giao d?ch b? t? ch?i ho?c h?y. M?i giao d?ch ch? ??c t?nh m?t l?n.6 th?ng ?u nm/nmG-9 S? l??ng giao d?ch trong ng?y cao i?mNg?y cao i?m l? ng?y c? s? l??ng giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-10.6 th?ng ?u nm/nmG-10 Gi? tr? giao d?ch trong ng?y cao i?mNg?y cao i?m l? ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c v?i ng?y t?i G-9.6 th?ng ?u nm/nmG-11 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch c?a 5 th?nh vi?n giao d?ch l?n nh?t tr?n t?ng s? l??ng giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? gi? tr?. Th?ng k? chi ti?t danh s?ch v? s? l??ng, gi? tr? giao d?ch c?a t?ng th?nh vi?n ?i v?i 5 th?nh vi?n g?i l?n nh?t v? s? l??ng.6 th?ng ?u nm/nmG-12 T? l? t?p trung theo gi? tr?T? l? % t?ng gi? tr? giao d?ch c?a 5 th?nh vi?n giao d?ch l?n nh?t tr?n t?ng gi? tr? giao d?ch to?n h? th?ng. 5 th?nh vi?n g?i l?n nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n g?i l?n nh?t v? s? l??ng. Th?ng k? chi ti?t danh s?ch v? s? l??ng, gi? tr? giao d?ch c?a t?ng th?nh vi?n ?i v?i 5 th?nh vi?n g?i l?n nh?t v? gi? tr?.6 th?ng ?u nm/nm2.2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? b?o c?o2.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn8" [8]2.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn8" [8]2.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn8" [8]R-1 T?nh s?n s?ng c?a h? th?ngT? l? gi?a th?i gian h? th?ng v?n h?nh th?c t? v? th?i gian v?n h?nh c?a h? th?ng theo quy ?nh.6 th?ng ?u nm/nmR-2 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c?.6 th?ng ?u nm/nm2.2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn9" [9]2.2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn9" [9]2.2.2. R?i ro t?n d?ng HYPERLINK \l "_ftn9" [9]R-3 S? l?n m?t th?nh vi?n tham gia h? th?ng y?u c?u h? tr? thanh kho?nS? l?n m?t th?nh vi?n tham gia h? th?ng y?u c?u h? tr? thanh kho?n trong k? b?o c?o.6 th?ng ?u nm/nmR-4 S? ti?n m?t th?nh vi?n tham gia h? th?ng y?u c?u h? tr? thanh kho?nT?ng s? ti?n m?t th?nh vi?n tham gia h? th?ng y?u c?u h? tr? thanh kho?n trong k? b?o c?o.6 th?ng ?u nm/nm2.2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn10" [10]2.2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn10" [10]2.2.3. R?i ro thanh kho?n HYPERLINK \l "_ftn10" [10]R-5 S? d? ti?n g?i ?u ng?yS? d? ti?n g?i ?u ng?y trung b?nh c?a t?ng th?nh vi?n t?i Ng?n h?ng quy?t to?n HYPERLINK \l "_ftn11" [11], bao g?m c?c kho?n thu nh?p t? l?i ti?n g?i.6 th?ng ?u nm/nmR-6 S? l??ng giao d?ch kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?S? l??ng giao d?ch ??c h? th?ng ch?p nh?n nh?ng kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n c? giao d?ch kh?ng ??c quy?t to?n trong ng?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o. Tr??ng h?p n?u h? th?ng c? c? ch? h?y giao d?ch th? th?ng k? danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n c? giao d?ch b? h?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmR-7 Gi? tr? giao d?ch kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?Gi? tr? giao d?ch ??c h? th?ng ch?p nh?n nh?ng kh?ng ??c quy?t to?n trong ng?y do th?nh vi?n tham gia thi?u s? d?. Th?ng k? danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n c? giao d?ch kh?ng ??c quy?t to?n trong ng?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o. Tr??ng h?p n?u h? th?ng c? c? ch? h?y giao d?ch th? th?ng k? danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n c? giao d?ch b? h?y do thi?u s? d? theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nm2.2.4. R?i ro quy?t to?n HYPERLINK \l "_ftn12" [12]2.2.4. R?i ro quy?t to?n HYPERLINK \l "_ftn12" [12]2.2.4. R?i ro quy?t to?n HYPERLINK \l "_ftn12" [12]R-8 Kho?ng th?i gian ch?m tr? trong vi?c quy?t to?n c?c giao d?ch so v?i quy ?nhT?ng th?i gian (t?nh theo gi?) ch?m tr? trong vi?c quy?t to?n c?a h? th?ng.6 th?ng ?u nm/nmR-9 S? l??ng giao d?ch g?p r?i ro do c? ch? DVP HYPERLINK \l "_ftn13" [13] kh?ng ??c ?p d?ngT?ng s? l??ng giao d?ch g?p r?i ro do c? ch? DVP kh?ng ??c ?p d?ng.6 th?ng ?u nm/nmR-10 Gi? tr? giao d?ch g?p r?i ro do c? ch? DVP kh?ng ??c ?p d?ngT?ng gi? tr? giao d?ch g?p r?i ro do c? ch? DVP kh?ng ??c ?p d?ng.6 th?ng ?u nm/nm3. H? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh3.1. T?nh h?nh ho?t ?ngCh? ti?u?nh ngh)a?nh k? b?o c?o3.1.1. Th?ng tin th?nh vi?n v? ?i t?c kh?c3.1.1. Th?ng tin th?nh vi?n v? ?i t?c kh?c3.1.1. Th?ng tin th?nh vi?n v? ?i t?c kh?cG-1 Th?nh vi?n k?t n?i d?ch v? b? tr?, chuy?n m?ch n?i ?aS? l??ng th?nh vi?n k?t n?i d?ch v? b? tr?, chuy?n m?ch n?i ?a ph?n theo t?ng k?nh giao d?ch g?m: qua ATM, POS, Internet, ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng.6 th?ng ?u nm/nmG-2 H? th?ng thanh to?n qu?c t? k?t n?i v?i h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh qu?c t?S? l??ng h? th?ng thanh to?n qu?c t? k?t n?i v?i h? th?ng b? tr?, chuy?n m?ch giao d?ch t?i ch?nh qu?c t?.6 th?ng ?u nm/nmG-3 Th?nh vi?n k?t n?i H? th?ng thanh to?n b? tr? t? ?ng cho c?c giao d?ch b?n l? (H? th?ng ACH)S? l??ng th?nh vi?n k?t n?i H? th?ng ACH.6 th?ng ?u nm/nm3.1.2. T?nh h?nh giao d?ch3.1.2. T?nh h?nh giao d?ch3.1.2. T?nh h?nh giao d?cha) Giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?cha) Giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?cha) Giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?chG-4 S? l??ng giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c x? l? th?nh c?ngT?ng s? l??ng giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-5 Gi? tr? giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c x? l? th?nh c?ngT?ng gi? tr? giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-6 S? l??ng giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng s? l??ng giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-7.6 th?ng ?u nm/nmG-7 Gi? tr? giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng gi? tr? giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-6.6 th?ng ?u nm/nmG-8 S? l??ng giao d?ch r?t ti?n m?t qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aS? l??ng giao d?ch r?t ti?n m?t qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-9 Gi? tr? giao d?ch r?t ti?n m?t qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aGi? tr? giao d?ch r?t ti?n m?t qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-10 S? l??ng giao d?ch thanh to?n qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aS? l??ng giao d?ch chuy?n kho?n, thanh to?n h?ng h?a, d?ch v? qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-11 Gi? tr? giao d?ch thanh to?n qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aGi? tr? giao d?ch chuy?n kho?n, thanh to?n h?ng h?a, d?ch v? qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-12 S? l??ng giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c x? l? th?nh c?ngT?ng s? l??ng giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-13 Gi? tr? giao d?ch qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c x? l? th?nh c?ngT?ng gi? tr? giao d?ch t?i ch?nh qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-14 S? l??ng giao d?ch c? tra so?t, khi?u n?i qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng s? l??ng giao d?ch qua ATM c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-15 Gi? tr? giao d?ch c? tra so?t, khi?u n?i qua ATM s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng gi? tr? giao d?ch qua ATM c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-16 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch b? tr?, chuy?n m?ch t? ATM c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? gi? tr?.6 th?ng ?u nm/nmG-17 T? l? t?p trung theo gi? tr?T? l? % t?ng gi? tr? giao d?ch b? tr?, chuy?n m?ch t? ATM c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng gi? tr? giao d?ch. Th?ng k? chi ti?t danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? s? l??ng.6 th?ng ?u nm/nmb) Giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?chb) Giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?chb) Giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?chG-18 S? l??ng giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c x? l? th?nh c?ngT?ng s? l??ng giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-19 Gi? tr? giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c x? l? th?nh c?ngT?ng gi? tr? giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-20 S? l??ng giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng s? l??ng giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-21.6 th?ng ?u nm/nmG-21 Gi? tr? giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng gi? tr? giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-20.6 th?ng ?u nm/nmG-22 S? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aS? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-23 Gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aGi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-24 S? l??ng giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c x? l? th?nh c?ngT?ng s? l??ng giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-25 Gi? tr? giao d?ch qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c x? l? th?nh c?ngT?ng gi? tr? giao d?ch t?i ch?nh qua POS s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-26 S? l??ng giao d?ch c? tra so?t, khi?u n?i qua POST?ng s? l??ng giao d?ch qua POS c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-27 Gi? tr? giao d?ch c? tra so?t, khi?u n?i qua POST?ng gi? tr? giao d?ch qua POS c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-28 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch b? tr? chuy?n m?ch t? POS c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? gi? tr?.6 th?ng ?u nm/nmG-29 T? l? t?p trung theo gi? tr?T? l? % gi? tr? giao d?ch b? tr?, chuy?n m?ch t? POS c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng gi? tr? giao d?ch. Th?ng k? chi ti?t danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? s? l??ng.6 th?ng ?u nm/nmc) Giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?chc) Giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?chc) Giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?chG-30 S? l??ng giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aT?ng s? l??ng giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-31 Gi? tr? giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aT?ng gi? tr? giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-32 S? l??ng giao d?ch qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng s? l??ng giao d?ch qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-33.6 th?ng ?u nm/nmG-33 Gi? tr? giao d?ch qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng gi? tr? giao d?ch qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-32.6 th?ng ?u nm/nmG-34 S? l??ng giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t?T?ng s? l??ng giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-35 Gi? tr? giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t?T?ng gi? tr? giao d?ch thanh to?n qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-36 S? l??ng giao d?ch c? tra so?t, khi?u n?i qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng s? l??ng giao d?ch qua Internet c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-37 Gi? tr? giao d?ch c? tra so?t, khi?u n?i qua Internet s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng gi? tr? giao d?ch qua Internet c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-38 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch b? tr?, chuy?n m?ch giao d?ch thanh to?n qua Internet c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? gi? tr?.6 th?ng ?u nm/nmG-39 T? l? t?p trung theo gi? tr?T? l? % t?ng gi? tr? giao d?ch b? tr?, chuy?n m?ch giao d?ch thanh to?n qua Internet c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng gi? tr? giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? s? l??ng.6 th?ng ?u nm/nmd) Giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?chd) Giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?chd) Giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?chG-40 S? l??ng giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aT?ng s? l??ng giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-41 Gi? tr? giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?aT?ng gi? tr? giao d?ch giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-42 S? l??ng giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng s? l??ng giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-43.6 th?ng ?u nm/nmG-43 Gi? tr? giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a trong ng?y cao i?mT?ng gi? tr? giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch n?i ?a ??c h? th?ng x? l? th?nh c?ng trong ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-42.6 th?ng ?u nm/nmG-44 S? l??ng giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t?T?ng s? l??ng giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-45 Gi? tr? giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t?T?ng gi? tr? giao d?ch giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?ch qu?c t? ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng h? th?ng thanh to?n qu?c t?.6 th?ng ?u nm/nmG-46 S? l??ng giao d?ch c? tra so?t, khi?u n?i qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng s? l??ng giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-47 Gi? tr? giao d?ch c? tra so?t, khi?u n?i qu? ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng s? d?ng d?ch v? b? tr?, chuy?n m?chT?ng gi? tr? giao d?ch qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng c? ph?t sinh tra so?t, khi?u n?i (bao g?m giao d?ch b? tr?, chuy?n m?ch n?i ?a v? b? tr?, chuy?n m?ch qu?c t?) theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-48 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch b? tr?, chuy?n m?ch giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? gi? tr?.6 th?ng ?u nm/nmG-49 T? l? t?p trung theo gi? tr?T? l? % t?ng gi? tr? giao d?ch b? tr?, chuy?n m?ch giao d?ch thanh to?n qua ch??ng tr?nh ?ng d?ng tr?n thi?t b? di ?ng c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng gi? tr? giao d?ch. Th?ng k? chi ti?t danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? s? l??ng6 th?ng ?u nm/nm) Giao d?ch qua H? th?ng ACH) Giao d?ch qua H? th?ng ACH) Giao d?ch qua H? th?ng ACHG-50 S? l??ng giao d?ch qua H? th?ng ACHT?ng s? l??ng giao d?ch ??c H? th?ng ACH x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-51 Gi? tr? giao d?ch qua H? th?ng ACHT?ng gi? tr? giao d?ch ??c H? th?ng ACH x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-52 S? l??ng giao d?ch thanh to?n qua H? th?ng ACHT?ng s? l??ng giao d?ch thanh to?n ??c H? th?ng ACH x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-53 Gi? tr? giao d?ch thanh to?n qua H? th?ng ACHT?ng gi? tr? giao d?ch thanh to?n ??c H? th?ng ACH x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-54 S? l??ng giao d?ch qua H? th?ng ACH trong ng?y cao i?mT?ng s? l??ng giao d?ch ??c H? th?ng ACH x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-55.6 th?ng ?u nm/nmG-55 Gi? tr? giao d?ch qua H? th?ng ACH trong ng?y cao i?mT?ng gi? tr? giao d?ch ??c H? th?ng ACH x? l? th?nh c?ng trong ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-54.6 th?ng ?u nm/nmG-56 S? l??ng giao d?ch qua H? th?ng ACH c? ph?t sinh tra so?t, khi?u n?iT?ng s? l??ng giao d?ch qua H? th?ng ACH c? ph?t sinh tra so?t, khi?u n?i theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-57 Gi? tr? giao d?ch qua H? th?ng ACH c? ph?t sinh tra so?t, khi?u n?iT?ng gi? tr? giao d?ch qua H? th?ng ACH c? ph?t sinh tra so?t, khi?u n?i theo t?ng th?ng trong k? b?o c?o.6 th?ng ?u nm/nmG-58 T? l? t?p trung theo s? l??ngT? l? % t?ng s? l??ng giao d?ch qua H? th?ng ACH c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? s? l??ng giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? s? l??ng c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? gi? tr?.6 th?ng ?u nm/nmG-59 T? l? t?p trung theo gi? tr?T? l? % t?ng gi? tr? giao d?ch qua H? th?ng ACH c?a 5 th?nh vi?n nhi?u nh?t tr?n t?ng s? l??ng giao d?ch. Th?ng k? chi ti?t danh s?ch v? gi? tr? giao d?ch c?a t?ng th?nh vi?n. 5 th?nh vi?n nhi?u nh?t v? gi? tr? c? th? kh?c v?i 5 th?nh vi?n nhi?u nh?t v? s? l??ng.6 th?ng ?u nm/nm3.2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? b?o c?o3.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn14" [14]3.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn14" [14]3.2.1. R?i ro v?n h?nh HYPERLINK \l "_ftn14" [14]R-1 T?nh s?n s?ng c?a h? th?ngT? l? gi?a th?i gian h? th?ng v?n h?nh th?c t? v? th?i gian v?n h?nh c?a h? th?ng theo quy ?nh.6 th?ng ?u nm/nmR-2 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c?.6 th?ng ?u nm/nm3.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn15" [15]3.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn15" [15]3.2.2. R?i ro thanh kho?n HYPERLINK \l "_ftn15" [15]R-3 H?n m?c b? tr? i?n t? c?a t?ng th?nh vi?n quy?t to?nH?n m?c b? tr? i?n t? c?a t?ng th?nh vi?n quy?t to?n t?i th?i i?m ?u k? b?o c?o.6 th?ng ?u nm/nmR-4 Thay ?i h?n m?c b? tr? i?n t? c?a t?ng th?nh vi?n quy?t to?nThay ?i h?n m?c b? tr? i?n t? c?a t?ng th?nh vi?n quy?t to?n theo t?ng th?i i?m thay ?i trong k? b?o c?o.6 th?ng ?u nm/nm3.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn16" [16]3.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn16" [16]3.2.3. R?i ro quy?t to?n HYPERLINK \l "_ftn16" [16]R-5 Th?i gian giao d?ch quy?t to?n trong h?ng ?i do thi?u kh? nng thanh to?nT?ng th?i gian (t?nh theo gi?) giao d?ch quy?t to?n c?a t?ng th?nh vi?n trong h?ng ?i do thi?u kh? nng thanh to?n, th?ng k? chi ti?t theo t?ng giao d?ch.6 th?ng ?u nm/nmR-6 Gi? tr? giao d?ch quy?t to?n c?a th?nh vi?n thi?u kh? nng thanh to?nGi? tr? giao d?ch quy?t to?n c?a t?ng th?nh vi?n thi?u kh? nng thanh to?n, chi ti?t theo t?ng giao d?ch t?i R-5.6 th?ng ?u nm/nmR-7 S? ti?n thi?u h?t ? x? l? giao d?ch quy?t to?n c?a th?nh vi?n thi?u kh? nng thanh to?nS? ti?n thi?u h?t ? x? l? giao d?ch quy?t to?n c?a t?ng th?nh vi?n thi?u kh? nng thanh to?n, chi ti?t theo t?ng giao d?ch t?i R-5.6 th?ng ?u nm/nm?PH? L?C VS? LI?U T?NH H?NH H?P T?C CUNG ?NG D?CH V? TRUNG GIAN THANH TO?N C?A NG?N H?NG H?P T?C (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)1. D?ch v? v? i?n t?Ch? ti?u?nh ngh)a?nh k? b?o c?o1.1. Th?ng tin ?i t?c1.1. Th?ng tin ?i t?c1.1. Th?ng tin ?i t?cG-1 T? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?cDanh s?ch c?c t? ch?c cung ?ng d?ch v? trung gian thanh to?n ang h?p t?c v?i ng?n h?ng t?nh ?n cu?i k? b?o c?o, th?i gian tri?n khai h?p t?c.Qu?/nm1.2. Li?n k?t v? i?n t?1.2. Li?n k?t v? i?n t?1.2. Li?n k?t v? i?n t?G-2 S? l??ng t?i kho?n thanh to?n th?c hi?n li?n k?t v?i v? i?n t?S? l??ng t?i kho?n ?ng Vi?t Nam c?a kh?ch h?ng m? t?i ng?n h?ng th?c hi?n li?n k?t v?i v? i?n t? t?nh ?n cu?i k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-3 S? l??ng th? ghi n? th?c hi?n li?n k?t v?i v? i?n t?S? l??ng th? ghi n? c?a kh?ch h?ng m? t?i ng?n h?ng th?c hi?n li?n k?t v?i v? i?n t? t?nh ?n cu?i k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nm1.3. Giao d?ch1.3. Giao d?ch1.3. Giao d?chG-4 S? l??ng giao d?ch ghi n?T?ng s? l??ng giao d?ch ghi n? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? m? t?i ng?n h?ng ??c th?ng k? theo t?ng m?c ?ch giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-5 Gi? tr? giao d?ch ghi n?T?ng gi? tr? giao d?ch ghi n? t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? m? t?i ng?n h?ng ??c th?ng k? theo t?ng m?c ?ch giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-6 S? l??ng giao d?ch n?p ti?n m?t v?o t?i kho?n ?m b?o thanh to?nT?ng s? l??ng giao d?ch n?p ti?n m?t v?o t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? c?a t? ch?c cung ?ng d?ch v? v? i?n t? m? t?i ng?n h?ng h?p t?c ? n?p ti?n v?o v? i?n t?. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-7 Gi? tr? giao d?ch n?p ti?n m?t v?o t?i kho?n ?m b?o thanh to?nT?ng gi? tr? giao d?ch n?p ti?n m?t v?o t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? c?a t? ch?c cung ?ng d?ch v? v? i?n t? m? t?i ng?n h?ng h?p t?c ? n?p ti?n v?o v? i?n t?. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nm1.4. T?i kho?n ?m b?o thanh to?n1.4. T?i kho?n ?m b?o thanh to?n1.4. T?i kho?n ?m b?o thanh to?nG-8 T?i kho?n ?m b?o thanh to?n d?ch v? v? i?n t?Danh s?ch c?c t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?nh ?n cu?i k? b?o c?o.Qu?/nmG-9 S? d? t?i kho?n ?m b?o thanh to?n d?ch v? v? i?n t?S? d? c?a t?ng t?i kho?n ?m b?o thanh to?n cho d?ch v? v? i?n t? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?i th?i i?m cu?i k? b?o c?o.Qu?/nm2. D?ch v? c?ng thanh to?n i?n t?Ch? ti?u?nh ngh)a?nh k? b?o c?o2.1. Th?ng tin ?i t?c2.1. Th?ng tin ?i t?c2.1. Th?ng tin ?i t?cG-1 T? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?cDanh s?ch c?c t? ch?c cung ?ng d?ch v? trung gian thanh to?n ang h?p t?c v?i ng?n h?ng t?nh ?n cu?i k? b?o c?o, th?i gian tri?n khai h?p t?c.Qu?/nm2.2. Giao d?ch2.2. Giao d?ch2.2. Giao d?chG-2 S? l??ng giao d?chT?ng s? l??ng giao d?ch ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-3 Gi? tr? giao d?chT?ng gi? tr? giao d?ch ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nm3. D?ch v? h? tr? thu h?, chi h?Ch? ti?u?nh ngh)a?nh k? b?o c?o3.1. Th?ng tin ?i t?c3.1. Th?ng tin ?i t?c3.1. Th?ng tin ?i t?cG-1 T? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?cDanh s?ch c?c t? ch?c cung ?ng d?ch v? trung gian thanh to?n ang h?p t?c v?i ng?n h?ng t?nh ?n cu?i k? b?o c?o, th?i gian tri?n khai h?p t?c.Qu?/nm3.2. Giao d?ch3.2. Giao d?ch3.2. Giao d?chG-2 S? l??ng giao d?chT?ng s? l??ng giao d?ch c?a d?ch v? h? tr? thu h?, chi h? ph?t sinh tr?n t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t?i ng?n h?ng b?o c?o ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t?i kho?n ?m b?o thanh to?n c?a t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-3 Gi? tr? giao d?chT?ng gi? tr? giao d?ch c?a d?ch v? h? tr? thu h?, chi h? ph?t sinh tr?n t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t?i ng?n h?ng b?o c?o ??c h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o. Th?ng k? theo t?ng t?i kho?n ?m b?o thanh to?n c?a t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nm3.3. T?i kho?n ?m b?o thanh to?n3.3. T?i kho?n ?m b?o thanh to?n3.3. T?i kho?n ?m b?o thanh to?nG-4 T?i kho?n ?m b?o thanh to?n d?ch v? h? tr? thu h?, chi h?Danh s?ch c?c t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?nh ?n cu?i k? b?o c?o.Qu?/nmG-5 S? d? t?i kho?n ?m b?o thanh to?n d?ch v? h? tr? thu h?, chi h?S? d? c?a t?ng t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?i th?i i?m cu?i k? b?o c?o.Qu?/nm3.4. C?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c3.4. C?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c3.4. C?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?cG-6 Bi?n ph?p ?m b?o kh? nng thanh to?n kh?cC?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c ngo?i t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n th?a thu?n v?i ng?n h?ng h?p t?c. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nmG-7 Gi? tr? c?a bi?n ph?p ?m b?o kh? nng thanh to?n kh?cGi? tr? c?a c?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c ngo?i t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n th?a thu?n v?i ng?n h?ng h?p t?c. Th?ng k? theo t?ng t? ch?c cung ?ng d?ch v? trung gian thanh to?n h?p t?c.Qu?/nm?PH? L?C VIS? LI?U T?NH H?NH HO?T ?NG CUNG ?NG D?CH V? TRUNG GIAN THANH TO?N (Ban h?nh k?m theo Th?ng t? s? 41/2024/TT-NHNN ng?y 17 th?ng 7 nm 2024 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)1. D?ch v? c?ng thanh to?n i?n t?1.1. T?nh h?nh cung ?ng d?ch v?Ch? ti?u?nh ngh)a?nh k? b?o c?o1.1.1. Th?ng tin chung1.1.1. Th?ng tin chung1.1.1. Th?ng tin chungG-1 Th?ng tin d?ch v? c?ng thanh to?n i?n t?T?n/th??ng hi?u d?ch v? c?ng thanh to?n i?n t?.Qu?/nmG-2 K?nh cung ?ng d?ch v? c?ng thanh to?n i?n t?T?n ?ng d?ng tr?n thi?t b? di ?ng v? ?a ch? trang th?ng tin i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n (n?u c?) ho?c k?nh kh?c ??c s? d?ng ? cung c?p d?ch v? c?ng thanh to?n i?n t?, m? t? c? th? k?nh cung ?ng d?ch v? c?ng thanh to?n i?n t? kh?c (n?u c?).Qu?/nm1.1.2. Th?ng tin ?i t?c1.1.2. Th?ng tin ?i t?c1.1.2. Th?ng tin ?i t?cG-3 Ng?n h?ng h?p t?cDanh s?ch ng?n h?ng, chi nh?nh ng?n h?ng n??c ngo?i c? k? h?p ?ng ho?c th?a thu?n v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n v? vi?c h?p t?c cung ?ng d?ch v? trung gian thanh to?n.Qu?/nmG-4 ?n v? ch?p nh?n thanh to?nS? l??ng ?n v? ch?p nh?n thanh to?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o.Qu?/nmG-5 ?n v? ch?p nh?n thanh to?n l? c? nh?nS? l??ng ?n v? ch?p nh?n thanh to?n l? c? nh?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code.Qu?/nmG-6 ?n v? ch?p nh?n thanh to?n l? t? ch?cS? l??ng ?n v? ch?p nh?n thanh to?n l? t? ch?c ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code, s? l??ng ?n v? ch?p nh?n thanh to?n l? h? kinh doanh.Qu?/nm1.1.3. T?nh h?nh giao d?ch1.1.3. T?nh h?nh giao d?ch1.1.3. T?nh h?nh giao d?chG-7 S? l??ng giao d?ch x? l? th?nh c?ngT?ng s? l??ng giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o c? k?t n?i v?i c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c, s? l??ng giao d?ch ??c ch?p nh?n thanh to?n qua QR Code.Qu?/nmG-8 Gi? tr? giao d?ch x? l? th?nh c?ngT?ng gi? tr? giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o c? k?t n?i v?i c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c, gi? tr? giao d?ch ??c ch?p nh?n thanh to?n qua QR Code.Qu?/nmG-9 S? l??ng giao d?ch x? l? kh?ng th?nh c?ng HYPERLINK \l "_ftn17" [17]T?ng s? l??ng giao d?ch do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-10 Gi? tr? giao d?ch x? l? kh?ng th?nh c?ngT?ng gi? tr? giao d?ch do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-11 S? l??ng giao d?ch v? i?n t? ??c x? l? qua c?ng thanh to?n i?n t?T?ng s? l??ng giao d?ch v? i?n t? ??c x? l? th?nh c?ng qua c?ng thanh to?n i?n t? theo t?ng th?ng trong k? b?o c?o (trong ? ph?n theo v? i?n t? do t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o cung ?ng v? v? i?n t? do t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c cung ?ng).Qu?/nmG-12 Gi? tr? giao d?ch v? i?n t? ??c x? l? qua c?ng thanh to?n i?n t?T?ng gi? tr? giao d?ch v? i?n t? ??c x? l? th?nh c?ng qua c?ng thanh to?n i?n t? theo t?ng th?ng trong k? b?o c?o (trong ? ph?n theo v? i?n t? do t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o cung ?ng v? v? i?n t? do t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c cung ?ng).Qu?/nmG-13 S? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i x? l? th?nh c?ngT?ng s? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-14 Gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i x? l? th?nh c?ngT?ng gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-15 S? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng s? l??ng giao d?ch ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-16 Gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng gi? tr? giao d?ch ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-17 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-18 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-19 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-20 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-21 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-22 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n l? h? kinh doanh, n?u r? t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh c? ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-23 S? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?pT?ng s? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?p do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-24 Gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?pT?ng gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?p do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nm1.2. T?nh h?nh v?n h?nhCh? ti?u?nh ngh)a?nh k? b?o c?oR-1 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c? l?m gi?n o?n vi?c cung ?ng d?ch v? c?ng thanh to?n i?n t? tr?n 30 ph?t trong k? b?o c?o.Qu?/nmR-2 S? l??ng giao d?ch li?n quan ?n s? c?S? l??ng giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nmR-3 Gi? tr? giao d?ch li?n quan ?n s? c?Gi? tr? giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nm2. D?ch v? v? i?n t?2.1. T?nh h?nh cung ?ng d?ch v?Ch? ti?u?nh ngh)a?nh k? b?o c?o2.1.1. Th?ng tin v? i?n t?2.1.1. Th?ng tin v? i?n t?2.1.1. Th?ng tin v? i?n t?G-1 Th?ng tin v? i?n t?T?n/th??ng hi?u d?ch v? v? i?n t?.Qu?/nmG-2 K?nh cung ?ng d?ch v? v? i?n t?T?n ?ng d?ng tr?n thi?t b? di ?ng v? ?a ch? trang th?ng tin i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n (n?u c?) ho?c k?nh kh?c ??c s? d?ng ? cung c?p d?ch v? v? i?n t?, m? t? c? th? k?nh cung ?ng d?ch v? v? i?n t? kh?c (n?u c?).Qu?/nm2.1.2. Th?ng tin ?i t?c2.1.2. Th?ng tin ?i t?c2.1.2. Th?ng tin ?i t?cG-3 Ng?n h?ng h?p t?cDanh s?ch ng?n h?ng, chi nh?nh ng?n h?ng n??c ngo?i c? k? h?p ?ng ho?c th?a thu?n v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n v? vi?c h?p t?c cung ?ng d?ch v? v? i?n t? t?nh ?n cu?i k? b?o c?o.Qu?/nmG-4 ?n v? ch?p nh?n thanh to?nTh?ng k? s? l??ng ?n v? ch?p nh?n thanh to?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o.Qu?/nmG-5 ?n v? ch?p nh?n thanh to?n l? c? nh?nS? l??ng ?n v? ch?p nh?n thanh to?n l? c? nh?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code, ?n v? ch?p nh?n thanh to?n c? m? v? i?n t?.Qu?/nmG-6 ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh)S? l??ng ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code, ?n v? ch?p nh?n thanh to?n c? m? v? i?n t?.Qu?/nmG-7 ?n v? ch?p nh?n thanh to?n l? h? kinh doanhS? l??ng ?n v? ch?p nh?n thanh to?n l? h? kinh doanh ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code, ?n v? ch?p nh?n thanh to?n c? m? v? i?n t?.Qu?/nmG-8 Kh?ch h?ng c? nh?nS? l??ng kh?ch h?ng c? nh?n s? d?ng d?ch v? (kh?ng bao g?m c? nh?n l? ?n v? ch?p nh?n thanh to?n).Qu?/nmG-9 Kh?ch h?ng t? ch?cS? l??ng kh?ch h?ng t? ch?c s? d?ng d?ch v? (kh?ng bao g?m t? ch?c l? ?n v? ch?p nh?n thanh to?n).Qu?/nmG-10 T? ch?c cung ?ng d?ch v? chuy?n m?ch t?i ch?nh v? b? tr? i?n t? ? k?t n?iDanh s?ch t? ch?c cung ?ng d?ch v? chuy?n m?ch t?i ch?nh v? b? tr? i?n t? ? k?t n?i t?nh ?n cu?i k? b?o c?o bao g?m c?c th?ng tin: t? ch?c cung ?ng d?ch v? chuy?n m?ch t?i ch?nh v? b? tr? i?n t?, th?i gian tri?n khai h?p t?c.Qu?/nm2.1.3. T?nh h?nh giao d?ch2.1.3. T?nh h?nh giao d?ch2.1.3. T?nh h?nh giao d?chG-11 S? l??ng giao d?ch x? l? th?nh c?ngT?ng s? l??ng giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? s? l??ng giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c, s? l??ng giao d?ch ??c ch?p nh?n thanh to?n qua QR Code, s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t? HYPERLINK \l "_ftn18" [18].Qu?/nmG-12 Gi? tr? giao d?ch x? l? th?nh c?ngT?ng gi? tr? giao d?ch do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? gi? tr? giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c, gi? tr? giao d?ch ??c ch?p nh?n thanh to?n qua QR Code, gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-13 S? l??ng giao d?ch x? l? kh?ng th?nh c?ngT?ng s? l??ng giao d?ch do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-14 Gi? tr? giao d?ch x? l? kh?ng th?nh c?ngT?ng gi? tr? giao d?ch do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-15 S? l??ng giao d?ch qua InternetT?ng s? l??ng giao d?ch c?a kh?ch h?ng th?c hi?n tr?n trang th?ng tin i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n ho?c t? ch?c, c? nh?n kh?c, bao g?m c?c giao d?ch ??c th?c hi?n b?ng vi?c truy c?p Internet tr?n thi?t b? di ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-16 Gi? tr? giao d?ch qua InternetT?ng gi? tr? giao d?ch c?a kh?ch h?ng th?c hi?n tr?n trang th?ng tin i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n ho?c t? ch?c, c? nh?n kh?c, bao g?m c?c giao d?ch ??c th?c hi?n b?ng vi?c truy c?p Internet tr?n thi?t b? di ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-17 S? l??ng giao d?ch qua ?ng d?ng tr?n thi?t b? di ?ngT?ng s? l??ng giao d?ch c?a kh?ch h?ng th?c hi?n qua ?ng d?ng tr?n thi?t b? di ?ng c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-18 Gi? tr? giao d?ch qua ?ng d?ng tr?n thi?t b? di ?ngT?ng gi? tr? giao d?ch c?a kh?ch h?ng th?c hi?n qua ?ng d?ng tr?n thi?t b? di ?ng c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-19 S? l??ng giao d?ch qua k?nh kh?c HYPERLINK \l "_ftn19" [19]T?ng s? l??ng giao d?ch c?a kh?ch h?ng th?c hi?n qua k?nh kh?c c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n (n?u c?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-20 Gi? tr? giao d?ch qua k?nh kh?cT?ng gi? tr? giao d?ch c?a kh?ch h?ng th?c hi?n qua k?nh kh?c c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n (n?u c?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-21 S? l??ng giao d?ch n?p ti?nT?ng s? l??ng giao d?ch n?p ti?n v?o v? i?n t? chia theo t?ng ngu?n n?p ti?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-22 Gi? tr? giao d?ch n?p ti?nT?ng gi? tr? giao d?ch n?p ti?n v?o v? i?n t? chia theo t?ng ngu?n n?p ti?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-23 S? l??ng giao d?ch thanh to?nT?ng s? l??ng giao d?ch thanh to?n b?ng v? i?n t? ph?n theo m?c ?ch thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-24 Gi? tr? giao d?ch thanh to?nT?ng gi? tr? giao d?ch thanh to?n b?ng v? i?n t? ph?n theo m?c ?ch thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-25 S? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?pT?ng s? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?p do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-26 Gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?pT?ng gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung c?p do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-27 S? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?iT?ng s? l??ng giao d?ch thanh to?n cho h?ng h?a, d?ch v? n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-28 Gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?iT?ng gi? tr? giao d?ch thanh to?n cho h?ng h?a, d?ch v? n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-29 S? l??ng giao d?ch chuy?n ti?nT?ng s? l??ng giao d?ch chuy?n ti?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-30 Gi? tr? giao d?ch chuy?n ti?nT?ng gi? tr? giao d?ch chuy?n ti?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-31 S? l??ng giao d?ch chuy?n ti?n ?n t?i kho?n thanh to?n, th? ghi n?T?ng s? l??ng giao d?ch chuy?n ti?n ?n t?i kho?n ?ng Vi?t Nam, th? ghi n? (kh?ng ph?i c?a ch? v? i?n t?) t?i ng?n h?ng, chi nh?nh ng?n h?ng n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-32 Gi? tr? giao d?ch chuy?n ti?n ?n t?i kho?n thanh to?n, th? ghi n?T?ng gi? tr? giao d?ch chuy?n ti?n ?n t?i kho?n ?ng vi?t Nam, th? ghi n? (kh?ng ph?i c?a ch? v? i?n t?) t?i ng?n h?ng, chi nh?nh ng?n h?ng n??c ngo?i do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-33 S? l??ng giao d?ch chuy?n ti?n ?n v? i?n t? c?ng h? th?ngT?ng s? l??ng giao d?ch chuy?n ti?n ?n v? i?n t? kh?c do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-34 Gi? tr? giao d?ch chuy?n ti?n ?n v? i?n t? c?ng h? th?ngT?ng gi? tr? giao d?ch chuy?n ti?n ?n v? i?n t? kh?c do ch?nh t? ch?c cung ?ng d?ch v? trung gian thanh to?n cung ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-35 S? l??ng giao d?ch chuy?n ti?n ?n v? i?n t? kh?c h? th?ngT?ng s? l??ng giao d?ch chuy?n ti?n ?n v? i?n t? kh?c do t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c cung ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-36 Gi? tr? giao d?ch chuy?n ti?n ?n v? i?n t? kh?c h? th?ngT?ng gi? tr? giao d?ch chuy?n ti?n ?n v? i?n t? kh?c do t? ch?c cung ?ng d?ch v? trung gian thanh to?n kh?c cung ?ng do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-37 S? l??ng giao d?ch r?t ti?nT?ng s? l??ng giao d?ch r?t ti?n ra kh?i v? i?n t? do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? s? l??ng giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-38 Gi? tr? giao d?ch r?t ti?nT?ng gi? tr? giao d?ch r?t ti?n ra kh?i v? i?n t? do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o, trong ? n?u r? gi? tr? giao d?ch ph?n theo ?i t??ng kh?ch h?ng m? v? i?n t?.Qu?/nmG-39 S? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng s? l??ng giao d?ch ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? s? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-40 Gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng gi? tr? giao d?ch ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-41 S? l??ng giao d?ch trong ng?y cao i?mT?ng s? l??ng giao d?ch ??c h? th?ng x? l? th?nh c?ng trong ng?y c? nhi?u giao d?ch nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c ng?y t?i G-42.Qu?/nmG-42 Gi? tr? giao d?ch trong ng?y cao i?mT?ng gi? tr? giao d?ch ??c h? th?ng x? l? th?nh c?ng trong ng?y c? gi? tr? giao d?ch l?n nh?t trong k? b?o c?o. Ng?y n?y c? th? kh?c v?i ng?y t?i G-41.Qu?/nmG-43 Giao d?ch c?a kh?ch h?ng t? ch?c c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a kh?ch h?ng l? t? ch?c c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng kh?ch h?ng l? t? ch?c, n?u r? s? hi?u v? i?n t?, t?n t? ch?c, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-44 Giao d?ch c?a kh?ch h?ng t? ch?c c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a kh?ch h?ng l? t? ch?c c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng kh?ch h?ng l? t? ch?c, n?u r? s? hi?u v? i?n t?, t?n t? ch?c, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-45 Giao d?ch c?a kh?ch h?ng c? nh?n c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a kh?ch h?ng l? c? nh?n c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng kh?ch h?ng l? c? nh?n, n?u r? s? hi?u v? i?n t?, h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-46 Giao d?ch c?a kh?ch h?ng c? nh?n c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a kh?ch h?ng l? c? nh?n c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng kh?ch h?ng l? c? nh?n, n?u r? s? hi?u v? i?n t?, h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-47 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-48 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-49 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-50 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-51 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-52 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 v? i?n t? c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o, th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? s? hi?u v? i?n t?, t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh c? ph?t sinh giao d?ch, s? l??ng v? gi? tr? t?ng lo?i giao d?ch. S? l??ng v? i?n t? c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nm2.2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? b?o c?o2.2.1. R?i ro v?n h?nh2.2.1. R?i ro v?n h?nh2.2.1. R?i ro v?n h?nhR-1 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c? l?m gi?n o?n vi?c cung ?ng d?ch v? v? i?n t? tr?n 30 ph?t trong k? b?o c?o.Qu?/nmR-2 S? l??ng giao d?ch li?n quan ?n s? c?T?ng s? l??ng giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nmR-3 Gi? tr? giao d?ch li?n quan ?n s? c?T?ng gi? tr? giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nm2.2.2. R?i ro gian l?n, l?a ?o2.2.2. R?i ro gian l?n, l?a ?o2.2.2. R?i ro gian l?n, l?a ?oR-4 S? l??ng giao d?ch li?n quan ?n c?c v? vi?c ph?t sinh r?i roT?ng s? l??ng giao d?ch li?n quan ?n r?i ro gian l?n, l?a ?o ? ??c ph?t hi?n trong k? b?o c?o.Qu?/nmR-5 Gi? tr? giao d?ch li?n quan ?n c?c v? vi?c ph?t sinh r?i roT?ng gi? tr? giao d?ch li?n quan ?n r?i ro gian l?n, l?a ?o ? ??c ph?t hi?n trong k? b?o c?o.Qu?/nm2.2.3. R?i ro thanh kho?n2.2.3. R?i ro thanh kho?n2.2.3. R?i ro thanh kho?nR-6 S? d? t?i kho?n b?o ?m thanh to?nS? d? c?a t?ng t?i kho?n ?m b?o thanh to?n t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-7 T?ng s? d? v? i?n t?T?ng s? d? v? i?n t? t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-8 T?ng s? d? v? i?n t? ? ph?t h?nhT?ng s? d? v? i?n t? ? ph?t h?nh t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-9 T?ng s? d? v? i?n t? ? k?ch ho?tT?ng s? d? v? i?n t? ? k?ch ho?t t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-10 T?ng s? d? v? i?n t? ang ho?t ?ngT?ng s? d? v? i?n t? ang ho?t ?ng t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-11 T?ng s? d? v? i?n t? b? ?ngT?ng s? d? v? i?n t? b? ?ng.Qu?/nm2.3. C?c ch? ti?u kh?cCh? ti?u?nh ngh)a?nh k? b?o c?oO-1 S? l??ng v? i?n t? ? ph?t h?nhT?ng s? l??ng v? i?n t? (? ?m b?o tu?n th? c?c quy ?nh v? nh?n bi?t kh?ch h?ng) ? ph?t h?nh t?i th?i i?m cu?i ng?y giao d?ch cu?i c?ng c?a k? b?o c?o. Kh?ng th?ng k? c?c v? i?n t? ? b? ?ng.Qu?/nmO-2 S? l??ng v? i?n t? ? k?ch ho?tT?ng s? l??ng v? i?n t? ? k?ch ho?t (? ?m b?o tu?n th? c?c quy ?nh v? nh?n bi?t kh?ch h?ng v? ang li?n k?t v?i t?i kho?n ?ng Vi?t Nam ho?c th? ghi n? c?a ch?nh kh?ch h?ng) t?i th?i i?m cu?i ng?y giao d?ch cu?i c?ng c?a k? b?o c?o.Qu?/nmO-3 S? l??ng v? i?n t? ang ho?t ?ngT?ng s? l??ng v? i?n t? ang ho?t ?ng (ang trong tr?ng th?i ? k?ch ho?t v? c? ?t nh?t m?t giao d?ch ph?t sinh gi? tr? ti?n t? trong v?ng 12 th?ng t?nh ?n ng?y b?o c?o) t?i th?i i?m cu?i ng?y giao d?ch cu?i c?ng c?a k? b?o c?o.Qu?/nmO-4 S? l??ng v? i?n t? ? b? ?ngT?ng s? l??ng v? i?n t? ? b? ?ng (l? v? i?n t? ? b? ?ng do kh?ch h?ng y?u c?u ho?c ?ng do ch?nh s?ch c?a ?n v? b?o c?o) trong k? b?o c?o.Qu?/nm3. D?ch v? h? tr? thu h?, chi h?3.1. T?nh h?nh cung ?ng d?ch v?Ch? ti?u?nh ngh)a?nh k? b?o c?o3.1.1. Th?ng tin chung3.1.1. Th?ng tin chung3.1.1. Th?ng tin chungG-1 Th?ng tin d?ch v? h? tr? thu h?, chi h?T?n/th??ng hi?u d?ch v? h? tr? thu h?, chi h?.Qu?/nmG-2 K?nh cung ?ng d?ch v? h? tr? thu h?, chi h?T?n ?ng d?ng tr?n thi?t b? di ?ng v? ?a ch? trang th?ng tin i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n (n?u c?) ho?c k?nh kh?c ??c s? d?ng ? cung c?p d?ch v? h? tr? thu h?, chi h?, m? t? c? th? k?nh cung ?ng d?ch v? h? tr? thu h?, chi h? kh?c (n?u c?).Qu?/nm3.1.2. Th?ng tin ?i t?c3.1.2. Th?ng tin ?i t?c3.1.2. Th?ng tin ?i t?cG-3 Ng?n h?ng h?p t?cDanh s?ch ng?n h?ng, chi nh?nh ng?n h?ng n??c ngo?i c? k? h?p ?ng ho?c th?a thu?n v?i t? ch?c cung ?ng d?ch v? trung gian thanh to?n v? vi?c h?p t?c cung ?ng d?ch v? trung gian thanh to?n t?nh ?n cu?i k? b?o c?o.Qu?/nmG-4 ?n v? ch?p nh?n thanh to?nS? l??ng ?n v? ch?p nh?n thanh to?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o.Qu?/nmG-5 ?n v? ch?p nh?n thanh to?n l? c? nh?nS? l??ng ?n v? ch?p nh?n thanh to?n l? c? nh?n ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code.Qu?/nmG-6 ?n v? ch?p nh?n thanh to?n l? t? ch?cS? l??ng ?n v? ch?p nh?n thanh to?n l? t? ch?c ang tham gia th?c hi?n d?ch v? t?nh ?n cu?i k? b?o c?o, trong ? n?u r? s? l??ng ?n v? ch?p nh?n thanh to?n qua QR code, s? l??ng ?n v? ch?p nh?n thanh to?n l? h? kinh doanh.Qu?/nm3.1.3. T?nh h?nh giao d?ch3.1.3. T?nh h?nh giao d?ch3.1.3. T?nh h?nh giao d?chG-7 S? l??ng giao d?ch h? th?ng x? l? th?nh c?ngT?ng s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? s? l??ng giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o, s? l??ng giao d?ch ??c ch?p nh?n thanh to?n qua QR Code.Qu?/nmG-8 Gi? tr? giao d?ch h? th?ng x? l? th?nh c?ngT?ng gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? gi? tr? giao d?ch ??c x? l? qua c?ng thanh to?n i?n t? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n b?o c?o, gi? tr? giao d?ch ??c ch?p nh?n thanh to?n qua QR Code.Qu?/nmG-9 S? l??ng giao d?ch li?n quan ?n thanh to?n h?ng h?a, d?ch v? n??c ngo?i x? l? th?nh c?ngT?ng s? l??ng giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-10 Gi? tr? giao d?ch li?n quan ?n thanh to?n h?ng h?a, d?ch v? n??c ngo?i x? l? th?nh c?ngT?ng gi? tr? giao d?ch thanh to?n h?ng h?a, d?ch v? n??c ngo?i (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-11 S? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? s? l??ng giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-12 Gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?nT?ng gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ph?t sinh t?i ?n v? ch?p nh?n thanh to?n do h? th?ng x? l? th?nh c?ng theo t?ng th?ng trong k? b?o c?o; trong ? n?u r? gi? tr? giao d?ch t?i ?n v? ch?p nh?n thanh to?n l? c? nh?n, t? ch?c (kh?ng bao g?m h? kinh doanh), h? kinh doanh.Qu?/nmG-13 S? l??ng giao d?ch x? l? kh?ng th?nh c?ngT?ng s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-14 Gi? tr? giao d?ch x? l? kh?ng th?nh c?ngT?ng gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) do h? th?ng x? l? kh?ng th?nh c?ng theo t?ng th?ng trong k? b?o c?o.Qu?/nmG-15 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? c? nh?n c? s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-16 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? c? nh?n c? gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? h? v? t?n c? nh?n, s? gi?y t? t?y th?n c?a c? nh?n, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-17 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-18 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh) c? gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n doanh nghi?p, m? s? doanh nghi?p, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-19 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? s? l??ng giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n, n?u r? t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nmG-20 Giao d?ch c?a ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch nhi?u nh?tDanh s?ch 10 ?n v? ch?p nh?n thanh to?n l? h? kinh doanh c? gi? tr? giao d?ch (ph?n lo?i theo giao d?ch h? tr? thu h?, giao d?ch h? tr? chi h?) ? ??c h? th?ng x? l? th?nh c?ng nhi?u nh?t trong k? b?o c?o; th?ng k? theo t?ng ?n v? ch?p nh?n thanh to?n l? h? kinh doanh, n?u r? t?n ch? h? kinh doanh, m? s? ng k? h? kinh doanh, ng?nh, ngh? kinh doanh ch?nh c? ph?t sinh giao d?ch, s? l??ng v? gi? tr? giao d?ch. S? l??ng ?n v? ch?p nh?n thanh to?n c?n b?o c?o c? th? thay ?i theo y?u c?u c?a Ng?n h?ng Nh? n??c.Qu?/nm3.2. T?nh h?nh r?i roCh? ti?u?nh ngh)a?nh k? b?o c?o3.2.1. R?i ro v?n h?nh3.2.1. R?i ro v?n h?nh3.2.1. R?i ro v?n h?nhR-1 Kho?ng th?i gian x?y ra s? c?T?ng th?i gian (t?nh theo gi?) x?y ra s? c? l?m gi?n o?n vi?c cung ?ng d?ch v? h? tr? thu h?, chi h? tr?n 30 ph?t trong k? b?o c?o.Qu?/nmR-2 S? l??ng giao d?ch li?n quan ?n s? c?T?ng s? l??ng giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nmR-3 Gi? tr? giao d?ch li?n quan ?n s? c?T?ng gi? tr? giao d?ch li?n quan ?n s? c? trong k? b?o c?o.Qu?/nm3.2.2. R?i ro gian l?n, l?a ?o3.2.2. R?i ro gian l?n, l?a ?o3.2.2. R?i ro gian l?n, l?a ?oR-4 S? l??ng giao d?ch li?n quan ?n c?c v? vi?c ph?t sinh r?i roT?ng s? l??ng giao d?ch li?n quan ?n r?i ro gian l?n, gi? m?o ? ??c ph?t hi?n trong k? b?o c?o.Qu?/nmR-5 Gi? tr? giao d?ch li?n quan ?n c?c v? vi?c ph?t sinh r?i roT?ng gi? tr? giao d?ch li?n quan ?n r?i ro gian l?n, gi? m?o ? ??c ph?t hi?n trong k? b?o c?o.Qu?/nm3.2.3. R?i ro thanh kho?n3.2.3. R?i ro thanh kho?n3.2.3. R?i ro thanh kho?nR-6 T?i kho?n ?m b?o thanh to?n d?ch v? h? tr? thu h?, chi h?Danh s?ch c?c t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?nh ?n cu?i k? b?o c?o.Qu?/nmR-7 S? d? t?i kho?n ?m b?o thanh to?n d?ch v? h? tr? thu h?, chi h?S? d? c?a t?ng t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? m? t? ch?c cung ?ng d?ch v? trung gian thanh to?n m? t?i ng?n h?ng t?i th?i i?m cu?i k? b?o c?o.Qu?/nmR-8 Bi?n ph?p ?m b?o kh? nng thanh to?n kh?cC?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c ngo?i t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n th?a thu?n v?i ng?n h?ng h?p t?c.Qu?/nmR-9 Gi? tr? c?a bi?n ph?p ?m b?o kh? nng thanh to?n kh?cGi? tr? c?a c?c bi?n ph?p ?m b?o kh? nng thanh to?n kh?c ngo?i t?i kho?n ?m b?o thanh to?n cho d?ch v? h? tr? thu h?, chi h? c?a t? ch?c cung ?ng d?ch v? trung gian thanh to?n th?a thu?n v?i ng?n h?ng h?p t?c.Qu?/nm? HYPERLINK \l "_ftnref1" [1] R?i ro v?n h?nh l? r?i ro ph?t sinh l?m gi?n o?n ho?c d?ng ho?t ?ng c?a h? th?ng thanh to?n do s? c? k? thu?t, do l?i c?a con ng??i ho?c do s? c? b?n ngo?i t?c ?ng. HYPERLINK \l "_ftnref2" [2] R?i ro t?n d?ng l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n v? v?o b?t k? th?i i?m n?o trong t??ng lai. HYPERLINK \l "_ftnref3" [3] R?i ro thanh kho?n l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n, m?c d? c? th? th?c hi?n ngh)a v? ? v?o m?t th?i i?m trong t??ng lai. HYPERLINK \l "_ftnref4" [4] R?i ro v?n h?nh l? r?i ro ph?t sinh l?m gi?n o?n ho?c d?ng ho?t ?ng c?a h? th?ng thanh to?n do s? c? k? thu?t, do l?i c?a con ng??i ho?c do s? c? b?n ngo?i t?c ?ng. HYPERLINK \l "_ftnref5" [5] R?i ro thanh kho?n l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n, m?c d? c? th? th?c hi?n ngh)a v? ? v?o m?t th?i i?m trong t??ng lai. HYPERLINK \l "_ftnref6" [6] R?i ro quy?t to?n l? r?i ro ph?t sinh khi vi?c quy?t to?n ngh)a v? gi?a c?c th?nh vi?n tham gia h? th?ng thanh to?n kh?ng ??c di?n ra ho?c di?n ra kh?ng ?ng th?i i?m ??c quy ?nh t?i quy tr?nh qu?n l?, v?n h?nh c?a h? th?ng thanh to?n. HYPERLINK \l "_ftnref7" [7] Thanh to?n k?m thanh to?n (payment versus payment - PVP) l? c? ch? quy?t to?n trong h? th?ng thanh to?n ngo?i t? ? ?m b?o vi?c chuy?n m?t ?ng ti?n ??c di?n ra khi v? ch? khi m?t ho?c m?t s? ?ng ti?n kh?c ??c chuy?n tr?n c? s? t? gi? ??c c?c b?n tham gia giao d?ch th?ng nh?t. HYPERLINK \l "_ftnref8" [8] R?i ro v?n h?nh l? r?i ro ph?t sinh l?m gi?n o?n ho?c d?ng ho?t ?ng c?a h? th?ng thanh to?n do s? c? k? thu?t, do l?i c?a con ng??i ho?c do s? c? b?n ngo?i t?c ?ng. HYPERLINK \l "_ftnref9" [9] R?i ro t?n d?ng l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n v? v?o b?t k? th?i i?m n?o trong t??ng lai. HYPERLINK \l "_ftnref10" [10] R?i ro thanh kho?n l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n, m?c d? c? th? th?c hi?n ngh)a v? ? v?o m?t th?i i?m trong t??ng lai. HYPERLINK \l "_ftnref11" [11] Ng?n h?ng quy?t to?n l? ng?n h?ng m? t?i kho?n thanh to?n cho c?c th?nh vi?n tham gia h? th?ng thanh to?n ? th?c hi?n quy?t to?n c?c ngh)a v? t?i ch?nh ph?t sinh gi?a c?c th?nh vi?n n?y trong h? th?ng thanh to?n. HYPERLINK \l "_ftnref12" [12] R?i ro quy?t to?n l? r?i ro ph?t sinh khi vi?c quy?t to?n ngh)a v? gi?a c?c th?nh vi?n tham gia h? th?ng thanh to?n kh?ng ??c di?n ra ho?c di?n ra kh?ng ?ng th?i i?m ??c quy ?nh t?i quy tr?nh qu?n l?, v?n h?nh c?a h? th?ng thanh to?n. HYPERLINK \l "_ftnref13" [13] Thanh to?n k?m chuy?n giao (delivery versus payment - DVP) l? c? ch? quy?t to?n trong c?c giao d?ch ch?ng kho?n ? ?m b?o vi?c chuy?n giao ch?ng kho?n ??c di?n ra khi v? ch? khi vi?c chuy?n ti?n mua ch?ng kho?n ??c th?c hi?n. HYPERLINK \l "_ftnref14" [14] R?i ro v?n h?nh l? r?i ro ph?t sinh l?m gi?n o?n ho?c d?ng ho?t ?ng c?a h? th?ng thanh to?n do s? c? k? thu?t, do l?i c?a con ng??i ho?c do s? c? b?n ngo?i t?c ?ng. HYPERLINK \l "_ftnref15" [15] R?i ro thanh kho?n l? r?i ro m? m?t th?nh vi?n tham gia h? th?ng thanh to?n kh?ng th? th?c hi?n ?y ? c?c ngh)a v? t?i ch?nh trong h? th?ng thanh to?n khi ?n h?n, m?c d? c? th? th?c hi?n ngh)a v? ? v?o m?t th?i i?m trong t??ng lai. HYPERLINK \l "_ftnref16" [16] R?i ro quy?t to?n l? r?i ro ph?t sinh khi vi?c quy?t to?n ngh)a v? gi?a c?c th?nh vi?n tham gia h? th?ng thanh to?n kh?ng ??c di?n ra ho?c di?n ra kh?ng ?ng th?i i?m ??c quy ?nh t?i quy tr?nh qu?n l?, v?n h?nh c?a h? th?ng thanh to?n. HYPERLINK \l "_ftnref17" [17] Giao d?ch kh?ng th?nh c?ng: ??c hi?u l? giao d?ch do kh?ch h?ng y?u c?u th?c hi?n nh?ng kh?ng th?c hi?n ??c do l?i k? thu?t. HYPERLINK \l "_ftnref18" [18] ?i t??ng kh?ch h?ng m? v? i?n t? bao g?m kh?ch h?ng c? nh?n (kh?ng bao g?m c? nh?n l? ?n v? ch?p nh?n thanh to?n), t? ch?c (kh?ng bao g?m t? ch?c l? ?n v? ch?p nh?n thanh to?n), ?n v? ch?p nh?n thanh to?n l? c? nh?n, ?n v? ch?p nh?n thanh to?n l? t? ch?c (kh?ng bao g?m h? kinh doanh), ?n v? ch?p nh?n thanh to?n l? h? kinh doanh. HYPERLINK \l "_ftnref19" [19] ?n v? b?o c?o m? t? k?nh kh?c t?i n?i dung b?o c?o (n?u c?).FH? 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SummaryInformation(????????@DocumentSummaryInformation8????????????X????????????????????????  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????    ???????????? ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????