Công nghệ tài chính: Kinh nghiệm triển khai tại một số quốc gia và hàm ý chính sách

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Tác giả: Việt Hiếu Cao, Minh Hải Nguyễn

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học và Công nghệ - Trường Đại học Bình Dương, 2023

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Bộ sưu tập: Báo, Tạp chí

ID: 338446

Thêm vào giỏ Liên kết toàn văn

Các dịch vụ tài chính kỹ thuật số đã phát triển mạnh mẽ từ chuyển tiền nganghàng đơn giản đến các công nghệ tài chính tiên tiến sử dụng các công nghệ mới nhất trongngân hàng kỹ thuật số, sổ cái phân tán và tiền kỹ thuật số của ngân hàng trung ương. Chínhphủ, doanh nghiệp và cá nhân đều có thể hưởng lợi từ các dịch vụ tài chính kỹ thuật số mới.Việc mở rộng tăng trưởng kinh tế toàn diện và giải quyết các Mục tiêu Phát triển Bền vữngcó thể được thực hiện thông qua sự phát triển các dịch vụ tài chính kỹ thuật số toàn diệntrong một môi trường có khung pháp lý và chính sách phù hợp. Số lượng các công ty côngnghệ tài chính (Fintech) trên toàn cầu đã tăng lên, thu hút hàng tỷ đô la đầu tư mới trongnhững năm gần đây. Tuy nhiên, quy mô các công ty Fintech vẫn còn tương đối nhỏ so vớicác nhà cung cấp dịch vụ tài chính truyền thống ở các nước phát triển. Ngược lại, tại mộtsố nước đang phát triển, các dịch vụ và sản phẩm của Fintech đang trở nên quan trọng vềmặt kinh tế. Bài viết tổng hợp kinh nghiệm triển khai Fintech tại một số quốc gia có thứhạng cao về Fintech như Hoa Kỳ, Vương quốc Anh, Singapore, Úc, Trung Quốc vàIndonesia
từ đó đưa ra các hàm ý chính sách cho các cơ quan quản lý tại Việt Nam.Digital financial services have flourished from simple peer-to-peer moneytransfers to advanced financial technologies that make use of the latest technologies indigital banking, distributed ledgers, and central bank digital currencies. Governments,corporations, and individuals may all benefit from new digital financial services.Expanding inclusive economic growth and addressing the Sustainable Development Goalscan be accomplished through the development of inclusive digital financial services in anenvironment with the right regulatory framework and policies. The number of financialtechnology (Fintech) companies globally has grown, attracting billions of dollars newinvestments in recent years. However, Fintech companies remain relatively smallcompared with traditional financial service providers in developed countries. In contrast,Fintech services and products are becoming economically important in some developingcountries. The article summarizes the experience of implementing Fintech in some highranked Fintech countries such as the United States, United Kingdom, Singapore, Australia,China and Indonesia
thereby providing policy implications for regulators in Vietnam.

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