Rủi ro rửa tiền đối với sản phẩm tài chính toàn diện ở Việt Nam trong bối cảnh mới và giải pháp quản lý=Money laundering risks associated with financial inclusion products in Vietnam and management policy

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Thông tin xuất bản: Tạp chí Kinh tế - Luật và Ngân hàng (Tên cũ: Tạp chí Khoa học và Đào tạo Ngân hàng), 2024

Mô tả vật lý: tr.73-84

Bộ sưu tập: Báo, Tạp chí

ID: 485152

Thêm vào giỏ

Financial inclusion plays an outstanding role in improving access and usage of financial products and services for individuals and businesses, contributing to promoting economic growth, sustainable development, and poverty reduction across countries. Besides its positive impacts, the advancement of science and technology harbors inherent risks of money laundering and terrorist financing, presenting new challenges for regulatory bodies and financial institutions. This paper, drawing upon a review of relevant literature and legal documents, delves into the money laundering risks associated with financial inclusion products (such as information security breaches, difficulties in identity verification) and Vietnam’s current practices in Vietnam. Based on this analysis, the paper proposes policy recommendations aimed at legal framework, management capacity and technology application to mitigate money laundering risks posed by financial inclusion products, contributing to financial security in Vietnam.Tài chính toàn diện có vai trò nổi bật trong việc nâng cao khả năng tiếp cận và sử dụng sản phẩm, dịch vụ tài chính cho người dân, doanh nghiệp, góp phần thúc đẩy tăng trưởng kinh tế, phát triển bền vững và xóa đói giảm nghèo ở các quốc gia. Bên cạnh những tác động tích cực, sự phát triển của khoa học công nghệ, tiềm ẩn rủi ro về rửa tiền, tài trợ khủng bố đang là tháchthức mới cho cơ quan quản lý và các tổ chức tài chính. Bằng phương pháp tổng quan tài liệu và các văn bản pháp lý, bài viết làm rõ những rủi ro rửa tiền đối với sản phẩm tài chính toàn diện (mất an ninh thông tin, khó khăn trong việc xác minh danh tính...) và thực trạng quản lý của Việt Nam. Từ đó, đưa ra một số gợi ý chính sách về khung pháp lý, năng lực quản lý và ứng dụng công nghệnhằm quản lý rủi ro rửa tiền đối với sản phẩm tài chính toàn diện, góp phần đảm bảo an ninh tài chính ở Việt Nam.

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