Tài liệu Nâng cao hiệu quả kiểm tra đối với các quỹ tín dụng nhân dân của bảo hiểm tiền gửi việt nam chi nhánh khu vực tây bắc bộ

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Trҧi qua QăP KuQK WKjQKYjSKiWWULӇn vӯa qua, vӟi nhiӅu mӕc thӡi gian quan trӑng Bҧo hiӇm tiӅn gӱi ViӋt Nam ÿmÿLÿѭӧc mӝWKjQKWUuQKGjL cӫa sӵ WKjQKF{QJÿmWKӵc sӵ trӣ WKjQKF{QJFө hӳu hiӋu cӫD&KtQKSKӫ Yj 1JkQKjQJQKjQѭӟc ViӋt Nam, ÿk\OjVӵ kiӋn quan trӑng trong sӭ mӋnh bҧo vӋ quyӅQYjFiFlӧLtFKKӧSSKiSFӫDQJѭӡi gӱi tiӅn, tӯ ÿyJySSKҫQGX\WUuVӵ әn ÿӏnh, bҧRÿҧm sӵ SKiWWULӇQDQWRjQOjQKPҥnhSKiWWULӇn bӅn vӳng cӫa hӋ thӕQJFiFWә chӭFWtQGөng. Sӵ әQÿӏnh cӫa hӋ thӕQJWtQGөQJOjFѫVӣ cho sӵ әQÿӏQKYjSKiWWULӇn kinh tӃ [mKӝi cӫDÿҩWQѭӟc. HiӋn nay, hӋ thӕQJFiFWә chӭFWtQGөng tҥi ViӋW1DPQyLFKXQJYjӣ KV 7k\%ҳc Bӝ QyLULrQJFyVӵ UDÿӡLYjSKiWWULӇn mҥnh mӁ&iF7&7*%+7* SKiWWULӇn nhanh vӅ TX\P{KRҥWÿӝng, chҩWOѭӧQJWtQGөQJYjÿDGҥQJKRiFiF sҧn phҭP WjL FKtQK 7URQJ WKӡL JLDQ YjL QăP WUӣ lҥL ÿk\ KӋ thӕQJ FiF 7&7*%*7*ÿһc biӋWOjKӋ thӕQJ47'1'QJj\FjQJNKҷQJÿӏQKÿѭӧFYDLWUz quan trӑQJÿyQJJySWtFKFӵFYjRTXiWUuQKSKiWWULӇn kinh tӃ Q{QJQJKLӋp, Q{QJWK{QWҥLFiFÿӏDSKѭѫQJ%rQFҥnh nhӳng mһWWtFKFӵc vүQFzQWӗn tҥi mӝt sӕ ÿѫQYӏ FyGҩu hiӋu vi phҥPWURQJDQWRjQKRҥWÿӝQJF{QJWiFTXҧn trӏ ÿLӅX KjQK Eӏ EX{QJ Oӓng dүn tӟL WuQK WUҥng hoҥW ÿӝQJ NpP KLӋu quҧ, xa rӡi mөF ÿtFK EDQÿҫu, vi phҥP FiF TX\ ÿӏnh cӫD SKiS OuұW WURQJOƭQKYӵc kinh doanh tiӅn tӋJLDWăQJNKҧ QăQJUӫLURÿҥRÿӭc ҧQKKѭӣQJNK{QJQKӓ tӟi sӵ an WRjQFӫa hӋ thӕQJWjLFKtQKTXӕFJLDĈӇ nhұn diӋn, kiӇPVRiWYjORҥi trӯ sӵ thiӃX DQ WRjQ Qj\ KRҥWÿӝng kiӇP WUD JLiP ViW ÿyQJ YDL WUzUҩt quan trӑng nhҵPSKiWKLӋn, cҧQKEiRNӏp thӡi nhӳng yӃXNpPVDLSKҥm trong hoҥWÿӝng cӫDFiFWә chӭFWtQGөQJÿһc biӋWOj QTDND. 3 Nhұn thӭF ÿѭӧF WuQK KuQK WUrQ 7KӕQJ ÿӕF 1JkQ KjQJ QKj Qѭӟc ViӋt 1DP ÿm EDQ KjQK &KӍ thӏ sӕ 06/CT-1+11 QJj\  YӅ viӋc chҩn chӍnh, WăQJFѭӡQJSKzQJFKӕQJQJăQQJӯa vi phҥPSKiSOXұt nhҵPÿҧm bҧo DQQLQKDQWRjQKRҥWÿӝng trong hӋ thӕQJ47'1'ÿӇ cө thӇ KRi&KӍ thӏ WUrQ NHNN tiӃp tөFEDQKjQK4X\ӃWÿӏnh sӕ 4Ĉ-1+11QJj\YӅ viӋFSKrGX\ӋWĈӅ iQ Cӫng cӕ YjSKiWWULӇn hӋ thӕng QTDND ÿӃQQăP ÿӏQKKѭӟQJÿӃQQăP ÿӗng thӡi Thӫ WѭӟQJ&KtQKSKӫ FNJQJEDQKjQK ChӍ thӏ 06/CT-77JQJj\YӅ 7ăQJFѭӡng giҧLSKiSQKҵm bҧRÿҧm DQWRjQKRҥWÿӝng, cӫng cӕ vӳng chҳc hӋ thӕng QTDND4XiQWULӋt chӍ ÿҥo cӫa Thӫ WѭӟQJYj NHNN BHTGVN QyLFKXQJYjBHTGVN CN KV Tҩy Bҳc Bӝ QyL ULrQJ SKҧL QkQJ FDR KLӋu quҧ FiF KRҥW ÿӝng nghiӋp vө trӑQJ WkP Oj nghiӋp vө kiӇPWUDJLiPViWÿӕi vӟLFiF7&7*%+7*7ӯ ÿySKiWKLӋn, cҧnh EiRQJăQFKһn kӏp thӡi, hҥn chӃ ÿӃn mӭc thҩp nhҩt nhӳng ҧQKKѭӣnJWLrXFӵc ÿӃn sӵ DQWRjQKRҥWÿӝng cӫDWRjQKӋ thӕng. 9uYұ\W{L chӑQÿӅ WjL ³1kQJFDR hiӋu quҧ kiӇPWUDÿӕi vӟLFiFQTDND cӫa BHTGVN CN KV 7k\%ҳc Bӝ´ ÿӇ QJKLrQFӭu. 2. 0өFWLrXYjQKLӋPYөQJKLrQFӭX 2.1. 0ͭFWLrXQJKLrQFͱX HӋ thӕQJ KyD Pӝt sӕ vҩQ ÿӅ QJKLrQ Fӭu vӅ Oê OXұQ Yj Fѫ Vӣ thӵc tiӉn kinh nghiӋm qua nhӳQJÿiQKJLiWUrQFѫVӣ OêOXұQÿiQKJLi thӵc trҥngFѫ hӝLYjWKiFKWKӭc trong nghiӋp vө kiӇm tra tҥL&KLQKiQKÿӕi vӟLFiFQTDND WUrQÿӏDEjQ&KLQKiQKTXҧQOê7ӯ ÿyÿӅ xuҩt giҧLSKiSQKҵPQkQg cao hiӋu quҧ cӫa nghiӋp vө kiӇm tra cӫD&KLQKiQKÿӕi vӟLFiFQTDND WUrQÿӏDEjQ 2.2. 1KL͏PYͭQJKLrQFͱX HӋ thӕQJKyDFѫVӣ OêOXұn FѫEҧn vӅ TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm WUDÿӕi vӟi hӋ thӕng QTDND. Cө thӇ tұSWUXQJWUuQKEj\ 4 - .KiLTXiWYӅ nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND tҥL%+7*91Yj tҥL&KLQKiQK%+7*91 - ĈiQK JLi FiF \Ӄu tӕ tӟi quҧQ Oê WURQJ TX\ WUuQK WKӵc hiӋn nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND; - 3KkQWtFKQӝi dung kiӇPWUDÿӕi vӟLFiFQTDND WK{QJTXDFiFVӕ liӋu thu thұSYjEӝ chӍ WLrXÿiQKJLiTXҧQOêQKjQѭӟc. ĈiQKJLiWK͹c tr̩ng th͹c hi͏n nghi͏p vͭ ki͋PWUDÿ͙i vͣLFiFQTDND giai ÿR̩n 2017 ± 2019 cͯD&KLQKiQK%+7*91 - ĈLӇm mҥnh; - ĈLӇm yӃu; - 1JX\rQQKkQ Ĉ͉ xṷt gi̫LSKiSQkQJFDRKL͏u qu̫ ki͋PWUDÿ͙i vͣLFiFQTDNDcͯa Chi QKiQK%+7*91 - ĈӅ xuҩWÿѭӧc mӝt sӕ giҧLSKiSYjNLӃn nghӏ nhҵPQkQJFDRKLӋu quҧ kiӇm tra cӫD&KLQKiQKÿӕi vӟLFiFQTDND WUrQÿӏDEjQTXҧQOê 3. ĈӕLWѭӧQJYjSKҥPYLQJKLrQFӭX 3.1. Ĉ͙LW˱ͫQJQJKLrQFͱX ĈӅ WjL QJKLrQ Fӭu vӅ TX\ WUuQK WKӵc hiӋn nghiӋp vө kiӇm tra cӫa Chi QKiQK Bҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵF 7k\ %ҳc Bӝ ÿӕi vӟi hӋ thӕng QTDND WUrQÿӏDEjQÿѭӧFSKkQF{QJTXҧQOê 3.2 3K̩PYLQJKLrQFͱX 3.2.1. 9ӅWKӡLJLDQ Thu thұp dӳ liӋX JLDL ÿRҥn 2017 ± 2019, dӳ liӋX Vѫ FҩS ÿѭӧc thu thұp YjRWKiQJQăPYjÿӅ xuҩt giҧLSKiSÿӏQKKѭӟng tӯ QăPÿӃQQăP 2025. 3.2.2. 9ӅNK{QJJLDQ 1JKLrQFӭXÿѭӧc thӵc hiӋn tҥL&KLQKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ. 5 3.2.3. 9ӅQӝLGXQJ - 1JKLrQFӭu cҧ OêWKX\ӃWYjWKӵc tiӉn, cҧ thӵc trҥng ÿӏQKKѭӟng trong thӡi gian tӟLÿӕi vӟLTX\WUuQKthӵc hiӋn kiӇm tra FiF47'1'WUrQÿӏDEjQNKX vӵF7k\%ҳc Bӝ tҥL&KLQKiQK - /jPU}FѫVӣ OêOXұn, kinh nghiӋm thӵc tiӉQÿiQKJLiWKӵc trҥQJÿӅ xuҩWÿӏQKKѭӟQJYjJLҧLSKiSQkQJFDRKLӋu quҧ kiӇPWUDÿӕi vӟLFiFQTDND bao gӗm: Nӝi dung kiӇPWUDTX\WUuQKNLӇPWUDF{QJFөKғ uQKWKӭc kiӇm tra, bӝ Pi\NLӇm tra. 4. 4XDQÿLӇPSKѭѫQJSKiSWLӃSFұQYjSKѭѫQJSKiSQJKLrQFӭX 4.1. 4XDQÿL͋PQJKLrQFͱX - 7XkQ WKӫ TXDQ ÿLӇm duy vұt biӋn chӭQJ Yj GX\ Yұt lӏch sӱ cӫa chӫ QJKƭa MiF± /rQLQ. - 7XkQWKӫ WѭWѭӣQJSKiWWULӇQYuGkQGRGkQFӫa chӫ tӏch Hӗ &Kt0LQK - 7XkQWKӫ chӫ WUѭѫQJÿѭӡng lӕi cӫDĈҧQJYjQKjQѭӟc ViӋt Nam vӅ ÿӕi WѭӧQJQJKLrQFӭu. 4.2. 3K˱˯QJSKiSWL͇SF̵QQJKLrQFͱX TiӃp cұn tӯ OêWKX\ӃWÿӃn thӵc tiӉn: - TiӃp cұQOêWKX\Ӄt bҳWÿҫu bҵng viӋFSKkQWtFKSKkQORҥLFiFWjLOLӋXÿӇ WuPUDFҩXWU~FOêWKX\ӃWFiF[XKѭӟQJSKiWWULӇn cӫDP{KuQKQTDND trong thӡi gian tӟi. - TiӃp cұn thӵc tiӉn ĈLӅu tra khҧRViWPӝWQKyPFiQEӝ tҥL%+7*91&KLQKiQKYjPӝt sӕ QTDND nhҵm SKiWKLӋQFiFQKkQWӕ ҧQKKѭӣQJÿӃn sӵ SKiWWULӇn cӫa mӛi tә chӭc 3KkQWtFKWәng kӃt kinh nghiӋP7UrQFѫVӣ tәng kӃWÿ~FU~WFiFNLQK nghiӋPTXDTXiWUuQKWKӵc hiӋn nhiӋm vө tӯ ÿyFyFiLQKuQPӝWFiFKNKiFK TXDQ Fy KӋ thӕng vӅ TX\ WUuQK WKӵc hiӋn nghiӋp vө kiӇP WUD ÿӕi vӟL FiF 6 QTDND WUrQÿӏDEjQ&KLQKiQKTXҧQOêWӯ ÿyÿѭDUDNKX\ӃQFiRQKҵPKRjQ thiӋQKѫQTX\WUuQKWKӵc hiӋn nghiӋp vө tҥL&KLQKiQK 4.3. 3K˱˯QJSKiSQJKLrQFͱX ĈӇ ÿҥWÿѭӧc mөFWLrXQJKLrQFӭXÿӅ WjLVӁ sӱ dөQJFiFSKѭѫQJSKiS 4.3.1. 3KѭѫQJSKiSFKX\rQJLDSKӓQJYҩQ TiӃQKjQKWKXWKұp sӕ liӋXVѫFҩSWK{QJTXDSKӓng vҩQVkX*LiPÿӕc Chi QKiQK%DQTXҧn trӏ%DQÿLӅXKjQKQTDND/mQKÿҥRSKzQJ.LӇm tra Chi QKiQKQJѭӡLODRÿӝng tҥi QTDND. Tӯ ÿyU~WUDÿѭӧc nhӳQJÿiQKJLiYӅ thӵc trҥng tURQJTX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQK 4.3.2. 3KѭѫQJSKiSWKӕQJNrSKkQWtFK - 7UrQ Fѫ Vӣ FiF WjL OLӋu thu thұS ÿѭӧc, hӋ thӕng sӕ liӋX YăQ EҧQ [k\ dӵng hӋ thӕQJFѫ Vӣ dӳ liӋu tӯ ÿy[k\ Gӵng quy WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQKÿӕi vӟLFiF47'1' - Thu thұp dӳ liӋu thӭ cҩp vӅ TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫa &KLQKiQKWӯ FiFQJXӗn FѫVӣ sӣ dӳ liӋXQKѭVDX%iRFiRWuQKKuQKKRҥWÿӝng TXD FiF QăP    cӫD QKѭ Wәng hӧSEiR FiR FiF QăP Fӫa Chi QKiQh, EiRFiRWәng kӃt, mӝt sӕ tәng hӧSU~WNLQKQJKLӋm cӫDFiFKӝi thҧo do BHTGVN tә chӭc, bҧn tin Bҧo hiӇm tiӅn gӱi, tham khҧRFiFWjLOLӋXOLrQTXDQ WUrQLQWHUQHWViFKEiRWҥSFKtFәQJWK{QJWLQÿLӋn tӱ, ..... - 7UrQFѫVӣ hӋ thӕng dӳ liӋu thӭ cҩSYjVѫFҩSÿѭӧc thu thұp, tiӃQKjQK SKkQWtFK[ӱ OêQKҵPÿѭDUDFiFNӃt luұQÿiQKJLiFKtQK[iFQKҩt hiӋu quҧ thӵc hiӋn Yj SKkQ WtFK WKӵc trҥng nghiӋp vө kiӇm tra cӫD &KL QKiQK &iF SKѭѫQJ SKiS ÿѭӧc sӱ dөQJ 3KѭѫQJ SKiS WKӕQJ Nr SKѭѫQJ SKiS VR ViQK SKѭѫQJSKiSSKkQWtFKYjWәng hӧS;k\GӵQJYjWұp hӧSFiFVӕ liӋu, bҧng biӇXYjVӱ dөQJFiFF{QJFө ÿӇ thӇ hiӋn sӕ liӋXTXDFiFQăPFyWtQKKӋ thӕng nhҩt. - 7UrQFѫVӣ ÿiQKJLiWiFJLiÿѭDUDFiF giҧLSKiSQKҵPKRjQWKLӋn quy WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQK 7 5. ĈyQJJySPӟLFӫDOXұQYăQ 5.1. 9͉P̿WOêOX̵QYjK͕FWKX̵W HӋ thӕQJKyDFiFOêWKX\ӃWFyOLrQTXDQÿӃn GiҧLSKiSQkQJFDRKLӋu quҧ kiӇm tra cӫD&KLQKiQKÿӕi vӟLFiFQTDND. + Tә chӭc Bҧo hiӇm tiӅn gӱi ViӋt Nam + HӋ thӕng QTDND 5.2. 9͉P̿WWK͹FWL͍Q Vұn dөQJOêOXұQYjRnhiӋm vө thӵc tӃÿӅ WjLQJKLrQFӭu cung cҩSFѫVӣ khoa hӑc cho viӋc hoҥFK ÿӏnh chӫ WUѭѫQJ FKtQK ViFK YӅ quҧQ Oê QKj Qѭӟc WURQJTX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫa Bҧo hiӇm tiӅn gӱi ViӋt Nam &KLQKiQK7K{QJTXDÿyJL~S&KLQKiQKFӫng cӕ ÿӝLQJNJQKkQVӵQkQJFDR hiӋu quҧ quҧQOêYjKRjQWKLӋn TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra tҥo thӃ mҥQK WURQJ F{QJ FXӝF ÿәi mӟL Yj SKiW WULӇn. MһW NKiF ÿӅ WjLFNJQJ JySSKҫn khҷQJÿӏnh lҥLYDLWUzFӫa quҧQOêQKjQѭӟc trong quy tUuQKWKӵc hiӋn nghiӋp vө kiӇP WUD FiF QTDND FNJQJ Fy WKӇ iS Gөng mӝt phҫQ WURQJ F{QJ WiF WKDQK ± kiӇPWUDFiFWә chӭFWtQGөng tҥi ViӋt Nam. 6. .ӃWFҩXFӫD/XұQYăQ 1JRjLSKҫn mӣ ÿҫu, kӃt luұn, danh mөFWjLOLӋu tham khҧRYjSKө lөc, nӝi dung cӫa luұQYăQgӗPFKѭѫQJ &KѭѫQJ&ѫVӣ OêOXұn vӅ nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND cӫa &KLQKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam Khu vӵF7k\%ҳc Bӝ &KѭѫQJ Thӵc trҥng nghiӋp vө kiӇPWUDÿӕi vӟLFiF QTDND tҥi cӫa &KLQKiQK%ҧo hiӇm tiӅm gӱi ViӋt Nam Khu vӵF7k\%ҳc Bӝ JLDLÿRҥn 20172019 &KѭѫQJ  0ӝt sӕ giҧL SKiS QkQJ FDR KLӋu quҧ kiӇP WUD ÿӕi vӟL FiF QTDND cӫD&KLQKiQK%ҧo hiӇm tiӅm gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ. 8 7. 7әQJTXDQWuQKKuQKQJKLrQFӭXOLrQTXDQÿӃQÿӅWjL %+7*OjPӝt yӃu tӕ quan trӑQJÿyQJJySFKRGX\WUuVӵ әQÿӏnh, DQWRjQ Yj SKiW WULӇn bӅn vӳng OjQK Pҥnh cӫa hӋ thӕQJ FiF Wә chӭF WtQ Gөng ViӋt 1DPYj[k\GӵQJÿѭӧc niӅm tin cӫDQJѭӡi gӱi tiӅn. HiӋn nay, BHTGVN hoҥt ÿӗng FzQQKLӅu hҥn chӃFKѭDSKKӧp vӟi WuQKKuQKSKiWWULӇn kinh tӃ - [mKӝi ViӋt Nam. VҩQ ÿӅ ÿһW UDOjFҫQ FyQKLӅX F{QJWUuQKNKRD Kӑc, nhiӅX ÿӅ WjL FKX\rQÿӅ QJKLrQFӭXKѫQQӳa vӅ BHTGVN, nhҩWOjWURQJEӕi cҧnh ViӋt Nam ÿDQJKӝi nhұp FKXQJWUrQPӝt thӃ giӟi phҷng vӟLFiFQѭӟFWUrQWKӃ giӟi, cҫn phҧLFyPӝt hӋ thӕQJWjLFKtQKQJkQKjQJDQWRjQOjQKPҥnh tiӋm cұn theo chuҭn quӕc tӃ7tQKFKRÿӃn thӡLÿLӇm hiӋQQD\WUrQWKӃ giӟLYjÿһc biӋWOjӣ ViӋW1DPFKѭDFyQKLӅu F{QJWUuQKQJKLrQFӭu vӅ BHTG QKѭVӵ cҫn thiӃt vӕn FyFӫDOƭQKYӵFQj\7X\QKLrQQәi bұt mӝt sӕ F{QJWUuQKQJKLrQFӭXVDXÿk\ - IADI (2009) Core principles for effective Deposit Insuarance Systems Ĉk\Oj%ӝ QJX\rQWҳc FѫVӣ ÿӇ [k\Gӵng hӋ thӕng BHTG hiӋu quҧ do Ӫy ban Basel vӅ JLiPViWQJkQKjQJ%&%6YjKLӋp hӝi BHTG Quӕc tӃ (IADI) ban KjQKQJj\gӗm Fy18 QJX\rQWҳc. ;iFÿӏnh mөFWLrXFӫa bӝ quy tҳc Qj\Ojÿҧm bҧRFiFTXӕFJLD[k\GӵQJÿѭӧc nӅn tҧng BHTG hoҥWÿӝng hiӋu lӵc, hiӋu quҧ WUrQFѫVӣ bӝ quy tҳc chung cӫa thӃ giӟL.KLFiFQѭӟFFiFNKXYӵFiS dөng quy tҳFQj\FҫQÿѭӧFWtQKÿӃn yӃu tӕ kinh tӃ [mKӝi, hӋ thӕQJYăQEҧn, yӃu tӕ YQJOmQKWKә YjGkQFѭÿӇ iSGөQJFKRSKKӧp. CҫQÿѭӧFiSGөng mӝWFiFK mӅm dҿo, linh hoҥt ÿӇ ÿҥWÿѭӧc mөFWLrXFӫDFKLQKViFKNLQKWӃFKtQKViFKWLӅn tӋ cӫa quӕFJLDYjÿһc biӋWOjFӫng cӕ ÿѭӧc niӅm tin cӫDNKiFKKjQJQJѭӡi gӱi tiӅn. - Phan Thӏ ;XkQ1JD/XұQiQ7LӃQVƭ.LQKWӃ, GiҧLSKiSSKiW triӇn hoҥWÿӝng cӫa Bҧo hiӇm tiӅn gӱi ViӋt Nam , Hӑc viӋQ 1JkQ KjQJ +j Nӝi. LuұQYăQWұp trung giҧi quyӃt mӝt sӕ vҩQÿӅ hҥn chӃ hiӋn nay, 7iFJLҧ ÿӅ xuҩt giҧLSKiSSKiWWUiӇQPDQJWtQKchiӃQOѭӧFYjFyWҫm ҧQKKѭӣng rӝng cho hoҥWÿӝng BHTG gҳn vӟLÿLӅu kiӋn cө thӇ cӫa ViӋt Nam. 1KyPFiFJLҧi 9 SKiSPjWiFJLҧ ÿӅ cұp tұp trung chӫ yӃu vӅ SKiWWULӇn nguӗn lӵFFRQQJѭӡi, [k\Gӵng bӝ Pi\Wә chӭFQKkQVӵ hoҥWÿӝng. LuұQiQFKѭDÿӅ cұSVkXVҳc, chi tiӃt vӅ TX\WUuQKQJKLӋp vө cө thӇ, mӝt giҧLSKiSUҩt cҫn thiӃt trong giai ÿRҥn hiӋn nay. - 7{1JӑF+ѭQJ HӋ thӕQJJLiPViWWjLFKtQKTXӕc gia , Hӑc viӋQ 1JkQ +jQJ +j 1ӝi. Vӟi nhӳng kӃt quҧ ÿҥW ÿѭӧF FKX\rQ ÿӅ FiF JLҧi SKiS ÿѭӧF FKX\rQ ÿӅ ÿӅ cұS ÿӃQÿѭӧFÿiQKJLiFDRPDQJWtFKFKҩWVkXYj rӝng cho viӋF[k\Gӵng hӋ thӕQJJLiPViWWjLFKtQKTXӕc gia%rQFҥQKÿyWiF giҧ ÿm NKiL TXiW ÿѭӧc mӝW FiFK Wәng thӇ ÿLӅu kiӋQ KuQK WKjQK Jҳn vӟL ѭX QKѭӧFÿLӇm cӫa tӯQJP{KuQKWUrQFѫVӣ pKkQWtFKѭXÿLӇPQKѭӧFÿLӇm, Fѫ hӝLYjWKiFKWKӭc [k\Gӵng P{KuQKJLiPViWSKKӧp nhҩt vӟLÿLӅu kiӋn thӵc tӃ cӫa ViӋt Nam. - +RjQJ7KX+ҵng (2015), 3KiSOXұt vӅ hoҥWÿӝng BHTG ӣ ViӋt Nam , ĈӅ WjLQJKLrQFӭu khoa hӑc cҩSQJjQK.KRD/XұWĈҥi hӑc quӕc JLD+j1ӝi. Ĉk\OjÿӅ WjLWұp chung vӅ mһt quҧQOêQKjQѭӟFWK{QJTXDKӋ thӕQJSKiS luұW7UrQFѫVӣ ÿiQKJLiKӋ thӗQJFiFYăQEҧn quy phҥPSKiSOXұWYjYăQEҧn SKiSTX\ÿDQJÿLӅu chӍQKÿӃQOƭQKYӵF%+7*ÿѭDUDPӝt sӕ SKѭѫQJKѭӟng KRjQWKLӋQSKiSOXұt ÿiS ӭQJYjFyWtQKGjLKҥn vӟi sӵ SKiWWULӇn cӫDÿҩWQѭӟc YjKӝi nhұp quӕc tӃ cӫDÿҩWQѭӟc. 7X\QKLrQÿӅ WjLFKӫ yӃu tұp trung vӅ mһt YăQEҧQSKiSOXұWFKѭDÿLYjRVkXVҳc vӅ TX\WUuQKQJKLӋp vө BHTG. - NguyӉn Thӏ Kim Oanh (2004), Bҧo hiӇm tiӅn gӱi - nguyrQOêWKӵc tiӉn YjÿӏQKKѭӟng , 1Kj[Xҩt bҧQ/DRÿӝQJ[mKӝL+j1ӝi. MһFGÿѭӧc viӃt tӯ QăPQKѭQJÿk\ÿѭӧc coi OjPӝWF{QJWUuQKkhoa hӑc QJKLrQFӭXFyWtQK NKiLTXiWOӟnWiFJLҧ ÿӅ cұSÿӃQFiFYҩQÿӅ FѫEҧn cӫa hoҥWÿӝng BHTG cө thӇ YDLWUzFӫa hoҥWÿӝng BHTG trong nӅn kinh tӃ, cung cҩSWK{QJWLQYӅ triӇn khai hoҥWÿӝQJQj\ӣ ViӋW1DPFNJQJQKѭPӝt sӕ QѭӟFWLrXELӇXYjWUuQKEj\ FiFÿӏQKKѭӟQJSKiWWULӇQWURQJWѭѫQJODL - /r7Xҩn Long (2020) LuұQYăQWKҥc sӻ TruyӅQWK{QJ%ҧo hiӇm tiӅn 10 gӱi tҥi Chi QKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ , Ĉҥi hӑc Kinh tӃ quӕFGkQ+j1ӝi. 7iFJLҧ ÿmÿӅ cұp thӵc trҥng hoҥWÿӝng cӫa BHTG &KLQKiQK.97k\%ҳc Bӝ hiӋn nay, WUrQFѫVӣ SKkQWtFKQKӳng yӃu tӕ hҥn chӃ YjQJX\rQQKkQFӫa hҥn chӃ ÿy[k\Gӵng giҧLSKiSPDQJWtQKWәng thӇ cho hoҥWÿӝng truyӅQWK{QJEҧo hiӇm tiӅn gӱi ViӋW1DP7X\QKLrQ, phҥm vӏ tұp trung chӫ yӃX YjR OƭQK Yӵ truyӅQ WK{QJ Yj FKѭD chӍ U} JLҧL SKiS KRjQ thiӋQ FiF TX\ WUuQK QJKLӋp vө kiӇm tra ± mӝW NKkX TXDQ WUӑng trong hoҥt ÿӝng BHTG. 7yPOҥi, ciFF{QJWUuQKQJKLrQFӭXWUrQÿmhӋ thӕQJKyDÿѭӧFFѫVӣ Oê luұn vӅ BHTG. Tӯ Fѫ Vӣ Oê OXұQ ÿy SKkQ WtFK WKӵc trҥQJ ÿiQK JLi ÿѭӧc nhӳng vҩQÿӅ hҥn chӃ YjSKkQWtFK ÿѭӧFQJX\rQQKkQVkX[DFӫa hҥn chӃ[k\ dӵng hӋ thӕQJ FiF JLҧL SKiS QKҵP ÿҧm bҧo sӵ SKiW WULӇn cӫa hoҥW ÿӝng %+7*WURQJÿLӅu kiӋn kinh tӃ - [mKӝi cӫDÿҩWQѭӟc hiӋn nay gҳn vӟi hӝi nhұp kinh tӃ quӕc tӃ 7X\QKLrQFKѭDFyQKLӅu luұQYăQÿӅ cұSÿӃn F{QJWiFTXҧn OêWURQJKRҥWÿӝng thӵc hiӋn nghiӋp vө kiӇm tra, mӝt trong nhӳng nghiӋp vө chӫ ÿҥo cӫa BHTG nhҵPÿҧm bҧRDQWRjQKӋ thӕQJÿӕi vӟi hӋ thӕng QTDND QyL ULrQJ FNJQJ QKѭ WRjQ KӋ thӕQJ FiF 7&7' QyL FKXQJ theo chӍ thӏ 06 cӫa Thӫ WѭӟQJ&KtQKSKӫ Yj7KӕQJÿӕF1JkQKjQJQKjQѭӟc ViӋt Nam, sӵ vұn ÿӝQJYjSKiWWULӇn cӫD[m hӝi, hӋ thӕQJYăQbҧn quy phҥPSKiSOXұWFNJQJFҫn FyQKӳQJÿLӅu chӍQKFKRSKKӧp vӟLWuQKKuQKWKӵc tӃ9uYұ\FiFÿӅ xuҩWYj giҧL SKiS Wұp trung giҧi quyӃW KRjQ FKӍQK KѫQ KѫQ OLrQ TXDQ ÿӃQ TX\ WUuQK kiӇm tra vӅ BHTG WUrQ Fѫ Vӣ SKiS OXұt hiӋQ KjQK ÿӗng thӡL Fy \Ӄu tӕ dӵ SKzQJ WURQJ WKӡi gian tӟi nhҵm mөF ÿtFK JyS ê sӱD ÿәi bә sung Luұt Bҧo hiӇm tiӅn gӱi Yj/XұW1JkQKjQJ1KjQѭӟc ViӋt Nam trong nhӳQJQăPWLӃp theo.