{"id":2209,"date":"2025-08-19T12:03:27","date_gmt":"2025-08-19T04:03:27","guid":{"rendered":"https:\/\/globalcryptoguru.com\/du-tru-lien-bang-ket-thuc-giam-sat-ngan-hang-chuyen-biet-ve-tien-ma-hoa-tich-hop-vao-quy-trinh-quan-ly-tieu-chuan\/"},"modified":"2025-08-19T12:03:28","modified_gmt":"2025-08-19T04:03:28","slug":"du-tru-lien-bang-ket-thuc-giam-sat-ngan-hang-chuyen-biet-ve-tien-ma-hoa-tich-hop-vao-quy-trinh-quan-ly-tieu-chuan","status":"publish","type":"post","link":"https:\/\/globalcryptoguru.com\/ms\/du-tru-lien-bang-ket-thuc-giam-sat-ngan-hang-chuyen-biet-ve-tien-ma-hoa-tich-hop-vao-quy-trinh-quan-ly-tieu-chuan\/","title":{"rendered":"D\u1ef1 tr\u1eef Li\u00ean bang k\u1ebft th\u00fac gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng chuy\u00ean bi\u1ec7t v\u1ec1 ti\u1ec1n m\u00e3 h\u00f3a, t\u00edch h\u1ee3p v\u00e0o quy tr\u00ecnh qu\u1ea3n l\u00fd ti\u00eau chu\u1ea9n"},"content":{"rendered":"<h2>Chuy\u1ec3n H\u01b0\u1edbng Chi\u1ebfn L\u01b0\u1ee3c c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang: \u0110\u01a1n Gi\u1ea3n H\u00f3a Gi\u00e1m S\u00e1t Ng\u00e2n H\u00e0ng Ti\u1ec1n \u1ea2o<\/h2>\n<p><strong>T\u00f3m t\u1eaft \u0111i\u1ec1u h\u00e0nh<\/strong><\/p>\n<ul>\n<li>C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang (&#8220;Federal Reserve&#8221;) ch\u00ednh th\u1ee9c k\u1ebft th\u00fac Ch\u01b0\u01a1ng Tr\u00ecnh Gi\u00e1m S\u00e1t Ho\u1ea1t \u0110\u1ed9ng M\u1edbi (&#8220;NASP&#8221;), chuy\u1ec3n giao vi\u1ec7c gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 fintech v\u1ec1 quy tr\u00ecnh gi\u00e1m s\u00e1t ti\u00eau chu\u1ea9n.<\/li>\n<li>S\u1ef1 chuy\u1ec3n d\u1ecbch chi\u1ebfn l\u01b0\u1ee3c n\u00e0y ph\u1ea3n \u00e1nh n\u0103ng l\u1ef1c ng\u00e0y c\u00e0ng cao c\u1ee7a t\u1ed5 ch\u1ee9c trong qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 cho th\u1ea5y m\u00f4i tr\u01b0\u1eddng qu\u1ea3n l\u00fd ng\u00e0y c\u00e0ng \u1ee7ng h\u1ed9 c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng m\u1edbi, t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn c\u00e1c b\u00ean nh\u01b0 ng\u00e2n h\u00e0ng, c\u00f4ng ty fintech v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i s\u1ea3n s\u1ed1.<\/li>\n<li><strong>\u0110i\u1ec3m nh\u1ea5n s\u1ed1 li\u1ec7u:<\/strong> S\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u00e0ng tham gia m\u1ea1nh h\u01a1n v\u00e0o l\u0129nh v\u1ef1c ti\u1ec1n \u1ea3o v\u00e0 fintech, khi ki\u1ec3m so\u00e1t r\u1ee7i ro \u0111\u01b0\u1ee3c h\u00f2a nh\u1eadp v\u00e0o th\u1ee7 t\u1ee5c gi\u00e1m s\u00e1t th\u01b0\u1eddng quy, m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i th\u1ecb tr\u01b0\u1eddng v\u00e0 gi\u1ea3m r\u00e0o c\u1ea3n tu\u00e2n th\u1ee7.<\/li>\n<\/ul>\n<p><strong>B\u1ed1i c\u1ea3nh: Ph\u1ea3n \u1ee9ng c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang tr\u01b0\u1edbc \u0111\u1ed5i m\u1edbi t\u00e0i ch\u00ednh<\/strong><\/p>\n<ul>\n<li>V\u00e0o th\u00e1ng 8\/2023, Federal Reserve d\u01b0\u1edbi s\u1ef1 d\u1eabn d\u1eaft c\u1ee7a Ch\u1ee7 t\u1ecbch Jerome Powell \u0111\u00e3 tri\u1ec3n khai NASP nh\u1eb1m \u0111\u1ed1i ph\u00f3 c\u00e1c r\u1ee7i ro ph\u00e1t sinh t\u1eeb quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 ph\u1ee9c t\u1ea1p gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c phi ng\u00e2n h\u00e0ng, bao g\u1ed3m s\u1ef1 tham gia m\u1ea1nh m\u1ebd v\u1edbi t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i.<\/li>\n<li>Ch\u01b0\u01a1ng tr\u00ecnh nh\u1eafm \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng nh\u01b0 tri\u1ec3n khai c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i ph\u00e2n t\u00e1n v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u1eadp trung cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 fintech, v\u1edbi m\u1ee5c ti\u00eau &#8220;\u0111\u1ea3m b\u1ea3o r\u1ee7i ro t\u1eeb \u0111\u1ed5i m\u1edbi \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u00fang \u0111\u1eafn&#8221;.<\/li>\n<li>Ph\u00f3 Ch\u1ee7 t\u1ecbch Qu\u1ea3n l\u00fd Gi\u00e1m s\u00e1t Michelle Bowman \u0111\u00e3 gi\u00e1m s\u00e1t hi\u1ec7u qu\u1ea3 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 ph\u00e1t tri\u1ec3n ki\u1ebfn th\u1ee9c trong su\u1ed1t v\u00f2ng \u0111\u1eddi ch\u01b0\u01a1ng tr\u00ecnh.<\/li>\n<\/ul>\n<p><strong>Chi ti\u1ebft v\u1ec1 vi\u1ec7c ch\u1ea5m d\u1ee9t NASP v\u00e0 \u00fd ngh\u0129a chi\u1ebfn l\u01b0\u1ee3c<\/strong><\/p>\n<ul>\n<li>Ng\u00e0y 15\/8\/2025, Federal Reserve Board th\u00f4ng b\u00e1o k\u1ebft th\u00fac NASP, vi\u1ec7n d\u1eabn hi\u1ec3u bi\u1ebft v\u1eefng ch\u1eafc h\u01a1n v\u1ec1 r\u1ee7i ro ng\u00e2n h\u00e0ng ti\u1ec1n \u1ea3o, fintech v\u00e0 th\u1ef1c h\u00e0nh qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\n<li>Thay \u0111\u1ed5i n\u00e0y h\u1ee7y b\u1ecf th\u01b0 gi\u00e1m s\u00e1t n\u0103m 2023 \u0111\u00e3 t\u1ea1o ra ch\u01b0\u01a1ng tr\u00ecnh, \u0111\u00e1nh d\u1ea5u b\u01b0\u1edbc chuy\u1ec3n t\u1eeb gi\u00e1m s\u00e1t \u0111\u1ed5i m\u1edbi c\u00f3 ch\u1ee7 \u0111\u00edch sang c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t t\u00edch h\u1ee3p, ph\u1ed5 bi\u1ebfn h\u01a1n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/li>\n<li>Ph\u01b0\u01a1ng ph\u00e1p m\u1edbi kh\u00f4ng ch\u1ec9 gi\u1ea3m kh\u1ed1i l\u01b0\u1ee3ng quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u1edbi nh\u01b0 giao d\u1ecbch ti\u1ec1n \u1ea3o, t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi) v\u00e0 h\u1ee3p t\u00e1c ph\u1ee9c t\u1ea1p v\u1edbi fintech, m\u00e0 c\u00f2n th\u1ec3 hi\u1ec7n ni\u1ec1m tin qu\u1ea3n l\u00fd l\u1edbn h\u01a1n v\u00e0o c\u00e1c giao th\u1ee9c ki\u1ec3m so\u00e1t r\u1ee7i ro hi\u1ec7n h\u00e0nh.<\/li>\n<li>Ch\u1ee7 t\u1ecbch Jerome Powell nh\u1ea5n m\u1ea1nh r\u1eb1ng t\u00edch l\u0169y ki\u1ebfn th\u1ee9c \u0111\u00e3 cho ph\u00e9p C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang t\u00edch h\u1ee3p m\u01b0\u1ee3t m\u00e0 v\u1edbi c\u00e1c khung gi\u00e1m s\u00e1t ti\u00eau chu\u1ea9n, t\u0103ng t\u00ednh d\u1ef1 \u0111o\u00e1n v\u1ec1 quy \u0111\u1ecbnh v\u00e0 hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh.<\/li>\n<li>Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman ti\u1ebfp t\u1ee5c \u0111\u1ec1 cao quan \u0111i\u1ec3m th\u1ef1c t\u1ebf trong \u0111\u1ed5i m\u1edbi ng\u00e2n h\u00e0ng, k\u00eau g\u1ecdi &#8220;\u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean li\u00ean t\u1ee5c&#8221; \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o gi\u00e1m s\u00e1t \u0111\u1ed9ng ph\u00f9 h\u1ee3p v\u1edbi c\u00f4ng ngh\u1ec7 \u0111ang ph\u00e1t tri\u1ec3n.<\/li>\n<\/ul>\n<p><strong>Ph\u1ea3n \u1ee9ng ng\u00e0nh v\u00e0 quan \u0111i\u1ec3m l\u00e3nh \u0111\u1ea1o<\/strong><\/p>\n<ul>\n<li>Ian P. Moloney, Ph\u00f3 Ch\u1ee7 t\u1ecbch C\u1ea5p cao v\u00e0 Tr\u01b0\u1edfng ph\u00f2ng Ch\u00ednh s\u00e1ch &#038; Qu\u1ea3n l\u00fd Quy \u0111\u1ecbnh t\u1ea1i American Fintech Council, ghi nh\u1eadn vai tr\u00f2 then ch\u1ed1t c\u1ee7a NASP trong h\u1ed7 tr\u1ee3 \u0111\u1ed5i m\u1edbi ng\u00e2n h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m. \u00d4ng Moloney hoan ngh\u00eanh quy\u1ebft \u0111\u1ecbnh c\u1ee7a Federal Reserve, cho r\u1eb1ng \u0111\u1ed9ng th\u00e1i n\u00e0y ph\u1ea3n \u00e1nh s\u1ef1 tr\u01b0\u1edfng th\u00e0nh v\u1ec1 nh\u1eadn th\u1ee9c \u0111\u1ed3ng th\u1eddi c\u1ed5 v\u0169 vi\u1ec7c ti\u1ebfp t\u1ee5c \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean v\u1ec1 c\u00f4ng ngh\u1ec7 m\u1edbi.<\/li>\n<li>C\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty fintech v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i s\u1ea3n s\u1ed1 d\u1ef1 ki\u1ebfn s\u1ebd h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c gi\u1ea3m b\u1edbt ma s\u00e1t tu\u00e2n th\u1ee7 v\u00e0 t\u0103ng t\u1ef1 do v\u1eadn h\u00e0nh khi ho\u1ea1t \u0111\u1ed9ng m\u1edbi \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1eb1ng quy tr\u00ecnh gi\u00e1m s\u00e1t th\u01b0\u1eddng quy.<\/li>\n<li>C\u00e1c \u0111\u1ea1i di\u1ec7n ng\u00e0nh k\u00eau g\u1ecdi Federal Reserve v\u00e0 Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman duy tr\u00ec \u0111\u1ed9ng l\u1ef1c c\u1eadp nh\u1eadt quy tr\u00ecnh \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean v\u00e0 th\u00fac \u0111\u1ea9y h\u1ee3p t\u00e1c v\u1edbi c\u00e1c b\u00ean li\u00ean quan.<\/li>\n<\/ul>\n<p><strong>S\u1ef1 \u0111\u1ed3ng b\u1ed9 v\u1edbi c\u00e1c \u0111\u1ed9ng th\u00e1i li\u00ean bang g\u1ea7n \u0111\u00e2y<\/strong><\/p>\n<ul>\n<li>C\u1eadp nh\u1eadt ch\u00ednh s\u00e1ch c\u1ee7a Federal Reserve ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c b\u01b0\u1edbc \u0111i th\u00e2n thi\u1ec7n v\u1edbi ti\u1ec1n \u1ea3o t\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh li\u00ean bang v\u00e0 nh\u00e1nh \u0111i\u1ec1u h\u00e0nh.<\/li>\n<li>Th\u00e1ng 5\/2025, Office of the Comptroller of the Currency ban h\u00e0nh Th\u01b0 Di\u1ec5n gi\u1ea3i 1184, x\u00e1c nh\u1eadn c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 mua b\u00e1n t\u00e0i s\u1ea3n s\u1ed1 l\u01b0u k\u00fd theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a kh\u00e1ch h\u00e0ng, m\u1edf \u0111\u01b0\u1eddng cho s\u1ef1 tham gia r\u1ed9ng r\u00e3i v\u00e0o th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u1ea3o.<\/li>\n<li>Tuy\u00ean b\u1ed1 t\u1eeb c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng li\u00ean bang v\u00e0o th\u00e1ng 3 v\u00e0 4 \u0111\u01a1n gi\u1ea3n h\u00f3a y\u00eau c\u1ea7u, cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n c\u1ea7n ch\u1ea5p thu\u1eadn gi\u00e1m s\u00e1t tr\u01b0\u1edbc khi tham gia ho\u1ea1t \u0111\u1ed9ng ti\u1ec1n \u1ea3o \u0111\u01b0\u1ee3c cho ph\u00e9p.<\/li>\n<li>Qu\u1ed1c h\u1ed9i c\u1ee7ng c\u1ed1 xu h\u01b0\u1edbng n\u00e0y b\u1eb1ng lu\u1eadt v\u1ec1 stablecoin, t\u1ea1o khung ph\u00e1p l\u00fd r\u00f5 r\u00e0ng v\u00e0 h\u1ed7 tr\u1ee3 vi\u1ec7c m\u1edf r\u1ed9ng s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng thanh to\u00e1n m\u00e3 h\u00f3a trong ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/li>\n<li>S\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p g\u1ea7n \u0111\u00e2y v\u1ec1 &#8220;debanking&#8221; th\u00fac \u0111\u1ea9y ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan \u0111\u1ebfn ti\u1ec1n \u1ea3o, c\u1ee7ng c\u1ed1 th\u00eam t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a ng\u00e0nh trong to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<p><strong>\u00dd ngh\u0129a chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p<\/strong><\/p>\n<ul>\n<li>Vi\u1ec7c h\u00f2a nh\u1eadp gi\u00e1m s\u00e1t ti\u1ec1n \u1ea3o v\u00e0 fintech v\u00e0o quy tr\u00ecnh ti\u00eau chu\u1ea9n c\u1ee7a Federal Reserve l\u00e0 b\u01b0\u1edbc ngo\u1eb7t cho c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia doanh nghi\u1ec7p khi \u0111\u00e1nh gi\u00e1 c\u01a1 h\u1ed9i t\u00e0i ch\u00ednh s\u1ed1.<\/li>\n<li>C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh m\u00f4 h\u00ecnh tu\u00e2n th\u1ee7 ph\u00f9 h\u1ee3p v\u1edbi khung ki\u1ec3m tra ch\u00ednh, t\u1eadn d\u1ee5ng r\u00e0o c\u1ea3n quy \u0111\u1ecbnh gi\u1ea3m v\u00e0 r\u00fat ng\u1eafn chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, blockchain, c\u00f9ng d\u1ecbch v\u1ee5 fintech.<\/li>\n<li>Ban l\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a Ch\u1ee7 t\u1ecbch Jerome Powell v\u00e0 Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman c\u00f3 th\u1ec3 \u01b0u ti\u00ean tri\u1ec3n khai s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh \u0111\u1ed5i m\u1edbi nhanh, d\u1ef1a v\u00e0o h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb r\u1ee7i ro th\u1ed1ng nh\u1ea5t v\u00e0 c\u1ee7ng c\u1ed1.<\/li>\n<li>Nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 fintech v\u00e0 ti\u1ec1n \u1ea3o, ph\u1ed1i h\u1ee3p c\u00f9ng l\u00e3nh \u0111\u1ea1o nh\u01b0 Ian P. Moloney, n\u00ean ch\u1ee7 \u0111\u1ed9ng h\u1ee3p t\u00e1c v\u1edbi \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u1eb1m \u0111\u1ea3m b\u1ea3o \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean lu\u00f4n c\u1eadp nh\u1eadt, th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi b\u1ec1n v\u1eefng, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh.<\/li>\n<li>S\u1ef1 chuy\u1ec3n d\u1ecbch gi\u00e1m s\u00e1t b\u1edfi Federal Reserve lo\u1ea1i b\u1ecf nhi\u1ec1u r\u00e0o c\u1ea3n gia nh\u1eadp cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng m\u1edbi, t\u0103ng \u00e1p l\u1ef1c c\u1ea1nh tranh cho c\u1ea3 c\u00e1c b\u00ean l\u00e2u \u0111\u1eddi v\u00e0 ng\u01b0\u1eddi m\u1edbi v\u00e0o ng\u00e0nh.<\/li>\n<\/ul>\n<p><strong>Nh\u00e2n v\u1eadt ch\u1ee7 ch\u1ed1t v\u00e0 ph\u00e2n t\u00edch t\u00e1c \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n<ul>\n<li>Thay \u0111\u1ed5i ch\u00ednh s\u00e1ch n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u01a1n 500 t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng Hoa K\u1ef3 \u0111ang tham gia ho\u1ea1t \u0111\u1ed9ng t\u00e0i s\u1ea3n s\u1ed1, v\u1edbi t\u1ed5ng chi ph\u00ed tu\u00e2n th\u1ee7 m\u1ed7i n\u0103m v\u01b0\u1ee3t 1 t\u1ef7 USD.<\/li>\n<li>V\u1edbi ph\u1ea1m vi gi\u00e1m s\u00e1t m\u1edbi, d\u1ef1 b\u00e1o c\u1ee7a t\u1ed5 ch\u1ee9c cho th\u1ea5y chi ph\u00ed li\u00ean quan quy \u0111\u1ecbnh d\u1ef1 ki\u1ebfn gi\u1ea3m 10-15% trong n\u0103m t\u00e0i ch\u00ednh t\u1edbi, gi\u1ea3i ph\u00f3ng v\u1ed1n cho \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 nh\u00e2n s\u1ef1 chi\u1ebfn l\u01b0\u1ee3c.<\/li>\n<li>\u0110\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng v\u00e0 nh\u00f3m fintech \u2013 ph\u1ed1i h\u1ee3p v\u1edbi Federal Reserve, Ch\u1ee7 t\u1ecbch Jerome Powell v\u00e0 Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman \u2013 \u0111\u01b0\u1ee3c khuy\u00ean n\u00ean li\u00ean t\u1ee5c theo d\u00f5i \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean v\u00e0 c\u1eadp nh\u1eadt quy \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 t\u1ed1i \u0111a v\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh.<\/li>\n<li>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e0nh d\u1ef1 \u0111o\u00e1n gia t\u0103ng c\u00e1c giao d\u1ecbch M&#038;A gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed1i t\u00e1c fintech trong 12-24 th\u00e1ng t\u1edbi, khi qu\u1ea3n tr\u1ecb r\u1ee7i ro \u0111\u01a1n gi\u1ea3n h\u00f3a v\u00e0 c\u00e1c doanh nghi\u1ec7p \u0111\u1ea9y m\u1ea1nh m\u1edf r\u1ed9ng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh g\u1eafn ti\u1ec1n \u1ea3o.<\/li>\n<\/ul>\n<p><strong>\u01afu ti\u00ean chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean d\u1eef li\u1ec7u<\/strong><\/p>\n<ul>\n<li><strong>K\u1ebft lu\u1eadn ch\u00ednh:<\/strong> V\u1edbi vi\u1ec7c NASP k\u1ebft th\u00fac, c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia doanh nghi\u1ec7p n\u00ean t\u1eadp trung m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng ti\u1ec1n \u1ea3o v\u00e0 fintech, t\u1eadn d\u1ee5ng s\u1ef1 t\u1ef1 tin c\u1ee7a Federal Reserve v\u00e0o quy tr\u00ecnh gi\u00e1m s\u00e1t ti\u00eau chu\u1ea9n \u0111\u1ec3 khai th\u00e1c c\u01a1 h\u1ed9i th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u1ed5i m\u1edbi s\u1ea3n ph\u1ea9m nhanh ch\u00f3ng.<\/li>\n<li>\u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c v\u00e0o \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean v\u00e0 ch\u1ee7 \u0111\u1ed9ng h\u1ee3p t\u00e1c v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd \u2013 l\u00e3nh \u0111\u1ea1o b\u1edfi c\u00e1c t\u00ean tu\u1ed5i nh\u01b0 Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman v\u00e0 Ian P. Moloney \u2013 s\u1ebd l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t gi\u00fap qu\u1ea3n l\u00fd r\u1ee7i ro linh ho\u1ea1t v\u00e0 duy tr\u00ec tu\u00e2n th\u1ee7 khi l\u0129nh v\u1ef1c chuy\u1ec3n \u0111\u1ed5i m\u1ea1nh m\u1ebd.<\/li>\n<li>Federal Reserve d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a Ch\u1ee7 t\u1ecbch Jerome Powell s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ecbnh k\u1ef3 r\u00e0 so\u00e1t, c\u1eadp nh\u1eadt ph\u01b0\u01a1ng ph\u00e1p gi\u00e1m s\u00e1t \u0111\u1ec3 theo k\u1ecbp ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7, mang \u0111\u1ebfn c\u01a1 h\u1ed9i h\u1ee3p t\u00e1c ng\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh kinh doanh th\u00edch \u1ee9ng li\u00ean t\u1ee5c.<\/li>\n<\/ul>\n<p><strong>Khuy\u1ebfn ngh\u1ecb h\u00e0nh \u0111\u1ed9ng cho l\u00e3nh \u0111\u1ea1o c\u1ea5p cao v\u00e0 c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf c\u1ea1nh tranh<\/strong><\/p>\n<ul>\n<li>Tri\u1ec3n khai b\u1ed9 ph\u1eadn quan h\u1ec7 quy \u0111\u1ecbnh \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i t\u00e0i li\u1ec7u gi\u00e1m s\u00e1t, c\u1eadp nh\u1eadt c\u00e1c quy tr\u00ecnh tu\u00e2n th\u1ee7 theo khung ti\u00eau chu\u1ea9n c\u1ee7a Federal Reserve hi\u1ec7n bao qu\u00e1t ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng ti\u1ec1n \u1ea3o v\u00e0 fintech.<\/li>\n<li>D\u00e0nh ngu\u1ed3n l\u1ef1c cho \u0111\u00e0o t\u1ea1o ki\u1ec3m to\u00e1n vi\u00ean v\u00e0 n\u00e2ng cao hi\u1ec3u bi\u1ebft v\u1ec1 quy \u0111\u1ecbnh \u2013 ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman v\u00e0 Ian P. Moloney \u0111\u1ec1 xu\u1ea5t \u2013 nh\u1eb1m \u0111\u1ea3m b\u1ea3o \u0111\u1ed9i ng\u0169 s\u1eb5n s\u00e0ng qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 y\u00eau c\u1ea7u quy \u0111\u1ecbnh m\u1edbi.<\/li>\n<li>\u01afu ti\u00ean h\u1ee3p t\u00e1c v\u00e0 chi\u1ebfn l\u01b0\u1ee3c mua b\u00e1n v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c fintech v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ti\u1ec1n \u1ea3o, t\u1eadn d\u1ee5ng s\u1ef1 n\u1edbi l\u1ecfng gi\u00e1m s\u00e1t \u0111\u1ec3 t\u0103ng t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u00e0 th\u00edch \u1ee9ng v\u1edbi th\u1ecb tr\u01b0\u1eddng.<\/li>\n<li>Theo d\u00f5i ch\u1ec9 d\u1eabn \u0111\u1ecbnh k\u1ef3 t\u1eeb Federal Reserve Board d\u01b0\u1edbi s\u1ef1 l\u00e3nh \u0111\u1ea1o c\u1ee7a Ch\u1ee7 t\u1ecbch Jerome Powell \u0111\u1ec3 s\u1edbm n\u1eafm b\u1eaft thay \u0111\u1ed5i gi\u00e1m s\u00e1t v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u01a1 h\u1ed9i m\u1edbi trong t\u00e0i ch\u00ednh s\u1ed1.<\/li>\n<li>X\u00e2y d\u1ef1ng c\u1ea5u tr\u00fac qu\u1ea3n tr\u1ecb n\u1ed9i b\u1ed9 linh ho\u1ea1t, cho ph\u00e9p th\u00edch \u1ee9ng nhanh v\u1edbi c\u00e1c chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch gi\u00e1m s\u00e1t t\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, duy tr\u00ec tu\u00e2n th\u1ee7 v\u00e0 ch\u1ee7 \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng.<\/li>\n<\/ul>\n<p><strong>K\u1ebft lu\u1eadn: T\u00e1i c\u1ea5u tr\u00fac chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a Federal Reserve v\u00e0 c\u01a1 h\u1ed9i cho ng\u00e0nh<\/strong><\/p>\n<ul>\n<li>Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Federal Reserve ch\u1ea5m d\u1ee9t NASP v\u00e0 t\u00e1i h\u00f2a nh\u1eadp gi\u00e1m s\u00e1t ti\u1ec1n \u1ea3o, fintech v\u1ec1 quy tr\u00ecnh ti\u00eau chu\u1ea9n d\u01b0\u1edbi s\u1ef1 d\u1eabn d\u1eaft c\u1ee7a Ch\u1ee7 t\u1ecbch Jerome Powell v\u00e0 Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman \u0111\u00e1nh d\u1ea5u b\u01b0\u1edbc ngo\u1eb7t cho h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh s\u1ed1.<\/li>\n<li>\u0110\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o c\u1ea5p cao v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia doanh nghi\u1ec7p c\u1ea7n ch\u1ee7 \u0111\u1ed9ng \u0111i\u1ec1u ch\u1ec9nh cho m\u00f4i tr\u01b0\u1eddng m\u1edbi b\u1eb1ng c\u00e1ch t\u1ed1i \u01b0u h\u00f3a khung tu\u00e2n th\u1ee7, m\u1edf r\u1ed9ng s\u00e1ng ki\u1ebfn t\u00e0i ch\u00ednh s\u1ed1 v\u00e0 s\u1eb5n s\u00e0ng t\u0103ng tr\u01b0\u1edfng nhanh trong b\u1ed1i c\u1ea3nh quy \u0111\u1ecbnh thay \u0111\u1ed5i.<\/li>\n<li>H\u1ee3p t\u00e1c li\u00ean t\u1ee5c gi\u1eefa c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o ng\u00e0nh \u2013 bao g\u1ed3m Federal Reserve, Ph\u00f3 Ch\u1ee7 t\u1ecbch Michelle Bowman v\u00e0 chuy\u00ean gia ch\u00ednh s\u00e1ch nh\u01b0 Ian P. Moloney \u2013 s\u1ebd l\u00e0 ch\u00eca kh\u00f3a khai th\u00e1c t\u1ed1i \u0111a c\u01a1 h\u1ed9i v\u00e0 \u0111i\u1ec1u h\u01b0\u1edbng r\u1ee7i ro trong giai \u0111o\u1ea1n \u0111\u1ed5i m\u1edbi ng\u00e2n h\u00e0ng ti\u1ebfp theo.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Chuy\u1ec3n H\u01b0\u1edbng Chi\u1ebfn L\u01b0\u1ee3c c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang: \u0110\u01a1n Gi\u1ea3n H\u00f3a Gi\u00e1m S\u00e1t Ng\u00e2n H\u00e0ng Ti\u1ec1n \u1ea2o T\u00f3m t\u1eaft \u0111i\u1ec1u h\u00e0nh C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang (&#8220;Federal Reserve&#8221;) ch\u00ednh th\u1ee9c k\u1ebft th\u00fac Ch\u01b0\u01a1ng Tr\u00ecnh Gi\u00e1m S\u00e1t Ho\u1ea1t \u0110\u1ed9ng M\u1edbi (&#8220;NASP&#8221;), chuy\u1ec3n giao vi\u1ec7c gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2202,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-2209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-vi"],"translation":{"provider":"WPGlobus","version":"3.0.0","language":"ms","enabled_languages":["en","de","ja","vi","ms"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"de":{"title":false,"content":false,"excerpt":false},"ja":{"title":false,"content":false,"excerpt":false},"vi":{"title":false,"content":false,"excerpt":false},"ms":{"title":false,"content":false,"excerpt":false}}},"rttpg_featured_image_url":{"full":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700.jpg",1200,720,false],"landscape":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700.jpg",1200,720,false],"portraits":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700.jpg",1200,720,false],"thumbnail":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700-150x150.jpg",150,150,true],"medium":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700-300x180.jpg",300,180,true],"large":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700-1024x614.jpg",1024,614,true],"1536x1536":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700.jpg",1200,720,false],"2048x2048":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700.jpg",1200,720,false],"blog-thumb":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700-530x250.jpg",530,250,true],"blog-full":["https:\/\/globalcryptoguru.com\/wp-content\/uploads\/2025\/08\/2025-08-19T110001.4680700-1100x450.jpg",1100,450,true]},"rttpg_author":{"display_name":"tranhuynhmy@proton.me","author_link":"https:\/\/globalcryptoguru.com\/ms\/author\/tranhuynhmyproton-me\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/globalcryptoguru.com\/ms\/category\/news-vi\/\" rel=\"category tag\">News-Vi<\/a>","rttpg_excerpt":"Chuy\u1ec3n H\u01b0\u1edbng Chi\u1ebfn L\u01b0\u1ee3c c\u1ee7a C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang: \u0110\u01a1n Gi\u1ea3n H\u00f3a Gi\u00e1m S\u00e1t Ng\u00e2n H\u00e0ng Ti\u1ec1n \u1ea2o T\u00f3m t\u1eaft \u0111i\u1ec1u h\u00e0nh C\u1ee5c D\u1ef1 Tr\u1eef Li\u00ean Bang (&#8220;Federal Reserve&#8221;) ch\u00ednh th\u1ee9c k\u1ebft th\u00fac Ch\u01b0\u01a1ng Tr\u00ecnh Gi\u00e1m S\u00e1t Ho\u1ea1t \u0110\u1ed9ng M\u1edbi (&#8220;NASP&#8221;), chuy\u1ec3n giao vi\u1ec7c gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn&hellip;","_links":{"self":[{"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/posts\/2209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/comments?post=2209"}],"version-history":[{"count":1,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/posts\/2209\/revisions"}],"predecessor-version":[{"id":2210,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/posts\/2209\/revisions\/2210"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/media\/2202"}],"wp:attachment":[{"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/media?parent=2209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/categories?post=2209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalcryptoguru.com\/ms\/wp-json\/wp\/v2\/tags?post=2209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}