{"id":3930,"date":"2024-07-09T09:06:45","date_gmt":"2024-07-09T09:06:45","guid":{"rendered":"https:\/\/chuyendoiso.haiphong.gov.vn\/?p=3930"},"modified":"2025-04-17T09:08:02","modified_gmt":"2025-04-17T09:08:02","slug":"chan-lua-dao-voi-tai-khoan-ngan-hang-chinh-chu","status":"publish","type":"post","link":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/2024\/07\/09\/chan-lua-dao-voi-tai-khoan-ngan-hang-chinh-chu\/","title":{"rendered":"Ch\u1eb7n l\u1eeba \u0111\u1ea3o v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ch\u00ednh ch\u1ee7"},"content":{"rendered":"

T\u1eeb ng\u00e0y 1.1.2025, t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng ch\u00ednh ch\u1ee7 s\u1ebd kh\u00f4ng th\u1ec3 giao d\u1ecbch tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p m\u1ea1nh tay \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i kho\u1ea3n “r\u00e1c”, v\u1ed1n \u0111ang b\u1ecb l\u1ee3i d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng l\u1eeba \u0111\u1ea3o.<\/b><\/p>\n

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T\u00e0i kho\u1ea3n “r\u00e1c” ti\u1ebfp tay l\u1eeba \u0111\u1ea3o tr\u1ef1c tuy\u1ebfn<\/h2>\n

C\u1ee5 th\u1ec3, theo Th\u00f4ng t\u01b0 18 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u1eeb ng\u00e0y 1.1.2025, n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng cung c\u1ea5p d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc, ho\u1eb7c d\u1eef li\u1ec7u qua \u0111\u1ed1i chi\u1ebfu kh\u00f4ng kh\u1edbp th\u00ec t\u00e0i kho\u1ea3n hi\u1ec7n c\u00f3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00f3 s\u1ebd b\u1ecb d\u1eebng to\u00e0n b\u1ed9 giao d\u1ecbch tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed. Theo NHNN, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c cung \u1ee9ng d\u1ecbch v\u1ee5 tr\u00ean m\u00f4i tr\u01b0\u1eddng internet l\u00e0 th\u00f4ng tin ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc kh\u1edbp v\u1edbi C\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 do B\u1ed9 C\u00f4ng an \u0111ang l\u00e0 \u0111\u1ea7u m\u1ed1i qu\u1ea3n l\u00fd, v\u1eadn h\u00e0nh. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 NHNN th\u1ef1c hi\u1ec7n K\u1ebf ho\u1ea1ch 2025 qu\u1ea3n l\u00fd th\u1ed1ng nh\u1ea5t tr\u00ean to\u00e0n qu\u1ed1c h\u1ec7 th\u1ed1ng t\u00e0i kho\u1ea3n, th\u1ebb, v\u00ed, \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn thanh to\u00e1n\u2026 Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0m s\u1ea1ch d\u1eef li\u1ec7u, ng\u0103n ch\u1eb7n giao d\u1ecbch c\u00f3 d\u1ea5u hi\u1ec7u gi\u1ea3 m\u1ea1o, l\u1eeba \u0111\u1ea3o. Quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 \u0111\u1ed9ng th\u00e1i quy\u1ebft li\u1ec7t nh\u1eb1m x\u1eed l\u00fd t\u00e0i kho\u1ea3n “r\u00e1c”, t\u00e0i kho\u1ea3n “ma”, x\u00e1c \u0111\u1ecbnh t\u00e0i kho\u1ea3n ch\u00ednh ch\u1ee7.<\/p>\n

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\"Ch\u1eb7n<\/a><\/div>
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\u1ea2nh minh h\u1ecda<\/p>\n<\/figcaption><\/figure>\n

B\u01b0\u1edbc \u0111i c\u1ee7a NHNN l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft b\u1edfi th\u1ef1c t\u1ebf th\u1eddi gian qua x\u1ea3y ra nhi\u1ec1u v\u1ee5 l\u1eeba \u0111\u1ea3o chuy\u1ec3n ti\u1ec1n qua t\u00e0i kho\u1ea3n NH nh\u01b0ng kh\u00f4ng \u0111\u00f2i l\u1ea1i \u0111\u01b0\u1ee3c b\u1edfi \u0111\u00f3 l\u00e0 t\u00e0i kho\u1ea3n “r\u00e1c”, \u1ea3o. B\u1ed9 C\u00f4ng an \u0111\u00e3 c\u1ea3nh b\u00e1o tr\u00ean \u0111\u1ecba b\u00e0n m\u1ed9t s\u1ed1 t\u1ec9nh, th\u00e0nh ph\u1ed1 xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng t\u1ed9i ph\u1ea1m d\u1ee5 d\u1ed7 h\u1ecdc sinh, sinh vi\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p CCCD m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n r\u1ed3i chuy\u1ec3n l\u1ea1i cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y s\u1eed d\u1ee5ng \u0111\u1ec3 l\u1ea5y ti\u1ec1n c\u00f4ng. \u0110\u1ed1i t\u01b0\u1ee3ng cung c\u1ea5p cho h\u1ecdc sinh, sinh vi\u00ean \u0111i\u1ec7n tho\u1ea1i g\u1eafn s\u1eb5n sim \u0111\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n v\u00e0 d\u1ecbch v\u1ee5 Internet Banking, SMS Banking; sau \u0111\u00f3 y\u00eau c\u1ea7u tr\u1ea3 l\u1ea1i \u0111i\u1ec7n tho\u1ea1i, \u0111\u1ed3ng th\u1eddi cung c\u1ea5p th\u00f4ng tin, m\u1eadt kh\u1ea9u \u0111\u0103ng nh\u1eadp, m\u1eadt kh\u1ea9u x\u00e1c th\u1ef1c (OTP)\u2026 C\u00e1c nh\u00f3m t\u1ed9i ph\u1ea1m c\u0169ng thu th\u1eadp d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc (khu\u00f4n m\u1eb7t) c\u1ee7a ng\u01b0\u1eddi m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng khi c\u00f3 y\u00eau c\u1ea7u. C\u00e1c t\u00e0i kho\u1ea3n n\u00e0y sau \u0111\u00f3 th\u01b0\u1eddng b\u1ecb l\u1ee3i d\u1ee5ng v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch vi ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 r\u1eeda ti\u1ec1n, tr\u1ed1n thu\u1ebf, l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1\u2026<\/p>\n

K\u1ebft qu\u1ea3 \u0110\u00e1nh gi\u00e1 an ninh m\u1ea1ng d\u00e0nh cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng c\u00e1 nh\u00e2n do T\u1eadp \u0111o\u00e0n c\u00f4ng ngh\u1ec7 Bkav c\u00f4ng b\u1ed1 \u0111\u1ea7u n\u0103m nh\u1eadn \u0111\u1ecbnh: “L\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u h\u1ea1 nhi\u1ec7t b\u1edfi ngu\u1ed3n c\u01a1n l\u00e0 t\u00e0i kho\u1ea3n NH r\u00e1c”. Minh ch\u1ee9ng l\u00e0 t\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00f9ng nh\u1eadn tin nh\u1eafn, cu\u1ed9c g\u1ecdi l\u1eeba \u0111\u1ea3o li\u00ean t\u1ee5c gia t\u0103ng. N\u1ebfu n\u0103m 2022, con s\u1ed1 n\u00e0y l\u00e0 69,6% th\u00ec trong n\u0103m 2023 l\u00e0 73%. L\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh qua m\u1ea1ng b\u00f9ng n\u1ed5, nh\u1eb1m v\u00e0o n\u1ea1n nh\u00e2n thu\u1ed9c m\u1ecdi t\u1ea7ng l\u1edbp v\u00e0 sinh s\u1ed1ng \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u. \u0110\u00e1ng n\u00f3i, trong c\u00e1c v\u1ee5 l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh, k\u1ebb x\u1ea5u y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n NH kh\u00f4ng ch\u00ednh ch\u1ee7, khi\u1ebfn c\u01a1 quan ch\u1ee9c n\u0103ng g\u1eb7p kh\u00f3 kh\u0103n \u0111\u1ec3 t\u00ecm ra th\u1ee7 ph\u1ea1m v\u00e0 l\u1ea5y l\u1ea1i ti\u1ec1n cho n\u1ea1n nh\u00e2n. C\u00e1c chuy\u00ean gia c\u1ee7a Bkav kh\u1eb3ng \u0111\u1ecbnh t\u00e0i kho\u1ea3n NH “r\u00e1c” l\u00e0 ngu\u1ed3n c\u01a1n c\u1ee7a n\u1ea1n l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh qua m\u1ea1ng t\u1ea1i VN th\u1eddi gian qua.<\/p>\n

Trung t\u00e2m Gi\u00e1m s\u00e1t an to\u00e0n kh\u00f4ng gian m\u1ea1ng qu\u1ed1c gia th\u1ed1ng k\u00ea c\u00f3 3 c\u00e1ch \u0111\u1ec3 k\u1ebb x\u1ea5u thu mua t\u00e0i kho\u1ea3n NH kh\u00f4ng ch\u00ednh ch\u1ee7. \u0110\u00f3 l\u00e0 mua, thu\u00ea t\u00e0i kho\u1ea3n NH c\u1ee7a sinh vi\u00ean, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p thi\u1ebfu hi\u1ec3u bi\u1ebft; mua chu\u1ed9c nh\u00e2n vi\u00ean NH \u0111\u00e1nh c\u1eafp th\u00f4ng tin t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch; thu mua l\u1ea1i c\u1ee7a nh\u1eefng k\u1ebb x\u1ea5u kh\u00e1c th\u00f4ng qua c\u00e1c nh\u00f3m k\u00edn tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i nh\u01b0 Telegram; Facebook, Zalo\u2026 ho\u1eb7c c\u00e1c di\u1ec5n \u0111\u00e0n hacker. Th\u01b0\u1eddng m\u1ed7i t\u00e0i kho\u1ea3n NH s\u1ebd \u0111\u01b0\u1ee3c giao d\u1ecbch v\u1edbi m\u1ee9c gi\u00e1 kho\u1ea3ng t\u1eeb 500.000 \u0111\u1ed3ng \u0111\u1ebfn 3 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c nhi\u1ec1u h\u01a1n t\u00f9y theo th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a NH v\u00e0 h\u1ea1n m\u1ee9c giao d\u1ecbch.<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p m\u1edbi nh\u1ea5t m\u00e0 ch\u00fang t\u00f4i ti\u1ebfp c\u1eadn, t\u1ed1i 6.7, \u00f4ng T.H (Q.4, TP.HCM) t\u00e1 h\u1ecfa th\u00f4ng b\u00e1o cho NH v\u1eeba b\u1ecb l\u1eeba chuy\u1ec3n kho\u1ea3n 10 tri\u1ec7u \u0111\u1ed3ng t\u1eeb t\u00e0i kho\u1ea3n Vietcombank sang Oceanbank. Tuy nhi\u00ean, \u00f4ng th\u1eeba nh\u1eadn r\u1eb1ng “th\u00f4ng b\u00e1o v\u1eady th\u00f4i” ch\u1ee9 th\u1eddi gian qua trong nhi\u1ec1u v\u1ee5 m\u1ea5t ti\u1ec1n chuy\u1ec3n kho\u1ea3n th\u00ec h\u1ea7u h\u1ebft \u0111\u1ec1u b\u00f3 tay v\u00ec c\u00e1c t\u00e0i kho\u1ea3n NH nh\u1eadn do b\u1ecdn l\u1eeba \u0111\u1ea3o mua l\u1ea1i n\u00ean s\u1ebd chuy\u1ec3n l\u00f2ng v\u00f2ng qua c\u00e1c NH kh\u00e1c \u0111\u1ec3 “c\u1eaft \u0111u\u00f4i”. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng cho th\u1ea5y t\u1ed9i ph\u1ea1m l\u1ee3i d\u1ee5ng vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n, c\u00e1c ti\u1ec7n \u00edch chuy\u1ec3n kho\u1ea3n nhanh ch\u00f3ng d\u1ec5 d\u00e0ng, c\u0169ng nh\u01b0 quy \u0111\u1ecbnh NH kh\u00f4ng \u0111\u01b0\u1ee3c can thi\u1ec7p v\u00e0o t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng\u2026 \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u00e0nh vi l\u1eeba \u0111\u1ea3o. “Kh\u00e1ch h\u00e0ng th\u00f4ng b\u00e1o \u0111\u1ec3 ph\u00eda NH bi\u1ebft nh\u1eefng t\u00e0i kho\u1ea3n “\u0111en” n\u00e0y chuy\u00ean d\u00f9ng \u0111\u1ec3 nh\u1eadn ti\u1ec1n l\u1eeba \u0111\u1ea3o th\u1ebf nh\u01b0ng c\u0169ng kh\u00f4ng bi\u1ebft NH c\u00f3 kh\u00f3a t\u00e0i kho\u1ea3n n\u00e0y kh\u00f4ng hay t\u00e0i kho\u1ea3n v\u1eabn ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n l\u1eeba \u0111\u1ea3o v\u00e0 chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c”, \u00f4ng T.H n\u00f3i.<\/p>\n

Qu\u00e9t t\u00e0i kho\u1ea3n “r\u00e1c”, truy v\u1ebft ti\u1ec1n l\u1eeba \u0111\u1ea3o<\/h2>\n

Nh\u01b0 v\u1eady v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 18, th\u00f4ng tin sinh tr\u1eafc h\u1ecdc kh\u00f4ng ch\u1ec9 d\u00f9ng trong tr\u01b0\u1eddng h\u1ee3p chuy\u1ec3n kho\u1ea3n m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00e0i kho\u1ea3n ch\u00ednh ch\u1ee7. C\u00f3 th\u1ec3 th\u1ea5y, ng\u00e0nh NH \u0111\u00e3 si\u1ebft th\u00eam m\u1ed9t v\u00f2ng b\u1ea3o m\u1eadt n\u1eefa \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng. Tr\u01b0\u1edbc \u0111\u00f3, t\u1eeb ng\u00e0y 1.7, c\u00e1c ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i c\u00e0i \u0111\u1eb7t sinh tr\u1eafc h\u1ecdc khu\u00f4n m\u1eb7t m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n chuy\u1ec3n kho\u1ea3n t\u1eeb 10 tri\u1ec7u \u0111\u1ed3ng\/l\u1ea7n tr\u1edf l\u00ean ho\u1eb7c 20 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y. T\u00ednh \u0111\u1ebfn chi\u1ec1u 5.7, c\u00e1c NH \u0111\u00e3 \u0111\u1ed1i chi\u1ebfu, l\u00e0m s\u1ea1ch 19 tri\u1ec7u t\u00e0i kho\u1ea3n v\u1edbi CCCD c\u00f3 g\u1eafn chip. Con s\u1ed1 n\u00e0y ch\u1ec9 m\u1edbi h\u01a1n 10% s\u1ed1 l\u01b0\u1ee3ng t\u00e0i kho\u1ea3n NH hi\u1ec7n nay, kho\u1ea3ng 180 tri\u1ec7u t\u00e0i kho\u1ea3n. V\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 nhu c\u1ea7u chuy\u1ec3n ti\u1ec1n tr\u00ean 10 tri\u1ec7u c\u0169ng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00e0i sinh tr\u1eafc khu\u00f4n m\u1eb7t. V\u00ec th\u1ebf, quy \u0111\u1ecbnh t\u00e0i kho\u1ea3n NH ch\u00ednh ch\u1ee7 s\u1ebd c\u00f3 \u0111\u1ed9 ph\u1ee7 r\u1ed9ng h\u01a1n, bao qu\u00e1t h\u01a1n v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n trong vi\u1ec7c ph\u00f2ng ch\u1ed1ng l\u1eeba \u0111\u1ea3o.<\/p>\n

Theo m\u1ed9t chuy\u00ean gia c\u00f4ng ngh\u1ec7, VN la\u0300 m\u1ed9t trong nh\u01b0\u0303ng qu\u00f4\u0301c gia co\u0301 na\u0323n mua ba\u0301n ta\u0300i khoa\u0309n cao, t\u00ecnh tr\u1ea1ng gia\u0309 ma\u0323o gi\u00e2\u0301y t\u01a1\u0300 \u0111\u1ec3 m\u01a1\u0309 ta\u0300i khoa\u0309n eKYC, chi\u00ea\u0301m \u0111oa\u0323t ta\u0300i khoa\u0309n d\u01b0\u0323a va\u0300o l\u1eeba \u0111\u1ea3o (phishing), g\u0103\u0301n backdoor (ATO, account-take-over) r\u1ea5t nhi\u1ec1u. Do v\u1ea1\u0302y vi\u1eb9\u0302c s\u01b0\u0309 du\u0323ng ca\u0301c bi\u1eb9\u0302n pha\u0301p xa\u0301c th\u01b0\u0323c ta\u0306ng cu\u031b\u01a1\u0300ng lu\u0301c m\u01a1\u0309 ta\u0300i khoa\u0309n va\u0300 ba\u0309o v\u1eb9\u0302 ca\u0301c giao di\u0323ch co\u0301 gia\u0301 tr\u1ecb l\u01a1\u0301n l\u00e0 h\u1ebft s\u1ee9c c\u1ea7n thi\u1ebft v\u00e0 hi\u1ec7u qu\u1ea3. “Sinh tr\u0103\u0301c ho\u0323c la\u0300 m\u1ecd\u0302t trong nh\u01b0\u0303ng bi\u1ec7n ph\u00e1p chi\u0301nh go\u0301p ph\u00e2\u0300n ba\u0309o v\u1eb9\u0302 ta\u0300i khoa\u0309n ngu\u031b\u01a1\u0300i da\u0302n khi th\u01b0\u0323c hi\u1eb9\u0302n ca\u0301c giao di\u0323ch co\u0301 gia\u0301 tri\u0323 cao nh\u0103\u0300m pho\u0300ng tr\u01b0\u0300 na\u0323n mua ba\u0301n ta\u0300i khoa\u0309n \u01a1\u0309 vu\u0300ng sa\u0302u vu\u0300ng xa, ca\u0301c khu co\u0302ng nghi\u1eb9\u0302p, na\u0323n ma\u0323o danh va\u0300 la\u0300m gia\u0309 gi\u00e2\u0301y t\u01a1\u0300 \u0111i\u0323nh danh c\u0169ng nh\u01b0 na\u0323n chi\u00ea\u0301m \u0111oa\u0323t ta\u0300i khoa\u0309n.<\/p>\n

M\u1ecd\u0302t s\u1ed1 gia\u0309i pha\u0301p xa\u0301c th\u01b0\u0323c ma\u0323nh bao g\u00f4\u0300m sinh tr\u0103\u0301c ho\u0323c va\u0300 smart OTP \u0111u\u031b\u01a1\u0323c ma\u0303 h\u00f3a tr\u00ean thi\u00ea\u0301t bi\u0323 \u0111i\u1eb9\u0302n thoa\u0323i tho\u0302ng minh c\u00f3 th\u1ec3 ba\u0309o v\u1eb9\u0302 tuy\u1eb9\u0302t \u0111\u00f4\u0301i vi\u0300 \u0111a\u0303 bao g\u00f4\u0300m 3 y\u00ea\u0301u t\u00f4\u0301 r\u00e2\u0301t ma\u0323nh \u0111\u00ea\u0309 xa\u0301c th\u01b0\u0323c danh ti\u0301nh con ngu\u031b\u01a1\u0300i (B\u1ea1n l\u00e0 ai? B\u1ea1n c\u00f3 g\u00ec? B\u1ea1n bi\u1ebft g\u00ec?) Ngay ca\u0309 ca\u0301c ru\u0309i ro nhu\u031b co\u0302ng ngh\u1eb9\u0302 Deepfake th\u00ec ke\u0309 x\u00e2\u0301u c\u0169ng pha\u0309i chi\u00ea\u0301m quy\u00ea\u0300n \u0111i\u00ea\u0300u khi\u00ea\u0309n \u0111u\u031b\u01a1\u0323c thi\u00ea\u0301t bi\u0323, bi\u00ea\u0301t \u0111u\u031b\u01a1\u0323c ma\u0303 pin ta\u0323o ra smart OTP v\u00e0 ma\u0323o danh sinh tr\u0103\u0301c ho\u0323c (gu\u031bo\u031bng m\u1ea1\u0306t) s\u00f4\u0301ng \u0111\u00ea\u0309 vu\u031b\u01a1\u0323t qua ca\u0301c l\u01a1\u0301p ha\u0300ng ra\u0300o ba\u0309o m\u1ea1\u0302t kh\u0103\u0301t khe. Ne\u0302n co\u0301 th\u00ea\u0309, no\u0301i l\u01a1\u0301p xa\u0301c th\u01b0\u0323c ta\u0306ng cu\u031b\u01a1\u0300ng sinh tr\u0103\u0301c ho\u0323c la\u0300 co\u0301 gia\u0301 tri\u0323 ba\u0309o v\u1eb9\u0302 r\u00e2\u0301t cao”, v\u1ecb n\u00e0y gi\u1ea3i th\u00edch.<\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i NH VN, \u0111\u1ed3ng quan \u0111i\u1ec3m khi nh\u1ea5n m\u1ea1nh quy \u0111\u1ecbnh x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc khi chuy\u1ec3n kho\u1ea3n hay m\u1edf t\u00e0i kho\u1ea3n NH trong th\u1eddi gian t\u1edbi s\u1ebd l\u00e0m s\u1ea1ch d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n NH. Th\u1ef1c ti\u1ec5n hi\u1ec7n nay chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00e3 di\u1ec5n ra m\u1ea1nh m\u1ebd v\u00e0 mang l\u1ea1i ti\u1ec7n \u00edch, giao d\u1ecbch thu\u1eadn l\u1ee3i h\u01a1n cho ng\u01b0\u1eddi d\u00e2n, t\u1ea1o b\u01b0\u1edbc chuy\u1ec3n bi\u1ebfn, \u0111\u1ed9t ph\u00e1 m\u1edbi cho ng\u00e0nh NH. Song song \u0111\u00f3 l\u00e0 t\u00ecnh tr\u1ea1ng k\u1ebb gian l\u1ee3i d\u1ee5ng \u0111\u1ec3 l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t th\u00f4ng tin t\u00e0i kho\u1ea3n, lu\u00e2n chuy\u1ec3n d\u00f2ng ti\u1ec1n t\u1edbi m\u1ee9c b\u00e1o \u0111\u1ed9ng. Chuy\u1ec3n kho\u1ea3n c\u0169ng nh\u01b0 m\u1edf t\u00e0i kho\u1ea3n NH y\u00eau c\u1ea7u x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc s\u1ebd h\u1ea1n ch\u1ebf t\u00e0i kho\u1ea3n “r\u00e1c”, t\u00e0i kho\u1ea3n “ma”\u2026 c\u0169ng nh\u01b0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 truy v\u1ebft l\u1eeba \u0111\u1ea3o trong th\u1eddi gian t\u1edbi.<\/p>\n

“Quy \u0111\u1ecbnh m\u1edbi kh\u00f4ng nh\u1eefng y\u00eau c\u1ea7u t\u00e0i kho\u1ea3n ch\u00ednh ch\u1ee7 m\u00e0 c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh chi ti\u1ebft t\u1eeb th\u1ef1c ti\u1ec5n ph\u00e1t sinh li\u00ean quan \u0111\u1ebfn th\u1ecfa thu\u1eadn nh\u01b0 giao d\u1ecbch, phong t\u1ecfa t\u00e0i kho\u1ea3n ch\u00ednh ch\u1ee7 c\u00f3 nghi ng\u1edd gian l\u1eadn, l\u1eeba \u0111\u1ea3o. Th\u1ebf n\u00ean c\u00e1c NH s\u1ebd ph\u1ed1i h\u1ee3p \u0111\u1ec3 x\u00e2y d\u1ef1ng quy tr\u00ecnh x\u1eed l\u00fd t\u00e0i kho\u1ea3n, th\u1ebb nh\u1eb1m ph\u00f2ng ch\u1ed1ng gian l\u1eadn, l\u1eeba \u0111\u1ea3o. M\u1ed7i NH s\u1ebd x\u00e2y d\u1ef1ng quy tr\u00ecnh x\u1eed l\u00fd c\u1ee5 th\u1ec3 khi x\u1ea3y ra s\u1ef1 vi\u1ec7c l\u1eeba \u0111\u1ea3o c\u1ea7n x\u1eed l\u00fd nh\u01b0 th\u1ebf n\u00e0o, h\u00ecnh th\u1ee9c phong t\u1ecfa t\u00e0i s\u1ea3n ra sao. Quy tr\u00ecnh n\u00e0y d\u1ef1 ki\u1ebfn s\u1ebd s\u1edbm ban h\u00e0nh”, \u00f4ng H\u00f9ng th\u00f4ng tin.<\/p>\n

Hi\u1ec7u qu\u1ea3 t\u1edbi \u0111\u00e2u?<\/h2>\n

D\u00f9 v\u1eady \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng th\u1eeba nh\u1eadn: “T\u1ed9i ph\u1ea1m lu\u00f4n manh \u0111\u1ed9ng, tinh vi, bi\u1ebfn h\u00f3a m\u1ecdi th\u1ee7 \u0111o\u1ea1n \u0111\u1ec3 l\u1eeba \u0111\u1ea3o, th\u1eadm ch\u00ed s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 b\u1ebb kh\u00f3a \u0111\u01b0\u1ee3c nh\u1eefng gi\u1ea3i ph\u00e1p b\u1ea3o m\u1eadt m\u1edbi nh\u1eb1m th\u1ef1c hi\u1ec7n h\u00e0nh vi l\u1eeba \u0111\u1ea3o. V\u00ec th\u1ebf, \u0111\u00e2y l\u00e0 cu\u1ed9c chi\u1ebfn l\u00e2u d\u00e0i ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf c\u00e1c gi\u1ea3i ph\u00e1p n\u00f3i tr\u00ean”.<\/p>\n

\u00d4ng Ng\u00f4 Minh Hi\u1ebfu, chuy\u00ean gia b\u1ea3o m\u1eadt t\u1eeb d\u1ef1 \u00e1n\u00a0chongluadao.vn<\/i>, c\u0169ng cho r\u1eb1ng nh\u1eefng quy \u0111\u1ecbnh m\u1edbi ban h\u00e0nh s\u1ebd h\u1ea1n ch\u1ebf nhi\u1ec1u t\u00ecnh tr\u1ea1ng mua b\u00e1n t\u00e0i kho\u1ea3n NH, t\u00e0i kho\u1ea3n “r\u00e1c”, “ma” kh\u00e1 ph\u1ed5 bi\u1ebfn th\u1eddi gian qua. Th\u1ebf nh\u01b0ng n\u00f3 kh\u00f4ng ho\u00e0n to\u00e0n l\u00e0m s\u1ea1ch h\u1ebft d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n NH b\u1edfi t\u1ed9i ph\u1ea1m s\u1ebd t\u00ecm c\u00e1ch m\u1edbi \u0111\u1ec3 l\u00e1ch quy \u0111\u1ecbnh. Qua theo d\u00f5i tr\u00ean kh\u00f4ng gian m\u1ea1ng g\u1ea7n \u0111\u00e2y, \u00f4ng Hi\u1ebfu cho hay \u0111ang th\u1ea5y xu\u1ea5t hi\u1ec7n 2 h\u00ecnh th\u1ee9c. \u0110\u00f3 l\u00e0 thu\u00ea ng\u01b0\u1eddi Vi\u1ec7t \u1edf n\u01b0\u1edbc ngo\u00e0i (c\u00e1c n\u01b0\u1edbc l\u00e2n c\u1eadn VN) \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n NH b\u1eb1ng c\u00e1ch khai b\u00e1o th\u00f4ng tin tr\u1ef1c tuy\u1ebfn qua KYC cho m\u1ee5c \u0111\u00edch l\u1eeba \u0111\u1ea3o, r\u1eeda ti\u1ec1n.<\/p>\n

Th\u1ee7 \u0111o\u1ea1n th\u1ee9 hai l\u00e0 li\u00ean k\u1ebft v\u1edbi nh\u00e2n vi\u00ean NH \u0111\u1ec3 l\u1ea5y th\u00f4ng tin kh\u00e1ch h\u00e0ng, k\u1ec3 c\u1ea3 ph\u1ea7n sinh tr\u1eafc h\u1ecdc r\u1ed3i mua l\u1ea1i v\u1edbi gi\u00e1 t\u1eeb 300.000 – 500.000 \u0111\u1ed3ng m\u1ed7i t\u00e0i kho\u1ea3n. Trong 2 th\u1ee7 \u0111o\u1ea1n tr\u00ean th\u00ec th\u1ee7 \u0111o\u1ea1n 1 d\u1ec5 l\u00e0m h\u01a1n, trong tr\u01b0\u1eddng h\u1ee3p ph\u00e1t hi\u1ec7n th\u00ec ch\u1ec9 b\u1ecb kh\u00f3a t\u00e0i kho\u1ea3n. \u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 s\u1eafp t\u1edbi, t\u1ed9i ph\u1ea1m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 AI, Deepfake \u0111\u1ec3 qua m\u1eb7t \u1ee9ng d\u1ee5ng sinh tr\u1eafc h\u1ecdc t\u00e0i kho\u1ea3n NH. Ch\u1eb3ng h\u1ea1n, k\u1ebb gian l\u1ea5y \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u th\u00f4ng tin kh\u00e1ch h\u00e0ng, sau \u0111\u00f3 s\u1eed d\u1ee5ng Deepfake \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n NH v\u00e0 s\u1eed d\u1ee5ng tr\u00ean \u1ee9ng d\u1ee5ng NH. Th\u00f4ng tin d\u1eef li\u1ec7u kh\u1edbp m\u00e0 app NH kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 b\u1ea3o m\u1eadt t\u1ed1t th\u00ec v\u1eabn c\u00f3 th\u1ec3 v\u01b0\u1ee3t m\u1eb7t.<\/p>\n

V\u1eady l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 b\u1ea3o m\u1eadt t\u1ed1i \u0111a? Chia s\u1ebb kinh nghi\u1ec7m \u1edf m\u1ed9t s\u1ed1 n\u01b0\u1edbc, \u00f4ng Ng\u00f4 Minh Hi\u1ebfu th\u00f4ng tin c\u00e1c NH s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t \u0111\u1ec3 ph\u00e1t hi\u1ec7n nh\u1eefng giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng, \u0111\u00e1ng ng\u1edd t\u1eeb \u0111\u00f3 c\u1ea3nh b\u00e1o ngay \u0111\u1ebfn kh\u00e1ch h\u00e0ng. Ch\u1eb3ng h\u1ea1n, m\u1ed7i ng\u00e0y ch\u1ee7 t\u00e0i kho\u1ea3n \u0111\u00f3 ch\u1ec9 giao d\u1ecbch m\u1ed9t h\u1ea1n m\u1ee9c nh\u1ea5t \u0111\u1ecbnh kho\u1ea3ng 1 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng nay ph\u00e1t sinh giao d\u1ecbch l\u00ean h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng th\u00ec nh\u00e2n vi\u00ean NH s\u1ebd li\u00ean h\u1ec7 \u0111\u1ec3 x\u00e1c minh c\u00f3 \u0111\u00fang l\u00e0 giao d\u1ecbch \u0111\u00f3 do ch\u1ee7 t\u00e0i kho\u1ea3n th\u1ef1c hi\u1ec7n hay kh\u00f4ng. Hay tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, t\u00e0i kho\u1ea3n v\u1eeba giao d\u1ecbch t\u1ea1i VN m\u00e0 1 – 2 gi\u1edd sau \u0111\u00e3 giao d\u1ecbch \u1edf n\u01b0\u1edbc ngo\u00e0i; hay c\u00f9ng m\u1ed9t th\u1eddi \u0111i\u1ec3m, t\u00e0i kho\u1ea3n th\u1ef1c hi\u1ec7n c\u1ea3 ch\u1ee5c giao d\u1ecbch li\u00ean t\u1ee5c\u2026 T\u1ea5t c\u1ea3 nh\u1eefng b\u1ea5t th\u01b0\u1eddng n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c b\u00e1o cho ch\u1ee7 t\u00e0i kho\u1ea3n x\u00e1c nh\u1eadn tr\u01b0\u1edbc khi chuy\u1ec3n \u0111i. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng ph\u1ea3i ch\u1ee7 t\u00e0i kho\u1ea3n th\u00ec NH th\u1ef1c hi\u1ec7n kh\u00f3a t\u00e0i kho\u1ea3n t\u1ea1m th\u1eddi nh\u1eb1m \u0111\u1ea3m b\u1ea3o cho kh\u00e1ch h\u00e0ng.<\/p>\n

Theo \u00f4ng Ng\u00f4 Minh Hi\u1ebfu, trong c\u00e1c y\u1ebfu t\u1ed1 b\u1ea3o m\u1eadt c\u00f3 3 quy tr\u00ecnh c\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 quy \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn, c\u00f4ng ngh\u1ec7 v\u00e0 con ng\u01b0\u1eddi. Ngo\u00e0i vi\u1ec7c \u0111\u01b0a ra quy \u0111\u1ecbnh \u00e1p d\u1ee5ng, NH c\u0169ng ph\u1ea3i \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n gi\u00e1m s\u00e1t, ph\u00e1t hi\u1ec7n giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c NH c\u1ea7n chia s\u1ebb d\u1eef li\u1ec7u nh\u1eefng t\u00e0i kho\u1ea3n l\u1eeba \u0111\u1ea3o \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u1ea3nh gi\u00e1c, t\u1eeb \u0111\u00f3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n l\u1eeba \u0111\u1ea3o, gi\u00fap tr\u00e1nh thi\u1ec7t h\u1ea1i. C\u1ee5 th\u1ec3, khi c\u00f3 danh s\u00e1ch t\u00e0i kho\u1ea3n “\u0111en”, “r\u00e1c”, “ma” chuy\u00ean l\u1eeba \u0111\u1ea3o th\u00ec chia s\u1ebb cho c\u00e1c NH kh\u00e1c \u0111\u1ec3 c\u1ea3nh b\u00e1o \u0111\u1ebfn kh\u00e1ch h\u00e0ng khi h\u1ecd th\u1ef1c hi\u1ec7n chuy\u1ec3n kho\u1ea3n. \u0110\u1ed3ng th\u1eddi ng\u01b0\u1eddi d\u00f9ng c\u0169ng c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c v\u1ec1 nh\u1eefng th\u1ee7 \u0111o\u1ea1n l\u1eeba \u0111\u1ea3o \u0111\u1ec3 ph\u00f2ng ng\u1eeba.<\/p>\n

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Th\u1ebb NH r\u00fat ngo\u1ea1i t\u1ec7 \u1edf n\u01b0\u1edbc ngo\u00e0i t\u1ed1i \u0111a 30 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y<\/h2>\n

Theo Th\u00f4ng t\u01b0 18\/2024 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb NH, c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb NH th\u1ecfa thu\u1eadn v\u1edbi ch\u1ee7 th\u1ebb v\u1ec1 h\u1ea1n m\u1ee9c thanh to\u00e1n, h\u1ea1n m\u1ee9c chuy\u1ec3n kho\u1ea3n, h\u1ea1n m\u1ee9c r\u00fat ti\u1ec1n m\u1eb7t v\u00e0 c\u00e1c h\u1ea1n m\u1ee9c kh\u00e1c trong vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb theo quy \u0111\u1ecbnh. \u0110\u1ed1i v\u1edbi h\u1ea1n m\u1ee9c r\u00fat ngo\u1ea1i t\u1ec7 ti\u1ec1n m\u1eb7t t\u1ea1i n\u01b0\u1edbc ngo\u00e0i, m\u1ed9t th\u1ebb \u0111\u01b0\u1ee3c r\u00fat t\u1ed1i \u0111a t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 30 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y. \u0110\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng, t\u1ed5ng h\u1ea1n m\u1ee9c r\u00fat ti\u1ec1n m\u1eb7t t\u00ednh theo BIN c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng t\u1ed1i \u0111a l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng. \u0110\u1ed1i v\u1edbi th\u1ebb tr\u1ea3 tr\u01b0\u1edbc, t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u1ea1n m\u1ee9c s\u1ed1 d\u01b0, h\u1ea1n m\u1ee9c n\u1ea1p th\u00eam ti\u1ec1n v\u00e0o th\u1ebb v\u00e0 h\u1ea1n m\u1ee9c giao d\u1ecbch; \u0111\u1ea3m b\u1ea3o s\u1ed1 d\u01b0 t\u1ea1i m\u1ecdi th\u1eddi \u0111i\u1ec3m tr\u00ean m\u1ed9t th\u1ebb tr\u1ea3 tr\u01b0\u1edbc v\u00f4 danh kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 5 tri\u1ec7u \u0111\u1ed3ng; t\u1ed5ng h\u1ea1n m\u1ee9c giao d\u1ecbch (bao g\u1ed3m giao d\u1ecbch r\u00fat ti\u1ec1n m\u1eb7t, giao d\u1ecbch chuy\u1ec3n kho\u1ea3n, giao d\u1ecbch thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5) tr\u00ean m\u1ed9t th\u1ebb tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ecbnh danh kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 100 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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N\u1ebfu b\u1ecb d\u1eabn d\u1ee5 t\u1ef1 chuy\u1ec3n ti\u1ec1n th\u00ec t\u00e0i kho\u1ea3n ch\u00ednh ch\u1ee7 c\u0169ng b\u00f3 tay<\/h2>\n

Th\u1eddi gian qua, ng\u01b0\u1eddi d\u00e2n th\u01b0\u1eddng hay b\u1ecb l\u1eeba nh\u1ea5t b\u1eb1ng th\u1ee7 \u0111o\u1ea1n d\u1eabn d\u1ee5 nh\u1ea5p v\u00e0o \u0111\u01b0\u1eddng link c\u00f3 g\u1eafn m\u00e3 \u0111\u1ed9c ho\u1eb7c t\u1ef1 chuy\u1ec3n ti\u1ec1n cho t\u1ed9i ph\u1ea1m. Nh\u1eefng c\u00e1i n\u00e0y th\u00ec d\u00f9 t\u00e0i kho\u1ea3n NH c\u00f3 c\u00e0i sinh tr\u1eafc h\u1ecdc hay ch\u00ednh ch\u1ee7 \u0111i n\u1eefa c\u0169ng kh\u00f4ng th\u1ec3 n\u00e0o ng\u0103n ch\u1eb7n \u0111\u01b0\u1ee3c l\u1eeba \u0111\u1ea3o. Trong tr\u01b0\u1eddng h\u1ee3p thi\u1ebft b\u1ecb nhi\u1ec5m m\u00e3 \u0111\u1ed9c th\u00ec to\u00e0n b\u1ed9 th\u00f4ng tin, d\u1eef li\u1ec7u, k\u1ec3 c\u1ea3 h\u00ecnh \u1ea3nh khu\u00f4n m\u1eb7t c\u0169ng \u0111\u1ec1u b\u1ecb thu th\u1eadp.<\/p>\n

Chuy\u00ean gia b\u1ea3o m\u1eadt\u00a0Ng\u00f4 Minh Hi\u1ebfu<\/b><\/i><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

T\u1eeb ng\u00e0y 1.1.2025, t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng ch\u00ednh ch\u1ee7 s\u1ebd kh\u00f4ng th\u1ec3 giao d\u1ecbch tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p m\u1ea1nh tay \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i kho\u1ea3n “r\u00e1c”, v\u1ed1n \u0111ang b\u1ecb l\u1ee3i d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng l\u1eeba \u0111\u1ea3o. T\u00e0i kho\u1ea3n “r\u00e1c” ti\u1ebfp tay l\u1eeba \u0111\u1ea3o tr\u1ef1c […]<\/p>\n","protected":false},"author":6,"featured_media":3935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[13],"tags":[],"class_list":{"0":"post-3930","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tin-tuc"},"_links":{"self":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/3930","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/comments?post=3930"}],"version-history":[{"count":1,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/3930\/revisions"}],"predecessor-version":[{"id":3937,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/3930\/revisions\/3937"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/media\/3935"}],"wp:attachment":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/media?parent=3930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/categories?post=3930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/tags?post=3930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}