{"id":6097,"date":"2026-09-30T17:09:11","date_gmt":"2026-09-30T10:09:11","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=6097"},"modified":"2026-09-30T17:09:15","modified_gmt":"2026-09-30T10:09:15","slug":"ngan-hang-dung-du-lieu-thue-cham-diem-tin-dung-2026-lop-du-lieu-moi-cua-cic-thay-doi-tham-dinh-vay-von","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/ngan-hang-dung-du-lieu-thue-cham-diem-tin-dung-2026-lop-du-lieu-moi-cua-cic-thay-doi-tham-dinh-vay-von\/","title":{"rendered":"Ng\u00e2n H\u00e0ng D\u00f9ng D\u1eef Li\u1ec7u Thu\u1ebf Ch\u1ea5m \u0110i\u1ec3m T\u00edn D\u1ee5ng 2026: L\u1edbp D\u1eef Li\u1ec7u M\u1edbi C\u1ee7a CIC Thay \u0110\u1ed5i Th\u1ea9m \u0110\u1ecbnh Vay V\u1ed1n"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>T\u00f3m t\u1eaft:<\/strong> Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111ang chuy\u1ec3n t\u1eeb \u00fd t\u01b0\u1edfng sang th\u1ef1c t\u1ebf. C\u01a1 quan thu\u1ebf c\u1ee7a Vi\u1ec7t Nam s\u1ebd chia s\u1ebb d\u1eef li\u1ec7u n\u1ed9p thu\u1ebf c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf cho Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia (CIC), \u0111\u01a1n v\u1ecb thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN). C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd c\u00f3 th\u00eam m\u1ed9t l\u1edbp d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ng\u01b0\u1eddi vay b\u00ean c\u1ea1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng, theo VnExpress, ng\u00e0y 23 th\u00e1ng 9 n\u0103m 2026.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 thay th\u1ebf cho \u0111i\u1ec3m t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3. \u0110\u00e2y l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u b\u1ed5 sung, l\u00e0m t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a d\u1eef li\u1ec7u c\u00f4ng khai v\u00e0 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c t\u1ed5ng h\u1ee3p cho ng\u00e2n h\u00e0ng, c\u00f4ng ty fintech cho vay, v\u00e0 c\u00e1c c\u00f4ng ty nh\u01b0 DataCore gi\u00fap h\u1ecd x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng m\u1edf r\u1ed9ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Th\u1ecb tr\u01b0\u1eddng cho vay c\u1ee7a Vi\u1ec7t Nam t\u1eeb l\u00e2u ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o m\u1ed9t t\u1eadp d\u1eef li\u1ec7u h\u1eb9p: l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i CIC, c\u1ed9ng v\u1edbi b\u1ea5t k\u1ef3 h\u1ed3 s\u01a1 n\u00e0o ng\u00e2n h\u00e0ng thu th\u1eadp tr\u1ef1c ti\u1ebfp t\u1eeb ng\u01b0\u1eddi vay. \u0110i\u1ec1u n\u00e0y \u0111ang thay \u0111\u1ed5i. Ng\u00e0y 23 th\u00e1ng 9 n\u0103m 2026, VnExpress Kinh Doanh \u0111\u01b0a tin r\u1eb1ng c\u00e1c ng\u00e2n h\u00e0ng s\u1eafp t\u1edbi s\u1ebd s\u1eed d\u1ee5ng th\u00eam t\u00ecnh tr\u1ea1ng \u0111\u00f3ng v\u00e0 n\u1ed9p thu\u1ebf c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf, \u0111\u01b0\u1ee3c ng\u00e0nh thu\u1ebf chia s\u1ebb cho CIC, nh\u01b0 m\u1ed9t d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o b\u1ed5 sung khi x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 vay.<\/p>\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 ch\u1ebf n\u00e0y \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 m\u00f4 t\u1ea3 nh\u01b0ng c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3: h\u1ed3 s\u01a1 tu\u00e2n th\u1ee7 thu\u1ebf c\u1ee7a ng\u01b0\u1eddi vay tr\u1edf n\u00ean hi\u1ec3n th\u1ecb v\u1edbi ng\u00e2n h\u00e0ng b\u00ean c\u1ea1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a h\u1ecd.<\/p>\n\n\n<p class=\"wp-block-paragraph\">B\u00e0i vi\u1ebft n\u00e0y tr\u00ecnh b\u00e0y c\u00e1ch c\u01a1 ch\u1ebf n\u00e0y v\u1eadn h\u00e0nh, \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o b\u1ecb \u1ea3nh h\u01b0\u1edfng, v\u00e0 \u0111i\u1ec1u n\u00f3 cho th\u1ea5y v\u1ec1 h\u01b0\u1edbng \u0111i c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, t\u00ean g\u1ecdi m\u00e0 b\u00e0i vi\u1ebft n\u00e0y d\u00f9ng cho lu\u1ed3ng d\u1eef li\u1ec7u k\u1ebft h\u1ee3p thu\u1ebf v\u00e0 t\u00edn d\u1ee5ng \u0111\u00f3. \u0110\u00e2y l\u00e0 c\u00e1ch g\u1ecdi ng\u1eafn g\u1ecdn cho ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng xuy\u00ean su\u1ed1t b\u00e0i vi\u1ebft.<\/p>\n\n\n<h2 class=\"wp-block-heading\">VnExpress \u0110\u00e3 \u0110\u01b0a Tin G\u00ec V\u1ec1 Ng\u00e2n H\u00e0ng D\u00f9ng D\u1eef Li\u1ec7u Thu\u1ebf Ch\u1ea5m \u0110i\u1ec3m T\u00edn D\u1ee5ng?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3n tin kh\u00e1 h\u1eb9p v\u00e0 c\u1ee5 th\u1ec3. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam c\u00f3 th\u1ec3 b\u1ed5 sung t\u00ecnh tr\u1ea1ng \u0111\u00f3ng v\u00e0 n\u1ed9p thu\u1ebf c\u1ee7a ng\u01b0\u1eddi vay nh\u01b0 m\u1ed9t d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o ph\u1ee5 khi \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 vay, b\u00ean c\u1ea1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u1ed1n \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y tr\u1edf n\u00ean kh\u1ea3 thi sau khi c\u01a1 quan thu\u1ebf, \u0111\u01a1n v\u1ecb nh\u00e0 n\u01b0\u1edbc ch\u1ecbu tr\u00e1ch nhi\u1ec7m thu v\u00e0 qu\u1ea3n l\u00fd vi\u1ec7c k\u00ea khai, n\u1ed9p thu\u1ebf, chia s\u1ebb d\u1eef li\u1ec7u \u0111\u00f3 cho Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia (CIC), c\u01a1 quan th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN). \u0110\u00e2y l\u00e0 b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">VnExpress kh\u00f4ng n\u00eau t\u00ean m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3 n\u00e0o \u0111ang th\u00ed \u0111i\u1ec3m, n\u00ean b\u00e0i vi\u1ebft n\u00e0y c\u0169ng n\u00f3i chung v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, theo \u0111\u00fang ngu\u1ed3n tin. \u0110\u00f3 l\u00e0 to\u00e0n b\u1ed9 ph\u1ea1m vi c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng theo nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c \u0111\u01b0a tin hi\u1ec7n t\u1ea1i: di\u1ec7n r\u1ed9ng, \u00e1p d\u1ee5ng cho c\u1ea3 ng\u00e0nh, v\u00e0 kh\u00f4ng g\u1eafn v\u1edbi m\u1ed9t t\u1ed5 ch\u1ee9c ri\u00eang l\u1ebb.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Nguy\u00ean v\u0103n ti\u1ebfng Vi\u1ec7t c\u1ee7a b\u1ea3n tin kh\u00e1 th\u1eb3ng th\u1eafn: ngo\u00e0i l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1ebd \u0111\u00e1nh gi\u00e1 th\u00eam t\u00ecnh tr\u1ea1ng \u0111\u00f3ng, n\u1ed9p thu\u1ebf c\u1ee7a ng\u01b0\u1eddi vay, sau khi ng\u00e0nh thu\u1ebf chia s\u1ebb d\u1eef li\u1ec7u cho CIC. \u0110\u00f3 l\u00e0 to\u00e0n b\u1ed9 c\u01a1 ch\u1ebf \u0111\u01b0\u1ee3c \u0111\u01b0a tin ng\u00e0y 23 th\u00e1ng 9 n\u0103m 2026 b\u1edfi VnExpress Kinh Doanh. Kh\u00f4ng c\u00f3 ng\u00e0y tri\u1ec3n khai c\u1ee5 th\u1ec3, kh\u00f4ng c\u00f3 danh s\u00e1ch ng\u00e2n h\u00e0ng tham gia, v\u00e0 kh\u00f4ng c\u00f3 c\u00f4ng th\u1ee9c ch\u1ea5m \u0111i\u1ec3m n\u00e0o \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 k\u00e8m theo cho ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn l\u00e0 ch\u00ednh m\u1ed1i quan h\u1ec7 chia s\u1ebb d\u1eef li\u1ec7u, t\u1eeb c\u01a1 quan thu\u1ebf sang CIC, v\u00e0 vai tr\u00f2 c\u1ee7a CIC nh\u01b0 k\u00eanh trung gian bi\u1ebfn ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1eeb m\u1ed9t \u00fd t\u01b0\u1edfng th\u00e0nh th\u1ee9 m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 tra c\u1ee9u trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring.jpg\" alt=\"Bi\u1ec3u \u0111\u1ed3 \u0111\u01b0\u1eddng minh h\u1ecda c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng m\u1edf r\u1ed9ng nu\u00f4i m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng theo th\u1eddi gian\" class=\"wp-image-6064\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-300x169.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-1024x576.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-768x432.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Ng\u00e2n H\u00e0ng S\u1ebd Th\u1ef1c S\u1ef1 D\u00f9ng D\u1eef Li\u1ec7u Thu\u1ebf Trong Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng Nh\u01b0 Th\u1ebf N\u00e0o?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">V\u1ec1 m\u1eb7t v\u1eadn h\u00e0nh, ph\u1ea7n b\u1ed5 sung n\u00e0y ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t l\u1edbp d\u1eef li\u1ec7u, kh\u00f4ng ph\u1ea3i m\u1ed9t s\u1ef1 thay th\u1ebf. Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 l\u1ea5y b\u00e1o c\u00e1o t\u00edn d\u1ee5ng t\u1eeb CIC, cho th\u1ea5y c\u00e1c kho\u1ea3n vay hi\u1ec7n c\u00f3 c\u1ee7a ng\u01b0\u1eddi vay, l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3, v\u00e0 b\u1ea5t k\u1ef3 tr\u01b0\u1eddng h\u1ee3p v\u1ee1 n\u1ee3 n\u00e0o. Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng b\u1ed5 sung th\u00eam m\u1ed9t b\u01b0\u1edbc tra c\u1ee9u th\u1ee9 hai: ng\u01b0\u1eddi vay n\u00e0y c\u00f3 l\u1ecbch s\u1eed \u0111\u00f3ng v\u00e0 k\u00ea khai thu\u1ebf nh\u1ea5t qu\u00e1n hay kh\u00f4ng, hay c\u00f3 kho\u1ea3ng tr\u1ed1ng, tranh ch\u1ea5p, ho\u1eb7c n\u1ee3 thu\u1ebf qu\u00e1 h\u1ea1n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 c\u00e1ch ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u1eadn h\u00e0nh \u1edf c\u1ea5p \u0111\u1ed9 k\u1ef9 thu\u1eadt: t\u00edn hi\u1ec7u \u0111\u00f3 b\u1ed5 sung cho h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng ch\u1ee9 kh\u00f4ng ghi \u0111\u00e8 l\u00ean n\u00f3. T\u00ednh nh\u1ea5t qu\u00e1n trong vi\u1ec7c n\u1ed9p thu\u1ebf l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u h\u1eefu \u00edch v\u00ec n\u00f3 ph\u1ea3n \u00e1nh k\u1ef7 lu\u1eadt d\u00f2ng ti\u1ec1n th\u1ef1c t\u1ebf b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t ng\u01b0\u1eddi vay t\u1ef1 kinh doanh ho\u1eb7c ch\u1ee7 h\u1ed9 kinh doanh nh\u1ecf c\u00f3 th\u1ec3 c\u00f3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng m\u1ecfng ho\u1eb7c ch\u01b0a c\u00f3 t\u1ea1i CIC, nh\u01b0ng m\u1ed9t l\u1ecbch s\u1eed n\u1ed9p thu\u1ebf nhi\u1ec1u n\u0103m, n\u1ebfu t\u00edch c\u1ef1c, c\u00f3 th\u1ec3 ch\u1ee9ng minh m\u1ee9c \u0111\u1ed9 \u0111\u00e1ng tin c\u1eady m\u00e0 m\u1ed9t h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng \u0111\u01a1n thu\u1ea7n kh\u00f4ng th\u1ec3 ghi nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00f3 ch\u00ednh x\u00e1c l\u00e0 l\u00fd do ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng quan tr\u1ecdng nh\u1ea5t v\u1edbi nh\u1eefng ng\u01b0\u1eddi vay c\u00f3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng m\u1ecfng, ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi nh\u1eefng ng\u01b0\u1eddi vay \u0111\u00e3 c\u00f3 l\u1ecbch s\u1eed vay v\u1ed1n l\u00e2u n\u0103m.<\/p>\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n n\u00f3i r\u00f5 v\u1ec1 kh\u00eda c\u1ea1nh x\u00e1c th\u1ef1c. H\u1ed3 s\u01a1 thu\u1ebf \u0111\u01b0\u1ee3c ng\u01b0\u1eddi n\u1ed9p thu\u1ebf t\u1ef1 k\u00ea khai v\u1edbi c\u01a1 quan thu\u1ebf, sau \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu qua c\u00e1c quy tr\u00ecnh ki\u1ec3m so\u00e1t h\u00e0nh ch\u00ednh ri\u00eang c\u1ee7a c\u01a1 quan n\u00e0y, n\u00ean khi h\u1ed3 s\u01a1 \u0111\u1ebfn \u0111\u01b0\u1ee3c CIC, n\u00f3 \u0111\u00e3 tr\u1ea3i qua m\u1ed9t quy tr\u00ecnh tu\u00e2n th\u1ee7 c\u1ee7a nh\u00e0 n\u01b0\u1edbc, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t b\u01b0\u1edbc r\u00e0 so\u00e1t t\u00e0i li\u1ec7u do ch\u00ednh ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n. \u0110i\u1ec1u \u0111\u00f3 cho ng\u00e2n h\u00e0ng m\u1ed9t d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c \u0111\u1ed9c l\u1eadp, thay v\u00ec do ng\u01b0\u1eddi vay t\u1ef1 n\u1ed9p.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y m\u1ed9t ph\u1ea7n l\u00e0 l\u00fd do v\u00ec sao c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 v\u1ebb tho\u1ea3i m\u00e1i khi \u0111\u1ecbnh tuy\u1ebfn d\u1eef li\u1ec7u n\u00e0y qua CIC cho ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, thay v\u00ec \u0111\u1ec3 t\u1eebng ng\u00e2n h\u00e0ng t\u1ef1 y\u00eau c\u1ea7u h\u1ed3 s\u01a1 thu\u1ebf tr\u1ef1c ti\u1ebfp t\u1eeb ng\u01b0\u1eddi vay.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0a c\u00f3 th\u00f4ng tin c\u00f4ng khai chi ti\u1ebft n\u00e0o v\u1ec1 c\u01a1 ch\u1ebf \u0111\u1ed3ng \u00fd, t\u1ee9c l\u00e0 li\u1ec7u ng\u01b0\u1eddi vay c\u00f3 ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng cho ph\u00e9p vi\u1ec7c tra c\u1ee9u d\u1eef li\u1ec7u thu\u1ebf cho t\u1eebng h\u1ed3 s\u01a1 vay hay kh\u00f4ng, hay \u0111\u00e2y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ed1 \u0111\u1ecbnh trong b\u00e1o c\u00e1o t\u00edn d\u1ee5ng c\u1ee7a CIC. B\u1ea3n tin c\u1ee7a VnExpress kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn quy tr\u00ecnh \u0111\u1ed3ng \u00fd hay b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u, n\u00ean \u0111\u00e2y v\u1eabn l\u00e0 m\u1ed9t c\u00e2u h\u1ecfi v\u1eadn h\u00e0nh c\u00f2n b\u1ecf ng\u1ecf cho c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 cho CIC l\u00e0m r\u00f5 khi ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng chuy\u1ec3n t\u1eeb c\u00f4ng b\u1ed1 sang tri\u1ec3n khai th\u1ef1c t\u1ebf.<\/p>\n\n\n<h2 class=\"wp-block-heading\">V\u00ec Sao Vai Tr\u00f2 C\u1ee7a CIC L\u1ea1i Then Ch\u1ed1t Trong Thay \u0110\u1ed5i N\u00e0y?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">CIC, Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, l\u00e0 c\u01a1 quan th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia c\u1ee7a Vi\u1ec7t Nam. CIC \u0111\u00e3 t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u kho\u1ea3n vay v\u00e0 tr\u1ea3 n\u1ee3 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, sau \u0111\u00f3 tr\u1ea3 v\u1ec1 m\u1ed9t b\u00e1o c\u00e1o v\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng h\u1ee3p nh\u1ea5t khi c\u00f3 b\u00ean cho vay y\u00eau c\u1ea7u. Vi\u1ec7c b\u1ed5 sung d\u1eef li\u1ec7u thu\u1ebf v\u00e0o qu\u00e1 tr\u00ecnh t\u1ed5ng h\u1ee3p \u0111\u00f3 kh\u00f4ng \u0111\u00f2i h\u1ecfi t\u1eebng ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ef1 x\u00e2y d\u1ef1ng k\u1ebft n\u1ed1i ri\u00eang v\u1edbi c\u01a1 quan thu\u1ebf.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Thay v\u00e0o \u0111\u00f3, CIC tr\u1edf th\u00e0nh \u0111i\u1ec3m duy nh\u1ea5t n\u01a1i t\u00ecnh tr\u1ea1ng n\u1ed9p thu\u1ebf v\u00e0 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng n\u1eb1m c\u1ea1nh nhau, s\u1eb5n s\u00e0ng \u0111\u1ec3 ng\u00e2n h\u00e0ng tra c\u1ee9u \u1edf m\u1ed9t n\u01a1i. \u0110i\u1ec3m tra c\u1ee9u duy nh\u1ea5t \u0111\u00f3 ch\u00ednh l\u00e0 ph\u1ea7n v\u1eadn h\u00e0nh c\u1ed1t l\u00f5i c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, v\u00e0 c\u0169ng l\u00e0 l\u00fd do CIC gi\u1eef vai tr\u00f2 trung t\u00e2m trong to\u00e0n b\u1ed9 c\u01a1 ch\u1ebf n\u00e0y.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y quan tr\u1ecdng \u0111\u1ed1i v\u1edbi t\u1ed1c \u0111\u1ed9 \u00e1p d\u1ee5ng ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng tr\u00ean to\u00e0n th\u1ecb tr\u01b0\u1eddng. N\u1ebfu m\u1ed7i ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ef1 \u0111\u00e0m ph\u00e1n th\u1ecfa thu\u1eadn chia s\u1ebb d\u1eef li\u1ec7u ri\u00eang v\u1edbi c\u01a1 quan thu\u1ebf, vi\u1ec7c m\u1edf r\u1ed9ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng s\u1ebd di\u1ec5n ra ch\u1eadm v\u00e0 kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u tr\u00ean to\u00e0n th\u1ecb tr\u01b0\u1eddng. Vi\u1ec7c t\u1eadp trung lu\u1ed3ng d\u1eef li\u1ec7u thu\u1ebf v\u00e0o CIC, c\u00f9ng m\u1ed9t c\u01a1 quan m\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 tra c\u1ee9u \u0111\u1ec3 l\u1ea5y l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, gi\u00fap lo\u1ea1i b\u1ecf tr\u1edf ng\u1ea1i \u0111\u00f3.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y c\u0169ng l\u00e0 l\u00fd do v\u00ec sao n\u00ean hi\u1ec3u ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng nh\u01b0 m\u1ed9t ph\u1ea7n m\u1edf r\u1ed9ng c\u1ee7a h\u1ea1 t\u1ea7ng CIC hi\u1ec7n c\u00f3, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t h\u1ec7 th\u1ed1ng song song m\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i \u00e1p d\u1ee5ng ri\u00eang bi\u1ec7t.<\/p>\n\n\n<h2 class=\"wp-block-heading\">Thay \u0110\u1ed5i N\u00e0y N\u1eb1m \u1ede \u0110\u00e2u Trong Xu H\u01b0\u1edbng Qu\u1ea3n L\u00fd Ng\u00e2n H\u00e0ng D\u1ef1a Tr\u00ean D\u1eef Li\u1ec7u C\u1ee7a Vi\u1ec7t Nam?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111\u1ed9ng th\u00e1i ch\u00ednh s\u00e1ch \u0111\u01a1n l\u1ebb. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 li\u00ean t\u1ee5c m\u1edf r\u1ed9ng c\u00e1c y\u00eau c\u1ea7u d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o v\u00e0 c\u00f4ng b\u1ed1 th\u00f4ng tin \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong nhi\u1ec1u n\u0103m qua, m\u1ed9t xu h\u01b0\u1edbng m\u00e0 DataCore \u0111\u00e3 theo d\u00f5i trong b\u00e0i ph\u00e2n t\u00edch v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/sbv-nine-circulars-2026\/\">c\u00e1c th\u00f4ng t\u01b0 qu\u1ea3n l\u00fd g\u1ea7n \u0111\u00e2y c\u1ee7a NHNN<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eb7t trong b\u1ed1i c\u1ea3nh \u0111\u1ecbnh h\u01b0\u1edbng qu\u1ea3n l\u00fd r\u1ed9ng h\u01a1n \u0111\u00f3, k\u00eanh d\u1eef li\u1ec7u thu\u1ebf qua CIC tr\u00f4ng gi\u1ed1ng m\u1ed9t s\u1ef1 ti\u1ebfp n\u1ed1i \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a NHNN v\u1ec1 vi\u1ec7c t\u1eadp trung h\u00f3a v\u00e0 chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u m\u00e0 ng\u00e2n h\u00e0ng d\u1ef1a v\u00e0o \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh r\u1ee7i ro, h\u01a1n l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh th\u00ed \u0111i\u1ec3m \u0111\u01a1n l\u1ebb.<\/p>\n\n\n<p class=\"wp-block-paragraph\">B\u1ed1i c\u1ea3nh n\u00e0y quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1ch ng\u00e2n h\u00e0ng n\u00ean l\u1eadp k\u1ebf ho\u1ea1ch cho ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng. M\u1ed9t c\u01a1 ch\u1ebf \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o qua CIC h\u00f4m nay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng sau n\u00e0y, v\u00ed d\u1ee5 \u0111\u1ec3 bao ph\u1ee7 th\u00eam c\u00e1c nh\u00f3m ng\u01b0\u1eddi vay kh\u00e1c ho\u1eb7c th\u00eam c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u nh\u00e0 n\u01b0\u1edbc kh\u00e1c, theo c\u00e1ch m\u00e0 c\u00e1c th\u00f4ng t\u01b0 c\u1ee7a NHNN \u0111\u00e3 t\u1eebng m\u1edf r\u1ed9ng ph\u1ea1m vi b\u00e1o c\u00e1o \u1edf nh\u1eefng l\u0129nh v\u1ef1c kh\u00e1c theo th\u1eddi gian.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Xem ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng nh\u01b0 m\u1ed9t b\u1ed5 sung m\u1ed9t l\u1ea7n, thay v\u00ec b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean trong m\u1ed9t qu\u00e1 tr\u00ecnh m\u1edf r\u1ed9ng li\u00ean t\u1ee5c c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o c\u1ee7a CIC, c\u00f3 th\u1ec3 s\u1ebd \u0111\u00e1nh gi\u00e1 th\u1ea5p h\u01b0\u1edbng \u0111i th\u1ef1c s\u1ef1 c\u1ee7a xu h\u01b0\u1edbng n\u00e0y.<\/p>\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 m\u1edf r\u1ed9ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t quy t\u1eafc c\u1ed1 \u0111\u1ecbnh duy nh\u1ea5t, m\u1edbi l\u00e0 m\u1ea1ch xuy\u00ean su\u1ed1t k\u1ebft n\u1ed1i ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng qu\u1ea3n l\u00fd r\u1ed9ng h\u01a1n c\u1ee7a NHNN. Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng n\u00ean \u0111\u01b0\u1ee3c \u0111\u1ecdc trong b\u1ed1i c\u1ea3nh \u0111\u00f3, ch\u1ee9 kh\u00f4ng t\u00e1ch r\u1eddi.<\/p>\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u G\u00ec Thay \u0110\u1ed5i V\u1edbi Ch\u1ea5m \u0110i\u1ec3m T\u00edn D\u1ee5ng Thay Th\u1ebf V\u00e0 M\u1edf R\u1ed9ng T\u1ea1i Vi\u1ec7t Nam?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng thay th\u1ebf l\u00e0 th\u1ef1c h\u00e0nh r\u1ed9ng h\u01a1n c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u ngo\u00e0i h\u1ed3 s\u01a1 tr\u1ea3 n\u1ee3 vay truy\u1ec1n th\u1ed1ng, ch\u1eb3ng h\u1ea1n h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch, h\u1ed3 s\u01a1 vi\u1ec5n th\u00f4ng, l\u1ecbch s\u1eed giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, ho\u1eb7c trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 h\u1ed3 s\u01a1 thu\u1ebf, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3, \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3, c\u1ee7a xu h\u01b0\u1edbng r\u1ed9ng l\u1edbn \u0111\u00f3, v\u00e0 \u0111i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd ch\u00ednh l\u00e0 v\u00ec n\u00f3 \u0111i k\u00e8m s\u1ef1 h\u1eadu thu\u1eabn v\u1ec1 m\u1eb7t qu\u1ea3n l\u00fd th\u00f4ng qua CIC, thay v\u00ec th\u00f4ng qua m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1eef li\u1ec7u t\u01b0 nh\u00e2n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi m\u1ed9t th\u1ecb tr\u01b0\u1eddng m\u00e0 m\u1ed9t t\u1ef7 l\u1ec7 l\u1edbn doanh nghi\u1ec7p nh\u1ecf v\u00e0 c\u00e1 nh\u00e2n v\u1eabn c\u00f3 h\u1ed3 s\u01a1 m\u1ecfng t\u1ea1i c\u00e1c \u0111\u01a1n v\u1ecb th\u00f4ng tin t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng, s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00f3 mang \u00fd ngh\u0129a th\u1ef1c s\u1ef1, v\u00e0 \u0111\u00f3 l\u00e0 m\u1ed9t ph\u1ea7n l\u1edbn l\u00fd do v\u00ec sao ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng x\u1ee9ng \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd v\u01b0\u1ee3t ra ngo\u00e0i m\u1ed9t chu k\u1ef3 tin t\u1ee9c \u0111\u01a1n l\u1ebb.<\/p>\n\n\n<p class=\"wp-block-paragraph\">DataCore \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn xu h\u01b0\u1edbng r\u1ed9ng h\u01a1n n\u00e0y tr\u01b0\u1edbc \u0111\u00e2y trong b\u00e0i ph\u00e2n t\u00edch v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/alternative-credit-scoring\/\">c\u00e1c m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng thay th\u1ebf<\/a> v\u00e0 trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/vietnamese-sme-credit-data-blind-spot\/\">kho\u1ea3ng tr\u1ed1ng d\u1eef li\u1ec7u t\u00edn d\u1ee5ng c\u1ee7a SME t\u1ea1i Vi\u1ec7t Nam<\/a>. C\u01a1 ch\u1ebf d\u1eef li\u1ec7u thu\u1ebf \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 \u1edf \u0111\u00e2y kh\u1edbp tr\u1ef1c ti\u1ebfp v\u1edbi m\u00f4 h\u00ecnh \u0111\u00f3: m\u1edf r\u1ed9ng c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 th\u1ea5y, m\u00e0 kh\u00f4ng thay \u0111\u1ed5i ki\u1ebfn tr\u00fac n\u1ec1n t\u1ea3ng c\u1ee7a c\u00e1ch m\u1ed9t quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u01b0a ra.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents.jpg\" alt=\"Nh\u00e2n vi\u00ean giao d\u1ecbch ng\u00e2n h\u00e0ng xem x\u00e9t h\u1ed3 s\u01a1 vay v\u1ed1n c\u00f9ng h\u1ed3 s\u01a1 n\u1ed9p thu\u1ebf t\u1ea1i Vi\u1ec7t Nam\" class=\"wp-image-6065\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents-300x169.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents-1024x576.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents-768x432.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/bank-loan-review-documents-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">D\u1eef Li\u1ec7u \u0110\u00e1nh Gi\u00e1 T\u00edn D\u1ee5ng C\u0169 V\u00e0 M\u1edbi So S\u00e1nh Nh\u01b0 Th\u1ebf N\u00e0o?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y so s\u00e1nh c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o m\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng Vi\u1ec7t Nam th\u01b0\u1eddng ki\u1ec3m tra hi\u1ec7n nay v\u1edbi nh\u1eefng g\u00ec thay \u0111\u1ed5i, v\u00e0 nh\u1eefng g\u00ec gi\u1eef nguy\u00ean, khi ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. \u0110\u1ecdc b\u1ea3ng n\u00e0y nh\u01b0 m\u1ed9t s\u1ef1 b\u1ed5 sung, thay v\u00ec m\u1ed9t cu\u1ed9c c\u1ea3i t\u1ed5 to\u00e0n di\u1ec7n, l\u00e0 c\u00e1ch nhanh nh\u1ea5t \u0111\u1ec3 hi\u1ec3u quy m\u00f4 th\u1ef1c t\u1ebf c\u1ee7a thay \u0111\u1ed5i n\u00e0y.<\/p>\n\n\n<table><thead><tr><th>D\u1eef li\u1ec7u \u0111\u00e1nh gi\u00e1<\/th><th>T\u00ecnh tr\u1ea1ng tr\u01b0\u1edbc thay \u0111\u1ed5i<\/th><th>T\u00ecnh tr\u1ea1ng khi ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/th><\/tr><\/thead><tbody>\n<tr><td>L\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u00edn d\u1ee5ng (CIC)<\/td><td>D\u1eef li\u1ec7u ch\u00ednh, m\u1ecdi ng\u00e2n h\u00e0ng \u0111\u1ec1u d\u00f9ng<\/td><td>V\u1eabn l\u00e0 d\u1eef li\u1ec7u ch\u00ednh, kh\u00f4ng \u0111\u1ed5i<\/td><\/tr>\n<tr><td>H\u1ed3 s\u01a1 kho\u1ea3n vay v\u00e0 v\u1ee1 n\u1ee3 hi\u1ec7n c\u00f3<\/td><td>C\u00f3 s\u1eb5n qua CIC<\/td><td>C\u00f3 s\u1eb5n qua CIC, kh\u00f4ng \u0111\u1ed5i<\/td><\/tr>\n<tr><td>T\u00ecnh tr\u1ea1ng \u0111\u00f3ng v\u00e0 k\u00ea khai thu\u1ebf<\/td><td>Ch\u01b0a c\u00f3 s\u1eb5n m\u1ed9t c\u00e1ch h\u1ec7 th\u1ed1ng cho ng\u00e2n h\u00e0ng<\/td><td>D\u1eef li\u1ec7u m\u1edbi, do c\u01a1 quan thu\u1ebf chia s\u1ebb cho CIC<\/td><\/tr>\n<tr><td>L\u1ecbch s\u1eed thanh to\u00e1n ti\u1ec7n \u00edch v\u00e0 vi\u1ec5n th\u00f4ng<\/td><td>Hi\u1ebfm khi \u0111\u01b0\u1ee3c d\u00f9ng, ch\u01b0a c\u00f3 lu\u1ed3ng d\u1eef li\u1ec7u chu\u1ea9n<\/td><td>Kh\u00f4ng thu\u1ed9c ph\u1ea1m vi thay \u0111\u1ed5i c\u1ee5 th\u1ec3 n\u00e0y<\/td><\/tr>\n<tr><td>D\u1eef li\u1ec7u giao d\u1ecbch t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng<\/td><td>Ch\u1ec9 c\u00f3 \u1edf m\u1ed9t s\u1ed1 m\u00f4 h\u00ecnh fintech<\/td><td>Kh\u00f4ng thu\u1ed9c ph\u1ea1m vi thay \u0111\u1ed5i c\u1ee5 th\u1ec3 n\u00e0y<\/td><\/tr>\n<tr><td>H\u1ed3 s\u01a1 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00e0 thu nh\u1eadp<\/td><td>Y\u00eau c\u1ea7u th\u1ea9m \u0111\u1ecbnh ti\u00eau chu\u1ea9n<\/td><td>Y\u00eau c\u1ea7u th\u1ea9m \u0111\u1ecbnh ti\u00eau chu\u1ea9n, kh\u00f4ng \u0111\u1ed5i<\/td><\/tr>\n<\/tbody><\/table>\n\n\n<p class=\"wp-block-paragraph\"><strong>Thay \u0111\u1ed5i c\u1ed1t l\u00f5i mang t\u00ednh b\u1ed5 sung: t\u00ecnh tr\u1ea1ng n\u1ed9p thu\u1ebf tr\u1edf th\u00e0nh m\u1ed9t d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o m\u1edbi, \u0111\u01b0\u1ee3c chia s\u1ebb t\u1eadp trung b\u00ean c\u1ea1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, ch\u1ee9 kh\u00f4ng thay th\u1ebf cho vi\u1ec7c \u0111\u00e1nh gi\u00e1 m\u00e0 ng\u00e2n h\u00e0ng v\u1ed1n \u0111\u00e3 th\u1ef1c hi\u1ec7n.<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u N\u00e0y Tr\u00f4ng Nh\u01b0 Th\u1ebf N\u00e0o Trong Th\u1ef1c T\u1ebf?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Hai k\u1ecbch b\u1ea3n gi\u1ea3 \u0111\u1ecbnh d\u01b0\u1edbi \u0111\u00e2y cho th\u1ea5y ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u00e1c nh\u00f3m ng\u01b0\u1eddi vay kh\u00e1c nhau. C\u1ea3 hai \u0111\u1ec1u \u0111\u01b0\u1ee3c ghi r\u00f5 l\u00e0 minh h\u1ecda, d\u1ef1ng l\u00ean \u0111\u1ec3 gi\u1ea3i th\u00edch c\u01a1 ch\u1ebf, kh\u00f4ng m\u00f4 t\u1ea3 b\u1ea5t k\u1ef3 ng\u01b0\u1eddi vay, ng\u00e2n h\u00e0ng, hay kho\u1ea3n vay \u0111\u01b0\u1ee3c duy\u1ec7t n\u00e0o c\u00f3 th\u1eadt.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00ed d\u1ee5 minh h\u1ecda, kh\u00f4ng ph\u1ea3i tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1eadt:<\/strong> H\u00e3y h\u00ecnh dung m\u1ed9t ch\u1ee7 h\u1ed9 kinh doanh nh\u1ecf t\u1ea1i \u0110\u00e0 N\u1eb5ng \u0111\u00e3 \u0111i\u1ec1u h\u00e0nh m\u1ed9t c\u1eeda h\u00e0ng b\u00e1n l\u1ebb \u0111\u01b0\u1ee3c s\u00e1u n\u0103m. C\u00f4 ch\u01b0a t\u1eebng vay ng\u00e2n h\u00e0ng, n\u00ean h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng t\u1ea1i CIC c\u1ee7a c\u00f4 kh\u00e1 m\u1ecfng. Tuy nhi\u00ean, c\u00f4 \u0111\u00e3 k\u00ea khai v\u00e0 \u0111\u00f3ng thu\u1ebf kinh doanh \u0111\u00fang h\u1ea1n m\u1ed7i n\u0103m.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Theo quy tr\u00ecnh x\u00e9t duy\u1ec7t m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 \u1edf \u0111\u00e2y, m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 vay c\u1ee7a c\u00f4 c\u00f3 th\u1ec3 xem l\u1ecbch s\u1eed n\u1ed9p thu\u1ebf nh\u1ea5t qu\u00e1n \u0111\u00f3 nh\u01b0 m\u1ed9t d\u1eef li\u1ec7u t\u00edch c\u1ef1c b\u00ean c\u1ea1nh h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng m\u1ecfng c\u1ee7a c\u00f4, thay v\u00ec ch\u1ec9 coi vi\u1ec7c thi\u1ebfu l\u1ecbch s\u1eed vay v\u1ed1n l\u00e0 t\u00edn hi\u1ec7u duy nh\u1ea5t c\u00f3 s\u1eb5n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c duy\u1ec7t, v\u00e0 c\u0169ng kh\u00f4ng thay th\u1ebf c\u00e1c b\u01b0\u1edbc ki\u1ec3m tra thu nh\u1eadp, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. N\u00f3 ch\u1ec9 \u0111\u01a1n gi\u1ea3n cho ng\u00e2n h\u00e0ng th\u00eam m\u1ed9t d\u1eef li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c \u0111\u1ec3 c\u00e2n nh\u1eafc, \u0111\u00f3 ch\u00ednh l\u00e0 \u00fd ngh\u0129a th\u1ef1c t\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi vay nh\u01b0 c\u00f4: th\u00eam m\u1ed9t t\u00edn hi\u1ec7u c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb nh\u00e0 n\u01b0\u1edbc, kh\u00f4ng ph\u1ea3i m\u1ed9t l\u1ed1i t\u1eaft ph\u00ea duy\u1ec7t m\u1edbi.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00ed d\u1ee5 minh h\u1ecda th\u1ee9 hai, c\u0169ng kh\u00f4ng ph\u1ea3i tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1eadt:<\/strong> H\u00e3y h\u00ecnh dung m\u1ed9t nh\u00e0 cung c\u1ea5p s\u1ea3n xu\u1ea5t nh\u1ecf t\u1ea1i H\u1ea3i Ph\u00f2ng \u0111ang xin vay v\u1ed1n l\u01b0u \u0111\u1ed9ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ed9t \u0111\u01a1n h\u00e0ng l\u1edbn. \u0110\u01a1n v\u1ecb n\u00e0y c\u00f3 m\u1ed9t l\u1ecbch s\u1eed vay v\u1ed1n khi\u00eam t\u1ed1n t\u1ea1i CIC, v\u1edbi m\u1ed9t kho\u1ea3n vay nh\u1ecf \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u00fang h\u1ea1n hai n\u0103m tr\u01b0\u1edbc.<\/p>\n\n\n<p class=\"wp-block-paragraph\">H\u1ed3 s\u01a1 thu\u1ebf c\u1ee7a \u0111\u01a1n v\u1ecb n\u00e0y cho th\u1ea5y vi\u1ec7c \u0111\u00f3ng thu\u1ebf doanh nghi\u1ec7p \u0111\u1ec1u \u0111\u1eb7n, \u0111\u00fang h\u1ea1n trong su\u1ed1t n\u0103m n\u0103m ho\u1ea1t \u0111\u1ed9ng, k\u1ec3 c\u1ea3 trong giai \u0111o\u1ea1n doanh thu s\u1ee5t gi\u1ea3m. M\u1ed9t ng\u00e2n h\u00e0ng c\u00e2n nh\u1eafc h\u1ed3 s\u01a1 n\u00e0y theo c\u01a1 ch\u1ebf ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 xem s\u1ef1 tu\u00e2n th\u1ee7 thu\u1ebf b\u1ec1n v\u1eefng \u0111\u00f3, ngay c\u1ea3 trong n\u0103m doanh thu y\u1ebfu h\u01a1n, nh\u01b0 m\u1ed9t d\u1ea5u hi\u1ec7u c\u1ee7a k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh m\u00e0 ch\u1ec9 m\u1ed9t kho\u1ea3n vay \u0111\u00e3 tr\u1ea3 kh\u00f4ng th\u1ec3 t\u1ef1 n\u00f3 th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c.<\/p>\n\n\n<h2 class=\"wp-block-heading\">Ai Ch\u1ecbu \u1ea2nh H\u01b0\u1edfng V\u00e0 Thay \u0110\u1ed5i Ra Sao?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u00e1c \u0111\u1ed9ng kh\u00e1c nhau \u0111\u1ebfn nhi\u1ec1u nh\u00f3m kh\u00e1c nhau, v\u00e0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng theo c\u00e1ch m\u00e0 m\u1ed9t ti\u00eau \u0111\u1ec1 v\u1ec1 \"d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng m\u1edbi\" g\u1ee3i \u00fd. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e2n t\u00edch theo t\u1eebng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1eeb tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi vay \u0111\u1ebfn h\u1ea1 t\u1ea7ng c\u1ee7a c\u01a1 quan th\u00f4ng tin t\u00edn d\u1ee5ng gi\u00fap c\u01a1 ch\u1ebf n\u00e0y v\u1eadn h\u00e0nh \u0111\u01b0\u1ee3c, \u0111\u1ec3 m\u1ed7i nh\u00f3m c\u00f3 th\u1ec3 th\u1ea5y r\u00f5 \u0111i\u1ec1u g\u00ec thay \u0111\u1ed5i v\u1edbi h\u1ecd d\u01b0\u1edbi c\u01a1 ch\u1ebf ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 \u0111i\u1ec1u g\u00ec v\u1eabn gi\u1eef nguy\u00ean nh\u01b0 c\u0169.<\/p>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ng\u01b0\u1eddi vay c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi t\u1ef1 kinh doanh:<\/strong> nh\u1edd ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng m\u00e0 c\u00f3 th\u00eam m\u1ed9t c\u00e1ch \u0111\u1ec3 ch\u1ee9ng minh \u0111\u1ed9 tin c\u1eady khi l\u1ecbch s\u1eed vay v\u1ed1n ch\u00ednh th\u1ee9c c\u00f2n m\u1ecfng, mi\u1ec5n l\u00e0 vi\u1ec7c n\u1ed9p thu\u1ebf \u0111\u01b0\u1ee3c duy tr\u00ec \u0111\u1ec1u \u0111\u1eb7n.<\/li>\n<li><strong>Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME):<\/strong> \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t, v\u00ec ph\u00e2n kh\u00fac SME c\u1ee7a Vi\u1ec7t Nam t\u1eeb l\u00e2u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 kho\u1ea3ng tr\u1ed1ng d\u1eef li\u1ec7u t\u00edn d\u1ee5ng, v\u00e0 m\u1ed9t h\u1ed3 s\u01a1 tu\u00e2n th\u1ee7 thu\u1ebf t\u1ed1t c\u00f3 th\u1ec3 ph\u1ea7n n\u00e0o b\u00f9 \u0111\u1eafp cho l\u1ecbch s\u1eed vay v\u1ed1n h\u1ea1n ch\u1ebf.<\/li>\n<li><strong>Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i:<\/strong> nh\u1edd ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng m\u00e0 c\u00f3 th\u00eam m\u1ed9t t\u00edn hi\u1ec7u \u0111\u01b0\u1ee3c chia s\u1ebb t\u1eadp trung, kh\u00f4ng t\u1ed1n th\u00eam chi ph\u00ed chia s\u1ebb d\u1eef li\u1ec7u, v\u00ec CIC \u0111\u00e3 \u0111\u1ea3m nh\u1eadn lu\u1ed3ng d\u1eef li\u1ec7u thu\u1ebf thay cho h\u1ecd.<\/li>\n<li><strong>C\u00e1c c\u00f4ng ty fintech cho vay:<\/strong> c\u00f3 th\u1ec3 xem t\u00edn hi\u1ec7u thu\u1ebf \u0111\u01b0\u1ee3c CIC trung chuy\u1ec3n nh\u01b0 m\u1ed9t m\u1ed1c tham chi\u1ebfu b\u00ean c\u1ea1nh c\u00e1c m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m thay th\u1ebf c\u1ee7a ri\u00eang m\u00ecnh.<\/li>\n<li><strong>C\u00e1c \u0111\u01a1n v\u1ecb th\u00f4ng tin t\u00edn d\u1ee5ng, \u0111\u1ee9ng \u0111\u1ea7u l\u00e0 CIC:<\/strong> \u0111\u1ea3m nh\u1eadn vai tr\u00f2 t\u1ed5ng h\u1ee3p m\u1edf r\u1ed9ng h\u01a1n, l\u00e0 \u0111i\u1ec3m giao nhau gi\u1eefa d\u1eef li\u1ec7u thu\u1ebf c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u00e0 d\u1eef li\u1ec7u t\u00edn d\u1ee5ng c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow.jpg\" alt=\"S\u01a1 \u0111\u1ed3 m\u1ea1ng tr\u1eebu t\u01b0\u1ee3ng th\u1ec3 hi\u1ec7n lu\u1ed3ng d\u1eef li\u1ec7u t\u1eeb c\u01a1 quan thu\u1ebf \u0111\u1ebfn CIC r\u1ed3i \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ee5c v\u1ee5 ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng\" class=\"wp-image-6066\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow-300x169.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow-1024x576.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow-768x432.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/tax-authority-to-cic-data-flow-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Ng\u00e2n H\u00e0ng V\u00e0 Fintech C\u00f3 Th\u1ec3 Chu\u1ea9n B\u1ecb G\u00ec Cho Ng\u00e2n H\u00e0ng D\u00f9ng D\u1eef Li\u1ec7u Thu\u1ebf Ch\u1ea5m \u0110i\u1ec3m T\u00edn D\u1ee5ng?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u01b0\u1eddng k\u1ebft n\u1ed1i m\u1edbi \u0111\u1ebfn c\u01a1 quan thu\u1ebf; \u0111i\u1ec3m t\u00edch h\u1ee3p ch\u00ednh l\u00e0 CIC, n\u01a1i \u0111\u00e3 cung c\u1ea5p b\u00e1o c\u00e1o t\u00edn d\u1ee5ng m\u00e0 h\u1ea7u h\u1ebft c\u00e1c b\u00ean cho vay \u0111ang tra c\u1ee9u hi\u1ec7n nay.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Khi chu\u1ea9n b\u1ecb cho ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, c\u00f4ng vi\u1ec7c th\u1ef1c t\u1ebf n\u1eb1m \u1edf ph\u00eda th\u1ea9m \u0111\u1ecbnh: quy\u1ebft \u0111\u1ecbnh n\u00ean \u0111\u1eb7t tr\u1ecdng s\u1ed1 bao nhi\u00eau cho t\u00edn hi\u1ec7u tu\u00e2n th\u1ee7 thu\u1ebf so v\u1edbi l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 hi\u1ec7n c\u00f3, v\u00e0 \u0111\u01b0a tr\u1ecdng s\u1ed1 \u0111\u00f3 v\u00e0o m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m ho\u1eb7c h\u01b0\u1edbng d\u1eabn x\u00e9t duy\u1ec7t th\u1ee7 c\u00f4ng tr\u01b0\u1edbc khi d\u1eef li\u1ec7u b\u1eaft \u0111\u1ea7u ch\u1ea3y \u1edf quy m\u00f4 l\u1edbn.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty fintech cho vay v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u, c\u01a1 h\u1ed9i b\u1ec1n v\u1eefng h\u01a1n n\u1eb1m \u1edf kh\u1ea3 n\u0103ng t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u. M\u1ed9t c\u00f4ng ty nh\u01b0 DataCore, \u0111\u01a1n v\u1ecb k\u1ebft h\u1ee3p d\u1eef li\u1ec7u c\u00f4ng khai, d\u1eef li\u1ec7u t\u00e0i ch\u00ednh, v\u00e0 th\u00f4ng tin doanh nghi\u1ec7p ph\u1ee5c v\u1ee5 ra quy\u1ebft \u0111\u1ecbnh, c\u00f3 th\u1ec3 gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 fintech \u0111\u1eb7t t\u00edn hi\u1ec7u n\u1ed9p thu\u1ebf trong b\u1ed1i c\u1ea3nh d\u1eef li\u1ec7u \u0111\u0103ng k\u00fd doanh nghi\u1ec7p, r\u1ee7i ro theo ng\u00e0nh, v\u00e0 c\u00e1c h\u1ed3 s\u01a1 c\u00f4ng khai kh\u00e1c, thay v\u00ec coi n\u00f3 l\u00e0 m\u1ed9t d\u1eef li\u1ec7u \u0111\u01a1n l\u1ebb, t\u00e1ch bi\u1ec7t.<\/p>\n\n\n<p class=\"wp-block-paragraph\">T\u00ecm hi\u1ec3u <a href=\"https:\/\/datacore.vn\/vi\/demo\/company-trial\" target=\"_blank\" rel=\"noopener\">d\u1ecbch v\u1ee5 d\u1eef li\u1ec7u v\u00e0 ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a DataCore<\/a> \u0111\u1ec3 xem c\u00e1ch t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u n\u00e0y h\u1ed7 tr\u1ee3 c\u00e1c \u0111\u1ed9i ng\u0169 cho vay x\u00e2y d\u1ef1ng tr\u00ean nh\u1eefng d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o m\u1edf r\u1ed9ng nh\u01b0 ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u l\u00e0 ph\u1ea7n kh\u00e1c c\u1ea7n chu\u1ea9n b\u1ecb s\u1edbm. Khi d\u1eef li\u1ec7u thu\u1ebf n\u1eb1m trong h\u1ed3 s\u01a1 th\u1ea9m \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng, n\u00f3 s\u1ebd ch\u1ecbu c\u00e1c ngh\u0129a v\u1ee5 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u, l\u01b0u tr\u1eef, v\u00e0 ki\u1ec3m so\u00e1t truy c\u1eadp gi\u1ed1ng nh\u01b0 b\u1ea5t k\u1ef3 h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p nh\u1ea1y c\u1ea3m n\u00e0o kh\u00e1c.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Trong c\u01a1 ch\u1ebf ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, \u0111\u1ed9i ng\u0169 r\u1ee7i ro v\u00e0 tu\u00e2n th\u1ee7 n\u00ean x\u1eed l\u00fd tr\u01b0\u1eddng d\u1eef li\u1ec7u thu\u1ebf m\u1edbi c\u1ee7a CIC gi\u1ed1ng nh\u01b0 c\u00e1c tr\u01b0\u1eddng d\u1eef li\u1ec7u t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3: \u0111\u01b0\u1ee3c ghi log, ki\u1ec3m so\u00e1t truy c\u1eadp, v\u00e0 tu\u00e2n theo ch\u00ednh s\u00e1ch l\u01b0u tr\u1eef r\u00f5 r\u00e0ng, thay v\u00ec g\u1eafn th\u00eam m\u1ed9t c\u00e1ch kh\u00f4ng ch\u00ednh th\u1ee9c v\u00e0o h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Chu\u1ea9n b\u1ecb \u0111\u00fang l\u1edbp qu\u1ea3n tr\u1ecb n\u00e0y ngay t\u1eeb \u0111\u1ea7u l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c tri\u1ec3n khai ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m, ch\u1ee9 kh\u00f4ng ph\u1ea3i vi\u1ec7c l\u00e0m th\u00eam sau n\u00e0y. \u0110\u00e2y c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 tin c\u1eady c\u1ee7a ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng trong m\u1eaft c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic.jpg\" alt=\"B\u1ed9 bi\u1ec3u t\u01b0\u1ee3ng \u0111\u1ed3 h\u1ecda th\u00f4ng tin th\u1ec3 hi\u1ec7n c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, tu\u00e2n th\u1ee7 thu\u1ebf, v\u00e0 x\u00e1c minh danh t\u00ednh d\u00f9ng trong ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng\" class=\"wp-image-6067\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic-300x169.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic-1024x576.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic-768x432.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/credit-assessment-inputs-infographic-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/h2>\n\n\n<h3 class=\"wp-block-heading\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 g\u00ec?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 thu\u1eadt ng\u1eef ch\u1ec9 th\u1ef1c h\u00e0nh, \u0111\u01b0\u1ee3c VnExpress \u0111\u01b0a tin ng\u00e0y 23 th\u00e1ng 9 n\u0103m 2026, trong \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam s\u1eed d\u1ee5ng t\u00ecnh tr\u1ea1ng \u0111\u00f3ng v\u00e0 k\u00ea khai thu\u1ebf c\u1ee7a ng\u01b0\u1eddi vay, \u0111\u01b0\u1ee3c c\u01a1 quan thu\u1ebf chia s\u1ebb cho CIC, nh\u01b0 m\u1ed9t d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o b\u1ed5 sung b\u00ean c\u1ea1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng khi \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 vay.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Ng\u00e2n h\u00e0ng n\u00e0o \u0111ang tri\u1ec3n khai \u0111\u1ea7u ti\u00ean?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3n tin c\u1ee7a VnExpress n\u00f3i chung v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 kh\u00f4ng n\u00eau t\u00ean m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3 n\u00e0o \u0111ang th\u00ed \u0111i\u1ec3m, n\u00ean b\u00e0i vi\u1ebft n\u00e0y c\u0169ng l\u00e0m t\u01b0\u01a1ng t\u1ef1, thay v\u00ec g\u00e1n c\u01a1 ch\u1ebf n\u00e0y cho m\u1ed9t t\u1ed5 ch\u1ee9c ri\u00eang l\u1ebb.<\/p>\n\n\n<h3 class=\"wp-block-heading\">D\u1eef li\u1ec7u thu\u1ebf c\u00f3 thay th\u1ebf l\u1ecbch s\u1eed t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 t\u1ea1i CIC kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. N\u00f3 b\u1ed5 sung cho l\u1ecbch s\u1eed t\u00edn d\u1ee5ng m\u00e0 CIC \u0111\u00e3 c\u00f3 s\u1eb5n. N\u00f3i c\u00e1ch kh\u00e1c, ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u00eam m\u1ed9t d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o m\u1edbi; n\u00f3 kh\u00f4ng x\u00f3a b\u1ecf hay ghi \u0111\u00e8 l\u00ean c\u00e1c h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Ai \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb thay \u0111\u1ed5i n\u00e0y?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Trong ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, nh\u1eefng ng\u01b0\u1eddi vay c\u00f3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng m\u1ecfng ho\u1eb7c ng\u1eafn, bao g\u1ed3m ng\u01b0\u1eddi t\u1ef1 kinh doanh v\u00e0 SME, \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t, v\u00ec m\u1ed9t l\u1ecbch s\u1eed n\u1ed9p thu\u1ebf s\u1ea1ch cho h\u1ecd th\u00eam m\u1ed9t c\u00e1ch \u0111\u1ec3 ch\u1ee9ng minh \u0111\u1ed9 tin c\u1eady ngo\u00e0i l\u1ecbch s\u1eed vay v\u1ed1n h\u1ea1n ch\u1ebf.<\/p>\n\n\n<h3 class=\"wp-block-heading\">CIC \u0111\u00f3ng vai tr\u00f2 g\u00ec trong vi\u1ec7c n\u00e0y?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">CIC (Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia), c\u01a1 quan th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), l\u00e0 \u0111\u01a1n v\u1ecb ti\u1ebfp nh\u1eadn d\u1eef li\u1ec7u thu\u1ebf \u0111\u01b0\u1ee3c chia s\u1ebb. CIC \u0111\u00e3 t\u1ed5ng h\u1ee3p l\u1ecbch s\u1eed t\u00edn d\u1ee5ng cho ng\u00e2n h\u00e0ng, n\u00ean CIC tr\u1edf th\u00e0nh \u0111i\u1ec3m duy nh\u1ea5t n\u01a1i c\u1ea3 hai b\u1ed9 d\u1eef li\u1ec7u g\u1eb7p nhau trong ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n\n\n<h3 class=\"wp-block-heading\">\u0110\u00e2y c\u00f3 gi\u1ed1ng v\u1edbi ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng thay th\u1ebf d\u00f9ng d\u1eef li\u1ec7u ti\u1ec7n \u00edch hay vi\u1ec5n th\u00f4ng kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a xu h\u01b0\u1edbng r\u1ed9ng h\u01a1n v\u1ec1 m\u1edf r\u1ed9ng d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o cho t\u00edn d\u1ee5ng ngo\u00e0i l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 vay, tuy nhi\u00ean ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf t\u00ecnh tr\u1ea1ng \u0111\u00f3ng v\u00e0 k\u00ea khai thu\u1ebf \u0111\u01b0\u1ee3c chia s\u1ebb qua CIC, kh\u00f4ng bao g\u1ed3m d\u1eef li\u1ec7u ti\u1ec7n \u00edch hay vi\u1ec5n th\u00f4ng.<\/p>\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c c\u00f4ng ty fintech cho vay n\u00ean l\u00e0m g\u00ec l\u00fac n\u00e0y?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c c\u00f4ng ty fintech cho vay n\u00ean l\u00ean k\u1ebf ho\u1ea1ch v\u1ec1 c\u00e1ch c\u00e2n nh\u1eafc t\u00edn hi\u1ec7u thu\u1ebf do CIC cung c\u1ea5p b\u00ean c\u1ea1nh c\u00e1c m\u00f4 h\u00ecnh d\u1eef li\u1ec7u thay th\u1ebf c\u1ee7a ri\u00eang m\u00ecnh, v\u00e0 c\u00e2n nh\u1eafc h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u1eb7t t\u00edn hi\u1ec7u \u0111\u00f3 trong b\u1ed1i c\u1ea3nh c\u00e1c h\u1ed3 s\u01a1 c\u00f4ng khai v\u00e0 t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n\n\n<h3 class=\"wp-block-heading\">\u0110i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi vay c\u00e1 nh\u00e2n, doanh nghi\u1ec7p, hay c\u1ea3 hai?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3n tin c\u1ee7a VnExpress m\u00f4 t\u1ea3 c\u01a1 ch\u1ebf n\u00e0y theo c\u00e1ch chung, bao tr\u00f9m c\u1ea3 ng\u01b0\u1eddi vay n\u00f3i chung, n\u00ean ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 \u00e1p d\u1ee5ng cho c\u1ea3 ng\u01b0\u1eddi vay c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi vay l\u00e0 doanh nghi\u1ec7p c\u00f3 k\u00ea khai thu\u1ebf, ch\u1ee9 kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf m\u1ed9t nh\u00f3m ri\u00eang l\u1ebb.<\/p>\n\n\n<h3 class=\"wp-block-heading\">\u0110i\u1ec1u n\u00e0y li\u00ean quan th\u1ebf n\u00e0o \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng kh\u00e1c c\u1ee7a Vi\u1ec7t Nam?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">N\u00f3 n\u1eb1m trong m\u1ed9t xu h\u01b0\u1edbng r\u1ed9ng h\u01a1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 vi\u1ec7c m\u1edf r\u1ed9ng d\u1eef li\u1ec7u m\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i b\u00e1o c\u00e1o v\u00e0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh r\u1ee7i ro, m\u1ed9t xu h\u01b0\u1edbng c\u0169ng th\u1ec3 hi\u1ec7n r\u00f5 trong c\u00e1c th\u00f4ng t\u01b0 qu\u1ea3n l\u00fd g\u1ea7n \u0111\u00e2y c\u1ee7a NHNN, v\u00e0 ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 v\u00ed d\u1ee5 m\u1edbi nh\u1ea5t c\u1ee7a xu h\u01b0\u1edbng \u0111\u00f3.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i t\u1eebng ph\u1ea7n nh\u01b0ng c\u00f3 th\u1eadt, h\u01b0\u1edbng t\u1edbi m\u1ed9t th\u1ecb tr\u01b0\u1eddng cho vay nh\u00ecn xa h\u01a1n h\u1ed3 s\u01a1 kho\u1ea3n vay \u0111\u01a1n thu\u1ea7n. N\u00f3 s\u1ebd kh\u00f4ng thay th\u1ebf d\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 c\u1ee7a CIC, v\u00e0 c\u0169ng s\u1ebd kh\u00f4ng bi\u1ebfn m\u1ecdi ng\u01b0\u1eddi vay c\u00f3 h\u1ed3 s\u01a1 m\u1ecfng th\u00e0nh ng\u01b0\u1eddi \u0111\u01b0\u1ee3c duy\u1ec7t vay ngay l\u1eadp t\u1ee9c.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng n\u00f3 th\u1ef1c s\u1ef1 m\u1edf r\u1ed9ng t\u1eadp h\u1ee3p c\u00e1c t\u00edn hi\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc, v\u00e0o \u0111\u00fang l\u00fac c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u1ee7a Vi\u1ec7t Nam \u0111ang m\u1edf r\u1ed9ng nh\u1eefng g\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i b\u00e1o c\u00e1o v\u00e0 c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Khi c\u00e1c d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o c\u1ee7a CIC ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 fintech c\u00f3 kh\u1ea3 n\u0103ng t\u1ed5ng h\u1ee3p, x\u00e1c th\u1ef1c, v\u00e0 \u0111\u1eb7t d\u1eef li\u1ec7u c\u00f4ng khai c\u00f9ng d\u1eef li\u1ec7u t\u00e0i ch\u00ednh v\u00e0o \u0111\u00fang b\u1ed1i c\u1ea3nh, thay v\u00ec x\u1eed l\u00fd t\u1eebng t\u00edn hi\u1ec7u m\u1edbi m\u1ed9t c\u00e1ch t\u00e1ch bi\u1ec7t, s\u1ebd c\u00f3 v\u1ecb th\u1ebf t\u1ed1t h\u01a1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u1ea3 ng\u01b0\u1eddi vay m\u1edbi l\u1eabn ng\u01b0\u1eddi vay hi\u1ec7n h\u1eefu. T\u00ecm hi\u1ec3u c\u00e1ch <a href=\"https:\/\/datacore.vn\/vi\/demo\/company-trial\" target=\"_blank\" rel=\"noopener\">d\u1ecbch v\u1ee5 d\u1eef li\u1ec7u v\u00e0 ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a DataCore<\/a> gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh x\u00e2y d\u1ef1ng tr\u00ean nh\u1eefng ngu\u1ed3n d\u1eef li\u1ec7u \u0111ang m\u1edf r\u1ed9ng nh\u01b0 th\u1ebf n\u00e0y.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng: CIC nh\u1eadn d\u1eef li\u1ec7u thu\u1ebf t\u1eeb c\u01a1 quan thu\u1ebf, gi\u00fap ng\u00e2n h\u00e0ng th\u00eam t\u00edn hi\u1ec7u \u0111\u00e1nh gi\u00e1 r\u1ee7i ro vay n\u0103m 2026.<\/p>","protected":false},"author":19,"featured_media":6064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_uag_custom_page_level_css":"","_swt_meta_header_display":false,"_swt_meta_footer_display":false,"_swt_meta_site_title_display":false,"_swt_meta_sticky_header":false,"_swt_meta_transparent_header":false,"footnotes":""},"categories":[19],"tags":[4205,4208,4157,1405,697],"class_list":["post-6097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","tag-cham-diem-tin-dung-2-vi","tag-cic-vi","tag-dc-2026-w39-vi-vi","tag-du-lieu-tai-chinh-vi","tag-ngan-hang-viet-nam-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring.jpg",1200,675,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-300x169.jpg",300,169,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-768x432.jpg",768,432,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring.jpg",1200,675,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring.jpg",1200,675,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/09\/vietnam-bank-tax-data-credit-scoring-18x10.jpg",18,10,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"Ng\u00e2n h\u00e0ng d\u00f9ng d\u1eef li\u1ec7u thu\u1ebf ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng: CIC nh\u1eadn d\u1eef li\u1ec7u thu\u1ebf t\u1eeb c\u01a1 quan thu\u1ebf, gi\u00fap ng\u00e2n h\u00e0ng th\u00eam t\u00edn hi\u1ec7u \u0111\u00e1nh gi\u00e1 r\u1ee7i ro vay n\u0103m 2026.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/6097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/comments?post=6097"}],"version-history":[{"count":2,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/6097\/revisions"}],"predecessor-version":[{"id":6119,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/6097\/revisions\/6119"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/6064"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=6097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=6097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=6097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}