{"id":95291,"date":"2026-09-18T09:39:39","date_gmt":"2026-09-18T02:39:39","guid":{"rendered":"https:\/\/impress.vn\/?p=95291"},"modified":"2026-09-18T09:39:39","modified_gmt":"2026-09-18T02:39:39","slug":"settlement-account-la-gi","status":"publish","type":"post","link":"https:\/\/impress.vn\/en\/tin-tuc\/settlement-account-la-gi\/","title":{"rendered":"Settlement Account L\u00e0 G\u00ec? Ti\u1ec1n Li\u00ean Ng\u00e2n H\u00e0ng Th\u1ef1c S\u1ef1 N\u1eb1m \u1ede \u0110\u00e2u Khi Settlement Di\u1ec5n Ra"},"content":{"rendered":"<p>Khi m\u1ed9t giao d\u1ecbch li\u00ean ng\u00e2n h\u00e0ng &#8220;th\u00e0nh c\u00f4ng&#8221;, \u0111\u1ed9i k\u1ef9 thu\u1eadt v\u00e0 v\u1eadn h\u00e0nh th\u01b0\u1eddng nh\u00ecn v\u00e0o response code v\u00e0 s\u1ed1 d\u01b0 hi\u1ec3n th\u1ecb tr\u00ean app kh\u00e1ch h\u00e0ng r\u1ed3i coi nh\u01b0 xong. Nh\u01b0ng s\u1ed1 d\u01b0 \u0111\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t l\u1edbp s\u1ed5 s\u00e1ch do ch\u00ednh ng\u00e2n h\u00e0ng th\u00e0nh vi\u00ean qu\u1ea3n l\u00fd \u2014 n\u00f3 kh\u00f4ng ph\u1ea3i n\u01a1i gi\u00e1 tr\u1ecb th\u1eadt s\u1ef1 d\u1ecbch chuy\u1ec3n gi\u1eefa hai ng\u00e2n h\u00e0ng. N\u01a1i \u0111\u00f3 l\u00e0 <strong>settlement account<\/strong>. Hi\u1ec3u sai v\u1ecb tr\u00ed v\u00e0 b\u1ea3n ch\u1ea5t c\u1ee7a settlement account d\u1eabn t\u1edbi hai h\u1ec7 qu\u1ea3 r\u1ea5t th\u1ef1c t\u1ebf: \u0111\u00e1nh gi\u00e1 sai r\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a h\u1ec7 th\u1ed1ng, v\u00e0 kh\u00f4ng gi\u1ea3i th\u00edch \u0111\u01b0\u1ee3c v\u00ec sao v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb &#8220;kh\u00f3a&#8221; l\u1ea1i d\u00f9 giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y. B\u00e0i vi\u1ebft n\u00e0y l\u00e0m r\u00f5 settlement account l\u00e0 g\u00ec, \u0111\u1eb7t \u1edf \u0111\u00e2u, v\u00e0 nh\u1eefng \u0111\u00e1nh \u0111\u1ed5i thi\u1ebft k\u1ebf \u0111i k\u00e8m.<\/p>\n<figure class=\"wp-block-image size-full\" style=\"margin: 1.5em 0;\"><img class=\"lazyload\" decoding=\"async\" style=\"width: 100%; height: auto; display: block;\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271200%27%20height%3D%27630%27%20viewBox%3D%270%200%201200%20630%27%3E%3Crect%20width%3D%271200%27%20height%3D%27630%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/impress.vn\/wp-content\/uploads\/2026\/09\/settlement-account-impress.png\" alt=\"Settlement account l\u00e0 g\u00ec - s\u01a1 \u0111\u1ed3 minh h\u1ecda h\u1ea1 t\u1ea7ng thanh to\u00e1n Impress\" \/><\/figure>\n<h2>Settlement account l\u00e0 g\u00ec?<\/h2>\n<p>Settlement account l\u00e0 t\u00e0i kho\u1ea3n m\u00e0 m\u1ed9t th\u00e0nh vi\u00ean tham gia h\u1ec7 th\u1ed1ng thanh to\u00e1n (ho\u1eb7c m\u1ed9t h\u1ea1 t\u1ea7ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u2014 FMI) n\u1eafm gi\u1eef t\u1ea1i <strong>settlement institution<\/strong>, d\u00f9ng \u0111\u1ec3 ghi nh\u1eadn vi\u1ec7c chuy\u1ec3n giao gi\u00e1 tr\u1ecb khi settlement di\u1ec5n ra.<\/p>\n<p>\u0110\u00e2y ch\u00ednh l\u00e0 n\u01a1i b\u01b0\u1edbc &#8220;chuy\u1ec3n ti\u1ec1n&#8221; th\u1ef1c s\u1ef1 x\u1ea3y ra trong settlement: <strong>ghi N\u1ee3 t\u00e0i kho\u1ea3n b\u00ean tr\u1ea3, ghi C\u00f3 t\u00e0i kho\u1ea3n b\u00ean nh\u1eadn<\/strong>. Settlement institution c\u00f3 th\u1ec3 l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, ho\u1eb7c m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \/ FMI t\u01b0 nh\u00e2n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh.<\/p>\n<h3>Central bank money v\u00e0 commercial bank money<\/h3>\n<p>S\u1ef1 ph\u00e2n bi\u1ec7t quan tr\u1ecdng nh\u1ea5t n\u1eb1m \u1edf ch\u1ed7 ai \u0111\u00f3ng vai tr\u00f2 settlement institution:<\/p>\n<ul>\n<li><strong>Central bank money<\/strong> \u2014 n\u1ebfu settlement institution l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, settlement account l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng. R\u1ee7i ro t\u00edn d\u1ee5ng g\u1ea7n nh\u01b0 b\u1eb1ng 0, v\u00ec ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng kh\u00f4ng th\u1ec3 v\u1ee1 n\u1ee3 b\u1eb1ng \u0111\u1ed3ng n\u1ed9i t\u1ec7 c\u1ee7a ch\u00ednh m\u00ecnh.<\/li>\n<li><strong>Commercial bank money<\/strong> \u2014 n\u1ebfu settlement institution l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c FMI t\u01b0 nh\u00e2n, settlement account l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng, v\u00e0 c\u00e1c th\u00e0nh vi\u00ean ph\u1ea3i ch\u1ecbu r\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a ch\u00ednh t\u1ed5 ch\u1ee9c \u0111\u00f3.<\/li>\n<\/ul>\n<h2>V\u00ec sao l\u1ef1a ch\u1ecdn settlement account l\u1ea1i quan tr\u1ecdng<\/h2>\n<p>Lo\u1ea1i settlement account quy\u1ebft \u0111\u1ecbnh tr\u1ef1c ti\u1ebfp m\u1ee9c \u0111\u1ed9 r\u1ee7i ro t\u00edn d\u1ee5ng m\u00e0 to\u00e0n b\u1ed9 th\u00e0nh vi\u00ean trong h\u1ec7 th\u1ed1ng ph\u1ea3i g\u00e1nh. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng quy\u1ebft \u0111\u1ecbnh thi\u1ebft k\u1ebf quan tr\u1ecdng nh\u1ea5t khi x\u00e2y d\u1ef1ng ho\u1eb7c \u0111\u00e1nh gi\u00e1 m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n, v\u00e0 l\u00e0 n\u1ed9i dung tr\u1ecdng t\u00e2m c\u1ee7a <strong>Principle 9 (Money settlements)<\/strong> trong b\u1ed9 nguy\u00ean t\u1eafc CPMI-IOSCO PFMI \u2014 khuy\u1ebfn ngh\u1ecb c\u00e1c FMI n\u00ean settle b\u1eb1ng central bank money khi kh\u1ea3 thi v\u00e0 th\u1ef1c t\u1ebf, nh\u1eb1m lo\u1ea1i b\u1ecf r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n<p>N\u00f3i c\u00e1ch kh\u00e1c: hai h\u1ec7 th\u1ed1ng c\u00f3 c\u00f9ng t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd, c\u00f9ng tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng, nh\u01b0ng \u0111\u1eb7t settlement account \u1edf hai lo\u1ea1i settlement institution kh\u00e1c nhau th\u00ec h\u1ed3 s\u01a1 r\u1ee7i ro c\u1ee7a ch\u00fang kh\u00e1c nhau ho\u00e0n to\u00e0n.<\/p>\n<h2>B\u1ed1n th\u00e0nh ph\u1ea7n c\u1ea5u th\u00e0nh m\u1ed9t settlement account<\/h2>\n<ol>\n<li><strong>Settlement institution<\/strong> \u2014 t\u1ed5 ch\u1ee9c n\u01a1i settlement account \u0111\u01b0\u1ee3c m\u1edf: ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, ho\u1eb7c m\u1ed9t private settlement institution.<\/li>\n<li><strong>Prefunding (\u1ee9ng tr\u01b0\u1edbc v\u1ed1n)<\/strong> \u2014 nhi\u1ec1u h\u1ec7 th\u1ed1ng thanh to\u00e1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng fast\/instant payment, y\u00eau c\u1ea7u th\u00e0nh vi\u00ean n\u1ea1p tr\u01b0\u1edbc m\u1ed9t kho\u1ea3n ti\u1ec1n v\u00e0o settlement account tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c ph\u00e9p x\u1eed l\u00fd giao d\u1ecbch. C\u01a1 ch\u1ebf n\u00e0y \u0111\u1ea3m b\u1ea3o th\u00e0nh vi\u00ean lu\u00f4n \u0111\u1ee7 kh\u1ea3 n\u0103ng settle m\u00e0 kh\u00f4ng c\u1ea7n ch\u1edd x\u00e1c nh\u1eadn thanh kho\u1ea3n theo th\u1eddi gian th\u1ef1c.<\/li>\n<li><strong>Intraday liquidity \/ h\u1ea1n m\u1ee9c th\u1ea5u chi trong ng\u00e0y<\/strong> \u2014 v\u1edbi h\u1ec7 th\u1ed1ng RTGS, ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng th\u01b0\u1eddng c\u1ea5p h\u1ea1n m\u1ee9c th\u1ea5u chi trong ng\u00e0y (c\u00f3 th\u1ec3 y\u00eau c\u1ea7u th\u1ebf ch\u1ea5p) \u0111\u1ec3 th\u00e0nh vi\u00ean \u0111\u1ee7 thanh kho\u1ea3n settle li\u00ean t\u1ee5c.<\/li>\n<li><strong>T\u01b0\u01a1ng t\u00e1c v\u1edbi d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/strong> \u2014 khi settlement institution l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, settlement account c\u00f3 th\u1ec3 tr\u00f9ng ho\u1eb7c li\u00ean quan t\u1edbi t\u00e0i kho\u1ea3n d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, t\u00f9y khung ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a t\u1eebng qu\u1ed1c gia.<\/li>\n<\/ol>\n<h3>Prefunding gi\u1ea3i th\u00edch ngh\u1ecbch l\u00fd &#8220;t\u1ee9c th\u1eddi nh\u01b0ng v\u1eabn theo chu k\u1ef3&#8221;<\/h3>\n<p>Prefunding l\u00e0 m\u1ea3nh gh\u00e9p gi\u1ea3i th\u00edch v\u00ec sao kh\u00e1ch h\u00e0ng nh\u1eadn ti\u1ec1n trong v\u00e0i gi\u00e2y, trong khi settlement li\u00ean ng\u00e2n h\u00e0ng ph\u00eda sau v\u1eabn c\u00f3 th\u1ec3 ch\u1ea1y theo chu k\u1ef3 (deferred). V\u00ec th\u00e0nh vi\u00ean \u0111\u00e3 n\u1ea1p v\u1ed1n tr\u01b0\u1edbc, h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 cho ph\u00e9p giao d\u1ecbch \u0111i ngay m\u00e0 kh\u00f4ng c\u1ea7n ch\u1edd settlement th\u1eadt s\u1ef1 ho\u00e0n t\u1ea5t. \u0110\u00e2y c\u0169ng l\u00e0 l\u00fd do kh\u00f4ng n\u00ean suy ra m\u00f4 h\u00ecnh settlement t\u1eeb t\u1ed1c \u0111\u1ed9 m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea3m nh\u1eadn \u2014 ch\u1ee7 \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch k\u1ef9 trong b\u00e0i <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/rtgs-va-dns-mo-hinh-settlement-lien-ngan-hang\/\">RTGS v\u00e0 DNS: v\u00ec sao &#8220;chuy\u1ec3n ti\u1ec1n nhanh&#8221; kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi settlement t\u1ee9c th\u1eddi<\/a>.<\/p>\n<h2>Settlement account v\u1eadn h\u00e0nh ra sao trong th\u1ef1c t\u1ebf<\/h2>\n<ol>\n<li>Th\u00e0nh vi\u00ean m\u1edf settlement account t\u1ea1i settlement institution do h\u1ec7 th\u1ed1ng ch\u1ec9 \u0111\u1ecbnh \u2014 th\u01b0\u1eddng l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng gi\u00e1 tr\u1ecb l\u1edbn, ho\u1eb7c m\u1ed9t ng\u00e2n h\u00e0ng\/FMI trung gian v\u1edbi h\u1ec7 th\u1ed1ng t\u01b0 nh\u00e2n.<\/li>\n<li>T\u00f9y m\u00f4 h\u00ecnh, th\u00e0nh vi\u00ean ph\u1ea3i prefund (n\u1ea1p tr\u01b0\u1edbc s\u1ed1 d\u01b0) settlement account, ho\u1eb7c \u0111\u01b0\u1ee3c c\u1ea5p h\u1ea1n m\u1ee9c th\u1ea5u chi trong ng\u00e0y.<\/li>\n<li>Khi settlement di\u1ec5n ra \u2014 gross theo th\u1eddi gian th\u1ef1c ho\u1eb7c net theo chu k\u1ef3 \u2014 gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c ghi N\u1ee3\/C\u00f3 tr\u1ef1c ti\u1ebfp tr\u00ean settlement account t\u1ea1i settlement institution.<\/li>\n<li>S\u1ed1 d\u01b0 settlement account ph\u1ea3n \u00e1nh v\u1ecb th\u1ebf th\u1ef1c t\u1ebf c\u1ee7a th\u00e0nh vi\u00ean t\u1ea1i settlement institution. <strong>\u0110\u00e2y kh\u00f4ng ph\u1ea3i s\u1ed1 d\u01b0 m\u00e0 kh\u00e1ch h\u00e0ng cu\u1ed1i nh\u00ecn th\u1ea5y tr\u00ean app ng\u00e2n h\u00e0ng<\/strong> \u2014 \u0111\u00f3 l\u00e0 m\u1ed9t l\u1edbp s\u1ed5 s\u00e1ch kh\u00e1c, do ch\u00ednh ng\u00e2n h\u00e0ng th\u00e0nh vi\u00ean qu\u1ea3n l\u00fd.<\/li>\n<\/ol>\n<p>\u0110i\u1ec3m s\u1ed1 4 l\u00e0 ch\u1ed7 hay b\u1ecb nh\u1ea7m nh\u1ea5t khi \u0111\u1ed9i v\u1eadn h\u00e0nh \u0111\u1ed1i chi\u1ebfu s\u1ed1 li\u1ec7u: hai l\u1edbp s\u1ed5 s\u00e1ch n\u00e0y kh\u00f4ng c\u00f9ng m\u1ed9t th\u1ee9 v\u00e0 kh\u00f4ng nh\u1ea5t thi\u1ebft kh\u1edbp nhau t\u1ea1i m\u1ecdi th\u1eddi \u0111i\u1ec3m trong ng\u00e0y. \u0110\u1ec3 h\u00ecnh dung \u0111\u1ea7y \u0111\u1ee7 v\u1ecb tr\u00ed c\u1ee7a b\u01b0\u1edbc settlement trong to\u00e0n b\u1ed9 lu\u1ed3ng, c\u00f3 th\u1ec3 tham kh\u1ea3o b\u00e0i <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/vong-doi-giao-dich-thanh-toan\/\">v\u00f2ng \u0111\u1eddi m\u1ed9t giao d\u1ecbch thanh to\u00e1n<\/a>.<\/p>\n<h2>\u00c1p d\u1ee5ng khi \u0111\u00e1nh gi\u00e1 m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee5 th\u1ec3<\/h2>\n<p>Khi ph\u00e2n t\u00edch m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n b\u1ea5t k\u1ef3, ba c\u00e2u h\u1ecfi v\u1ec1 settlement account c\u1ea7n \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi tr\u01b0\u1edbc khi k\u1ebft lu\u1eadn h\u1ec7 th\u1ed1ng \u0111\u00f3 an to\u00e0n hay r\u1ee7i ro:<\/p>\n<ul>\n<li>Settlement account \u0111\u1eb7t \u1edf \u0111\u00e2u \u2014 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng hay m\u1ed9t t\u1ed5 ch\u1ee9c trung gian?<\/li>\n<li>H\u1ec7 th\u1ed1ng c\u00f3 y\u00eau c\u1ea7u prefunding kh\u00f4ng?<\/li>\n<li>Settlement d\u00f9ng central bank money hay commercial bank money?<\/li>\n<\/ul>\n<p>\u0110\u00e2y l\u00e0 nh\u1eefng c\u00e2u h\u1ecfi ki\u1ebfn tr\u00fac c\u1ed1t l\u00f5i, nh\u01b0ng th\u01b0\u1eddng <strong>kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 r\u1ed9ng r\u00e3i<\/strong> \u2014 c\u1ea7n tra c\u1ee9u t\u00e0i li\u1ec7u v\u1eadn h\u00e0nh ch\u00ednh th\u1ee9c c\u1ee7a t\u1eebng h\u1ec7 th\u1ed1ng thay v\u00ec suy \u0111o\u00e1n.<\/p>\n<h2>R\u1ee7i ro v\u00e0 c\u00e1c t\u00ecnh hu\u1ed1ng ngo\u1ea1i l\u1ec7 c\u1ea7n l\u01b0u \u00fd<\/h2>\n<ul>\n<li><strong>R\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a settlement institution.<\/strong> N\u1ebfu settlement account d\u00f9ng commercial bank money, c\u00e1c th\u00e0nh vi\u00ean ch\u1ecbu r\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a ch\u00ednh t\u1ed5 ch\u1ee9c \u0111\u00f3 \u2014 kh\u00e1c bi\u1ec7t c\u0103n b\u1ea3n so v\u1edbi central bank money v\u1ed1n g\u1ea7n nh\u01b0 phi r\u1ee7i ro t\u00edn d\u1ee5ng.<\/li>\n<li><strong>Chi ph\u00ed c\u01a1 h\u1ed9i c\u1ee7a prefunding.<\/strong> Prefunding cho ph\u00e9p tr\u1ea3i nghi\u1ec7m t\u1ee9c th\u1eddi nh\u01b0ng bu\u1ed9c th\u00e0nh vi\u00ean kh\u00f3a v\u1ed1n. \u0110\u00e2y l\u00e0 \u0111\u00e1nh \u0111\u1ed5i thanh kho\u1ea3n c\u1ea7n c\u00e2n nh\u1eafc r\u00f5 r\u00e0ng khi thi\u1ebft k\u1ebf h\u1ec7 th\u1ed1ng fast payment, kh\u00f4ng ph\u1ea3i m\u1ed9t chi ph\u00ed k\u1ef9 thu\u1eadt thu\u1ea7n t\u00fay.<\/li>\n<li><strong>Kh\u00f4ng suy \u0111o\u00e1n khi thi\u1ebfu ngu\u1ed3n.<\/strong> Kh\u00f4ng k\u1ebft lu\u1eadn lo\u1ea1i settlement account c\u1ee5 th\u1ec3 (central bank money hay commercial bank money, c\u00f3 prefund hay kh\u00f4ng) c\u1ee7a m\u1ed9t h\u1ec7 th\u1ed1ng n\u1ebfu ch\u01b0a c\u00f3 ngu\u1ed3n c\u00f4ng khai x\u00e1c nh\u1eadn.<\/li>\n<\/ul>\n<h2>Ngu\u1ed3n tham kh\u1ea3o<\/h2>\n<ul>\n<li>CPMI-IOSCO \u2014 Principles for Financial Market Infrastructures (PFMI), Principle 9: Money settlements<\/li>\n<li>BIS CPMI \u2014 <a href=\"https:\/\/www.bis.org\/cpmi\/publ\/d154.pdf\" target=\"_blank\" rel=\"noopener\">Fast payments \u2013 Enhancing the speed and availability of retail payments<\/a><\/li>\n<\/ul>\n<h2>K\u1ebft lu\u1eadn<\/h2>\n<p>Settlement account l\u00e0 n\u01a1i gi\u00e1 tr\u1ecb th\u1eadt s\u1ef1 d\u1ecbch chuy\u1ec3n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng, v\u00e0 ba bi\u1ebfn s\u1ed1 \u2014 settlement institution, lo\u1ea1i ti\u1ec1n settlement, c\u01a1 ch\u1ebf prefunding \u2014 quy\u1ebft \u0111\u1ecbnh h\u1ed3 s\u01a1 r\u1ee7i ro v\u00e0 chi ph\u00ed v\u1ed1n c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng. \u0110\u00e2y l\u00e0 l\u1edbp ki\u1ebfn th\u1ee9c n\u1ec1n c\u1ea7n n\u1eafm tr\u01b0\u1edbc khi \u0111\u00e1nh gi\u00e1 b\u1ea5t k\u1ef3 h\u1ea1 t\u1ea7ng thanh to\u00e1n n\u00e0o.<\/p>\n<p><strong>Impress Co. \u0111\u1ed3ng h\u00e0nh c\u00f9ng ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01a1n v\u1ecb v\u1eadn h\u00e0nh ATM\/POS trong vi\u1ec7c t\u1ed1i \u01b0u h\u1ea1 t\u1ea7ng thanh to\u00e1n v\u00e0 x\u1eed l\u00fd ti\u1ec1n m\u1eb7t. Li\u00ean h\u1ec7 t\u01b0 v\u1ea5n: <a href=\"https:\/\/impress.vn\/en\/\">impress.vn<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Khi m\u1ed9t giao d\u1ecbch li\u00ean ng\u00e2n h\u00e0ng &#8220;th\u00e0nh c\u00f4ng&#8221;, \u0111\u1ed9i  [&#8230;]<\/p>","protected":false},"author":2,"featured_media":95292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[441],"tags":[],"class_list":["post-95291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-thanh-toan"],"_links":{"self":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95291","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/comments?post=95291"}],"version-history":[{"count":1,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95291\/revisions"}],"predecessor-version":[{"id":95293,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95291\/revisions\/95293"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media\/95292"}],"wp:attachment":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media?parent=95291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/categories?post=95291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/tags?post=95291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}