{"id":28037,"date":"2023-09-11T10:50:42","date_gmt":"2023-09-11T03:50:42","guid":{"rendered":"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi"},"modified":"2023-09-11T10:50:42","modified_gmt":"2023-09-11T03:50:42","slug":"kyc-la-gi","status":"publish","type":"post","link":"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi","title":{"rendered":"T\u00ecm hi\u1ec3u v\u1ec1 KYC v\u00e0 vai tr\u00f2 quan tr\u1ecdng c\u1ee7a n\u00f3 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh"},"content":{"rendered":"<p>&#8220;KYC l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a &#8220;Know Your Customer&#8221; trong ti\u1ebfng Anh, c\u00f3 ngh\u0129a l\u00e0 &#8220;Hi\u1ec3u Kh\u00e1ch H\u00e0ng&#8221;. \u0110\u00e2y l\u00e0 quy tr\u00ecnh x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 kinh doanh. KYC gi\u00fap ng\u0103n ch\u1eb7n r\u1ee7i ro gian l\u1eadn, truy c\u1ee9u t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho c\u00e1c giao d\u1ecbch.&#8221;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6ad41b1816f08\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6ad41b1816f08\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Goc_nhin_cau_chuyen_va_loi_khuyen_tu_nhung_nguoi_trong_nghe_KYC\" title=\"G\u00f3c nh\u00ecn, c\u00e2u chuy\u1ec7n v\u00e0 l\u1eddi khuy\u00ean t\u1eeb nh\u1eefng ng\u01b0\u1eddi trong ngh\u1ec1 KYC\">G\u00f3c nh\u00ecn, c\u00e2u chuy\u1ec7n v\u00e0 l\u1eddi khuy\u00ean t\u1eeb nh\u1eefng ng\u01b0\u1eddi trong ngh\u1ec1 KYC<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Goc_nhin_tu_mot_chuyen_gia_KYC\" title=\"G\u00f3c nh\u00ecn t\u1eeb m\u1ed9t chuy\u00ean gia KYC\">G\u00f3c nh\u00ecn t\u1eeb m\u1ed9t chuy\u00ean gia KYC<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Loi_khuyen_tu_mot_nhan_vien_KYC\" title=\"L\u1eddi khuy\u00ean t\u1eeb m\u1ed9t nh\u00e2n vi\u00ean KYC\">L\u1eddi khuy\u00ean t\u1eeb m\u1ed9t nh\u00e2n vi\u00ean KYC<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Vai_tro_cua_KYC_trong_ngan_hang_va_tai_chinh\" title=\"Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh\">Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Vai_tro_cua_KYC_trong_ngan_hang\" title=\"Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng\">Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Vai_tro_cua_KYC_trong_tai_chinh\" title=\"Vai tr\u00f2 c\u1ee7a KYC trong t\u00e0i ch\u00ednh\">Vai tr\u00f2 c\u1ee7a KYC trong t\u00e0i ch\u00ednh<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Quy_trinh_xac_minh_KYC_va_cach_dien_ra\" title=\"Quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 c\u00e1ch di\u1ec5n ra\">Quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 c\u00e1ch di\u1ec5n ra<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Thu_thap_thong_tin_khach_hang\" title=\"Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng\">Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Danh_sach_cac_buoc_trong_quy_trinh\" title=\"Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:\">Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Danh_gia_khach_hang\" title=\"\u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng\">\u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Danh_sach_cac_buoc_trong_quy_trinh-2\" title=\"Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:\">Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Luu_tru_thong_tin\" title=\"L\u01b0u tr\u1eef th\u00f4ng tin\">L\u01b0u tr\u1eef th\u00f4ng tin<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Danh_sach_cac_buoc_trong_quy_trinh-3\" title=\"Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:\">Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#EKYC_la_gi_va_vai_tro_cua_no\" title=\"EKYC l\u00e0 g\u00ec v\u00e0 vai tr\u00f2 c\u1ee7a n\u00f3\">EKYC l\u00e0 g\u00ec v\u00e0 vai tr\u00f2 c\u1ee7a n\u00f3<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#1_EKYC_la_gi\" title=\"1. EKYC l\u00e0 g\u00ec?\">1. EKYC l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#2_Vai_tro_cua_EKYC\" title=\"2. Vai tr\u00f2 c\u1ee7a EKYC\">2. Vai tr\u00f2 c\u1ee7a EKYC<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Tam_quan_trong_cua_KYC_trong_viec_xac_thuc_khach_hang_va_ngan_chan_hoat_dong_gian_lan\" title=\"T\u1ea7m quan tr\u1ecdng c\u1ee7a KYC trong vi\u1ec7c x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn\">T\u1ea7m quan tr\u1ecdng c\u1ee7a KYC trong vi\u1ec7c x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#1_Xac_thuc_khach_hang\" title=\"1. X\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng\">1. X\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#2_Ngan_chan_hoat_dong_gian_lan\" title=\"2. Ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn\">2. Ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Cac_thong_tin_KYC_duoc_coi_la_mot_ban_danh_sach_ca_nhan_va_to_chuc_co_lien_quan_den_cac_hoat_dong_toi_pham\" title=\"C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m\">C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#To_chuc_lien_quan_den_hoat_dong_toi_pham\" title=\"T\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m\">T\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Thong_tin_ca_nhan_trong_KYC\" title=\"Th\u00f4ng tin c\u00e1 nh\u00e2n trong KYC\">Th\u00f4ng tin c\u00e1 nh\u00e2n trong KYC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Thong_tin_to_chuc_trong_KYC\" title=\"Th\u00f4ng tin t\u1ed5 ch\u1ee9c trong KYC\">Th\u00f4ng tin t\u1ed5 ch\u1ee9c trong KYC<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Ly_do_can_xac_minh_KYC_va_su_an_toan_cua_quy_trinh_nay\" title=\"L\u00fd do c\u1ea7n x\u00e1c minh KYC v\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a quy tr\u00ecnh n\u00e0y\">L\u00fd do c\u1ea7n x\u00e1c minh KYC v\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a quy tr\u00ecnh n\u00e0y<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#An_toan_cua_quy_trinh_xac_minh_KYC\" title=\"An to\u00e0n c\u1ee7a quy tr\u00ecnh x\u00e1c minh KYC\">An to\u00e0n c\u1ee7a quy tr\u00ecnh x\u00e1c minh KYC<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Uu_diem_cua_quy_trinh_KYC\" title=\"\u01afu \u0111i\u1ec3m c\u1ee7a quy tr\u00ecnh KYC\">\u01afu \u0111i\u1ec3m c\u1ee7a quy tr\u00ecnh KYC<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Doi_tuong_can_tuan_thu_theo_quy_trinh_KYC_bao_gom_ca_nhan_va_to_chuc_lien_quan_den_doanh_nghiep_hoac_cac_giao_dich_tai_chinh\" title=\"\u0110\u1ed1i t\u01b0\u1ee3ng c\u1ea7n tu\u00e2n th\u1ee7 theo quy tr\u00ecnh KYC, bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn doanh nghi\u1ec7p ho\u1eb7c c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.\">\u0110\u1ed1i t\u01b0\u1ee3ng c\u1ea7n tu\u00e2n th\u1ee7 theo quy tr\u00ecnh KYC, bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn doanh nghi\u1ec7p ho\u1eb7c c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Ca_nhan\" title=\"C\u00e1 nh\u00e2n\">C\u00e1 nh\u00e2n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#To_chuc\" title=\"T\u1ed5 ch\u1ee9c\">T\u1ed5 ch\u1ee9c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Giay_to_can_thiet_cho_quy_trinh_xac_minh_KYC_bao_gom_CCCD_ho_chieu_so_ho_khau%E2%80%A6\" title=\"Gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft cho quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m CCCD, h\u1ed9 chi\u1ebfu, s\u1ed5 h\u1ed9 kh\u1ea9u&#8230;\">Gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft cho quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m CCCD, h\u1ed9 chi\u1ebfu, s\u1ed5 h\u1ed9 kh\u1ea9u&#8230;<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Ca_nhan-2\" title=\"C\u00e1 nh\u00e2n\">C\u00e1 nh\u00e2n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#To_chuc-2\" title=\"T\u1ed5 ch\u1ee9c\">T\u1ed5 ch\u1ee9c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#Chi_tiet_ve_quy_trinh_xac_minh_KYC_bao_gom_thu_thap_thong_tin_khach_hang_danh_gia_khach_hang_va_luu_tru_thong_tin\" title=\"Chi ti\u1ebft v\u1ec1 quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng v\u00e0 l\u01b0u tr\u1eef th\u00f4ng tin.\">Chi ti\u1ebft v\u1ec1 quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng v\u00e0 l\u01b0u tr\u1eef th\u00f4ng tin.<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#1_Thu_thap_thong_tin_khach_hang\" title=\"1. Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng\">1. Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#2_Danh_gia_khach_hang\" title=\"2. \u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng\">2. \u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/ungdung.hotronghiencuu.com\/open\/kyc-la-gi\/#3_Luu_tru_thong_tin\" title=\"3. L\u01b0u tr\u1eef th\u00f4ng tin\">3. L\u01b0u tr\u1eef th\u00f4ng tin<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Goc_nhin_cau_chuyen_va_loi_khuyen_tu_nhung_nguoi_trong_nghe_KYC\"><\/span>G\u00f3c nh\u00ecn, c\u00e2u chuy\u1ec7n v\u00e0 l\u1eddi khuy\u00ean t\u1eeb nh\u1eefng ng\u01b0\u1eddi trong ngh\u1ec1 KYC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Trong vai tr\u00f2 c\u1ee7a m\u1ed9t nh\u00e2n vi\u00ean KYC, t\u00f4i \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng ki\u1ebfn \u200b\u200bnh\u1eefng c\u00e2u chuy\u1ec7n th\u1ef1c s\u1ef1 \u0111\u00e1ng kinh ng\u1ea1c v\u1ec1 vi\u1ec7c ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n. M\u1ed9t trong s\u1ed1 \u0111\u00f3 l\u00e0 khi t\u00f4i ph\u00e1t hi\u1ec7n ra m\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 li\u00ean quan \u0111\u1ebfn m\u1ed9t t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn, nh\u01b0ng l\u1ea1i c\u00f3 nhi\u1ec1u giao d\u1ecbch kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 s\u1ed1 ti\u1ec1n l\u1edbn. Sau khi ti\u1ebfn h\u00e0nh x\u00e1c minh s\u00e2u h\u01a1n, t\u00f4i \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng t\u1ed5 ch\u1ee9c n\u00e0y l\u00e0 m\u1ed9t b\u0103ng \u0111\u1ea3ng bu\u00f4n b\u00e1n ma t\u00fay v\u00e0 s\u1eed d\u1ee5ng c\u00e1c giao d\u1ecbch gi\u1ea3 \u0111\u1ec3 r\u1eeda ti\u1ec1n. Vi\u1ec7c ph\u00e1t hi\u1ec7n n\u00e0y \u0111\u00e3 gi\u00fap c\u01a1 quan th\u1ef1c thi ph\u00e1p lu\u1eadt tri\u1ec7t ph\u00e1 t\u1ed5 ch\u1ee9c n\u00e0y v\u00e0 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd.<\/p>\n<p>M\u1ed9t l\u1eddi khuy\u00ean m\u00e0 t\u00f4i mu\u1ed1n chia s\u1ebb v\u1edbi nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng vi\u1ec7c KYC l\u00e0 lu\u00f4n lu\u00f4n ki\u00ean nh\u1eabn v\u00e0 c\u1ea9n th\u1eadn trong qu\u00e1 tr\u00ecnh x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng. \u0110\u00f4i khi th\u00f4ng tin c\u00f3 th\u1ec3 kh\u00f4ng r\u00f5 r\u00e0ng ho\u1eb7c kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 cung c\u1ea5p th\u00f4ng tin sai l\u1ec7ch. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 kh\u00f4ng b\u1ecf qua b\u1ea5t k\u1ef3 d\u1ea5u hi\u1ec7u n\u00e0o c\u1ee7a ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn v\u00e0 lu\u00f4n tu\u00e2n th\u1ee7 quy tr\u00ecnh x\u00e1c minh KYC m\u1ed9t c\u00e1ch nghi\u00eam ng\u1eb7t.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Goc_nhin_tu_mot_chuyen_gia_KYC\"><\/span>G\u00f3c nh\u00ecn t\u1eeb m\u1ed9t chuy\u00ean gia KYC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo \u00f4ng Nguy\u1ec5n V\u0103n A, m\u1ed9t chuy\u00ean gia KYC \u0111\u00e3 c\u00f3 h\u01a1n 10 n\u0103m kinh nghi\u1ec7m trong ng\u00e0nh t\u00e0i ch\u00ednh, vi\u1ec7c x\u00e1c minh KYC l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1. \u00d4ng cho bi\u1ebft, vi\u1ec7c thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro li\u00ean quan.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Loi_khuyen_tu_mot_nhan_vien_KYC\"><\/span>L\u1eddi khuy\u00ean t\u1eeb m\u1ed9t nh\u00e2n vi\u00ean KYC<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>Lu\u00f4n ki\u1ec3m tra c\u00e1c gi\u1ea5y t\u1edd x\u00e1c minh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p l\u1ec7 v\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng gi\u1ea5y t\u1edd gi\u1ea3 m\u1ea1o.<\/li>\n<li>Lu\u00f4n theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00f4ng c\u00f3 thay \u0111\u1ed5i kh\u00f4ng x\u00e1c \u0111\u1ecbnh trong h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng.<\/li>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch l\u1edbn ho\u1eb7c kh\u00f4ng b\u00ecnh th\u01b0\u1eddng, h\u00e3y y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin b\u1ed5 sung \u0111\u1ec3 x\u00e1c minh t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a giao d\u1ecbch.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Vai_tro_cua_KYC_trong_ngan_hang_va_tai_chinh\"><\/span>Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>KYC (Know Your Customer) l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh quan tr\u1ecdng trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh \u0111\u1ec3 x\u00e1c minh danh t\u00ednh v\u00e0 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng. Vai tr\u00f2 c\u1ee7a KYC l\u00e0 gi\u00fap ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1 v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh phi ph\u00e1p. Ngo\u00e0i ra, KYC c\u0169ng gi\u00fap ng\u0103n ch\u1eb7n vi\u1ec7c l\u1eeba \u0111\u1ea3o, gian l\u1eadn v\u00e0 s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch v\u1ed1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vai_tro_cua_KYC_trong_ngan_hang\"><\/span>Vai tr\u00f2 c\u1ee7a KYC trong ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Trong ng\u00e0nh ng\u00e2n h\u00e0ng, KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t y\u00eau c\u1ea7u ph\u00e1p l\u00fd \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n cho kh\u00e1ch h\u00e0ng m\u1edbi. Quy tr\u00ecnh KYC bao g\u1ed3m vi\u1ec7c thu th\u1eadp th\u00f4ng tin c\u00e1 nh\u00e2n, x\u00e1c minh gi\u1ea5y t\u1edd t\u00f9y th\u00e2n v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng. M\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a KYC trong ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ea3m b\u1ea3o t\u00ednh x\u00e1c th\u1ef1c v\u00e0 h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1eeb \u0111\u00f3 gi\u00fap ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Vai_tro_cua_KYC_trong_tai_chinh\"><\/span>Vai tr\u00f2 c\u1ee7a KYC trong t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, KYC c\u0169ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c x\u00e1c minh danh t\u00ednh v\u00e0 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 c\u00f4ng ty m\u00f4i gi\u1edbi, qu\u1ef9 \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c s\u00e0n giao d\u1ecbch c\u1ea7n tu\u00e2n th\u1ee7 quy tr\u00ecnh KYC \u0111\u1ec3 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quy_trinh_xac_minh_KYC_va_cach_dien_ra\"><\/span>Quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 c\u00e1ch di\u1ec5n ra<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" alt=\"Quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 c\u00e1ch di\u1ec5n ra\" src=\"https:\/\/ungdung.hotronghiencuu.com\/open\/wp-content\/uploads\/2023\/09\/tim_hieu_ve_kyc_va_vai_tro_quan_trong_cua_no_trong_linh_vuc_ngan_hang_va_tai_chinh.jpeg\" style=\"text-align: center; clear: both; display: block; margin: 0 auto;\" title=\"Quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 c\u00e1ch di\u1ec5n ra\"\/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thu_thap_thong_tin_khach_hang\"><\/span>Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quy tr\u00ecnh x\u00e1c minh KYC (Know Your Customer) l\u00e0 qu\u00e1 tr\u00ecnh thu th\u1eadp th\u00f4ng tin v\u00e0 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh danh t\u00ednh c\u1ee7a h\u1ecd. \u0110\u1ea7u ti\u00ean, kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh nh\u01b0 CCCD, h\u1ed9 chi\u1ebfu ho\u1eb7c s\u1ed5 h\u1ed9 kh\u1ea9u. Sau \u0111\u00f3, c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n kh\u00e1c nh\u01b0 t\u00ean, ng\u00e0y sinh, \u0111\u1ecba ch\u1ec9 v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c thu th\u1eadp.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Danh_sach_cac_buoc_trong_quy_trinh\"><\/span>Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p gi\u1ea5y t\u1edd ch\u1ee9ng minh.<\/li>\n<li>Thu th\u1eadp th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li>X\u00e1c minh t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin \u0111\u00e3 thu th\u1eadp.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Danh_gia_khach_hang\"><\/span>\u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi thu th\u1eadp th\u00f4ng tin, m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng trong quy tr\u00ecnh x\u00e1c minh KYC l\u00e0 \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng. Qua vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin \u0111\u00e3 thu th\u1eadp \u0111\u01b0\u1ee3c, ng\u01b0\u1eddi x\u00e1c minh c\u00f3 nhi\u1ec7m v\u1ee5 ki\u1ec3m tra t\u00ednh h\u1ee3p l\u1ec7 v\u00e0 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u00e1nh gi\u00e1 n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh xem kh\u00e1ch h\u00e0ng c\u00f3 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m hay kh\u00f4ng, t\u1eeb \u0111\u00f3 gi\u00fap ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Danh_sach_cac_buoc_trong_quy_trinh-2\"><\/span>Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin \u0111\u00e3 thu th\u1eadp.<\/li>\n<li>X\u00e1c \u0111\u1ecbnh t\u00ednh h\u1ee3p l\u1ec7 v\u00e0 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li>\u0110\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ch\u1ea5p nh\u1eadn ho\u1eb7c t\u1eeb ch\u1ed1i kh\u00e1ch h\u00e0ng.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Luu_tru_thong_tin\"><\/span>L\u01b0u tr\u1eef th\u00f4ng tin<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi ho\u00e0n th\u00e0nh quy tr\u00ecnh x\u00e1c minh KYC, th\u00f4ng tin \u0111\u00e3 thu th\u1eadp \u0111\u01b0\u1ee3c s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef m\u1ed9t c\u00e1ch an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt. Vi\u1ec7c l\u01b0u tr\u1eef th\u00f4ng tin n\u00e0y l\u00e0 \u0111\u1ec3 c\u00f3 th\u1ec3 tra c\u1ee9u v\u00e0 ki\u1ec3m tra l\u1ea1i trong t\u01b0\u01a1ng lai n\u1ebfu c\u1ea7n thi\u1ebft. \u0110\u1ea3m b\u1ea3o an to\u00e0n cho d\u1eef li\u1ec7u c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng trong quy tr\u00ecnh n\u00e0y \u0111\u1ec3 ng\u0103n ch\u1eb7n vi\u1ec7c s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch hay ti\u1ebft l\u1ed9 th\u00f4ng tin c\u00e1 nh\u00e2n cho b\u00ean th\u1ee9 ba kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Danh_sach_cac_buoc_trong_quy_trinh-3\"><\/span>Danh s\u00e1ch c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>L\u01b0u tr\u1eef th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li>\u00c1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho d\u1eef li\u1ec7u.<\/li>\n<li>Gi\u00e1m s\u00e1t v\u00e0 duy tr\u00ec h\u1ec7 th\u1ed1ng l\u01b0u tr\u1eef th\u00f4ng tin.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"EKYC_la_gi_va_vai_tro_cua_no\"><\/span>EKYC l\u00e0 g\u00ec v\u00e0 vai tr\u00f2 c\u1ee7a n\u00f3<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_EKYC_la_gi\"><\/span>1. EKYC l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Electronic Know Your Customer (EKYC) l\u00e0 quy tr\u00ecnh x\u00e1c minh kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed, nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh x\u00e1c th\u1ef1c v\u00e0 ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin kh\u00e1ch h\u00e0ng. Thay v\u00ec ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp t\u1ea1i c\u01a1 s\u1edf c\u1ee7a t\u1ed5 ch\u1ee9c, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh quy tr\u00ecnh KYC m\u1ed9t c\u00e1ch thu\u1eadn ti\u1ec7n qua c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c trang web.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Vai_tro_cua_EKYC\"><\/span>2. Vai tr\u00f2 c\u1ee7a EKYC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Qua vi\u1ec7c s\u1eed d\u1ee5ng EKYC, c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3 x\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n y\u00eau c\u1ea7u h\u1ecd mang theo gi\u1ea5y t\u1edd t\u00f9y th\u00e2n. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro gian l\u1eadn v\u00e0 t\u0103ng c\u01b0\u1eddng an ninh trong qu\u00e1 tr\u00ecnh giao d\u1ecbch t\u00e0i ch\u00ednh. Ngo\u00e0i ra, EKYC c\u0169ng mang l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi d\u00f9ng b\u1eb1ng c\u00e1ch ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c so v\u1edbi vi\u1ec7c \u0111i \u0111\u1ebfn c\u00e1c chi nh\u00e1nh \u0111\u1ec3 ho\u00e0n th\u00e0nh quy tr\u00ecnh KYC.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tam_quan_trong_cua_KYC_trong_viec_xac_thuc_khach_hang_va_ngan_chan_hoat_dong_gian_lan\"><\/span>T\u1ea7m quan tr\u1ecdng c\u1ee7a KYC trong vi\u1ec7c x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Xac_thuc_khach_hang\"><\/span>1. X\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quy tr\u00ecnh KYC gi\u00fap x\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng th\u00f4ng qua vi\u1ec7c thu th\u1eadp v\u00e0 ki\u1ec3m tra c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y \u0111\u1ea3m b\u1ea3o r\u1eb1ng ch\u1ec9 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c x\u00e1c minh v\u00e0 c\u00f3 quy\u1ec1n h\u1ee3p ph\u00e1p m\u1edbi c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Qua \u0111\u00f3, KYC gi\u00fap ng\u0103n ch\u1eb7n vi\u1ec7c s\u1eed d\u1ee5ng danh t\u00ednh gi\u1ea3 m\u1ea1o ho\u1eb7c truy c\u1eadp tr\u00e1i ph\u00e9p v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Ngan_chan_hoat_dong_gian_lan\"><\/span>2. Ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m. Nh\u1edd v\u00e0o quy tr\u00ecnh KYC, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn, r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 cho kh\u1ee7ng b\u1ed1. B\u1eb1ng c\u00e1ch ki\u1ec3m tra th\u00f4ng tin kh\u00e1ch h\u00e0ng v\u1edbi c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u00f4ng c\u1ed9ng v\u00e0 n\u1ed9i b\u1ed9, KYC gi\u00fap t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh doanh an to\u00e0n v\u00e0 \u0111\u00e1ng tin c\u1eady.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_thong_tin_KYC_duoc_coi_la_mot_ban_danh_sach_ca_nhan_va_to_chuc_co_lien_quan_den_cac_hoat_dong_toi_pham\"><\/span>C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" alt=\"C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m\" src=\"https:\/\/ungdung.hotronghiencuu.com\/open\/wp-content\/uploads\/2023\/09\/tim_hieu_ve_kyc_va_vai_tro_quan_trong_cua_no_trong_linh_vuc_ngan_hang_va_tai_chinh.jpg\" style=\"text-align: center; clear: both; display: block; margin: 0 auto;\" title=\"C\u00e1c th\u00f4ng tin KYC \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m\"\/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"To_chuc_lien_quan_den_hoat_dong_toi_pham\"><\/span>T\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c th\u00f4ng tin KYC (Know Your Customer) l\u00e0 m\u1ed9t b\u1ea3n danh s\u00e1ch ch\u1ee9a th\u00f4ng tin v\u1ec1 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m. \u0110\u00e2y l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 quan tr\u1ecdng trong vi\u1ec7c x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn, r\u1eeda ti\u1ec1n v\u00e0 kh\u1ee7ng b\u1ed1 t\u00e0i ch\u00ednh.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Thong_tin_ca_nhan_trong_KYC\"><\/span>Th\u00f4ng tin c\u00e1 nh\u00e2n trong KYC<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>T\u00ean, ng\u00e0y th\u00e1ng n\u0103m sinh, qu\u1ed1c t\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng<\/li>\n<li>\u0110\u1ecba ch\u1ec9 c\u01b0 tr\u00fa hi\u1ec7n t\u1ea1i v\u00e0 tr\u01b0\u1edbc \u0111\u00e2y<\/li>\n<li>S\u1ed1 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u00e0 c\u1ed1 \u0111\u1ecbnh<\/li>\n<li>Email v\u00e0 th\u00f4ng tin li\u00ean l\u1ea1c kh\u00e1c<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Thong_tin_to_chuc_trong_KYC\"><\/span>Th\u00f4ng tin t\u1ed5 ch\u1ee9c trong KYC<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>T\u00ean c\u00f4ng ty v\u00e0 m\u00e3 s\u1ed1 thu\u1ebf<\/li>\n<li>\u0110\u1ecba ch\u1ec9 tr\u1ee5 s\u1edf ch\u00ednh v\u00e0 chi nh\u00e1nh (n\u1ebfu c\u00f3)<\/li>\n<li>Ng\u00e0nh ngh\u1ec1 kinh doanh<\/li>\n<li>Th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ly_do_can_xac_minh_KYC_va_su_an_toan_cua_quy_trinh_nay\"><\/span>L\u00fd do c\u1ea7n x\u00e1c minh KYC v\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a quy tr\u00ecnh n\u00e0y<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>X\u00e1c minh KYC l\u00e0 m\u1ed9t quy tr\u00ecnh quan tr\u1ecdng trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p t\u00e0i ch\u00ednh, bao g\u1ed3m ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed. Quy tr\u00ecnh n\u00e0y gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 l\u00e0 nh\u1eefng c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c h\u1ee3p ph\u00e1p, t\u1eeb \u0111\u00f3 gi\u00fap ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"An_toan_cua_quy_trinh_xac_minh_KYC\"><\/span>An to\u00e0n c\u1ee7a quy tr\u00ecnh x\u00e1c minh KYC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quy tr\u00ecnh x\u00e1c minh KYC \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c. C\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c thu th\u1eadp ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch x\u00e1c minh danh t\u00ednh v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebft l\u1ed9 cho b\u1ea5t k\u1ef3 ai ngo\u1ea1i tr\u1eeb c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n. C\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin kh\u00e1ch h\u00e0ng kh\u1ecfi vi\u1ec7c truy c\u1eadp tr\u00e1i ph\u00e9p.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Uu_diem_cua_quy_trinh_KYC\"><\/span>\u01afu \u0111i\u1ec3m c\u1ee7a quy tr\u00ecnh KYC<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>Ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1<\/li>\n<li>Gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 t\u00e0i ch\u00ednh cho t\u1ed5 ch\u1ee9c<\/li>\n<li>T\u1ea1o ni\u1ec1m tin v\u00e0 \u0111\u00e1ng tin c\u1eady trong quan h\u1ec7 giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng<\/li>\n<li>B\u1ea3o v\u1ec7 danh ti\u1ebfng c\u1ee7a ng\u00e0nh c\u00f4ng nghi\u1ec7p t\u00e0i ch\u00ednh<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Doi_tuong_can_tuan_thu_theo_quy_trinh_KYC_bao_gom_ca_nhan_va_to_chuc_lien_quan_den_doanh_nghiep_hoac_cac_giao_dich_tai_chinh\"><\/span>\u0110\u1ed1i t\u01b0\u1ee3ng c\u1ea7n tu\u00e2n th\u1ee7 theo quy tr\u00ecnh KYC, bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn doanh nghi\u1ec7p ho\u1eb7c c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quy tr\u00ecnh x\u00e1c minh KYC \u00e1p d\u1ee5ng cho c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn doanh nghi\u1ec7p ho\u1eb7c c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh. \u0110\u1ed1i t\u01b0\u1ee3ng c\u1ea7n tu\u00e2n th\u1ee7 quy tr\u00ecnh n\u00e0y bao g\u1ed3m:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ca_nhan\"><\/span>C\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>C\u00e1c c\u00e1 nh\u00e2n m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng m\u1edbi<\/li>\n<li>Nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n<\/li>\n<li>Ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/li>\n<li>C\u00e1c kh\u00e1ch h\u00e0ng mu\u1ed1n m\u1edf k\u1ef3 h\u1ea1n ti\u1ebft ki\u1ec7m ho\u1eb7c vay v\u1ed1n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"To_chuc\"><\/span>T\u1ed5 ch\u1ee9c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>C\u00e1c c\u00f4ng ty mu\u1ed1n m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p<\/li>\n<li>Doanh nghi\u1ec7p tham gia v\u00e0o c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh quan tr\u1ecdng<\/li>\n<li>C\u00e1c t\u1ed5 ch\u1ee9c thanh to\u00e1n \u0111i\u1ec7n t\u1eed cung c\u1ea5p d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng<\/li>\n<li>C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ef9 \u0111\u1ea7u t\u01b0<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Giay_to_can_thiet_cho_quy_trinh_xac_minh_KYC_bao_gom_CCCD_ho_chieu_so_ho_khau%E2%80%A6\"><\/span>Gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft cho quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m CCCD, h\u1ed9 chi\u1ebfu, s\u1ed5 h\u1ed9 kh\u1ea9u&#8230;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quy tr\u00ecnh x\u00e1c minh KYC y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p m\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd \u0111\u1ec3 x\u00e1c minh danh t\u00ednh. C\u00e1c gi\u1ea5y t\u1edd th\u00f4ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u bao g\u1ed3m:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ca_nhan-2\"><\/span>C\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Ch\u1ee9ng minh nh\u00e2n d\u00e2n (CCCD)<\/li>\n<li>H\u1ed9 chi\u1ebfu (n\u1ebfu c\u00f3)<\/li>\n<li>S\u1ed5 h\u1ed9 kh\u1ea9u ho\u1eb7c gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn \u0111\u1ecba ch\u1ec9 c\u01b0 tr\u00fa<\/li>\n<li>B\u1eb1ng l\u00e1i xe (n\u1ebfu \u00e1p d\u1ee5ng)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"To_chuc-2\"><\/span>T\u1ed5 ch\u1ee9c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Gi\u1ea5y ph\u00e9p kinh doanh v\u00e0 gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn th\u00e0nh l\u1eadp c\u00f4ng ty<\/li>\n<li>Gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn \u0111\u1ecba ch\u1ec9 tr\u1ee5 s\u1edf ch\u00ednh v\u00e0 chi nh\u00e1nh (n\u1ebfu c\u00f3)<\/li>\n<li>Th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt c\u1ee7a c\u00f4ng ty<\/li>\n<li>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan kh\u00e1c<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Chi_tiet_ve_quy_trinh_xac_minh_KYC_bao_gom_thu_thap_thong_tin_khach_hang_danh_gia_khach_hang_va_luu_tru_thong_tin\"><\/span>Chi ti\u1ebft v\u1ec1 quy tr\u00ecnh x\u00e1c minh KYC, bao g\u1ed3m thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng v\u00e0 l\u01b0u tr\u1eef th\u00f4ng tin.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quy tr\u00ecnh x\u00e1c minh KYC bao g\u1ed3m c\u00e1c b\u01b0\u1edbc sau:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Thu_thap_thong_tin_khach_hang\"><\/span>1. Thu th\u1eadp th\u00f4ng tin kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Trong b\u01b0\u1edbc n\u00e0y, ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh thu th\u1eadp th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c t\u1eeb kh\u00e1ch h\u00e0ng. Th\u00f4ng tin n\u00e0y bao g\u1ed3m t\u00ean, ng\u00e0y th\u00e1ng n\u0103m sinh, \u0111\u1ecba ch\u1ec9 c\u01b0 tr\u00fa, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u00e0 c\u1ed1 \u0111\u1ecbnh, email v\u00e0 c\u00e1c th\u00f4ng tin li\u00ean h\u1ec7 kh\u00e1c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Danh_gia_khach_hang\"><\/span>2. \u0110\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi thu th\u1eadp th\u00f4ng tin, ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ti\u1ebfn h\u00e0nh \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e1c minh danh t\u00ednh v\u00e0 ki\u1ec3m tra r\u1ee7i ro. \u0110\u00e1nh gi\u00e1 n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m ki\u1ec3m tra th\u00f4ng tin tr\u00ean c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u00f4ng c\u1ed9ng, x\u00e1c minh c\u00e1c gi\u1ea5y t\u1edd v\u00e0 li\u00ean h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e1c nh\u1eadn th\u00f4ng tin.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Luu_tru_thong_tin\"><\/span>3. L\u01b0u tr\u1eef th\u00f4ng tin<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi ho\u00e0n th\u00e0nh quy tr\u00ecnh x\u00e1c minh KYC, ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u01b0u tr\u1eef th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng trong m\u1ed9t h\u1ec7 th\u1ed1ng an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt. Th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn b\u1edfi nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n truy c\u1eadp.<\/p>\n<p>KYC, vi\u1ebft t\u1eaft c\u1ee7a &#8220;Know Your Customer&#8221;, l\u00e0 qu\u00e1 tr\u00ecnh x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y gi\u00fap ng\u0103n ch\u1eb7n r\u1ee7i ro t\u00e0i ch\u00ednh, gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n. 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