Palavras-chave
law on credit institutions
state bank of vietnam
credit institutions
Como Citar
Resumo
Sob os impactos da Quarta Revolução Industrial, o setor bancário é um campo de negócios no qual um novo modelo de negócios relacionado à tecnologia financeira e à tecnologia bancária digital baseado em plataformas de big data, inteligência artificial, automação de processos robóticos e tecnologia Blockchain. No Vietnã, o arcabouço legal para operações bancárias digitais já contava com regulamentações iniciais na Lei de Instituições de Crédito e na Lei de Transações Eletrônicas. No entanto, essas regulamentações não atenderam aos requisitos para regular as operações bancárias digitais, por se tratar de bancos eletrônicos - a primeira etapa das operações bancárias digitais. Na orientação estratégica do desenvolvimento do setor bancário, o desenvolvimento da banca digital é um dos objetivos identificados, em que a construção de um enquadramento legal para as operações de banca digital é uma solução que necessita de ser implementada de imediato. Para desenvolver operações bancárias digitais, os regulamentos atuais sobre operações bancárias eletrônicas devem ser alterados e complementados para atender aos requisitos das operações bancárias digitais, especialmente os padrões de infraestrutura tecnológica, os requisitos de segurança, continuidade das transações e proteção dos interesses dos clientes.
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