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VIETNAM ACADEMY OF SOCIAL SCIENCES INSTITUTE OF SOCIOLOGY DO THI MINH PHUONG CURRENT PREVENTION OF CRIMINAL SITUATIONSTHE BANKING INDUSTRY IN VIETNAM Field of study: Criminology and Crime Prevention Code: 9.38.01.05 SUMMARY OF THESIS OF PhD IN LAW STUDIES HANOI - 2022 The work has been completed at INSTITUTE OF SOCIOLOGY Science Instructor: Assoc Prof Ph.D Tran Dinh Nha Review 1: Assoc Prof Ph.D Hoang Thi Minh Son Review 2: Assoc Prof Ph.D Trinh Tien Viet Review 3: Assoc Prof Ph.D Tran Dinh Nha The thesis will be defended in front of the Academy-level Thesis Judging Committee meeting at the Academy of Social Sciences at…… on day, month, Thesis can be found at the library: - National Library of Vietnam - Library of Institute of Sociology year LIST OF WORKS PUBLISHED BY AUTHOR Article: Fight against crime in the banking sector in Vietnam today, Journal of the State and Law, Issue 299, March 2013 Article: Solutions to prevent banking crimes, Journal of Financial and Monetary Market Issue 381, June 2013 Article: Fight against crime in the securities sector in Vietnam, State and Law Journal, Issue 291 July 2012 Article: Prevention of money laundering through banking activities in Vietnam today - Difficulties and solutions, Journal of Prosecuting Science, April 2020 issue Article: Crime in the banking sector and provisions of the Penal Code 2015, People's Court Journal, March 2019 issue INTRODUCTION Rationale The banking system is always the lifeblood of the economy, the stability and safety of the banking system plays an important role in the development of the economy The reality of banking market operation shows that along with the development of banking activities, criminal acts in this sector also appear and are increasing with higher level of seriousness and danger The fight to prevent this type of crime needs to be conducted regularly together with the constant efforts of the Party and State, and specialized agencies such as the Investigation Agency, the People's Procuracy, the People's Court and thebanks themselves which should be proactive in researching and proposing effective measures for prevention and fighting against this type of crime Meanwhile, the banks’ internal inspection and control departments and credit institutions have not yet met the management requirements in accordance with their functions and duties, most of these departments just stop at On-site inspection, but when detecting violations, the handling of violations is still slow.But due to fear of affecting the reputation, operation and profits of their system, the banks even seek to conceal the violations, causing difficulties for competent authorities in handlingand fighting this type of crime Stemming from the above-mentioned urgent theoretical and practical requirements, the author chooses the topic "Preventing the crime situation in the banking sector in Vietnam today" to the doctoral thesis in law studies For the purpose of researching and analyzing legal signs, causes and conditions of the criminal situation in the banking sector, especially studying the theory and practice of preventing this type of crime, the author has proposed solutions including from improving the law to organizing preventive activities to suit the actual situation of Vietnam today and in the future Research purpose and tasks of the thesis 2.1 Research Purpose The thesis aims to clarify theoretical and practical issues for crime prevention in the banking sector in Vietnam in recent years, supplement and concretize the theory on crime prevention of the crime situation in the banking sector; indicate the causes and conditions of the criminal situation in the banking sector; Proposing measures for prevention of crime in the banking sector 2.2.Research Tasks: The thesis focuses on the following basic tasks, thereby identifying issues that need further researching in the thesis; Firstly,conduct an overall survey and evaluation of national and international research works related to the thesis topic to better understand the research results, theoretical basis, scientific basis and practice on crime prevention in the banking sector, Secondly, on the basis of the existing theoretical foundation of crime prevention, analyze and clarify theoretical issues about crime prevention in the banking sector in Vietnam Thirdly,survey, analyze and clarify the reality of the crime situation in the banking sector, including to make in-depth research to clarify the situation, causes and conditions of the crimes, shortcomings, difficulties, problems in the practice of preventing crime in the banking sector Fourthly,on the basis of the research on the actual situation, propose some solutions to strengthen the prevention of crime in the banking sector in Vietnam in the coming time Thesis’s object and range of study 3.1 Object of study The thesis’sstudy object is the Party’sviewpoints, lines and policies on crime prevention in general and crime prevention in the banking sector in particular; Theoretical issues on crime prevention in the banking sector; Laws and practices on prevention of crime in the banking sector in Vietnam over the past time 3.2 Range of study The thesis’s range of study is limited by following aspects: - The thesis is researched from the perspective of criminology and crime prevention However, as the crime in the banking sector is not a specific crime under the Penal Code but it’s a concept of criminology; therefore, when studying the crime situation in the banking sector, the author would like to limit the theoretical and practical issues in terms of the crime of violating regulations on banking activities and other activities related to banking activities as prescribed in Articles 206, 207 of the Vietnam Penal Code 2015 and some other typical crimes happening in the banking sector, such as crimes of ownership under Article 174, 175, 179, crimes of positions under Articles 354, 355, 356, 359; Practice of crime prevention in the banking sector from 2010 to 2020 Methodology and Research Methods 4.1 Methodology The thesis is formed on the basis of the methodology of Marxism Leninism, Ho Chi Minh's ideology and the Party and State’sviews on perfecting the market economy institution in the context of international integration The methodological basis of the thesis is dialectical materialism and historical materialism 4.2 Research Methods In the process of researching the topic, the PhD student has used such research methods as: sociological investigation method (developing questionnaires, dataanalysis and statistics), method of document and historical research, statistics, analysis, synthesis, comparison, induction, deduction, systematization, systems approach, multidisciplinary and interdisciplinary social sciences method, etc New scientific contributions of the thesis The research results of the thesis will clarify the following issues: To enrich the theoretical system of crime prevention in Vietnam; The practice of crime preventionin the banking sector in Vietnam in the period from 2010 to 2020 which is quite comprehensive and systematic, thereby clearly showing the advantages, shortcomings and weaknesses of thepracticeson the prevention of crime situation in the banking sector; providing an argument for theory and practice that can provide researchers and legislators in drafting legal provisions on crime, crime prevention and control in the banking sector, which can be a reference for the research, teaching and studying about crime and crime prevention in the banking sector in Vietnam Theoretical and practical significance of the thesis Theoretical significance: The completed thesis is meaningful in clarifying and enriching the theoretical issues of crime prevention in the banking sector such as: the concept of crime situation in the banking sector, the concept of prevention of crime situation in the banking sector, characteristics, principles, content and subjects, preventive measures Practical significance: On the basis of learning about and evaluating the practice of crime prevention activities in the banking sector, pointing out the advantages, limitations and shortcomings of prevention activities, the thesis has made science and practice-based predictions for the crime situation in the banking sector in the coming time as well as develop and propose solutions to strengthen crime prevention activities in the banking sector Structure of the thesis In addition to the list of tables and reference, the Thesis is divided into chapters: Chapter Research Overview Chapter Theoretical issues on crime prevention in the banking sector Chapter Situation of prevention of crime in banking sector Chapter Solutions for strengthening the prevention of crimes in the banking sector Chapter RESEARCH OVERVIEW 1.1 Topic-related Research Overview Through studying the research works related to the topic, the author has categorized the researches into groups: i) Theoretical research works on crime prevention in the banking sector; ii) Research works on the current situation of crime prevention in the banking sector in Vietnam; iii) Research works on solutions for prevention of crimes in the banking sector in Vietnam From that, the author draws some conclusions as follows: 1.2 The research results that the thesis will inherit and further develop Firstly, national and international research works have gathered and summarized many theoretical issues related to crime and crime prevention in the field of banking operations, as mentioned, including: analysis on crime concept, crime situation, characteristics, nature, causes and conditions of this crime situation; theoretical analysis and evaluation on crime prevention and control in the banking sector in the country and in the world Secondly, the above researches, especially the international researches, have pointed out many challenges that the judiciary in general and the banking industry in particular must face with in the coming time when the mankind is approaching the achievements of the 4.0 industrial revolution Thirdly, Domestic research works, especially those conducted from the perspective of criminology and crime prevention, have partly pointed out the shortcomings, inadequacies and causes that need to be overcomed in the lawmaking and execution and application of the law on prevention of economic crimes in general and in the banking sector in particular, as well as have proposed specific solutions to overcome such shortcomings and inadequacies Fourthly, many research works have carefully analyzed several solutions for fighting and prevention of certain types of crimes related to the banking sector, such as corruption, money laundering, fraud, counterfeit money, intentional violation of the State regulations resulting in serious consequences , and at the same time, proposed solutions for improvement of the effectiveness of the fighting and prevention for each type of crime The thesis needs to further implement and make scientific, accurate, objective and specific predictions on the crime situation in the banking sector, thereby proposing solutions for strengthening the crime prevention activities in the banking sector in the coming time Chapter THEORETICAL ISSUES ON CRIME PREVENTION IN THE BANKING SECTOR 2.1 Concept of crime situation in the banking sector 2.1.1 The concept of crime in the banking sector Crime, according to the provisions of Clause 1, Article 8, the Penal Code of 2015 as amended and supplemented in 2017, on the basis of specific contents of crimes in the banking sector, the doctoral postgraduate can generalize the crimes in the banking sector can be defined as: is an act that is dangerous to society, intentionally committed by an entity with criminal capacity, infringing upon the State's economic management order in the banking sector and banking activities, causing damages for the whole economy and affecting the reputation of the bank and the State 2.1.1.1 Legal signs of crime in the banking sector Signs of the object of the crime Signs of the objective side of the crime Signs belonging to the subject of a crime Signs of the subjective side 2.1.1.2 Characteristics of crime in the banking sector Firstly, crime in the banking sector is a type of economic crime commonly arising in those areas with developed economies…and tends to move to some other localities, especially in places where the industrialization and urbanization repaidly occurs Secondly, the subjects of banking crimes are very diverse and are usually the people with knowledge and understanding of the bank and its operations, often associated with people with positions and powers in the banks The banking activities are always highly systematic, so the crimes in the banking sector often have connections as crime collusion Thirdly, crime in the banking sector is a type of crime that causes heavy consequences and damages to society, often it is difficult to recover assets for the bank after handling the crime Fourthly, criminal tricks in the banking sector are diverse and complicated Most of the crimes are committed intentionally, and often conducted by an proactive plan to infiltrate, receive collusions from the degenerate and corrupt bank officials Fifth, crimes in the banking sector are highly internationalized, for which attention should be made when conducting researches on the crimes in the banking sector in today’s period of globalization 2.1.2 The concept of crime situation in the banking sector and the causes and conditions giving rise to crime in the banking sector 2.1.2.1 The concept and characteristics of the criminal situation in the banking sector The criminal situation is the first and basic research object of criminology It can be said that the concept of criminal situation has been formed and perfected over time along with theoretical researches, marking the shift of awareness level from events, acts and single criminal concepts to a more general and complicated concept After consulting some authors such as: Author Duong Tuyet Mien; author Vo Khanh Vinh; perspective of criminology curriculum of Hanoi Law University; Criminology curriculum of Ho Chi Minh City University of Law, Based on the general perception of the crime situation mentioned above, it is possible to state the concept of the crime situation in the banking sector, according to which: “The crime situation in the banking sector is a negative socio-psychological phenomenon which has with criminal legality, history, 10 detection, struggle, strict and timely handling, no restricted areas, no exceptions to criminal acts - Legal basis of crime prevention activities in the banking sector The legal basis of crime prevention activities in the banking sector is understood as a combination of principles, viewpoints, and guiding guidelines, be concretized into legal provisions and specific preventive measures, as well as the specific rights and responsibilities of crime prevention actors are codified Research students divided into the following groups of texts: Group of documents regulating the organization and operation of banks and credit institutions; State management regulations for banking activities Group of legal documents regulating crime prevention in the banking sector 2.3.1.2.Theoretical basis of practice of crime prevention in the banking sector - Crime in the banking sector has been causing enormous economic losses, which directly threatens the safe and healthy development of the whole economy; infringing upon the legitimate interests of agencies, organizations and individuals recognized and protected by law Statistics of the Supreme People's Procuracy show that crimes in the fields of economic management, ownership, and positions in the banking sector are always higher than the previous year, crime situation in the banking sector is increasing and becoming more complicated, with an increase in both the number of cases and the nature, extent and consequences.(See the statistics of the Supreme People's Procuracy in Appendix 1) In the next time, Vietnam will continue to integrate deeply into the international economy In particular, with the influence of the industrial revolution 4.0, besides the advantages it brings to the economy, crime in the banking sector continues to develop, with complicated and unpredictable At the same time, it will be a mainstream crime that has a great impact on many other traditional crimes 11 2.3.2.Principles of crime prevention in the banking sector The principles of crime prevention in the banking sector are the foundational, directing, oriented and cross-cutting viewpoints in the organization that carries out crime prevention activities On the basis of the principles of crime prevention in general, it is possible to specify the principles for preventing crime in the banking sector as follows: Legal principle; Democratic principle; Humanitarian principle; Principle of concretization; Scientific principle; Principle of synchronous coordination In addition to the general principles of crime prevention, derived from the characteristics of criminal law and criminology of crimes in the banking sector, there are also the following specific principles: First, must be associated with the protection of market economic institutions, handling must ensure the healthy operation of market economic institutions Second, must ensure respect for the rights of individuals and businesses, including the rights to freedom and business initiative Third,diversifying measures applied in crime prevention in the banking sector It is necessary to mobilize actors with many different and comprehensive measures to promote the effectiveness of the prevention of this type of crime In which, the core is still the banking industry and the focus is on staff in the banking system Fourth, coordination among countries in the prevention of crime in the banking sector With the transition of the industrial revolution 4.0, it also shows that with criminal methods and tricks using high-tech equipment, the previous limits of border, territory, and geographical distance are no longer an obstacle 2.3.3 The subject of crime prevention in the banking sector In the crime prevention mechanism, the subject of crime prevention plays an important role and determines the success of crime prevention In the political system in Vietnam, each agency and organization is assigned to perform certain functions and tasks and is responsible for directly or indirectly 12 participating in crime prevention in the banking sector Subjects can be classified into the following three groups: The group of subjects leading and directing the development of policies and laws as a basis for crime prevention activities in the banking sector Communist Party of Vietnam and Party organizations at all levels;National Assembly, People's Councils at all levels;Government and People's Committees at all levels The group of subjects that directly implement measures to prevent crime in the banking sector State Bank of Vietnam (State Bank branches in provinces; Inspection and supervision under the State Bank; Internal control under the State Bank); System of commercial banks; Government inspector; State Audit; Law protection agency: Public Security, Court, Procuracy Group of subjects to cooperate in preventing crime in the banking sector Economic organizations, social organizations, media agencies; Bank customers and the general public 2.4 Content and measures to prevent crime in the banking sector 2.4.1 Contents of crime prevention in the banking sector The content of crime prevention is all activities that need to be carried out to prevent the crime situation, which includes activities aimed at overcoming factors that can become causes and conditions giving rise to crime Depending on the specific causes and conditions of the criminal situation in the banking sector, to propose solutions to eliminate the causes and conditions of the crime accordinglyand derived from the causes and conditions of crime arising in the banking sector to study, draft and propose appropriate guidelines, solutions and measures in order to gradually eliminate the causes and conditions of crime 2.4.2 Measures to prevent crime in the banking sector 2.4.2.1 Group of social precautions (general precautions) Social prevention is a system of measures: economic, politicalideological, cultural-educational, state management organization and law … 13 conducted by state agencies, organizations and people, in order to create a positive environment as a premise for limiting negative factors that can become causes and conditions giving rise crime situation in the banking sector Thus, Group of social prevention measures includes the following basic measures: - Measures on political and ideological education - Measures on State management -Measures for propagating, disseminating and educating the law - Socio-economic measures 2.4.2.2 Group of professional preventive measures (private precautions) Professional prevention is a preventive activity of agencies with crime prevention and control functions are law protection agencies that conduct by a combination of professional and professional measures of each agency in order to detect and eliminate factors that are the causes and conditions giving rise to the criminal situation, prevent crime from happening - Measures on governance, operation and control of banks - Training and improving professional qualifications, sense of responsibility, ideology and professional ethics of officials, civil servants and bank employees - Investing, updating scientific and technological equipment, security and safety in professional activities and treasury security - For bank leaders, -State Inspector, State Audit Agency - Measures to customers: - Prevention by professional measures of the Public Security force, Procuracies, Courts 14 Chapter SITUATION OF PREVENTING CRIME IN THE BANKING SECTOR 3.1 The reality, causes and conditions of the crime situation in the banking sector 3.1.1 The crime situation in the banking sector Structured by the group of crimes, mainly the crimes of ownership and position related to the banking sector such as: "Fraud of appropriation of assets" (Article 174), "Abuse of trust to misappropriate assets" (Article 175), "Use computer networks, telecommunication networks, internet or digital devices to carry out the act of appropriation of assets" (Article 226b of the Criminal Code 1999 and the article 290 of the Criminal Code 2015), "Embezzle the property" (Article 278- the Criminal Code 1999 and Article 353- the Criminal Code 2015), "Abuse positions and powers while performing public duties" (Article 281 of the Criminal Code 1999 and Article 356 of the Criminal Code 2015), Crimes of forgery in the work (Article 359 of the Criminal Code 2015) In particular, in 2012, 2015, 2016, 2017, there were many particularly serious cases, Source: Supreme People's Procuracy - Structured by the crime, particularly for violations of regulations on banking activities (Article 206 of the Criminal Code 2015) and the crime of "Violation of regulations on lending in the operation of credit institutions" (Article 179 of the Criminal Code 1999), other activities related to banking activities from 2010 to the end of 2019 occurred 98 cases (accounting for 22.5%) of the total number of economic crimes in the banking sector worth VND48,278.5 billion (accounting for 37.7%) of the total damage value caused by crimes in the banking sector As such, it can be seen that the crime situation in the banking sector is increasingly complicated in terms of the number of cases and the number of offenders - Structured by the location, according to statistics of the Supreme People's Court, the area where crime occurs in the banking sector is extremely 15 diverse Most of the cases in the banking field occurred in some major cities such as Ho Chi Minh City with 1,604 cases taking of more than 11% of the total number of crimes violating the economic management order of the country, Hanoi with 941 cases taking of 6.5%, Hai Phong detected 226 cases taking of more than 1.5% of the total cases, Da Nang had 98 cases taking of 0.7% However, this crime currently tends to increase in the provinces with high urbanization rate other than the cities, often concentrated in the provinces with industrial parks, export processing zones such as Dong Nai, Bien Hoa, Bac Ninh, Quang Ninh compared to the total number of cases across the country In addition, the situation of hidden crime in the banking sector is a very difficult and challenging issue for many areas of research 3.1.2 Causes and conditions of the crime situation in the banking sector The causes and conditions of the crime situation in the banking sector are all the negative social phenomena and processes that support this type of crime originate and develop Theoretical research and practical data survey of the crime situation in the banking field have allowed to draw the basic causes and conditions of crime in the banking sector as follows.: -Causes and conditions belong to the incompleteness of legal documents on crime prevention and fighting in the banking sector -Causes and conditions belong to the state management in the prevention of the banking sector’s crime situation -Causes and conditions belong to law protection agencies - Causes and conditions belonging to victims - Banks - Causes and conditions belong to the impact of the crime situation in the sectors of economy and finance - banking in the world 3.2 Preventing crime reality in the banking sector 3.2.1 Awareness of preventing crime reality in the banking sector Awareness of preventing crime reality is the attitude, the assessment of crime prevention in the following aspects: the crime situation, the causes of the crime 16 situation, the role of crime prevention, the opinions and orientations in the prevention of the crime situation in the banking sector of the prevention subjects - The status of awareness and direction of the Party and government on preventing the crime situation in the banking sector in Vietnam in recent years - Awareness of bank officials and employees on preventing crime situation in the banking sector - The awareness status of the people and customers who use banking services on the prevention of crime situation in the banking sector 3.2.2 The implementation of preventive measures of the subjects to prevent the crime situation in the banking sector 3.2.2.1 The status of activities of the subjects which direct, formulate, implement policies and laws to serve the prevention of crime situation in the banking sector The responsibility to prevent the crime situation in general, the crime situation in the banking sector in particular is not only the responsibility of an agency or organization but also the responsibility of the whole society including the specialized and coordinated prevention force Although the prevention of crime in the banking sector has achieved certain results in recent years, the prevention effect is not high 3.2.2.2 The status of activities of the subjects which directly implement the prevention of the crime situation in the banking sector In fact, through the annual report of the Banking Inspection and Supervision Agency, the activities that this agency implements mainly focus on macro-safety supervision without really investing in strengthening micromonitoring of the activities of each individual credit institution Therefore, it is not possible to go thoroughly and promptly detect violations from a young age, especially violations in compliance with professional procedures to promptly detect and prevent before such acts become criminals 17 On the other hand, with the current organizational model, it will be difficult to conduct inspections of credit institutions with branches located abroad With the integration and development process, Vietnam currently has more than 10 banks that have expanded their operations to countries such as Laos, Cambodia, Myanmar, Singapore, Hong Kong, France, Germany 3.2.2.3 The situation of coordinating the prevention of crime situation in the banking sector 3.3 Implementation of measures to prevent crime in the banking sector 3.3.1 Implementation of social preventive measures In order to eliminate factors that may become causes and conditions that originate and develop crime, the whole society participates in the implementation General social precautions are being developed and implemented today in the prevention and prevention of crime in the banking sector, including the following typical measures: State management measures; Socio-economic measures 3.3.2 Implementation of professional preventive measures Professional prevention - specialized prevention is the measures to apply law and professional activities conducted by specialized agencies (System of inspection and supervision agencies of the State Bank, Police, Procuracies, Courts ) aimed at specific subjects - Administer management and internal control, audit; Regarding internal processes and regulations; Regarding credit risk management; Regarding people - Specialized supervision inspection activities under the State Bank: Inspection activities; Monitoring; Internal audit and control activities - Status of detection and solution of law protection agencies (Public Security Agencies, Procuracies, Courts) 18 3.4 Assessment of the current situation of organization and prevention of crime situation in the banking sector 3.4.1 The achieved results Over the years, our Party and State have been advocating the development of the socialist market economy to maximize the strengths and potentials of economic fields The initial results achieved in the prevention of crime in general and the prevention and prevention of the crime situation in the banking sector in particular have demonstrated the efforts of all levels, fields, agencies, unions, the populace and the whole society, showed the right direction of this work, contributing to strengthening the people's trust in the Party, State and with the socialist regime in Vietnam 3.4.2 Limitations in the prevention of the crime situation in the banking sector Beside the achieved results, in preventing the situation of Vietnamese banking sector’s, there are some basic shortcomings such as: - Limitations in the awareness of the purpose, meaning, principles of prevention of crime situation in the banking sector of responsible subjects and preventive obligations - Limitations in law-making - Limitations in organizing the implementation and improvement of the prevention system - Limitations in implementing professional preventive measures and combating crime in the banking field - Limitations in coordination and verification - Limitations in international cooperation - Restrictions on the implementation of social precautions 19 3.4.3 Causes of limitations, shortcomings - Firstly, the cause of perception, due to the awareness of the purpose, meaning, the principles of content to prevent the crime situation in the banking sector of the subjects is not yet agreed - Secondly, the legal cause, from the practice of preventing the crime situation in the banking sector shows that the legal system regulating these crimes is lacking, inconsistent, incomplete - Thirdly, the cause from human and material resources - the specialized subject to the implementation of prevention is lacking in quantity, limited professional qualifications, lack of means of operating equipment directly affecting the effectiveness of prevention - Fourthly, the causes and difficulties in implementing professional preventive measures and combating crime in the banking sector - Fifthly, the reasons for the coordination of verification in the prevention of crime situations in the banking field among responsible subjects and obligations are not effective - Sixthly, the reasons for difficulties in international cooperation activities in preventing the situation of crime used in the banking sector have not been actively and regularly conducted - Seventhly, in the implementation of social prevention measures, the work of propagating the law and raising awareness of users of banking services in preventing the crime situation has not been effective - Eighthly, in the course of operation, the commercial banking system is not only under economic pressure but also under increasing pressure of crimes related to banking activities, including money laundering and corruption - Ninthly, the issue of cross-ownership in the banking field is becoming more and more complex 20 Chapter FORECASTING AND SOLUTIONS TO ENHANCE PREVENTION CRIME IN THE BANKING SECTOR 4.1 Forecasting factors affecting and affecting the prevention of crime situation in the banking sector 4.1.1 Foundation of forecast - About the state of the world economy - On the economic and political situation in the country: 4.1.2 Forecast contents Coming from the establishments to evaluate and recognize the factors affecting both at home and abroad, as well as the specific activities of the banking industry, the content of the forecast of crime in the banking sector in our country in the coming time will be growing and complicated, shown on some specific points: About criminals in the banking sector In recent years, the offenders of this type of crime have become more and more diverse, including Vietnamese and foreigners For example, a hightech crime that has taken place recently always has the participation of individuals with foreign nationality, criminals in the banking sector with a marked change, the age will be much more rejuvenated and the professional level is also improved, is associated with high-tech crime due to the banking industry applying technology in management, administration and digitization of processes and operations With the age of rejuvenation, the characteristics of life perspectives and needs, habits, preferences also change Accordingly, in the coming time, cases in the banking sector are expected to have a change in methods and tricks, motives and purposes of crimes On the crime: Currently, in addition to the above offenses, criminals in the banking sector also appear many new and more complex types of behavior such as card crime, high-tech criminals stealing personal information, buying and selling, and illegally using fake bank cards online corruption in the banking sector is increasingly showing signs of complexity On the criminal format 21 With the qualitative change in the structure of the offender and the tricks and tools of the means of committing crimes in the banking sector as forecasted above, it is possible to see a change in the amount of inevitable will occur Therefore, the struggle with a crime in the banking sector is in the coming stages, when the banking industry really enters the period of digital banking completion and transformation It will be a fight against high-tech crime, a battle of wisdom and technology from three parties: banks, customers, and regulators - About the ability to prevent the crime situation in the banking sector in the coming time With certain advantages and difficulties: In the context of the socioeconomic situation in the country and in the world today, to come up with solutions to enhance the effectiveness of preventing the crime situation in the banking sector, it is necessary to prepare for: + Forecast of human resources for crime prevention: + Forecast of facilities to ensure the prevention of crime: 4.2 Views, objectives, and solutions to strengthen the prevention of crime situation in the banking sector 4.2.1.Views and objectives to strengthen the prevention of crime situation in the banking sector In order to concretize the views and policy guidelines of the Party and the Government, the banking sector has adopted the action plan of the sector on January 7, 2019, the Governor of the State Bank issued Decision No 34 to implement decision No 986/QD-TTg dated August 8, 2018 "Strategy for development of Vietnam's banking sector to 2025, Orientation to 2030" 4.2.2.Solutions to strengthen the prevention of crime situation in the banking sector in the coming time 4.2.2.1 Solutions to increase awareness of crime prevention in the banking sector Raising awareness of subjects and people on the prevention of crime situation in the banking sector through the quality and effectiveness of education propaganda and socialization to prevent crime in the banking sector Raising awareness of cadres and civil servants in the banking sector on 22 crime prevention 4.2.2.2.2.Improving the quality of the mechanism for preventing the crime situation in the banking sector - Improve the efficiency of state management of banks and banking activities through the direction, development, and implementation of policies and laws to regulate the prevention of crime situations in the banking sector - Improving the way the organization and mode of operation of the subject directly implementing the prevention of crime situation in the banking sector - Improve the mode of operation of banks through new investment innovation and improved business processes - Strictly comply with the provisions of the law in the organization and operation of commercial banks, contributing to crime prevention, limiting the causes and conditions of crime in the banking sector - Enhance the efficiency of organization and staff in the banking industry - Improve the effectiveness and efficiency of inspection and inspection in the prevention and combat of violations and crimes in the banking sector - Improve the efficiency of coordination between authorities in preventing and combating crime in the banking sector - Appropriate solutions from police agencies and agencies conducting procedures on prevention and combat of crimes in the banking sector - Enhance the efficiency of international coordination and cooperation in detecting, investigating, and handling crimes with foreign elements related to the banking sector in Vietnam 23 CONCLUSION Crime in the banking sector has developed, increasing in recent years, and has caused very serious consequences for political, socio-economic life in Vietnam Our Party and State assess the crime situation in the banking sector as one of the serious risks that can put the national financial situation at great risk The crimes carried out in the banking sector are diverse, not only are the acts directly infringing on banking activities but also other crimes such as fraud, corruption, money laundering This type of crime is even more dangerous because the offenders are people with positions, powers, working in the banking industry itself In the face of the complicated development of the crime situation in the banking sector, the task of the research student is to clarify the concepts, characteristics, causes, and conditions of the crime situation before explaining the theoretical issues of prevention of this type of crime The analytical theoretical contents have contributed to enriching the theoretical system of crime prevention in general and the prevention of crime in the banking sector in our country in particular In practical terms, the thesis gathered documents, data, and analysis on the situation, results of prevention and combat of crime in the banking sector in the period from 2010 to 2020; analyzing the views and policies of the Party and the State's laws on the fight against this type of crime in the past time, highlighting the strengths and incomplete points of policies and laws on crime prevention in the banking sector Similarly, the assessments and comments on the situation of prevention of this type of crime in the past time, analyzing the causes of the inadequacies and shortcomings of this work This is an important practical basis for research students to propose solutions to improve the effectiveness of crime prevention in the banking sector in chapter of the thesis By arguing and analyzing the relevant contents, including forecasts on crime in the banking sector in the coming time, as well as forecasting the impacts on crime prevention activities in the banking sector, research students come up with a system of solutions to improve the efficiency of crime 24 prevention activities in the field of banking The banking sector is coming up These are solutions that are both macro and specific and need to be implemented synchronously to achieve the highest efficiency At the same time, one of the very important and indispensable factors in the organization of effective implementation of these solutions is to mobilize the highest spirit of solidarity, a synergy not only within the banking industry but with the active participation of agencies, organizations, and all citizens, especially from the Inspection and Auditing agencies, Public Security, People's Procuracies, People's Courts Despite great efforts, however, in the process of implementing the thesis, it is difficult for doctors to avoid limitations and shortcomings We look forward to receiving comments and instructions from experts, scientists, and colleagues so that the thesis will continue to be supplemented and completed ... library: - National Library of Vietnam - Library of Institute of Sociology year LIST OF WORKS PUBLISHED BY AUTHOR Article: Fight against crime in the banking sector in Vietnam today, Journal of the State... crime in the securities sector in Vietnam, State and Law Journal, Issue 291 July 2012 Article: Prevention of money laundering through banking activities in Vietnam today - Difficulties and solutions,... issues: To enrich the theoretical system of crime prevention in Vietnam; The practice of crime preventionin the banking sector in Vietnam in the period from 2010 to 2020 which is quite comprehensive