Giải pháp hạn chế rủi ro đối với thẻ ngân hàng tại Việt Nam

     !   ∀# ∃%&∋ () ∗+,−../0.∗12.∗302∗4.∗5/6.0./ 7891:;<==>   ?≅Α8Β   /Χ∆2∗ΧΕ./ΦΓ.Η∗Ιϑ∗ΚΛ  88Μ   5Α>;;Ν   ?))    !∀#∃%&∋()∋∗+,− ∀( ./01∃122  !,3 / .,4∗5%  − ? 677 879:; 87,−∋,<  =>6?≅ΑΒ Χ4: Χ ∆67∆ Ε≅3 !Φ∆ ΓΗ Ι∆ ϑΚ:4∆ ∗ΧΟ./=1ΟΠΘΡΣΡ+Τ.ΥςΩ∗Ξ./6.∗0./Υ0ΛΨΛΖ[2ΖΙΡ2−.∴+ϑ.]3. Ω∗Ξ./6.∗0./ ΧΧΛΜΝΕ ΧΧΧΛΟ∀Π%∃<Ν Ε 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Ξ ΧΧΓϑΛΩΝΞ ΧΧϑΛ!+∀Π/7ΝΖ ΧΧϑΧΛ≅3.ΝΖ ΧΧϑ∆Λ≅3.Χ[ ΧΧϑΕΛ≅3.ΙΟ4ΝΧ∆ ΧΧϑΓΛ≅3.∗:Χ∆ ΧΧΡΛ∴∃%ΝΧΕ ΧΧΡΧΛ∴∃%ΝΧΕ ΧΧΡ∆Λ∴∃%Ν ΧΕ Χ∆Λ]∃∃+∀Π/7ΝΧΓ Χ∆ΧΛ]∃3.ΧΓ Χ∆ΧΧΛ]∃/Ν−ΧΓ Χ∆Χ∆Λ]∃/ ΦΧϑ Χ∆ΧΕΛ]∃/7 ΧΡ Χ∆ΧΓΛ]∃/+ΧΡ Χ∆ΧϑΛ]∃/∗3%/3Χς Χ∆ΧΡΛ]∃∃#∃%<Ν⊥ΙΝ. <∗ Χς Χ∆ΧςΛ]∃/∗4∗Ο_/∀ΣΙΟ 4ΝΧς Χ∆ΧΞΛ]∃/ΙΟ4Ν−ΦΧΞ Χ∆∆Λ]∃3.∗ΧΖ Χ∆∆ΧΛ]∃+Ν,Ο4Φ4;ΧΖ Χ∆∆∆Λ]∃+Τ∀3Η>ΨΧΖ Χ∆∆ΕΛ]∃+<#Ν∃α6 ΧΖ Χ∆∆ΓΛ]∃Ν,ΟΣ∀ΧΖ Χ∆ΕΛ]∃3.ΙΟ4Ν∆[ Χ∆ΓΛ]∃∗ ∆Χ Χ∆ϑΛ6∀3∗+ΘΠΜΝ∃:.∆Χ Κ: ΙΧ∆Ρ  ∗ΧΟ./>1∗⊥ΛΩΖ_./Ζ[2ΖΙΡ2−.∴+ϑ.]3.Ω∗Ξ./6.∗0./Ω_22Ω ϑαΩ∗∆2/2ϑ.∴+ϑ ∆ΧΛΥ#∀(%∃<ΝΦβ+Ψ ∆ς ∆∆Λ(∃ΦΦΝΦβ+Ψχχ∆Ζ ∆∆ΧΛ2ΦΝΟ∆Ζ ∆∆∆Λ2ΦΝ#3:Ε∆ ∆∆ΕΛ8∀3∀Π/7ΝΕΓ ∆∆ΓΛ2ΦΝ Εϑ ∆∆ϑΛ6Φ ./Ο(α6Ες ∆∆ΡΛ6Φ .ΗδεΕΖ ∆∆ςΛε(∗:∋!9Ν ΝΓ[ ∆ΕΛΨ9∃∃#:ΝΦβ+Ψ∃_# Γ∆ ∆ΕΧΛ]∃/Ν−Γ∆ ∆Ε∆Λ]∃/ ΦΓϑ ∆ΕΕΛ]∃/∗φ∋+ ΓΞ ∆ΕΓΛ]∃Ν4;∋4ΦΓΖ ∆ΕϑΛ]∃Τ∀3Η>ΨϑΧ ∆ΕΡΛ]∃+ ϑ∆ ∆ΕςΛ]∃3.ΙΟ4ΝϑΡ Κ: Ι∆ΡΧ ∗ΧΟ./<1ΨΛ/2β2χ∗Ψχ∗_.Λ∗3Ζ[2ΖΙΡ2−.∴+ϑ.]3.Ω∗Ξ./6.∗0./ Ω_22Ωϑα ΕΧΛ≅Ο .∃<Ο∃ _Νβ+Ψ∃_. Ρ∆ Ε∆ΛΩ−Φ:∃∃#:ΝΦβ+Ψ ΡΓ Ε∆ΧΛΩ−ΡΓ Ε∆ΧΧΛ:∋Θ/(: !#−∃Ο∃∃∃γ( #:ΦΝ ΡΓ Ε∆Χ∆Λη/(#φ/(ι∃∃Φ∗/ΝΡϑ Ε∆ΧΕΛ2!+∃∀∋−#:∗:Φι⊥∋ΘΠΜ∃∃ ΡΡ Ε∆ΧΓΛη/(ϕ ./0∀Π/7ΝΡΡ Ε∆ΧϑΛ;κΣ∃#∀Φ</Οα6Ρς Ε∆ΧΡΛΩΥ,::&ΙΟ4Ν/∀ΣΡΞ Ε∆ΧςΛΩ4/Ο7,;#+Φ/∗λ,: ∗−ΝΡΞ Ε∆ΧΞΛ(+∗λ#>Σ∃Σ3.Ν/7ΡΖ Ε∆ΧΖΛ∃−Ν∃∗∀µ/ΟΦα6 ΡΖ Ε∆ΧΧ[Λ&#∃%+7#:Νς[ Ε∆ΧΧΧΛΩν∃&∗</7∋Φ∃<ο(ςΧ Ε∆ΧΧ∆ΛΨ(+ς∆ Ε∆ΧΧΕΛ _Θ∗<∃ΦΙΟ4Ν ςΓ Ε∆ΧΧΓΛ Ι∃%#−Μ∃∃1ΥΝ#3 :χχχχχχχχχχχχχχχχχχχχχχχχχχχχχχχχχςΓ Ε∆∆ΛΩ−3.Νςϑ Ε∆ΕΛΩ−3.ΙΟ4Νςς Ε∆ΓΛΚ:Ο.Ι##−Μ . ςΖ Ε∆ΓΧΛ≅3.ΩΗςΖ Ε∆Γ∆Λ≅3.ΨΨΨ .ςΖ Ε∆ΓΕΛ≅3.Νβ+ΨΞ[ Κ: ΙΕχχχχχχχχχχχχχχχχχχχχχχχχχχΞ∆ +∗− Η77    )δ!  αΩ  πΨ ΙΦΥ1θΩ α∃,∗ππΨΨ+Η∃<β+Ψ α6  π6/Ο( >8β πΨ≅1 Η∃<β+Ψ ≅βΩΨ π≅ΙΟ4Ν ρα  πΨ≅θ ρη>6αΨΚπΨ ΙΦΥ1η4ΨΚϕβ+Ψ Η>Ψ  π6Τ∀3 Ηδε  π≅<4Ν εαΩδ6αΨΚπΨ ΙΦΥ1εσι Ι ρΩ2Ωδ6αΨΚπΨ ΙΦΥ1Κφ Ιβ+Ψ β>  πΨ ΙΦΥ1∴3:β+Ψ  β>ρΩδ6αΨΚπΨ ΙΦΥ1ΨΦ Ιβ+Ψ β>ρ>ΨαΨΚπΨ ΙΦΥ1Ω Ιβ+Ψ    )∀8∃?(ε  −∆Χπε3+ΝΟΝ:ΕΧτΧ∆τ[Ξ −∆∆πε3+Ν#3:Ν:ΕΧτΧ∆τ∆[[Ξ −∆Επε3 !α6:ΕΧτΧ∆τ∆[[Ξ <ο∆ΧπΟ1ΝΟ:ΕΧτΧ∆τ∆[[Ξ <ο∆∆πΟ1Ν#3::ΕΧτΧ∆τ[Ξ <ο∆Επ8∀3∀Π/7Ν∆[[ΞυϖβΨ≅Λ <ο∆Γπ8∀3Ν#3:∆[[Ξυ∃+Βε8Λ <ο∆ϑπε3 !α6# <ο∆Ρπ2+3ΗδεΦβ+Ψ:ΕΧτΧ∆τ∆[[Ξ                 Χ ?φΜ  =4.∗ΛγχΩ∗23ΩΛ[ϑ]ςΩ02  ∃91∋γ(∗⊥∃< .Φλλ1#∃&∃∀(∃ ω4 .Ω       + #−∋ 4  ! ∀− ϕ /Ο 7   7  ∃∀−ϕ.ξ!ψ77Φ+ 341/Φ∗6∃9∀−ϕλ ΝΝ∃_ξ!.Θ:∃< .∋λ ⊥_∗&ΩΗ∃∃ Ι−,.  !κ ∃ ∋⊥ Ι++Φ∋+!ξ!. 1 _∀Π/7≅3.%∀(∃_∀−ϕΝλ 1+#−Φ∋Φο ∗< #+ ν  !∗ ∋ο3 ∃Ν∋ 4/7Νχ Φ9!∀−ϕΤΦΝΘΤ %∃_⊥#ζλ∗9∃∃ΘΤ∃ _∀Π/7Ν /∗ϕ∃&∋:<,:κ:3∗#2#− 9∃∃∃3.Ν,Ο+Φ∋∃3. %,Ο+Φι,Ο4∋%− Ι+∃; ∗∗:#−3ξ+#−∗/λ<,Ο∀−8λ∋ +∋%<9∃∃Ν<⊥λ∃,+ ψι⊥∋κκ−<&∃∃∋+ΦΤ∃ω 4,Θν∋− Ι/+Μ() ⊥()λ∋&{σ−Φ:∃∃3.ΝΦ β+Ψ|Φ∀γ∗:% ∆ >ηΛ]4Λ∗./∗2−.Λι+ ≅ ∃Ι∀ωΜΥ#Ν∃∃λ<Θ−∃3. ,#:Ν %<(∃Φ∃∃ΤΘ−∃#:ΝΦβ+Ψ _#∋Ι,−∃∃∃λ ⊥(∃Φ ∃∋ ∃,&∗ +∋Θ4− ψι⊥∋κκ−<∃∃Υ43.Ν Φβ+Ψ∃_. σλ1∀(<,:,#∃#∃%∀Π/7Ν <Ο∃ _Ν∃<+#−Ι <92ΩΧϕ./Υ0χ∗_αΥ2./∗2−.Λι+ ∃4#.∃∃Ν Φβ+Ψ∃_#Ω∃∃:#., ∋ΝΙΟ4Ν κ∗ΧΟ./χ∗Ψχ./∗2−.Λι+ ∀Π/7 Ι3∗∋∋Υ!Κ:! Μ:Ν∋∃∃Ν∋(∃Φ∀∃∃ΝΦβ+Ψ_ #∗+(),−−∃#∃% #:/Ο7Ν<−#:4 λ3ΩΛγ+Ρ+Τ.Υµ. Ψ1ω1∗:∋ολΕ Ιπ Ω ΙΧπΩΙ∀ωΜΝ∃∃#:Ν  Ω Ι∆π(∃Φ∃∃#:ΝΦβ+Ψ∃_ # Ω ΙΕπΩ−Φ:∃∃#:ΝΦβ+Ψ 