{"id":13405,"date":"2022-01-08T15:00:00","date_gmt":"2022-01-08T08:00:00","guid":{"rendered":"https:\/\/www.fiahub.com\/blog\/?p=13405"},"modified":"2025-06-11T20:49:59","modified_gmt":"2025-06-11T13:49:59","slug":"nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong","status":"publish","type":"post","link":"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/","title":{"rendered":"CBDC l\u00e0 g\u00ec? To\u00e0n b\u1ed9 th\u00f4ng tin v\u1ec1 Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng"},"content":{"rendered":"\r\n<p>Hi\u1ec7n nay, ti\u1ec1n \u0111i\u1ec7n t\u1eed (Cryptocurrency) \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi v\u00e0 ng\u00e0nh ngh\u1ec1 \u0111\u00f3n nh\u1eadn, kh\u00f4ng ri\u00eang g\u00ec c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb m\u00e0 ngay c\u1ea3 nh\u1eefng t\u1ed5 ch\u1ee9c c\u0169ng b\u1eaft \u0111\u1ea7u \u0111\u1eb7t ch\u00e2n v\u00e0o th\u1ecb tr\u01b0\u1eddng n\u00e0y. Gi\u00e1 tr\u1ecb v\u1ed1n ho\u00e1 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n m\u00e3 ho\u00e1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u01b0\u1ee3t ngo\u00e0i 2,5 ngh\u00ecn t\u1ef7 USD.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Ngu\u1ed3n v\u1ed1n b\u00ean ngo\u00e0i li\u00ean t\u1ee5c \u0111\u1ed5 v\u00e0o ti\u1ec1n \u0111i\u1ec7n t\u1eed, b\u00ean c\u1ea1nh c\u00e1c lo\u1ea1i ti\u1ec1n ph\u1ed5 bi\u1ebfn nh\u01b0 <a href=\"https:\/\/www.fiahub.com\/blog\/bitcoin-la-gi-tong-quan-ve-dong-tien-dien-tu-dau-tien\/\" target=\"_blank\" rel=\"noopener\">Bitcoin<\/a> hay <a href=\"https:\/\/www.fiahub.com\/blog\/ethereum-la-gi-eth-la-gi-ethereum-tu-a-z\/\" target=\"_blank\" rel=\"noopener\">Ether<\/a>, c\u00e1c <a href=\"https:\/\/www.fiahub.com\/blog\/stablecoin-la-gi-uu-diem-va-nhuoc-diem-cua-stablecoin\/\" target=\"_blank\" rel=\"noopener\">Stablecoin <\/a>nh\u01b0 USDC hay USDT c\u0169ng \u0111\u01b0\u1ee3c neo theo t\u1ef7 l\u1ec7 1:1 v\u1edbi \u0111\u1ed3ng USD.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>C\u00e1c Stablecoin n\u00e0y g\u1eb7p nhi\u1ec1u s\u1ef1 gi\u00e1m s\u00e1t v\u00e0 qu\u1ea3n l\u00fd t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng th\u1ebf gi\u1edbi. Nhi\u1ec1u t\u1ed5 ch\u1ee9c xem s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a Stablecoin nh\u01b0 m\u1ed1i \u0111e d\u1ecda cho ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a Ch\u00ednh ph\u1ee7. T\u1eeb \u0111\u00f3, ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng (CBDC) \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u00e0 h\u1ed7 tr\u1ee3 nhi\u1ec1u h\u01a1n.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>B\u00e0i vi\u1ebft h\u00f4m nay, ch\u00fang ta s\u1ebd c\u00f9ng t\u00ecm hi\u1ec3u CBDC l\u00e0 g\u00ec v\u00e0 l\u00e0m r\u00f5 s\u1ef1 kh\u00e1c nhau gi\u1eefa CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/p>\r\n\r\n\r\n\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung b\u00e0i vi\u1ebft<\/p>\n<\/div><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:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Khai_niem\" >Kh\u00e1i ni\u1ec7m<\/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:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Stablecoin\" >Stablecoin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#CBDC_la_gi\" >CBDC 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-4\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Tien_dien_tu\" >Ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#So_sanh_CBDC_va_tien_dien_tu\" >So s\u00e1nh CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Tinh_phi_tap_trung\" >T\u00ednh phi t\u1eadp trung<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Tinh_an_danh\" >T\u00ednh \u1ea9n danh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Tinh_bao_dam\" >T\u00ednh b\u1ea3o \u0111\u1ea3m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Tien_dien_tu_va_CBDC_co_the_cung_ton_tai_hay_khong\" >Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 CBDC c\u00f3 th\u1ec3 c\u00f9ng t\u1ed3n t\u1ea1i hay kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Khai_niem\"><\/span>Kh\u00e1i ni\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>V\u1edbi nh\u1eefng ng\u01b0\u1eddi ch\u01b0a quen m\u1eb7t v\u1edbi thanh to\u00e1n ti\u1ec1n \u0111i\u1ec7n t\u1eed th\u00ec Stablecoin, ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 CBDC kh\u00e1 gi\u1ed1ng nhau. Tuy nhi\u00ean, th\u1ef1c t\u1ebf c\u00e1c lo\u1ea1i ti\u1ec1n n\u00e0y c\u00f3 nhi\u1ec1u \u0111i\u1ec3m ri\u00eang bi\u1ec7t.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Stablecoin\"><\/span><strong>Stablecoin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Nh\u1eefng th\u00e1ng cu\u1ed1i c\u00f9ng c\u1ee7a n\u0103m 2021, Stablecoin c\u00f3 kho\u1ea3ng 60 lo\u1ea1i v\u1edbi v\u1ed1n ho\u00e1 th\u1ecb tr\u01b0\u1eddng v\u01b0\u1ee3t 130 t\u1ef7 USD. C\u00e1c nh\u00e0 giao d\u1ecbch th\u01b0\u1eddng xuy\u00ean c\u00f3 th\u1ec3 th\u1ea5y c\u00e1c \u0111\u1ed3ng nh\u01b0 USDC, USDT, BUSD, TUSD, UST v\u00e0 DAI chi\u1ebfm h\u01a1n 95% v\u1ed1n ho\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ee7a lo\u1ea1i ti\u1ec1n n\u00e0y.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>N\u1ebfu CBDC \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 h\u1ed7 tr\u1ee3 th\u00ec Stablecoin ph\u1ea3i \u0111\u1ea3m b\u1ea3o th\u00f4ng qua hi\u1ec7n v\u1eadt c\u1ee7a \u0111\u1ed3ng ti\u1ec1n \u0111\u1ea1i di\u1ec5n ho\u1eb7c h\u1ed7n h\u1ee3p ti\u1ec1n t\u1ec7, t\u00e0i s\u1ea3n. C\u00e1c \u0111\u01a1n v\u1ecb ph\u00e1t h\u00e0nh USDT tuy\u00ean b\u1ed1 c\u00f3 m\u1ed9t kho\u1ea3n d\u1ef1 tr\u1eef \u0111\u1ee7 \u0111\u1ec3 1 USDT ngang b\u1eb1ng v\u1edbi 1 USD. Sau n\u00e0y, l\u1eadp tr\u01b0\u1eddng \u0111\u00e3 thay \u0111\u1ed5i b\u1eb1ng vi\u1ec7c d\u1ef1 c\u00e1c \u0111\u1ed3ng ti\u1ec1n truy\u1ec1n th\u1ed1ng v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng b\u1eb1ng ti\u1ec1n m\u1eb7t, tu\u1ef3 theo th\u1eddi \u0111i\u1ec3m, c\u00f3 bao g\u1ed3m t\u00e0i s\u1ea3n kh\u00e1c v\u00e0 kho\u1ea3n ph\u1ea3i thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng cho vay.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"CBDC_la_gi\"><\/span><strong>CBDC l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>CBDC hay ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng, \u0111\u01b0\u1ee3c ban h\u00e0nh theo quy \u0111\u1ecbnh c\u1ee7a ch\u00ednh ph\u1ee7, \u0111\u00f3ng vai tr\u00f2 nh\u01b0 h\u1ed3 s\u01a1 \u0111i\u1ec7n t\u1eed ho\u1eb7c token c\u1ee7a \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 ch\u00ednh th\u1ee9c c\u1ee7a nh\u00e0 n\u01b0\u1edbc ph\u00e1t h\u00e0nh. V\u00ed d\u1ee5 nh\u01b0 \u0111\u1ed3ng USD hay EUR l\u00e0 ti\u1ec1n ph\u00e1p \u0111\u1ecbnh. Ti\u1ec1n CBDC b\u1ea3o \u0111\u1ea3m b\u1eb1ng s\u1ef1 t\u00edn nhi\u1ec7m v\u00e0 ni\u1ec1m tin v\u1edbi ch\u00ednh ph\u1ee7, tr\u00e1i ng\u01b0\u1ee3c ho\u00e0n to\u00e0n v\u1edbi ti\u1ec1n m\u00e3 ho\u00e1 phi t\u1eadp trung kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea5t k\u1ef3 nh\u00e0 n\u01b0\u1edbc n\u00e0o h\u1ed7 tr\u1ee3.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Tien_dien_tu\"><\/span><strong>Ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Trong t\u00e0i kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n c\u1ea7u \u0111\u1ec1u l\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed, ho\u1ea1t \u0111\u1ed9ng theo c\u00e1c nguy\u00ean t\u1eafc d\u1ef1a tr\u00ean h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Hoa K\u1ef3, t\u1eeb \u0111\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng kho\u1ea3n d\u1ef1 tr\u1eef c\u1ee7a ng\u00e2n h\u00e0ng.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>\u1ede Hoa K\u1ef3, ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean m\u1ed9t h\u1ec7 th\u1ed1ng t\u00ean l\u00e0 ng\u00e2n h\u00e0ng d\u1ef1 tr\u1eef m\u1ed9t ph\u1ea7n v\u00e0 ch\u1ec9 d\u1ef1 tr\u1eef m\u1ed9t ph\u1ea7n nh\u1ecf ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng. Vi\u1ec7c chuy\u1ec3n ti\u1ec1n t\u1eeb b\u00ean n\u00e0y sang b\u00ean kia b\u1eb1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed, c\u00e1c giao d\u1ecbch di\u1ec5n ra tr\u00ean n\u1ec1n t\u1ea3ng h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh hi\u1ec7n h\u1eefu ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u01b0 Blockchain v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Stablecoin hay CBDC.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>CBDC an to\u00e0n h\u01a1n ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 an to\u00e0n h\u01a1n Stablecoin d\u1ef1a v\u00e0o t\u00ednh phi t\u1eadp trung, CBDC c\u0169ng c\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n ho\u00e1 vi\u1ec7c tri\u1ec3n khai ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 c\u00e1c qu\u1ed1c gia qua C\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n.\u00a0<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-13406\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/01\/a2-1.jpg\" alt=\"crypto, stablecoin, CBDC, ti\u1ec1n ph\u00e1p \u0111\u1ecbnh\" width=\"900\" height=\"600\" \/>\r\n<figcaption><span class=\"tadv-color\" style=\"color: #000000;\">Ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn v\u00e0 ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn tr\u00ean to\u00e0n c\u1ea7u<\/span><\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"So_sanh_CBDC_va_tien_dien_tu\"><\/span>So s\u00e1nh CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Tinh_phi_tap_trung\"><\/span><strong>T\u00ednh phi t\u1eadp trung<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u00f3 t\u00ednh phi t\u1eadp trung c\u00f2n CBDC c\u00f3 t\u00ednh t\u1eadp trung, \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t v\u00e0 qu\u1ea3n l\u00fd, s\u1edf h\u1eefu b\u1edfi ch\u00ednh ph\u1ee7 ph\u00e1t h\u00e0nh ho\u1eb7c \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>T\u00ednh t\u1eadp trung c\u1ee7a CBDC th\u1ec3 hi\u1ec7n qua c\u01a1 ch\u1ebf ho\u1ea1ch \u0111\u1ecbnh, ra quy\u1ebft \u0111\u1ecbnh g\u1eafn v\u1edbi \u0111\u1ed3ng ti\u1ec1n \u0111\u00f3 s\u1ebd t\u1eadp trung t\u1ea1i m\u1ed9t \u0111\u1ea7u m\u1ed1i c\u1ee5 th\u1ec3 trong h\u1ec7 th\u1ed1ng. Ng\u00e2n h\u00e0ng Trung \u01af\u01a1ng c\u1ee7a m\u1ed7i qu\u1ed1c gia s\u1ebd \u0111\u01b0a ra m\u1ecdi quy\u1ebft \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn CBDC m\u00e0 ng\u01b0\u1eddi d\u00e2n n\u1eafm gi\u1eef, b\u1ea5t c\u1ee9 l\u00fac n\u00e0o. Nghe c\u00f3 v\u1ebb kh\u00f4ng kh\u00e1c g\u00ec so v\u1edbi ti\u1ec1n ph\u00e1p \u0111\u1ecbnh\/ ti\u1ec1n gi\u1ea5y, tuy nhi\u00ean n\u00f3 c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 ki\u1ec3m so\u00e1t m\u1edbi m\u00e0 ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng \u00e1p d\u1ee5ng. CBDC l\u00e0 \u0111\u1ed3ng ti\u1ec1n c\u00f3 th\u1ec3 l\u1eadp tr\u00ecnh hi\u1ec7u qu\u1ea3.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Tinh_an_danh\"><\/span><strong>T\u00ednh \u1ea9n danh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Ti\u1ec1n \u0111i\u1ec7n t\u1eed truy\u1ec1n th\u1ed1ng m\u1ea5t \u0111i t\u00ednh \u1ea9n danh c\u1ee7a ng\u01b0\u1eddi n\u1eafm gi\u1eef. V\u1edbi ETH hay BTC th\u00ec vi\u1ec7c mua b\u00e1n \u1ea9n danh th\u00f4ng qua giao th\u1ee9c peer-to-peer hay tr\u1ef1c ti\u1ebfp gi\u1eefa c\u00e1c v\u00ed, th\u00ec t\u00ednh t\u1eadp trung c\u1ee7a CBDC c\u0169ng t\u1ea1o ra h\u1ec7 sinh th\u00e1i m\u00e0 \u1edf \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 r\u00e0ng bu\u1ed9c, theo s\u00e1t bi\u1ebfn \u0111\u1ed9ng c\u1ee7a ti\u1ec1n k\u0129 thu\u1eadt s\u1ed1 do h\u1ecd ph\u00e1t h\u00e0nh. Ti\u1ec1n gi\u1ea5y c\u0169ng c\u00f3 th\u1ec3 giao d\u1ecbch \u1ea9n danh.<\/p>\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Tinh_bao_dam\"><\/span><strong>T\u00ednh b\u1ea3o \u0111\u1ea3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>BTC \u0111\u01b0\u1ee3c xem nh\u01b0 \u201cv\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1\u201d d\u00f9 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t k\u1ef3 lo\u1ea1i h\u00e0ng ho\u00e1 hay t\u00e0i s\u1ea3n n\u00e0o. T\u1ea5t c\u1ea3 xu\u1ea5t ph\u00e1t t\u1eeb l\u00f2ng tin c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Ng\u01b0\u1ee3c l\u1ea1i, CBDC l\u1ea1i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1edfi s\u1ef1 t\u00edn nhi\u1ec7m v\u00e0o Ch\u00ednh ph\u1ee7, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ti\u1ec1n gi\u1ea5y ph\u00e1p \u0111\u1ecbnh.\u00a0\u00a0<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" class=\"wp-image-13407\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/01\/a1-4.jpg\" alt=\"crypto, stablecoin, CBDC, ti\u1ec1n ph\u00e1p \u0111\u1ecbnh\" width=\"900\" height=\"600\" \/>\r\n<figcaption><span class=\"tadv-color\" style=\"color: #000000;\">CBDC \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 ph\u00e1t h\u00e0nh d\u01b0\u1edbi d\u1ea1ng token s\u1ed1 ho\u00e1 ti\u1ec1n ph\u00e1p \u0111\u1ecbnh<\/span><\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tien_dien_tu_va_CBDC_co_the_cung_ton_tai_hay_khong\"><\/span>Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 CBDC c\u00f3 th\u1ec3 c\u00f9ng t\u1ed3n t\u1ea1i hay kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>\u1ede m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng di\u1ec7n, ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 CBDC l\u00e0 hai th\u00e1i c\u1ef1c \u0111\u1ed1i l\u1eadp ho\u00e0n to\u00e0n, nh\u01b0 t\u00ednh t\u1eadp trung\/ phi t\u1eadp trung, h\u1eefu danh\/ \u1ea9n danh, ri\u00eang t\u01b0\/ c\u00f4ng khai, d\u1ef1a tr\u00ean c\u01a1 s\u1edf ni\u1ec1m tin\u2026\u00a0<\/p>\r\n\r\n\r\n\r\n<p>V\u1eady li\u1ec7u CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ef1c s\u1ef1 lo\u1ea1i tr\u1eeb l\u1eabn nhau v\u00e0 vi\u1ec7c ch\u1ecdn \u0111\u1ed3ng ti\u1ec1n n\u00e0y c\u00f3 ngh\u0129a l\u00e0 lo\u1ea1i b\u1ecf \u0111\u1ed3ng ti\u1ec1n kia?\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Hi\u1ec7n nay, ti\u1ec1n ph\u00e1p \u0111\u1ecbnh \u0111ang gi\u1eef v\u1ecb tr\u00ed \u0111\u1ed9c t\u00f4n nh\u01b0ng c\u00f3 r\u1ea5t nhi\u1ec1u lo\u1ea1i ti\u1ec1n kh\u00e1c nhau. H\u01a1n n\u1eefa, ti\u1ec1n ph\u00e1p \u0111\u1ecbnh kh\u00f4ng h\u1eb3n l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n trao \u0111\u1ed5i v\u00e0 giao d\u1ecbch duy nh\u1ea5t. C\u00e1c lo\u1ea1i h\u00e0ng ho\u00e1 nh\u01b0 v\u00e0ng, b\u1ea1c, \u0111\u1ed3ng hay d\u1ea7u m\u1ecf c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng n\u00e0y.<\/p>\r\n\r\n\r\n\r\n<p>Nhi\u1ec1u kh\u1ea3 n\u0103ng CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed &#8211; bao g\u1ed3m c\u1ea3 Stablecoin c\u0169ng s\u1ebd c\u00f9ng t\u1ed3n t\u1ea1i. Ngo\u00e0i vi\u1ec7c mang \u0111\u1ebfn nhi\u1ec1u h\u00ecnh th\u1ee9c thanh to\u00e1n, n\u00f3 c\u00f2n c\u00f3 th\u1ec3 th\u00edch h\u1ee3p v\u1edbi t\u1eebng b\u00ean trong giao d\u1ecbch, gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 v\u1ea5n \u0111\u1ec1 ri\u00eang bi\u1ec7t.\u00a0\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u00e2u n\u0103m s\u1ebd l\u1ef1a ch\u1ecdn CBDC, \u0111\u1eb7t ni\u1ec1m tin v\u00e0o t\u00ednh ri\u00eang t\u01b0 c\u1ee7a Blockchain c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf c\u1ee7a Ch\u00ednh ph\u1ee7 m\u00e0 h\u1ecd quan t\u00e2m. M\u1ed9t c\u00f4ng d\u00e2n b\u00ecnh th\u01b0\u1eddng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn ti\u1ec1n \u0111i\u1ec7n t\u1eed ho\u1eb7c Stablecoin, \u0111\u1eb7t ni\u1ec1m tin v\u00e0o c\u00f4ng ngh\u1ec7 Blockchain h\u01a1n l\u00e0 ch\u00ednh ph\u1ee7 do y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh kh\u00f4ng \u1ed5n \u0111\u1ecbnh.\u00a0<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" class=\"wp-image-13408\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2022\/01\/a3-2.jpg\" alt=\"crypto, stablecoin, CBDC, ti\u1ec1n ph\u00e1p \u0111\u1ecbnh\" width=\"900\" height=\"600\" \/>\r\n<figcaption><span class=\"tadv-color\" style=\"color: #000000;\">Li\u1ec7u ti\u1ec1n ph\u00e1p \u0111\u1ecbnh k\u1ef9 thu\u1eadt s\u1ed1, stablecoin v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 song song c\u00f9ng t\u1ed3n t\u1ea1i? <\/span><\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>M\u1eb7c d\u00f9 ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 CBDC b\u1eaft ngu\u1ed3n t\u1eeb kh\u00e1i ni\u1ec7m ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1\/ti\u1ec1n m\u00e3 h\u00f3a, nh\u01b0ng m\u1ecdi lo\u1ea1i ti\u1ec1n l\u1ea1i c\u00f3 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m v\u00e0 t\u00ednh n\u0103ng ri\u00eang bi\u1ec7t. M\u1ed7i doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00f9ng s\u1ebd c\u1ea7n d\u1ef1a tr\u00ean t\u00ednh n\u0103ng kh\u00e1c nhau n\u00e0y \u0111\u1ec3 l\u1ef1a ch\u1ecdn lo\u1ea1i ti\u1ec1n n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Th\u1ebf gi\u1edbi \u0111ang ti\u1ebfp t\u1ee5c \u0111\u00f3n nh\u1eadn nhi\u1ec1u s\u00e1ng ki\u1ebfn m\u1edbi, nh\u01b0ng c\u00f3 th\u1ec3 ch\u1eafc ch\u1eafn r\u1eb1ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd \u0111\u00f3ng vai trong quan tr\u1ecdng. CBDC ch\u00ednh l\u00e0 c\u00e1ch \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ed1 ho\u00e1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, khi c\u00e1c n\u1ec1n kinh t\u1ebf ti\u00ean ti\u1ebfn c\u00f3 th\u1ec3 xem ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 c\u00f4ng c\u1ee5 ti\u1ebfp theo h\u1ed7 tr\u1ee3 v\u00e0 c\u1ea3i thi\u1ec7n nh\u1eefng ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 tr\u01b0\u1edbc \u0111\u00e2y.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>B\u00e0i vi\u1ebft tr\u00ean \u0111\u00e2y \u0111\u00e3 gi\u00fap b\u1ea1n hi\u1ec3u \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a CBDC (ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng) l\u00e0 g\u00ec. CBDC v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed kh\u00e1c bi\u1ec7t nh\u01b0 th\u1ebf n\u00e0o?<br \/>C\u1ea3m \u01a1n s\u1ef1 theo d\u00f5i v\u00e0 \u0111\u00f3n \u0111\u1ecdc c\u1ee7a c\u00e1c b\u1ea1n. \u0110\u1eebng b\u1ecf qua nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch tr\u00ean <a href=\"https:\/\/fiahub.com\/blog\" target=\"_blank\" rel=\"noopener\">website<\/a> c\u1ee7a ch\u00fang t\u00f4i. M\u1ecdi th\u1eafc m\u1eafc c\u1ea7n gi\u1ea3i \u0111\u00e1p v\u1ec1 th\u1ecb tr\u01b0\u1eddng crypto, vui l\u00f2ng li\u00ean h\u1ec7 \u0111\u1ed9i ng\u0169 Support c\u1ee7a Fiahub 24\/7.\u00a0<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Hi\u1ec7n nay, ti\u1ec1n \u0111i\u1ec7n t\u1eed (Cryptocurrency) \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi v\u00e0 ng\u00e0nh ngh\u1ec1 \u0111\u00f3n nh\u1eadn, kh\u00f4ng ri\u00eang g\u00ec c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb m\u00e0 ngay c\u1ea3 nh\u1eefng t\u1ed5 ch\u1ee9c c\u0169ng b\u1eaft \u0111\u1ea7u \u0111\u1eb7t ch\u00e2n v\u00e0o th\u1ecb tr\u01b0\u1eddng n\u00e0y. Gi\u00e1 tr\u1ecb v\u1ed1n ho\u00e1 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n m\u00e3 ho\u00e1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u01b0\u1ee3t ngo\u00e0i 2,5<\/p>\n","protected":false},"author":24,"featured_media":13409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21850],"tags":[3146,3184,3115,153,3140],"class_list":{"0":"post-13405","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tu-dien-crypto","8":"tag-cryptocurrencies","9":"tag-cryptocurrency","10":"tag-ethereum","11":"tag-mua-bitcoin","12":"tag-tien-dien-tu"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CBDC (Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01af\u01a1ng l\u00e0 g\u00ec? - Fiahub<\/title>\n<meta name=\"description\" content=\"Ng\u00e0y h\u00f4m nay, c\u00f9ng Fiahub t\u00ecm hi\u1ec3u v\u1ec1 ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 ph\u00e1p \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiahub.com\/blog\/nhung-dieu-ban-can-biet-ve-tien-ky-thuat-so-va-tien-ky-thuat-so-phap-dinh-cua-ngan-hang-trung-uong\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CBDC l\u00e0 g\u00ec? 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