{"id":18636,"date":"2026-04-13T15:12:10","date_gmt":"2026-04-13T15:12:10","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/hiep-hoi-ngan-hang-hoa-ky-canh-bao-ve-nguy-co-tu-stablecoin-co-lai-suat-doi-voi-cho-vay-cong-dong\/"},"modified":"2026-04-13T15:12:10","modified_gmt":"2026-04-13T15:12:10","slug":"hiep-hoi-ngan-hang-hoa-ky-canh-bao-ve-nguy-co-tu-stablecoin-co-lai-suat-doi-voi-cho-vay-cong-dong","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/hiep-hoi-ngan-hang-hoa-ky-canh-bao-ve-nguy-co-tu-stablecoin-co-lai-suat-doi-voi-cho-vay-cong-dong\/","title":{"rendered":"Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 c\u1ea3nh b\u00e1o v\u1ec1 nguy c\u01a1 t\u1eeb stablecoin c\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay c\u1ed9ng \u0111\u1ed3ng"},"content":{"rendered":"<h2>Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 v\u00e0 C\u00e1c Stablecoin Thanh To\u00e1n<\/h2>\n<p>Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 \u0111ang <strong>t\u0103ng c\u01b0\u1eddng chi\u1ebfn d\u1ecbch ph\u1ea3n \u0111\u1ed1i<\/strong> c\u00e1c stablecoin thanh to\u00e1n c\u00f3 l\u00e3i su\u1ea5t, l\u1eadp lu\u1eadn r\u1eb1ng ch\u00fang c\u00f3 th\u1ec3 <strong>l\u00e0m c\u1ea1n ki\u1ec7t ti\u1ec1n g\u1eedi<\/strong> t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng v\u00e0 <strong>c\u1eaft gi\u1ea3m cho vay \u0111\u1ecba ph\u01b0\u01a1ng<\/strong> h\u00e0ng t\u1ef7 \u0111\u00f4 la, m\u1eb7c d\u00f9 m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Nh\u00e0 Tr\u1eafng \u0111\u00e3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro n\u00e0y.<\/p>\n<h2>Quan \u0111i\u1ec3m c\u1ee7a Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng<\/h2>\n<p>Trong m\u1ed9t b\u00e0i vi\u1ebft cho T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng ABA, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a hi\u1ec7p h\u1ed9i cho bi\u1ebft: <\/p>\n<blockquote><p>&#8220;M\u1ed1i quan t\u00e2m ch\u00ednh s\u00e1ch hi\u1ec7n t\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 vi\u1ec7c c\u1ea5m l\u00e3i su\u1ea5t tr\u00ean c\u00e1c stablecoin thanh to\u00e1n c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn cho vay ng\u00e2n h\u00e0ng hay kh\u00f4ng, m\u00e0 l\u00e0 vi\u1ec7c cho ph\u00e9p l\u00e3i su\u1ea5t tr\u00ean c\u00e1c stablecoin thanh to\u00e1n c\u00f3 th\u1ec3 khuy\u1ebfn kh\u00edch vi\u1ec7c r\u00fat ti\u1ec1n g\u1eedi \u2014 \u0111\u1eb7c bi\u1ec7t t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng \u2014 t\u1eeb \u0111\u00f3 l\u00e0m t\u0103ng chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 gi\u1ea3m cho vay \u0111\u1ecba ph\u01b0\u01a1ng.&#8221;<\/p><\/blockquote>\n<p>Ph\u00ea b\u00ecnh c\u1ee7a ABA nh\u1eafm v\u00e0o m\u1ed9t b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y t\u1eeb H\u1ed9i \u0111\u1ed3ng C\u1ed1 v\u1ea5n Kinh t\u1ebf Nh\u00e0 Tr\u1eafng, b\u00e1o c\u00e1o n\u00e0y \u0111\u00e3 m\u00f4 h\u00ecnh h\u00f3a t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c c\u1ea5m l\u00e3i su\u1ea5t tr\u00ean c\u00e1c stablecoin thanh to\u00e1n v\u00e0 nh\u1eadn th\u1ea5y r\u1eb1ng vi\u1ec7c lo\u1ea1i b\u1ecf l\u00e3i su\u1ea5t s\u1ebd ch\u1ec9 l\u00e0m t\u0103ng t\u1ed5ng s\u1ed1 kho\u1ea3n vay ng\u00e2n h\u00e0ng c\u1ee7a Hoa K\u1ef3 th\u00eam <strong>2,1 t\u1ef7 \u0111\u00f4 la<\/strong>, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng <strong>0,02%<\/strong>, v\u1edbi chi ph\u00ed kho\u1ea3ng <strong>800 tri\u1ec7u \u0111\u00f4 la m\u1ed7i n\u0103m<\/strong> do m\u1ea5t ph\u00fac l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<h2>Nh\u1eefng T\u00e1c \u0110\u1ed9ng \u0110\u1ed1i V\u1edbi Ng\u00e2n H\u00e0ng C\u1ed9ng \u0110\u1ed3ng<\/h2>\n<p>B\u00e0i vi\u1ebft c\u1ee7a ABA nh\u1ea5n m\u1ea1nh r\u1eb1ng khi m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng m\u1ea5t ti\u1ec1n g\u1eedi, <\/p>\n<blockquote><p>&#8220;n\u00f3 ph\u1ea3i thay th\u1ebf ngu\u1ed3n v\u1ed1n nhanh ch\u00f3ng \u2014 th\u01b0\u1eddng th\u00f4ng qua vi\u1ec7c vay b\u00e1n bu\u00f4n v\u1edbi chi ph\u00ed cao h\u01a1n,&#8221;<\/p><\/blockquote>\n<p> trong khi c\u0169ng t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u0111\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng c\u00f2n l\u1ea1i, d\u1eabn \u0111\u1ebfn <strong>chi ph\u00ed v\u1ed1n t\u0103ng l\u00ean<\/strong> v\u00e0 <strong>bi\u1ebfn th\u00e0nh \u00edt cho vay h\u01a1n<\/strong> v\u00e0 <strong>chi ph\u00ed vay cao h\u01a1n<\/strong> cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh v\u00e0 doanh nghi\u1ec7p nh\u1ecf.<\/p>\n<p>M\u1ed1i quan t\u00e2m n\u00e0y ph\u1ea3n \u00e1nh nghi\u00ean c\u1ee9u tr\u01b0\u1edbc \u0111\u00e2y \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn b\u1edfi National Law Review, \u0111\u00e3 n\u00eau b\u1eadt d\u1eef li\u1ec7u c\u1ee7a Independent Community Bankers of America cho th\u1ea5y r\u1eb1ng vi\u1ec7c cho ph\u00e9p l\u00e3i su\u1ea5t tr\u00ean c\u00e1c stablecoin thanh to\u00e1n c\u00f3 th\u1ec3 cu\u1ed1i c\u00f9ng l\u00e0m gi\u1ea3m cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng l\u00ean t\u1edbi <strong>850 t\u1ef7 \u0111\u00f4 la<\/strong> t\u1eeb \u01b0\u1edbc t\u00ednh <strong>1,3 ngh\u00ecn t\u1ef7 \u0111\u00f4 la<\/strong> trong t\u1ed5n th\u1ea5t ti\u1ec1n g\u1eedi.<\/p>\n<h2>Tri\u1ec3n V\u1ecdng T\u01b0\u01a1ng Lai v\u00e0 R\u1ee7i Ro<\/h2>\n<p>Ng\u01b0\u1ee3c l\u1ea1i, gi\u1ea3 \u0111\u1ecbnh c\u01a1 s\u1edf c\u1ee7a CEA cho r\u1eb1ng th\u1ecb tr\u01b0\u1eddng stablecoin &#8220;ch\u01b0a tr\u01b0\u1edfng th\u00e0nh&#8221; hi\u1ec7n nay kho\u1ea3ng <strong>300 t\u1ef7 \u0111\u00f4 la<\/strong> v\u00e0 t\u1eadp trung v\u00e0o vi\u1ec7c l\u01b0\u1ee3ng cho vay b\u1ed5 sung m\u00e0 m\u1ed9t l\u1ec7nh c\u1ea5m l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 t\u1ea1o ra, k\u1ebft lu\u1eadn r\u1eb1ng nh\u1eefng lo ng\u1ea1i v\u1ec1 vi\u1ec7c stablecoin l\u00e0m c\u1ea1n ki\u1ec7t ti\u1ec1n g\u1eedi l\u00e0 <strong>&#8220;nh\u1ecf v\u1ec1 m\u1eb7t \u0111\u1ecbnh l\u01b0\u1ee3ng&#8221;<\/strong> ngay c\u1ea3 trong c\u00e1c k\u1ecbch b\u1ea3n t\u1ed3i t\u1ec7 nh\u1ea5t.<\/p>\n<p>ABA \u0111\u00e3 \u0111\u1ea3o ng\u01b0\u1ee3c khung \u0111\u00f3, c\u1ea3nh b\u00e1o r\u1eb1ng trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng stablecoin tr\u1ecb gi\u00e1 <strong>1\u20132 ngh\u00ecn t\u1ef7 \u0111\u00f4 la<\/strong> trong t\u01b0\u01a1ng lai, l\u00e3i su\u1ea5t s\u1ebd l\u00e0 <strong>&#8220;c\u01a1 ch\u1ebf th\u00fac \u0111\u1ea9y vi\u1ec7c di c\u01b0 ra kh\u1ecfi ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng,&#8221;<\/strong> \u0111\u1eb7c bi\u1ec7t t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf sang c\u00e1c t\u1ed5 ch\u1ee9c l\u1edbn v\u00e0 v\u00e0o c\u00e1c d\u1ef1 tr\u1eef stablecoin ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi tr\u00e1i phi\u1ebfu Kho b\u1ea1c Hoa K\u1ef3.<\/p>\n<p>Khi Qu\u1ed1c h\u1ed9i \u0111ang th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c lu\u1eadt nh\u01b0 \u0110\u1ea1o lu\u1eadt GENIUS v\u00e0 \u0110\u1ea1o lu\u1eadt CLARITY \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c stablecoin thanh to\u00e1n v\u00e0, trong m\u1ed9t s\u1ed1 d\u1ef1 th\u1ea3o, c\u1ea5m ho\u1eb7c h\u1ea1n ch\u1ebf ch\u1eb7t ch\u1ebd l\u00e3i su\u1ea5t, c\u00e1c con s\u1ed1 c\u1ee7a ABA c\u00f3 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 <strong>\u0111\u1ea1n d\u01b0\u1ee3c ch\u00ednh tr\u1ecb<\/strong> ch\u1ed1ng l\u1ea1i &#8220;stablecoin nh\u01b0 m\u1ed9t s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m.&#8221; \u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng, <strong>r\u1ee7i ro l\u00e0 r\u1ea5t r\u00f5 r\u00e0ng<\/strong>: ho\u1eb7c c\u00e1c stablecoin v\u1eabn l\u00e0 c\u00f4ng c\u1ee5 thanh to\u00e1n kh\u00f4ng c\u00f3 l\u00e3i su\u1ea5t, ho\u1eb7c ch\u00fang tr\u1edf th\u00e0nh \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh l\u00e3i su\u1ea5t cao, c\u00f3 nguy c\u01a1 chuy\u1ec3n h\u01b0\u1edbng ti\u1ebft ki\u1ec7m \u0111\u1ecba ph\u01b0\u01a1ng ra kh\u1ecfi c\u00e1c kho\u1ea3n vay \u1edf th\u1ecb tr\u1ea5n nh\u1ecf v\u00e0 v\u00e0o c\u00e1c \u0111\u00f4 la k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c g\u1eedi trong v\u00ed \u1ee7y th\u00e1c v\u00e0 danh m\u1ee5c \u0111\u1ea7u t\u01b0 Kho b\u1ea1c.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 v\u00e0 C\u00e1c Stablecoin Thanh To\u00e1n Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 \u0111ang t\u0103ng c\u01b0\u1eddng chi\u1ebfn d\u1ecbch ph\u1ea3n \u0111\u1ed1i c\u00e1c stablecoin thanh to\u00e1n c\u00f3 l\u00e3i su\u1ea5t, l\u1eadp lu\u1eadn r\u1eb1ng ch\u00fang c\u00f3 th\u1ec3 l\u00e0m c\u1ea1n ki\u1ec7t ti\u1ec1n g\u1eedi t\u1eeb c\u00e1c ng\u00e2n h\u00e0n&#8230;<\/p>\n","protected":false},"author":3,"featured_media":18635,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[9318,7367,4332,11100,9864,4217,4204,5106],"class_list":["post-18636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-american-bankers-association","tag-clarity-act","tag-genius-act","tag-independent-community-bankers-of-america","tag-iowa","tag-legal","tag-usa","tag-white-house"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 c\u1ea3nh b\u00e1o v\u1ec1 nguy c\u01a1 t\u1eeb stablecoin c\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay c\u1ed9ng \u0111\u1ed3ng - CryptoZen<\/title>\n<meta name=\"description\" content=\"Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 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