{"id":23186,"date":"2025-10-21T10:35:47","date_gmt":"2025-10-21T03:35:47","guid":{"rendered":"https:\/\/base.vn\/blog\/?p=23186"},"modified":"2025-10-24T09:50:59","modified_gmt":"2025-10-24T02:50:59","slug":"cro-la-gi","status":"publish","type":"post","link":"https:\/\/base.vn\/blog\/cro-la-gi\/","title":{"rendered":"Chief Risk Officer l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u vai tr\u00f2 v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a CRO"},"content":{"rendered":"\n

CRO l\u00e0 g\u00ec?<\/strong> Chief Risk Officer (CRO) c\u00f3 vai tr\u00f2 v\u00e0 tr\u00e1ch nhi\u1ec7m nh\u01b0 th\u1ebf n\u00e0o trong doanh nghi\u1ec7p? \u1ee8ng vi\u00ean cho ch\u1ee9c v\u1ee5 Chief Risk Officer c\u1ea7n \u0111\u00e1p \u1ee9ng nh\u1eefng y\u00eau c\u1ea7u chuy\u00ean m\u00f4n v\u00e0 t\u1ed1 ch\u1ea5t n\u00e0o? Trong b\u00e0i vi\u1ebft n\u00e0y c\u1ee7a Base.vn<\/a>, ch\u00fang ta h\u00e3y c\u00f9ng nhau t\u00ecm hi\u1ec3u nh\u1eefng th\u00f4ng tin xoay quanh v\u1ecb tr\u00ed Chief Risk Officer (CRO) hay c\u00f2n g\u1ecdi l\u00e0 Gi\u00e1m \u0111\u1ed1c Qu\u1ea3n tr\u1ecb R\u1ee7i ro.<\/p>\n\n\n\n

1. CRO l\u00e0 g\u00ec?<\/h2>\n\n\n\n

Chief Risk Officer (CRO)<\/strong>, hay Gi\u00e1m \u0111\u1ed1c Qu\u1ea3n tr\u1ecb R\u1ee7i ro<\/strong>, l\u00e0 v\u1ecb tr\u00ed \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao ch\u1ecbu tr\u00e1ch nhi\u1ec7m x\u00e2y d\u1ef1ng v\u00e0 th\u1ef1c thi chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n cho doanh nghi\u1ec7p. CRO \u0111\u1ea3m nh\u1eadn vai tr\u00f2 nh\u1eadn di\u1ec7n, \u0111\u00e1nh gi\u00e1 v\u00e0 gi\u1ea3m thi\u1ec3u m\u1ecdi d\u1ea1ng r\u1ee7i ro, t\u1eeb t\u00e0i ch\u00ednh, v\u1eadn h\u00e0nh, tu\u00e2n th\u1ee7 cho \u0111\u1ebfn c\u00f4ng ngh\u1ec7 v\u00e0 danh ti\u1ebfng c\u1ee7a t\u1ed5 ch\u1ee9c.<\/p>\n\n\n\n

V\u1ecb tr\u00ed CRO b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n v\u00e0o cu\u1ed1i th\u1eadp ni\u00ean 1990 v\u00e0 \u0111\u1ea7u nh\u1eefng n\u0103m 2000, ch\u1ee7 y\u1ebfu trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng. S\u1ef1 ra \u0111\u1eddi c\u1ee7a vai tr\u00f2 n\u00e0y l\u00e0 k\u1ebft qu\u1ea3 t\u1ea5t y\u1ebfu cho m\u1ed9t nh\u00e2n s\u1ef1 qu\u1ea3n tr\u1ecb r\u1ee7i ro chuy\u00ean bi\u1ec7t sau c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u, nh\u1ea5t l\u00e0 kh\u1ee7ng ho\u1ea3ng di\u1ec5n ra trong giai \u0111o\u1ea1n 2007-2008.<\/p>\n\n\n\n

T\u1ea1i Vi\u1ec7t Nam, vai tr\u00f2 CRO \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n ph\u1ed5 bi\u1ebfn trong th\u1eadp k\u1ef7 qua, \u0111\u1eb7c bi\u1ec7t khi c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf nh\u01b0 Basel II v\u00e0 III \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong ng\u00e0nh ng\u00e2n h\u00e0ng. C\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng d\u1ea7n y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i c\u00f3 b\u1ed9 ph\u1eadn qu\u1ea3n tr\u1ecb r\u1ee7i ro chuy\u00ean tr\u00e1ch.<\/p>\n\n\n\n

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a v\u1ecb tr\u00ed CRO c\u0169ng \u0111\u00e3 ph\u1ea3n \u00e1nh t\u01b0 duy qu\u1ea3n tr\u1ecb hi\u1ec7n \u0111\u1ea1i: r\u1ee7i ro kh\u00f4ng ch\u1ec9 l\u00e0 y\u1ebfu t\u1ed1 c\u1ea7n ki\u1ec3m so\u00e1t m\u00e0 c\u00f2n l\u00e0 ph\u1ea7n kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c kinh doanh. Qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/a> kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 ph\u00f2ng tr\u00e1nh r\u1ee7i ro, m\u00e0 c\u00f2n l\u00e0 hi\u1ec3u bi\u1ebft v\u00e0 c\u00e2n b\u1eb1ng gi\u1eefa r\u1ee7i ro v\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 gi\u00fap doanh nghi\u1ec7p \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau cao c\u1ea3.<\/p>\n\n\n

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\"CRO
CRO l\u00e0 g\u00ec?<\/em><\/figcaption><\/figure><\/div>\n\n\n

2. Vai tr\u00f2, tr\u00e1ch nhi\u1ec7m v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a CRO<\/h2>\n\n\n\n

2.1 T\u1ea1i sao doanh nghi\u1ec7p c\u1ea7n CRO trong th\u1eddi \u0111\u1ea1i hi\u1ec7n nay?<\/h3>\n\n\n\n

M\u00f4i tr\u01b0\u1eddng kinh doanh ng\u00e0y nay \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u th\u00e1ch th\u1ee9c ch\u01b0a t\u1eebng c\u00f3, ch\u1eb3ng h\u1ea1n nh\u01b0 bi\u1ebfn \u0111\u1ed9ng \u0111\u1ecba ch\u00ednh tr\u1ecb, \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u, kh\u1ee7ng ho\u1ea3ng kh\u00ed h\u1eadu, v\u00e0 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nhanh ch\u00f3ng. M\u1ed7i y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec1u t\u1ea1o ra c\u00e1c r\u1ee7i ro ph\u1ee9c t\u1ea1p, \u0111an xen. Theo \u0111\u00f3, vai tr\u00f2 c\u1ee7a CRO c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng h\u01a1n bao gi\u1edd h\u1ebft, b\u1edfi v\u00ec:<\/p>\n\n\n\n

– T\u00ednh ph\u1ee9c t\u1ea1p c\u1ee7a r\u1ee7i ro ng\u00e0y c\u00e0ng t\u0103ng: <\/strong>M\u1ed1i li\u00ean h\u1ec7 gi\u1eefa c\u00e1c lo\u1ea1i r\u1ee7i ro kh\u00e1c nhau \u0111\u00f2i h\u1ecfi c\u00e1ch ti\u1ebfp c\u1eadn t\u1ed5ng th\u1ec3, c\u00f3 h\u1ec7 th\u1ed1ng.<\/p>\n\n\n\n

– Y\u00eau c\u1ea7u tu\u00e2n th\u1ee7 ng\u00e0y c\u00e0ng kh\u1eaft khe: <\/strong>C\u00e1c quy \u0111\u1ecbnh m\u1edbi v\u1ec1 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u, an ninh m\u1ea1ng v\u00e0 t\u00e0i ch\u00ednh y\u00eau c\u1ea7u doanh nghi\u1ec7p ph\u1ea3i c\u00f3 chi\u1ebfn l\u01b0\u1ee3c tu\u00e2n th\u1ee7 r\u00f5 r\u00e0ng.<\/p>\n\n\n\n

– K\u1ef3 v\u1ecdng cao h\u01a1n t\u1eeb c\u00e1c b\u00ean li\u00ean quan:<\/strong> C\u1ed5 \u0111\u00f4ng, kh\u00e1ch h\u00e0ng, \u0111\u1ed1i t\u00e1c v\u00e0 c\u1ed9ng \u0111\u1ed3ng \u0111\u1ec1u mong \u0111\u1ee3i doanh nghi\u1ec7p c\u00f3 ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro h\u1ee3p l\u00fd.<\/p>\n\n\n\n

– S\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7: <\/strong>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 mang l\u1ea1i c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c, \u0111\u00f2i h\u1ecfi doanh nghi\u1ec7p ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 qu\u1ea3n l\u00fd c\u00e1c r\u1ee7i ro li\u00ean quan.<\/p>\n\n\n\n

2.2 C\u00e1c lo\u1ea1i r\u1ee7i ro m\u00e0 CRO qu\u1ea3n l\u00fd<\/h3>\n\n\n\n

CRO ch\u1ecbu tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd nhi\u1ec1u lo\u1ea1i r\u1ee7i ro kh\u00e1c nhau, ti\u00eau bi\u1ec3u nh\u1ea5t l\u00e0:<\/p>\n\n\n\n

– R\u1ee7i ro chi\u1ebfn l\u01b0\u1ee3c:<\/strong> Li\u00ean quan \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh kinh doanh d\u00e0i h\u1ea1n v\u00e0 \u0111\u1ecbnh v\u1ecb tr\u00ean th\u1ecb tr\u01b0\u1eddng. CRO \u0111\u00e1nh gi\u00e1 c\u00e1c k\u1ebf ho\u1ea1ch m\u1edf r\u1ed9ng, s\u00e1p nh\u1eadp, \u0111\u1ea7u t\u01b0 m\u1edbi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u00fang ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a doanh nghi\u1ec7p. V\u00ed d\u1ee5, khi m\u1ed9t doanh nghi\u1ec7p quy\u1ebft \u0111\u1ecbnh r\u00fat lui kh\u1ecfi m\u1ea3ng b\u00e1n l\u1ebb \u0111\u1ec3 t\u1eadp trung v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 s\u1ea3n xu\u1ea5t, th\u00ec CRO c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u00e2n t\u00edch r\u1ee7i ro k\u1ef9 l\u01b0\u1ee1ng v\u00e0 sau \u0111\u00f3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n

– R\u1ee7i ro t\u00e0i ch\u00ednh: <\/strong>Bao g\u1ed3m r\u1ee7i ro t\u00edn d\u1ee5ng, th\u1ecb tr\u01b0\u1eddng, thanh kho\u1ea3n. CRO gi\u00e1m s\u00e1t c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0, n\u1ee3, v\u00e0 c\u1ea5u tr\u00fac v\u1ed1n c\u1ee7a doanh nghi\u1ec7p, \u0111\u1ea3m b\u1ea3o doanh nghi\u1ec7p c\u00f3 \u0111\u1ee7 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 v\u01b0\u1ee3t qua kh\u1ee7ng ho\u1ea3ng.<\/p>\n\n\n\n

– R\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 tu\u00e2n th\u1ee7:<\/strong> Li\u00ean quan \u0111\u1ebfn vi\u1ec7c tu\u00e2n th\u1ee7 lu\u1eadt ph\u00e1p, quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh. T\u1ea1i Vi\u1ec7t Nam, c\u00e1c doanh nghi\u1ec7p th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi thay \u0111\u1ed5i trong ch\u00ednh s\u00e1ch thu\u1ebf, lao \u0111\u1ed9ng, v\u00e0 b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng. CRO c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ea3m b\u1ea3o doanh nghi\u1ec7p lu\u00f4n c\u1eadp nh\u1eadt v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh m\u1edbi.<\/p>\n\n\n\n

– R\u1ee7i ro v\u1eadn h\u00e0nh:<\/strong> Bao g\u1ed3m c\u00e1c r\u1ee7i ro trong quy tr\u00ecnh l\u00e0m vi\u1ec7c h\u00e0ng ng\u00e0y, chu\u1ed7i cung \u1ee9ng, v\u00e0 hi\u1ec7u su\u1ea5t s\u1ea3n xu\u1ea5t. CRO gi\u00fap doanh nghi\u1ec7p x\u00e2y d\u1ef1ng quy tr\u00ecnh t\u1ed1i \u01b0u, linh ho\u1ea1t \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh ngay c\u1ea3 trong \u0111i\u1ec1u ki\u1ec7n b\u1ea5t l\u1ee3i.<\/p>\n\n\n\n

– R\u1ee7i ro danh ti\u1ebfng: <\/strong>Li\u00ean quan \u0111\u1ebfn h\u00ecnh \u1ea3nh v\u00e0 uy t\u00edn c\u1ee7a doanh nghi\u1ec7p. CRO ph\u00e1t tri\u1ec3n chi\u1ebfn l\u01b0\u1ee3c truy\u1ec1n th\u00f4ng kh\u1ee7ng ho\u1ea3ng v\u00e0 quy tr\u00ecnh qu\u1ea3n l\u00fd s\u1ef1 c\u1ed1 \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u01b0\u01a1ng hi\u1ec7u.<\/p>\n\n\n\n

– R\u1ee7i ro c\u00f4ng ngh\u1ec7 v\u00e0 an ninh m\u1ea1ng:<\/strong> Trong th\u1eddi \u0111\u1ea1i s\u1ed1, b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 duy tr\u00ec h\u1ec7 th\u1ed1ng th\u00f4ng tin tr\u1edf n\u00ean v\u00f4 c\u00f9ng c\u1ea5p thi\u1ebft. CRO ph\u1ed1i h\u1ee3p v\u1edbi Gi\u00e1m \u0111\u1ed1c An ninh Th\u00f4ng tin (CISO) \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a doanh nghi\u1ec7p.<\/p>\n\n\n\n

2.3 T\u00e1c \u0111\u1ed9ng c\u1ee7a CRO \u0111\u1ebfn hi\u1ec7u qu\u1ea3 kinh doanh<\/h3>\n\n\n\n

CRO kh\u00f4ng ch\u1ec9 gi\u00fap doanh nghi\u1ec7p ph\u00f2ng ng\u1eeba r\u1ee7i ro m\u00e0 c\u00f2n t\u1ea1o ra gi\u00e1 tr\u1ecb kinh doanh th\u00f4ng qua vi\u1ec7c:<\/p>\n\n\n\n

– C\u1ea3i thi\u1ec7n quy tr\u00ecnh ra quy\u1ebft \u0111\u1ecbnh: B\u1eb1ng c\u00e1ch t\u00edch h\u1ee3p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0o quy tr\u00ecnh ra quy\u1ebft \u0111\u1ecbnh, CRO gi\u00fap ban l\u00e3nh \u0111\u1ea1o c\u00e2n nh\u1eafc \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 r\u1ee7i ro v\u00e0 l\u1ee3i \u00edch.<\/p>\n\n\n\n

– T\u1ed1i \u01b0u h\u00f3a ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c: CRO gi\u00fap doanh nghi\u1ec7p ph\u00e2n b\u1ed5 v\u1ed1n v\u00e0 ngu\u1ed3n l\u1ef1c hi\u1ec7u qu\u1ea3, t\u1eadp trung v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c t\u1ea1o gi\u00e1 tr\u1ecb cao nh\u1ea5t v\u1edbi m\u1ee9c r\u1ee7i ro c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n

– C\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i: CRO x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i sau th\u1ea3m h\u1ecda, gi\u00fap doanh nghi\u1ec7p v\u01b0\u1ee3t qua kh\u1ee7ng ho\u1ea3ng trong th\u1eddi gian ng\u1eafn nh\u1ea5t.<\/p>\n\n\n\n

– T\u0103ng c\u01b0\u1eddng v\u0103n h\u00f3a qu\u1ea3n tr\u1ecb r\u1ee7i ro: CRO ph\u00e1t tri\u1ec3n v\u0103n h\u00f3a nh\u1eadn th\u1ee9c r\u1ee7i ro trong to\u00e0n t\u1ed5 ch\u1ee9c, khuy\u1ebfn kh\u00edch nh\u00e2n vi\u00ean nh\u1eadn di\u1ec7n v\u00e0 b\u00e1o c\u00e1o r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/p>\n\n\n\n

2.4 V\u00ed d\u1ee5 th\u1ef1c t\u1ebf v\u1ec1 vai tr\u00f2 c\u1ee7a CRO<\/h3>\n\n\n\n

T\u1ea1i Vi\u1ec7t Nam: Trong ng\u00e0nh ng\u00e2n h\u00e0ng, c\u00e1c CRO t\u1ea1i Vietcombank v\u00e0 BIDV \u0111\u00e3 gi\u00fap \u0111\u1ecbnh h\u00ecnh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb r\u1ee7i ro ph\u00f9 h\u1ee3p v\u1edbi chu\u1ea9n m\u1ef1c Basel II v\u00e0 III, n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh qu\u1ed1c t\u1ebf. Trong \u0111\u1ea1i d\u1ecbch COVID-19, CRO t\u1ea1i c\u00e1c c\u00f4ng ty nh\u01b0 FPT v\u00e0 Masan \u0111\u00e3 \u0111\u00f3ng vai tr\u00f2 then ch\u1ed1t trong vi\u1ec7c x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch \u1ee9ng ph\u00f3 kh\u1ee7ng ho\u1ea3ng, \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c v\u00e0 b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe nh\u00e2n vi\u00ean.<\/p>\n\n\n\n

Tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf: T\u1ea1i JPMorgan Chase, CRO gi\u00fap ng\u00e2n h\u00e0ng n\u00e0y v\u01b0\u1ee3t qua cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh 2008 v\u1edbi \u00edt thi\u1ec7t h\u1ea1i h\u01a1n nhi\u1ec1u \u0111\u1ed1i th\u1ee7 nh\u1edd chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ee7i ro th\u1eadn tr\u1ecdng. T\u1ea1i Allianz Care, m\u1ed9t trong nh\u1eefng t\u1eadp \u0111o\u00e0n b\u1ea3o hi\u1ec3m l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi, CRO \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh qu\u1ea3n l\u00fd r\u1ee7i ro to\u00e0n di\u1ec7n, v\u00e0 sau n\u00e0y tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n cho ng\u00e0nh b\u1ea3o hi\u1ec3m to\u00e0n c\u1ea7u.<\/p>\n\n\n

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\"Vai
Vai tr\u00f2, tr\u00e1ch nhi\u1ec7m v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a CRO<\/em><\/figcaption><\/figure><\/div>\n\n\n

3. Y\u00eau c\u1ea7u trong tuy\u1ec3n d\u1ee5ng, con \u0111\u01b0\u1eddng ph\u00e1t tri\u1ec3n v\u00e0 m\u1ee9c l\u01b0\u01a1ng c\u1ee7a Chief Risk Officer<\/h2>\n\n\n\n

3.1 Y\u00eau c\u1ea7u v\u1ec1 h\u1ecdc v\u1ea5n v\u00e0 b\u1eb1ng c\u1ea5p<\/h3>\n\n\n\n

\u0110\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t CRO, c\u00e1c \u1ee9ng vi\u00ean tr\u01b0\u1edbc ti\u00ean c\u1ea7n c\u00f3 n\u1ec1n t\u1ea3ng h\u1ecdc v\u1ea5n v\u1eefng ch\u1eafc, bao g\u1ed3m:<\/p>\n\n\n\n

– B\u1eb1ng \u0111\u1ea1i h\u1ecdc: T\u1ed1i thi\u1ec3u l\u00e0 b\u1eb1ng c\u1eed nh\u00e2n trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 t\u00e0i ch\u00ednh, k\u1ebf to\u00e1n, kinh t\u1ebf, qu\u1ea3n tr\u1ecb kinh doanh ho\u1eb7c lu\u1eadt.<\/p>\n\n\n\n

– B\u1eb1ng th\u1ea1c s\u0129: B\u1eb1ng th\u1ea1c s\u0129 (MBA, Th\u1ea1c s\u0129 Qu\u1ea3n tr\u1ecb R\u1ee7i ro, Th\u1ea1c s\u0129 T\u00e0i ch\u00ednh) l\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3. T\u1ea1i Vi\u1ec7t Nam, nhi\u1ec1u CRO trong c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 b\u1eb1ng th\u1ea1c s\u0129 t\u1eeb c\u00e1c tr\u01b0\u1eddng danh ti\u1ebfng trong n\u01b0\u1edbc ho\u1eb7c qu\u1ed1c t\u1ebf.<\/p>\n\n\n\n

– Ch\u1ee9ng ch\u1ec9 chuy\u00ean m\u00f4n: C\u00e1c ch\u1ee9ng ch\u1ec9 qu\u1ed1c t\u1ebf v\u1ec1 qu\u1ea3n tr\u1ecb r\u1ee7i ro gi\u00fap n\u00e2ng cao n\u0103ng l\u1ef1c chuy\u00ean m\u00f4n v\u00e0 c\u01a1 h\u1ed9i ngh\u1ec1 nghi\u1ec7p, bao g\u1ed3m:<\/p>\n\n\n\n