phát triển thanh toán không dùng tiền mặt hàng tmcp đầu tư và phát triển việt nam sở giao dịch III

Trờng Đại học KINH Tế QuốC DÂN


nGUYễN mỹ hạNH
Phát triển thanh toán không dùng tiền mặt
tại Ngân hàng TMCP Đầu t và phát triển
Việt Nam - Sở giao dịch III
CHUYấN NGNH: KINH T TI CHNH NGN HNG
Ngời hớng dẫn khoa học:
pgs.TS nguyễn Hữu Tài
Hà nội, năm 2014
MỤC LỤC
CHƯƠNG 1: TỔNG QUAN VỀ THANH TOÁN KHỒNG DÙNG TIỀN MẶT TẠI NGÂN HÀNG
THƯƠNG MẠI II
Về sự phát triển của các kênh thanh toán vi
Về chất lượng phục vụ trong công tác thanh toán của ngân hàng vii
 
!"#$%&'()*+*,
-.&(/(0%&(1%
&("2("$3%$44+5$**625
,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

CHƯƠNG 1 4
TỔNG QUAN VỀ THANH TOÁN KHỒNG DÙNG TIỀN MẶT TẠI NGÂN HÀNG THƯƠNG MẠI 4
7,7,489
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
:
1.1.1. Sự cần thiết của thanh toán không dùng tiền mặt 4
1.1.2. Vai trò của thanh toán không dùng tiền mặt 5
1.1.3. Những quy định của Pháp luật Việt Nam về thanh toán không dùng tiền mặt 7

1.1.4. Các công cụ thanh toán không dùng tiền mặt 9
1.1.4.1. Thẻ thanh toán 9
Theo quy chế phát hành, thanh toán, sử dụng và cung cấp dịch vụ hỗ trợ hoạt động thẻ ngân hàng ban
hành kèm theo Quyết định số 20/2007/QĐ-NHNN ngày 15/05/2007 của Ngân hàng nhà nước Việt Nam
“Thẻ ngân hàng là phương tiện do tổ chức phát hành thẻ phát hành để thực hiện giao dịch thẻ theo các
điều kiện và điều khoản được các bên thỏa thuận”. “Thẻ thanh toán là một phương tiện thanh toán
điện tử do một ngân hàng/tổ chức phát hành, cho phép chủ thẻ sử dụng để thanh toán hàng hoá, dịch
vụ hoặc để rút tiền mặt trong phạm vi số tiền trên tài khoản của khách hàng hoặc trong hạn mức tín
dụng của thẻ.” 9
7,;,<=( $-64>54896
>
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
;?
1.2.1. Nhóm chỉ tiêu định lượng 29
1.2.2. Nhóm chỉ tiêu định tính 32
7,@,".489
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
@:
1.3.1.Các nhân tố khách quan 34
1.3.2.Các nhân tố chủ quan 36
;,7,A8(.4+$B$-C2D
,
@E
2.1.1 Quá trình hình thành và phát triển của Sở Giao Dịch III BIDV 37
2.1.2. Cơ cấu tổ chức của Sở Giao Dịch III BIDV 38
2.1.3.Khái quát chung về tình hình hoạt động kinh doanh của Sở Giao Dịch III 39
;,;, 4>5489>(.4+2
,,,,,,,,,,,
:;
2.2.2.1. Thị phần thị trường 44

2.2.2.3. Sự gia tăng số lượng tài khoản thanh toán 48
(Nguồn: Báo cáo đánh giá hoạt động dịch vụ Sở giao dịch III BIDV 2011-2013) 48
2.2.2.4. Mở rộng mạng lưới thanh toán 49
2.2.2.5. Tính đa dạng của các sản phẩm dịch vụ 49
(Nguồn: Báo cáo đánh giá hoạt động dịch vụ Sở giao dịch III BIDV 2011-2013) 50
2.2.2.5. Sự phát triển của các kênh thanh toán 57
2.2.2.6. Chất lượng phục vụ trong công tác thanh toán của ngân hàng 60
e. Về tốc độ tăng trưởng doanh số và lợi nhuận 64
2.2.3. Đánh giá thực trạng hoạt động thanh toán không dùng tiền mặt của khách hàng tại Sở giao dịch
III BIDV giai đoạn 2011-2013 65
2.2.3.1. Những kết quả đạt được 65
2.2.3.2. Hạn chế và nguyên nhân 67
a. Hạn chế trong việc phát triển hoạt động thanh toán không dùng tiền mặt tại BIDV Sở giao dịch III 67
CHƯƠNG 3 73
GIẢI PHÁP PHÁT TRIỂN HOẠT ĐỘNG THANH TOÁN KHÔNG DÙNG TIỀN MẶT TẠI SỞ
GIAO DỊCH III BIDV 73
@,7,+$-4>5489>(.4+
2
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E@
3.1.1 Định hướng chung hoạt động kinh doanh Sở giao dịch III BIDV 73
3.1.2. Định hướng đối với hoạt động thanh toán không dùng tiền mặt 75
@,;,"$$$-4>5489>2(.4+

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EF
@,;,7,G&.4"4
,,,,,,,,,,,,,,,,,,,,,
EF
14G 665%1$H

84$%54,2IG$1J K'
8,40%L89B$-%G&.
4"4%MN4$ "
1$425=4",(.B1*+&+O
1J-$-(4"%"0
6*%!.4"%5$H891BG%$&+*L$%
4%APL4%.BQ
QAP%+%0=RG4
4% &(GIS$&$T%S$&()
*+*/%U0H=/J1,
4ONK>G$H4>5%=25
=6(.B=8%15%"&8OV6
.4"4%0-+N8/
,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EF
@,;,;,G$*(J8%"2"4W
8()*+*
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
B(4>J084+
()*G+*4&6-G%
("$3GJ,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
$B0+()4+(.4+<X>.()
*+*6%6%-8>%4()*+*
T- H8>%$4(%480+*,BG
%L=4("$3&Y2%00
- L4"%-8"44

UBG$"G14+%0H$GJ
N%ZG+*)=G%
>,(.4+BG$*&(GI%S$&$
T%S$&N=/B4/O+*[2%
S$&L$G2+4-()*+*U=(.A'J&6(.%0
HG$1("$3+/,B44$'BG
Q%G$0$4$\$J$- %
G$+("$3+*4%=B0244=G" %1
JZ0/-G$*$$-+*,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
@,;,@,/N"2!"6(.4+
,,,,,,,,,,,,,,,,,
E]
 
!"#$%&'()*+*,
-.&(/(0%&(1%
&("2("$3%$44+5$**625
,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
8&(/(0^%L8>Q
%*-4&(I(L.5(>A$B0
$B4(420(.4+0=,-QJ8
"ZZ.5$-%&(/(0
=B%'_(.4+BHB
Q,G$*$-&(/(0%0
4+N=(.%(8)X@``M.=W+$S%G%(
181J9X,ZBHG 
4>$J$+G%9-6X0%0&GG

A%&%(.&U6,!P9"2"4%
+( 162%(.4+%0%0$$B4
"/(0,=Q%0(8)2!X7
aM.=!4'5O=G$(bJ.&(/(0
%&*JS$&-8=@McOd
.+*+/IU
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
4%4&LB$(6%25
WJ44+-GN>4( 1
4,$"M6%92%
G%8/BJ)O
0%+$N,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
DANH MỤC CÁC CHỮ CÁI VIẾT TẮT
 efghigehjkgelmn
 efghigehigjop
 efghige
 qrstuvgh
 hwgelnghthjghfgxfg
 inyhz{gtn|ge}n
 ~ren•zxvphgefghiget€u•geCqtzl•tnp‚ƒƒ‚„•phng‚D
$4( n…lph†‡ghˆgth‰C$zngtzŠ(•ƒ‚D
$ hjkgelmnp‹‡hŒg
 q{gƒ•x€~g
 €•phŽguvghphs
 h•luvghx€~g
 •nt„j‘ge
 mn•6rth~p

 q{gt„vt’gx“ge
 q{gƒ•„”n„z
 n•zxvphyh~phhigep~ghfg
 n•zxvphyh~phhigexz•ghgehn•‡
 inph’ghystz~g
 shzmpht‹geh–‡
 ‹phwphighph’gh
$ $h—geen•zxvpheqr˜gh•ge
 q™tnstyn•lšfr
 „qgetflth•ghtz~g
 h•ghtz~g›qœpts
 fqƒmp•••gph‚žt‚„gnt‚x
 Ÿƒ••gtzig œgtœnthn…q
2 h•ghtz~g•¡t„}
4 Ÿƒ•ƒ–nghqˆg„—get„¢gt‹getinž{g
4 Ÿƒ•ƒ–nghqˆgt„¢g œgph”ž£h¤q
2 efghige•~gƒ‰
(( vph “tnggh¥gge¥gC(hz„t‚žž•e‚(‚„ np‚žD
¦q{gƒ• ixvph “yhz›q™
 itn…q$$iztmz i›q{gƒ•tn…qp†q‡hŒgp†‡‡h~t
DANH MỤC HÌNH VẼ, SƠ ĐỒ, BẢNG BIỂU
HÌNH VẼ
CHƯƠNG 1: TỔNG QUAN VỀ THANH TOÁN KHỒNG DÙNG TIỀN MẶT TẠI NGÂN HÀNG
THƯƠNG MẠI II
Về sự phát triển của các kênh thanh toán vi
Về chất lượng phục vụ trong công tác thanh toán của ngân hàng vii
 
!"#$%&'()*+*,
-.&(/(0%&(1%
&("2("$3%$44+5$**625

,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

CHƯƠNG 1 4
TỔNG QUAN VỀ THANH TOÁN KHỒNG DÙNG TIỀN MẶT TẠI NGÂN HÀNG THƯƠNG MẠI 4
7,7,489
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
:
1.1.1. Sự cần thiết của thanh toán không dùng tiền mặt 4
1.1.2. Vai trò của thanh toán không dùng tiền mặt 5
1.1.3. Những quy định của Pháp luật Việt Nam về thanh toán không dùng tiền mặt 7
1.1.4. Các công cụ thanh toán không dùng tiền mặt 9
1.1.4.1. Thẻ thanh toán 9
Theo quy chế phát hành, thanh toán, sử dụng và cung cấp dịch vụ hỗ trợ hoạt động thẻ ngân hàng ban
hành kèm theo Quyết định số 20/2007/QĐ-NHNN ngày 15/05/2007 của Ngân hàng nhà nước Việt Nam
“Thẻ ngân hàng là phương tiện do tổ chức phát hành thẻ phát hành để thực hiện giao dịch thẻ theo các
điều kiện và điều khoản được các bên thỏa thuận”. “Thẻ thanh toán là một phương tiện thanh toán
điện tử do một ngân hàng/tổ chức phát hành, cho phép chủ thẻ sử dụng để thanh toán hàng hoá, dịch
vụ hoặc để rút tiền mặt trong phạm vi số tiền trên tài khoản của khách hàng hoặc trong hạn mức tín
dụng của thẻ.” 9
§gh7,7,qrt„§ghth•ghtz~gth‰,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7`
§gh7,;,’x“ |p†qtmzp”•(¨p,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7;
(kuš7,7,qrt„§ghth•ghtz~gž¨pphqr…gyhz{g7,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7:
(kuš7,;,qrt„§ghth•ghtz~gž¨pphqr…gyhz{g;,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7©
(kuš7,@,qrt„§ghth•ghtz~g6rghn•lphn7,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7E
(kuš7,:,qrt„§ghth•ghtz~g6rghn•lphn;,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,7]
(kuš7,©,qrt„§ghth•ghtz~g6rghn•lthq7,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,;`
(kuš7,F,qrt„§ghth•ghtz~g6rghn•lthq;,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,;`
7,;,<=( $-64>54896
>

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
;?
1.2.1. Nhóm chỉ tiêu định lượng 29
1.2.2. Nhóm chỉ tiêu định tính 32
7,@,".489
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
@:
1.3.1.Các nhân tố khách quan 34
1.3.2.Các nhân tố chủ quan 36
;,7,A8(.4+$B$-C2D
,
@E
2.1.1 Quá trình hình thành và phát triển của Sở Giao Dịch III BIDV 37
2.1.2. Cơ cấu tổ chức của Sở Giao Dịch III BIDV 38
(kuš;,7,kp†qt‹phwpp”•(£en•zxvpht’ghusgth‘nun…l@7,7;,;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,@]
2.1.3.Khái quát chung về tình hình hoạt động kinh doanh của Sở Giao Dịch III 39
2{ge;,7,•tžœyst›q{hzmtu•geynghxz•ghp”•(£en•zxvph2,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,@?
en•nuzmg;`7`Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,@?
;,;, 4>5489>(.4+2
,,,,,,,,,,,
:;
2.2.2.1. Thị phần thị trường 44
2.2.2.3. Sự gia tăng số lượng tài khoản thanh toán 48
(Nguồn: Báo cáo đánh giá hoạt động dịch vụ Sở giao dịch III BIDV 2011-2013) 48
2.2.2.4. Mở rộng mạng lưới thanh toán 49
2.2.2.5. Tính đa dạng của các sản phẩm dịch vụ 49
(Nguồn: Báo cáo đánh giá hoạt động dịch vụ Sở giao dịch III BIDV 2011-2013) 50
2{ge;,E,z•ghžœth•ghtz~g”rghn•lphntmn(2tª;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,©:
2{ge;,],z•ghžœth•ghtz~g”rghn•lthqtmn(2tª;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,©©
2.2.2.5. Sự phát triển của các kênh thanh toán 57

2.2.2.6. Chất lượng phục vụ trong công tác thanh toán của ngân hàng 60
2{ge;,7`,st›q{th«lx—•ynsgyh~phhige |tœpu•¬}ƒ•en•zxvphth•ghtz~gtmn(£en•zxvph2
en•nuzmg;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,F7
2{ge;,77,st›q{th«lx—u~ghen~u•ph’gh¬~pt„zge n•p¬}ƒ•en•zxvphth•ghtz~gp”•yh~phhigep~
ghfgtª;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,F;
2{ge;,7;,st›q{th«lx—th~nu•‡h“p “ it„§ghu•p”•p~g••th•ghtz~g(£en•zxvph2en•n
uzmg;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,F@
2{ge;,7@,st›q{th«lx—•ynsgu~ghen~ |lwp‡h’xvph “th•ghtz~gtmn(£en•zxvph2en•n
uzmg;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,F:
e. Về tốc độ tăng trưởng doanh số và lợi nhuận 64
2{ge;,7:,•tžœyst›q{ |hzmtu•gexvph “th•ghtz~gyh•gex¡getn|gl-ttmn(£n•zxvph2
en•nuzmg;`77Y;`7@,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,F:
2.2.3. Đánh giá thực trạng hoạt động thanh toán không dùng tiền mặt của khách hàng tại Sở giao dịch
III BIDV giai đoạn 2011-2013 65
2.2.3.1. Những kết quả đạt được 65
2.2.3.2. Hạn chế và nguyên nhân 67
a. Hạn chế trong việc phát triển hoạt động thanh toán không dùng tiền mặt tại BIDV Sở giao dịch III 67
CHƯƠNG 3 73
GIẢI PHÁP PHÁT TRIỂN HOẠT ĐỘNG THANH TOÁN KHÔNG DÙNG TIỀN MẶT TẠI SỞ
GIAO DỊCH III BIDV 73
@,7,+$-4>5489>(.4+
2
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E@
3.1.1 Định hướng chung hoạt động kinh doanh Sở giao dịch III BIDV 73
3.1.2. Định hướng đối với hoạt động thanh toán không dùng tiền mặt 75
@,;,"$$$-4>5489>2(.4+

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EF

@,;,7,G&.4"4
,,,,,,,,,,,,,,,,,,,,,
EF
14G 665%1$H
84$%54,2IG$1J K'
8,40%L89B$-%G&.
4"4%MN4$ "
1$425=4",(.B1*+&+O
1J-$-(4"%"0
6*%!.4"%5$H891BG%$&+*L$%
4%APL4%.BQ
QAP%+%0=RG4
4% &(GIS$&$T%S$&()
*+*/%U0H=/J1,
4ONK>G$H4>5%=25
=6(.B=8%15%"&8OV6
.4"4%0-+N8/
,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EF
@,;,;,G$*(J8%"2"4W
8()*+*
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
B(4>J084+
()*G+*4&6-G%
("$3GJ,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
$B0+()4+(.4+<X>.()

*+*6%6%-8>%4()*+*
T- H8>%$4(%480+*,BG
%L=4("$3&Y2%00
- L4"%-8"44
UBG$"G14+%0H$GJ
N%ZG+*)=G%
>,(.4+BG$*&(GI%S$&$
T%S$&N=/B4/O+*[2%
S$&L$G2+4-()*+*U=(.A'J&6(.%0
HG$1("$3+/,B44$'BG
Q%G$0$4$\$J$- %
G$+("$3+*4%=B0244=G" %1
JZ0/-G$*$$-+*,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
EE
@,;,@,/N"2!"6(.4+
,,,,,,,,,,,,,,,,,
E]
 
!"#$%&'()*+*,
-.&(/(0%&(1%
&("2("$3%$44+5$**625
,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
8&(/(0^%L8>Q
%*-4&(I(L.5(>A$B0
$B4(420(.4+0=,-QJ8
"ZZ.5$-%&(/(0
=B%'_(.4+BHB

Q,G$*$-&(/(0%0
4+N=(.%(8)X@``M.=W+$S%G%(
181J9X,ZBHG 
4>$J$+G%9-6X0%0&GG
A%&%(.&U6,!P9"2"4%
+( 162%(.4+%0%0$$B4
"/(0,=Q%0(8)2!X7
aM.=!4'5O=G$(bJ.&(/(0
%&*JS$&-8=@McOd
.+*+/IU
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
4%4&LB$(6%25
WJ44+-GN>4( 1
4,$"M6%92%
G%8/BJ)O
0%+$N,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
E]
Trờng Đại học KINH Tế QuốC DÂN


nGUYễN mỹ hạNH
Phát triển thanh toán không dùng tiền mặt
tại Ngân hàng TMCP Đầu t và phát triển
Việt Nam - Sở giao dịch III
CHUYấN NGNH: KINH T TI CHNH NGN HNG
Hà nội, năm 2014
LI M U
1. Tớnh cp thit ca ti nghiờn cu

hghtz~gyhgexĂgetn|gl-tuđtÊgÂghnsg ihÔqxgetmnghn|q
qpen%tqrghnÂgÊntlhjkgethwpgir gpgyh~lonl,hgh
onơqthsphqgeptzigthsenon%enphz npenzthjkgeqg~gp{tzge i
gezingjopujpthqgtng ithgeqt%unhnhthgegefghigeh{nqgg
ppght%ơfrxgehthgethghtz~gtnÂgtnsgght%ulmghuu~wgeghq
pqthghtz~ggeirpigeuxmge ihwptm,
efghigehigjopntluđphzunu|~g$h~ttngthghtz~g
yhgexĂgetn|gl-tennuzmg;``FY;`7` itlghĐgusg;`;`uthpur i
hzigthnghàhjkgethwpthghtz~ggirÊntl,tÂgthptshzmtuge
tmnntl%hjkgethwpgirpgtgtmnlt gu|pgqgtflgehnÂgpwq
upàghÔgeen{nh~ttghảlu{l{zujpgtzig iutngprpz%ghjge
yhgeilphltputhghtz~g%tmzun|qyngthqgnphzyh~phhige,
hgthwpujp gu|gÂqtÂg iơqth~ttêthptstmn$qtj i
$h~ttngntl2(Êenzxvph%tnlmghxmgphgu|tinPhỏt trin
thanh toỏn khụng dựng tin mt ti Ngõn hng TMCP u t v phỏt trin Vit
Nam S giao dch IIIilu|tin{z qg ôgttgehnthmpãplĐgh,
ezinhglÊuq%ystqg%xghlpku{genq%xghlptê nsttƠt%
xghlptinnqthlyh{z%gnxqgephghpqg ôggirujptĐghirel@
phjkge^
hjkge7^geqg |thghtz~gyhgexĂgetn|gl-t
hjkge;^hptmgethghtz~gyhgexĂgetn|gl-ttmn(Êenzxvph
efghige$qtj i$h~ttngntlC2D
hjkge@^n{nh~h~ttnghzmtugethghtz~gyhgexĂgetn|gl-ttmn
(Êenzxvph2
n
CHNG 1: TNG QUAN V THANH TON KHNG DNG TIN MT
TI NGN HNG THNG MI
1.1. Thanh toỏn khụng dựng tin mt qua ngõn hng
1.1.1. S cn thit ca thanh toỏn khụng dựng tin mt
Ăge onh~ttngpơđhn%{gơqthigehàgeirpigelmghlá%jq

thgehigehàgeirpigeujplÊgep{ |qrl%hml ngtghthjge
ơqrÂgnÂgtp%thghtz~gảgetn|gl-txgxgyhgeu~wgeujpghqpq
thghtz~ggÔ,yhnyhnjgetn|genruj izjqthgegeirltoguđefryhà
yhôgphzq~tĐghun|qhjqthgetn|gl-t%wpă |en~p{tôgepzigeqrÂg
ghfgxgusgmlh~t,hÂlgÔ%phnhngg%{zq{g%ynlusl%pttÔ% g
phqrgUpạgegeirltog,quàunhnlthjkgethwpthghtz~glonjq
nthkg%yhƠphpujpghÔgehmgphspthghtz~gảgetn|gl-t%hĂh on
h~ttngpg|gynghts,
hztge7?Fen~ztĐghystz~gefghigetjgep ngefgige
Chiơqt{gthgeyÂ[ingôl;`7`D^Thanh toỏn khụng dựng tin mt l
cỏch thc thanh toỏn tin hng húa, dch v khụng cú s xut hin ca tin mt
m c tin hnh bng cỏch trớch tin t ti khon ca ngi chi tr chuyờtn
vo ti khon ca ngi th hng hoc bng cỏch bự tr ln nhau thụng qua
vai trũ trung gian ca cỏc t chc cung ng dch v thanh toỏn.
1.1.2. Vai trũ ca thanh toỏn khụng dựng tin mt
1.1.2.1 i vi nn kinh t
hghtz~gyhgexĂgetn|gl-teàhgen{lotttgetn|gl-ttzgejq
thge%têuàeng|gynghtstnstynlujpltjgeogphnhơđhnnÂgqg
usgh~thigh ijqthgetn|gdeàhgurghghq~tĐght~n{gơqtơđhnd
gfgepzgôgeqtzuge ilgemnhnqq{ynghtspz,
1.1.2.2. i vi ngõn hng Thng mi
hghtz~gyhgexĂgetn|gl-teàhgen{nqrst gu|thnsqtn|gl-ttzge
gefgq%tmzun|qyngphzhzmtugehqruge gpgefghige%gfgepzyh{
gôgepmghtghpgefghige%enh~ttng{ghlxvph gefghigeuxmge,
1.1.2.3.i vi c quan qun lý nh nc
hghtz~gyhgexĂgetn|gl-tenun|qh iynlz~ttthkg
nn
yhnjgetn|gl-ttzgejqthge,p~ppkqgq{ghigjopghjpkqg
thqs%geighphq{gpàun|qyngynltthzxằnxzghthq%phnh%ystq{
hzmtugeynghxzghpxzghgehnltp~phphghơ~p,

1.1.2.4. i vi khỏch hng
hghtz~gyhgexĂgetn|gl-tentnstynlujpphnhuq iz%gfgepz
hnqq{ynghts%ulmnghghphàge%gtzig%phghơ~p%tngn% i{zlt
thgetngphzyh~phhige%yh~phhigepàghn|qphg}xgexvph zphz
tngnght onphnhenzxvphth,
1.1.3. Nhng quy nh ca Phỏp lut Vit Nam v thanh toỏn khụng dựng
tin mt
hÔgeqruvghph~qtntl |thghtz~gyhgexĂgetn|gl-t
zelpà^qtp~ptphwptgxge;`7`d;;Fc;``;cYghigh
geir;F,`@,;``; | npghighqrphshzmtugethghtz~gqp~ptphwp
pqgewgexvph thghtz~gdehvuvgh7â?c;``@phghhghighgeir
7`c7;c;``@ |pqgewge i}xgeăpdqtp~ppgepphqrgghjge
:?c;``âc77geir;?c77c;``âpqphngjopgehơđhnphgehã
ntl,qrstuvgh@`c;``FcYgeir77c`Ec;``Fphgeup
efghigehigjopntlghighqrphspqgewge i}xge(ăp,qrst
uvgh7`?;c;``;cYgeir`]c7`c;``;p |qruvghthtp
thghtz~gqp~ptphwppqgewgexvph thghtz~g, hgetj;@c;`7`cY
geir?c77c;`7`pefghigehigjopqruvgh | npq{g% ghigh
i}xgethgethghtz~gungt}nÂggefghiged
1.1.4. Cỏc cụng c thanh toỏn khụng dựng tin mt
~ppgepthghtz~gyhgexĂgetn|gl-tujpttqgegehnÂgpwqz
elpà^ththghtz~g%ăp%rghnlphn%rghnlthq%thjtgxgec%thgh
tz~gqxvph gefghigeungt}yh~p,
1.1.5. Cỏc phng thc t chc thanh toỏn qua ngõn hng
~phjkgethwptphwpthghtz~gtzgeqgefghigeujptĐghirtzge
in nstzel^hghtz~gnÂgphngh~ghgefghige%thghtz~gĂtêenÔ
p~pgefghige%thghtz~gungt}nÂggefghige%lÊtinyhz{gtn|ge}ngghqu
thghtz~g
nnn
1.2. Cỏc ch tiờu ỏnh giỏ s phỏt trin ca hot ng thanh toỏn khụng

dựng tin mt ca ngõn hng thng mi
u~ghen~h~ttnghzmtugepqgepxvph thghtz~gyhgexĂgetn|g
l-tpgefghige%tttqgeu~ghen~thzp~pphẳtnÂquvghjge ip~pphẳtnÂq
uvghtgh%zel^zghthghtz~gyhgexĂgetn|gl-tqgefghige%thv
hgtzgethghtz~gyhgexĂgetn|gl-ttzgehthgegefghige% jge
lmgejonthghtz~g%uxmgephjkgetngthghtz~gyhgexĂgetn|gl-t%
uxmgepp~phjkgethwpthghtz~gyhgexĂgetn|gl-tqgefghige,
1.3.Cỏc nhõn t nh hng ti thanh toỏn khụng dựng tin mt
hghtz~gyhgexĂgetn|gl-tphvq{ghhjÊgeptghn|qghfgt%tqr
ghnÂgtpàthhfgilhnghàlghfgtphgh^
Nhúm nhõn t ch quan: ôgep itĐghuphqrÂglgpp~ggefg
hige%lwpugtzig%tngnp npthghtz~gyhgexĂgetn|gl-t,
Nhúm nhõn t khỏch quan: ĐghhĐghynghtsơđhn%lntjgephghtvYơđ
hn%lntjgeh~%hzhppgegeh,
CHNG 2: THC TRNG THANH TON KHễNG DNG TIN MT
TI S GIAO DCH III NGN HNG TMCP U T V PHT TRIN
VIT NAM
2.1. Tng quan v S Giao Dch III Ngõn Hng TMCP u t v Phỏt
trin Vit Nam (BIDV)
zgehggir%qg ôguđenonthnqphqge |vph}un%pkpqtphwp%
itĐghhĐghhzmtugeynghxzghp(Êenzxvphefghige$qtj i
h~ttngntlC2DghÔgegôlegufr,
2.2.Thc trng hot ng thanh toỏn khụng dựng tin mt ti S Giao
Dch III BIDV
(qyhngÂqÂgqrtĐghgehn hzmtugethghtz~gyhgexĂgetn|gl-t
tmn(Êenzxvph2%qg ôgunfq izhfgtphthptmgehzmtugethgh
tz~gyhgexĂgetn|gl-ttmn(Êenzxvph2ennuzmg;`77Y;`7@
V th phn th trng^thvhgthghtz~gp(Êenzxvphlonphẳphnsl
tghtzgethvhgthghtz~gtÂguvigin%ipgrsqz on(Êenz
n

xvph2 i($ezmnthjkgentl,zun izhzmtuge~g
phjfq%ufráiltugepu(ÊenzxvphtnstphguqtôgetjÊge
thvhgthghtz~gtzgehthge2gànnÂge itzighthgegefghigegàn
phqge,
V t l thanh toỏn khụng dựng tin mt trong tng thanh toỏn ca ngõn hng:
xzghthghtz~gu|qtôgeqp~pgôl,zghthghtz~gảgetn|gl-tpà
tôge%tqrghnÂgtputôgephlqtêgegôl%tthghtz~gảgetn|gl-ttzge
tgexzghthghtz~gphqgeen{lxghigegôltjkgewgephnsl;@%@âẵgôl
;`77d7â%:;ẵgôl;`7;d7@%?`ẵgôl;`7@,zghthghtz~gyhgexĂgetn|g
l-tphnslttgegeirpigepz%gôl;`7@phnslton]F%7`ẵtzgetgexzgh
thghtz~g,
V tc tng trng ca thu nhp thun t hot ng thanh toỏn khụng dựng
tin mt: ghusgthnunl@7c7;c;`7@%thqghthqgtêxvph thghtz~gumt
lwp@%;];tugeCtzgeuàthqghthqgtêthghtz~gyhgexĂgetn|gl-tumt
@%7:Etuge%phnslton?âẵtgethqtêxvph thghtz~gDtôge@%FFẵz onpĂge
yắgôl;`7;,n|qgirphwget(Êenzxvphuđgpghn|qtzge npur
lmghtnsthvp~p{ghlthghtz~gusgyh~phhige,hqghthqgtêthghtz~g
yhgexĂgetn|gl-tphnslttgepztzgetgethqghtêhzmtugethghtz~g%
quàthrujpqrlh~ttngpạgeghjhnqq{p nppqgewgexvph gir
tonyh~phhige,ôl;`7@%thqghthqgtêthghtz~gyhgexĂgetn|gl-ttôge
tjÊge7`%Eâẵz ongôl;`7;dtjopuàgôlthqghthqguđpàlwptôge jt
ptê7,7ẵtôgetjÊgegôl;`77ÂglwpE%?Fẵtzgegôl;`7;,qrlwptôge
tjÊgethqghthqgpàtôgelmghqp~pgôlghjge gphnslttgegh
tzgetgethqghgep(Ê%unhnpgh{npàuvghhjogeh~ttng ip
eƠge jtpugfgepzhkggÔphẳtnÂqhnqq{gir,
V s gia tng s lng ti khon thanh toỏn
hqpqxvph thghtz~gpơđhngeirpigetôgeÂg%p~p{ghlthgh
tz~gtngphpgefghigepạgegeirpigeentôgelmghlá%yh~phhigexxige
tnspg on{ghlgefghigehkg%jgetinyhz{gthghtz~gpạgetôge t
qp~pgôl. puh~ttngtinyhz{gthghtz~gpp~ghfgtmn(Ênzvph

izyhz{ge7@`[7:`ẵ,ôl;`77%jgetinyhz{gthghtz~gpp~ghfg

tmn(ÊenzxvphlonphẳxêgemnÊpzg:`,]F@tinyhz{g%usggôl;`7;uđ
tôgeÂgââ,@â;tinyhz{g igôl;`7@iFF,`@?tinyhz{g
V m rng mng li thanh toỏn
ghusgthnunlpqngôl;`7@%(ÊenzxvphzelÊphghtmn
;`ige%qgzignsld`7$hgeenzxvphtmn;Fạ$hmlilqgq
nr i`7qtnstynltmn7;@hrhqÂuđeàhgtngyhnltp~phuge
%hnqq{p~pxvph thghtz~gtonyh~phhigep~ghfgpạgeghjxzghgehn,
zl{gegefghige~gujp(Ênzxvphtngyhnphjfq%gÂgjge
$hgeenzxvph iqtnstynlpghmgphsz onp~phngh~ghyh~ppĂgeh
thgehrp~pefghigeyh~ptÂgpĂgeuvig%tqrghnÂg ontnghthgphumz
ơqrÂgqtrphtjgehp irsqtptằn%(Êenzxvph gqggp
enÔ Ôgethvtjgehzmtuge ih~ttngxvph phôlàpttghtxsgtgtr
yh~phhige.
V tớnh a dng ca cỏc sn phm dch v
ngtmn(Ênzvphugepqgepttp{p~pxvph thghtz~gtngph
tÂgxghlp{ghlxvph thghtz~gli2enonthnqtonyh~phhige,
2Âgpmghp~p{ghlthghtz~gtqr|gthgeghjrghnlphn%rghnlthq%
ăpU(ÊnzvphuđyhgegeêgegehnÂgpwq ithunl%phzunghn|q
xvph thghtz~glonpạgeghjhzigthngthÂlghn|qtngphphz{ghlpạ,
jonufrixghlpp~p{ghlxvph thghtz~gli2(Ênzvph
ugepqgewgetonyh~phhige^
- hghtz~g%tzgegjop
- qgewgeăptƠge%{zphnăp%thghtz~găp
- hghtz~gqth
- hghtz~ghàukg^tn|gung%tn|ggjop% ăl~rr%thqhhph
- hghtz~gqgefghigeungt}^gtgt2gynge%zngynge
- hghtz~gq$4(
- hghtz~gq ungt}2[gt

V s phỏt trin ca cỏc kờnh thanh toỏn
ngtmntmn2(Êenzxvphuge~xgethghtz~gq:yÂghpk{g%
uài^thghtz~gungt}nÂggefghige%thghtz~gqtinyhz{gtn|ge}ntmnp~pt
n
phwptgxge%thghtz~gtzgegn2%thghtz~gzgehjkge,
V cht lng phc v trong cụng tỏc thanh toỏn ca ngõn hng
2inqg ôgttqgehfgtphthzp~ptnÂqphghjq^qrtĐghpqgewge
xvph ukgen{g%ghghphàge%ugtzig%phghơ~ptzgeenzxvphthghtz~g%
phtjgehp pungeạghfg nÂggefghige% |phgh~phhxvph ,
2.2.3. ỏnh giỏ thc trng hot ng thanh toỏn khụng dựng tin mt ca
khỏch hng ti S giao dch III BIDV giai on 2011-2013
hgeqystq{hfgtph |hzmtugethghtz~gyhgexĂgetn|gl-ttmn
(Êenzxvph2tzgeennuzmg;`77[;`7@tghgthr(Êenzxvphuđ
umtujpghÔgethighpgeghtuvghyhntngyhnxvph gir%un|quàthhng
qjgetinyhz{gthghtz~gp~ghfgyhgegeêgeentôge%hgogp~ptin
yhz{ghzmtugeu|qu-g%en~tvenzxvphpạgetôgelmghz ontjopufrdtg
qtp~penzxvphthghtz~gpyh~phhige%u-pntiyh~phhigep~ghfgusg
onphngh~ghuđtôgehkgtjopCtqgeĐgh@``jtyh~php~ghfgcgeirenzxvph
[gôl;`7@Ddlmgejonthghtz~gujplÊge on vtthqgtngtmzun|qyng
phzyh~phhigep~ghfgtonenzxvphtmnphngh~ghgeirpigeghn|q ithjge
ơqrÂghkg,2Âgpmghuàp~p{ghlxvph thghtz~ggeirpigeujpp{nthng
|phtjgepạgeghjtghuxmge%tngph%u~wge |pk{gghqpqpyh~ph
higedphtjgexvph geirpigeujpgfgepz%yh~phhinge%gtflyhnusg
enzxvph onphtjgehp p(Ê,
qrghnÂg%ÂgpmghghÔgeystq{umtujpghjtÂgthĐhzmtugethghtz~g
yhgexĂgetn|gl-tp(ÊenzxvphpgghÔgehmgphspgyhƠphp^lmge
jonthghtz~gpgh%phjpà{ghlpqgeplgetghuth~%xvph $4(
phjujptngyhnilhmgphsthvhgthghtz~g%qrtĐghhp pgjli%
phjnghhzmt%nqhxvph phjthppmghtgh onp~pgefghigeyh~pU
qg ôguđhfgtphgeqrÂgghfgxgusgghÔgehmgphsgir iphnil

hnghàl^ghàlgeqrÂgghfgphqg ighàlgeqrÂgghfgyh~phqg,
hàlgeqrÂgghfgphqgzel^kphsq{g%ghfgtpzggejn%
hzmtugeytnge iq{ge~thjkgehnq%pkÊhmtgeythqt,
hàlgeqrÂgghfgyh~phqgzel^lntjgeynghts ãl%ln
tjgeh~%pmghtghpp~pgefghigeyh~p%tflyh~phhige,
nn
CHNG 3: GII PHP PHT TRIN HOT NG THANH TON
KHễNG DNG TIN MT TI S GIAO DCH III BIDV
3.1. nh hng phỏt trin hot ng thanh toỏn khụng dựng tin mt ti
S Giao Dch III BIDV
(qyhngÂquvghhjogeh~ttnghzmtugeynghxzghphqgep(Êenz
xvph2tzgethnengton%qg ôguđgÂqghÔgeuvghhjogeun on np
h~ttnghzmtugethghtz~gtmn(Êenzxvph,
3.2. Gii phỏp phỏt trin hot ng thanh toỏn khụng dựng tin mt ti
BIDV S Giao Dch III
3.2.1. Khuyn khớch khỏch hng mi m ti khon v thanh toỏn qua ngõn hng
(Êpgtgxge vtuvthqgnugeirpigeh~ttngtinyhz{g
yh~phhige%thgeq npukgen{ghàthtp%qrtĐghlÊtinyhz{g%gt
tn|gl-tthqgtngyhnpgthnst%hxvph th%pzntgeyh~phhige%tphwptj
gphzyh~phhige%tÊthighpqgntqgeengenÔyh~phhige ighÔget
phwp%ukg v, p~ghfgpànÂgqg usgyh~phhigetzge npthghtz~g%thphng
p~pphgh~phyhqrsglđnghjlnghh~thighth%lngh}xgep~pxvph
yh~phhigeentôge%UquàthqhtthÂl g ientôgenghqg,ztfl
gejnnthnggr ggemntnsơp onhzmtugegefghige%gÂgp~pp~g
ghfg nÂgp(ÊpgtqrÂgtqr|g% guge%en{nthph onyh~phhige |gehã
p nplÊtinyhz{g ithghtz~gqgefghige%quàyhnth~ptntuthv
tjgetn|lgôgegir,
3.2.2. Tip tc khai thỏc sõu i tng khỏch hng truyn thng, m bo
mi khỏch hng u s dng ti a dch v ngõn hng
giz~tmnuntjgeyh~phhigepàtqr|gthgeenzxvph ongefghige

ghjgephj}xgehstp~pxvph thghtz~gtngphpgefghigeutnsghigh
lytnge%enonthnq{ghlusguntjgeyh~phhigegir,(Êenzxvphpg
tnstpujp~pphgh~phyhqrsglđn%lnghh~thighth%lnghthjge
gnÂggôluqphzh~phhigeuôgeylonxvph [gynge%lnghpthnst
vtzygu}xgexvph UtÂgpkÊtgehnphp(Ê%quàthqht
yh~phhigetnspg{ghlen~tventôgeyh~p,genzphzhgeuqln
nnn
tnsghighpxÔnqyh~phhige%tnsuàhfgphnphzp~pgehnhuthp
hngenonthnq%tnsthv{ghlxvph thghtz~g%rÂqpqpà~zp~zthgeyÂ
ystq{thphng%thqgnpạgeghjyhàyhôgutnstphjkgehjogeh~ttng
xvph ,
3.2.3. Tng cng cụng tỏc qung bỏ hỡnh nh ca S giao dch III ti khỏch hng
get~plytngethjkgehnqipget~p pĂgeqgtgeun on np
ơfrxgehĐgh{ghu%qrtg igetngun onyh~phhige}xgexvph gefg
hige,get~pgirthhngÊphgh~phphôlàpyh~phhige%phgh~phghg
xngthjkgehnqgefghige%phgh~phq{ge~{ghl%hzgep~phenzxvph
ith~nuhp pp~ggefghige,
3.2.4. Tớch cc trin khai cụng tỏc lp t POS, cỏc chng trỡnh u ói
khuyn mi sn phm th
nstpyh{z~t%phgghÔgeuvunlhĂhupàthlÊgeuvig
hzmtuge%lÊgelmgejonhzmtugetÂgp~puvigdphtgeurlmghp~p
zmnhĐghyÂghhfghnhngumnghj%~rthghtz~gảgethtmnunl~g
higeC$4(D%gtgtgynge%zngyngeU,nstpyh{z~t%phgghn|q
unlu-tl~rhnqq{%urlmghpget~plytngeuƠu-tthÂlghn|q
l~r$4(tmnp~pp}higeog%nÂqthv%gh ng%tjgehp%,,,u|u~wgeujp
ghqpqgeirpigetôgepyh~phhige,hjgeơqrÂgthzxằnhnqq{thgh
tz~g$4(pp~pkg vphghgth%pàphgh~phht |ythqtpạgeghj
phgh~phphôlàpyvthn,
3.2.5. Tip tc y mnh cụng tỏc o to i ng nhõn viờn cú chuyờn mụn
nghip v v tinh thn nhit tỡnh

(ÊpgpàghÔgengh~h~ttnggeqgghfgp[ungeạp~gghfg
nÂggefghige%xjonufrilt inngh~pth^h~thqrpget~puiztmz
hngpàugethnuxmgehàthÂlp~pzmnhĐghuiztmzthzphjkgetĐghpn
Êphghhrp(Êttphwp,hphngphgh~phuge nÂgyhgthjÊgeun on
p~gghfg nÂgpàthightphơqtƠptzgepget~p,gethnpạgepàng
h~yqtgehnÂlyhƠptêghƠpghÊ%p{ghp~z%qfgphqrgpget~p%hmt n
hmlhighphghun onghÔgep~gghfg nÂgyhgetqfgthgnqrzuge
iqruvghil npp2gànphqge i(ÊgànnÂge,frxge ôghàyngh
nơ
xzghlgetghu-pthĂpnÂge(Êenzxvph2%tqfgthqruvgh |
hzgep~phenzxvph iyhgeengenzxvphzphzyh~phhigep{lghgujp
qgtfl%ghnttĐgh ihzgep~phphqrÂggehnyhnusgenzxvph ongefg
hige,
3.2.6. Thit lp nhúm cng tỏc viờn phỏt trin dch v bỏn l tớch hp núi
chung v sn phm thanh toỏn núi riờng
(Êenzxvphpgtnsghightqrgphg iuiztmz%thnsungeạpge
t~p nÂgighÔgegejnpàgôgep%ghnttĐgh onpge np%uthphngp~ppge
nppàthphqrgenzphzp~puntjgegirghảltnstynlphnh igfgepzlwp
uphqrÂggehn%ttqgegeqgp izp~phzmtugephgh,
3.2.7. Xõy dng v phỏt trin ngun ti chớnh cho s phỏt trin hot ng thanh
toỏn
eqgtinphghÊufrtêhngeqgphrsq%uàigeqgtintÂggezin i
geqgpÂgtzgep(Ê
n ongeqgtintÂggezin%(Êphugetnspg ongeqg rtêp~pt
phwpqpts%efghigehijop%efghigethjkgelmnyh~p%nÊphgh2,
n ongeqgpÂgtzge%(Êpàthrtêgeqgnghqgumn%quq
tjh~ttng i gyhqhztin{gpuvgh,
3.3. Mt s kin ngh
3.3.1. i vi Chớnh ph
hghhpgơfrxgeyhqgeh~hzigphẳghhjogexghzmtuge

thghtz~gảgep~phtnstpghighlt ôg{gh~phzhzmtugethgh
tz~g,(qyhnhghhghighp~pqt%pgphẳumzp~p2%geighyhgtjkge
ghighqrstuvgh%thgetjhjogexguqtolpàhnqpthzqruvgh,
hgh$hpgpàngh~ht%jquđnuqtjtzgeãgh phngumnhàpge
gehgefghigephzp~pefghigehjkgelmn,hghhpgqgtfltonpge
t~pthgetngtqrÂgtqr|g ihnsgynsgthwp |thghtz~gyhgexĂgetn|gl-t
thgeqp~phjkgetngthgetngumnphgeusgp~pp~ghfg%tphwptzgeơđhn
ugfgepzhnqnst%ghgthwppgejnxfg |hzmtugegir,
3.3.2 i vi Ngõn hng Nh nc
pgpàp~p ôg{gqruvgh%hjogexgpthhà iyvthnp~p
ơ
ôg{gphghhnÂgqgusgh~ttngphzmtugethghtz~gyhge
xĂgetn|gl-t,
pgpàp~pyhz{gphz rjquđnun onp~puht |l-t
tinphghtzge npunlonpgegeh,pgun|qphẳghnqhxvph u
p~ppàthen{lhghảlyhqrsgyhphyh~phhige}xgep~pxvph
thghtz~gqgefghige,pgpàghÔgeynsggehv onphghh | np
ơfrxgehthgethghtz~gttqgeqpen%tmztn|gu|phz npthghtz~g
thgeghtenÔp~pgefghige,
3.3.3 i vi Ngõn hng TMCP u t v phỏt trin Vit Nam BIDV
(Êenzxvphu|gehvnÊphghÂgyshzmphơfrxgepthtĐgh%pà
hjogexgằige |pkphs%phgh~ph%qrtĐghgehn up~pphngh~ghx
xigethphng%phugetzge~xge ienonthnq{ghlxvph tonyh~ph
hige,
nÊphghpgqgtflhkggÔusgpget~pq{ge~thjkgehnq%hĐgh
{ghplĐghtÂgp~phjkgetngthgetngumnphge%pgepq{gep~zgezin
tnUp~punlenzxvph%unlu-tl~r
get~ph~ttnggeqgghfgppgh{nphtgehkggÔ
nÊphghpggfgepzphtjgepp~p{ghlxvph hngpàur
ghghtpuơ}phjkgetĐghthghtz~gungt}nÂggefghige%tôgepjgetgh

guvghphthgethghtz~gghảlu{l{zphtjgexvph thghtz~g
KT LUN
nyl onh~ttngynghtsih~ttngpp~penzxvphlgetgh
phtthjkgelmn%liystq{ixgtonentôgetzgeãgh pthghtz~g,(
h~ttngpynghtsyhgezengeêgegÂgghqpq |thghtz~gpạge Đths
litôgelđn,n|qgirunhnpget~pthghtz~gyhgexĂgetn|gl-tpefg
higeh{nunlonnÂgtpughghphàgehzigthngp~phĐghthwpthghtz~gil
phzpkphsthghtz~gtÊgÂggeugehkg%u~wgeujprÂqpquxmge i
hwptmpg|gynghts,
zgethnengq%pget~pthghtz~gyhgexĂgetn|gl-ttmnefgige
$qtj ih~ttngntl2(Êenzxnphuđyhgeuvghujpằ
ơn
tlqgtgepgàtzgethghtz~genÔp~pukg vynghtsgànnÂgepạgeghj
tzigq~tĐghjqthgetn|gtpg|gynghtsgànphqge,qrghnÂgp~phĐgh
thwpthghtz~gyhgexĂgetn|gl-ttÂgthptstmn(Êenzxvphpgp
ghÔgeu-punlrsquđilhmgphstpuh~ttngphĐghthwpgir,zuà% np
pgpàghÔgep{ntnsgghghphàge iyvthnighqpiqp~phun onyhge
phẳ(Êenzxvphlipgun onp~pefghigeyh~p,
ÂgpkÊgehnÂgpwqqg ithptnghzmtugethghtz~gyhgexĂge
tn|gl-ttmn(Êenzxvph2%qg ôguđujlten{nh~ iynsggehv
ghảlh~ttnghzmtugegirtmn(Ê,
zhmgphs |ynghgehnlthpts ihml ngehnÂgpwq%qg ôgyhge
t~ghyhnghÔgethnsqàt%tlzgeghgujpuàgeeàynsgpp~pghi
yhzhp%thrpen~z ip~pmgugegehnuqg ôgujphzigthnghkg,
ơnn
Trờng Đại học KINH Tế QuốC DÂN


nGUYễN mỹ hạNH
Phát triển thanh toán không dùng tiền mặt

tại Ngân hàng TMCP Đầu t và phát triển
Việt Nam - Sở giao dịch III
CHUYấN NGNH: KINH T TI CHNH NGN HNG
Ngời hớng dẫn khoa học:
pgs.TS nguyễn Hữu Tài
Hà nội, năm 2014
LI M U
1. Tớnh cp thit ca ti nghiờn cu
hghtz~gyhgexĂgetn|gl-tuđtÊgÂghnsg ihÔqxgetmnghn|q
qpen%tqrghnÂgÊntlhjkgethwpgir gpgyh~lonl,hgh
onơqthsphqgeptzigthsenon%enphz npenzthjkgeqg~gp{tzge i
gezingjopujpthqgtng ithgeqt%unhnhthgegefghigeh{nqgg
ppght%ơfrxgehthgethghtz~gtnÂgtnsgght%ulmghuu~wgeghq
pqthghtz~ggeirpigeuxmge ihwptm,hwpgôgethghtz~gptn|gtuđ
iugeh~ttng onghn|qhĐghthwpuxmge%hngumn ipà ntgeirpige
qgtgetzgeynghxzgh{gơqt ijqthgehigehà%xvph ,àghgh
phàge%tngph%gtzig%hnqq{tzgethghtz~gáeàhgurghgh npt
tqge ihfghn gtzgeg|gynghts%pqgewge ijqthge gphzg|gyngh
tsh~ttng,ejpmn%phlt%~phtƠptzgeyhfqthghtz~ginqhngp
tĐt%yălh~ttngpg|gynghts,npun|qhighphgh~phtinphghtn|gt
hngtmnh{nthgeqhthgethghtz~gqpen onghÔgehjkgetngy
thqt ipgegehthghtz~ghngumnuttqgeuru%ghghphàge ithjge
ơqrÂglnhzmtugeynghtsYơđhn,àphẳujpthphngltp~phhnqq{ght
thgequjhthgepgegehthgetnggànphqge ipgegehthghtz~ggàn
nÂge iz ghigh%quàen{lthnq npjqthgeảgetn|gl-t,
hghtz~gyhgexĂgetn|gl-tiltxvph hnqq{%hzgeh%uxmge
ih~ttngghghphàge%u~wgeujphqhstrÂqpqpg|gynghtsthvtjge
geirpigenghhzmt igôgeuge,friltgehn uxmge ihwptm%lon
ujptngyhnyhgefqtÊmnufr,efghigehigjopntluđphzun
u|~g$h~ttngthghtz~gyhgexĂgetn|gl-tennuzmg;``FY;`7` itlghĐg

usg;`;`uthpur ihzigthnghàhjkgethwpthghtz~ggirÊntl,
tÂgthptshzmtugetmnntl%hjkgethwpgirpgtgtmnlt gu|
pgqgtflgehnÂgpwqupàghÔgeen{nh~ttghảlu{l{zujpgtzig
iutngprpz%ghjgeyhgeilphltputhghtz~g%tmzun|qyngthqgn
phzyh~phhige,
7