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m̉Một số giải pháp nhằm hoàn thiện và phát triển công tác thanh toán điện
tử tại Ngân hàng Công thương Chi nhánh Hai Bà Trưng".
Khóa luận được kết cấu làm 3 chương:
Chương 1: Lý luận cơ bản về thanh toán vốn và công tác thanh toán
điện tử của các ngân hàng thương mại.
Chương 2: Thực trạng công tác thanh toán điện tử tại Chi nhánh Ngân
hàng Công thương Hai Bà Trưng – Hà Nội.
Chương 3: Một số giải pháp và kiến nghị chủ yếu nhằm hoàn thiện công
tác thanh toán điện tử tại Chi nhánh NHCT Hai Bà Trưng –
Hà Nội.
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Hà Nội, Ngày 06/12/2011
Sinh viên thực hiện:
Phạm Hoàng Hiệp
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Ký hiệu và viết tắt
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CHƯƠNG 1
LÝ LUẬN CƠ BẢN VỀ THANH TOÁN VỐN VÀ CÔNG TÁC THANH
TOÁN ĐIỆN TỬ CUẢ CÁC NGÂN HÀNG THƯƠNG MẠI
1. Khái quát chung về thanh toán vốn giữa các Ngân hàng
1.1. Khái niệm
"2!+7/W1!1/I (/'(" "2!64'@/W1!11
! /I (/ L)"&":164!"#G " "2!+71M% !1 (/)^
"(% 2B"@1!1/I (/% !1 4 281"&":1" "2!+7"#2/*
K*/I (/A
1.2. Sự cần thiết của thanh toán qua Ngân hàng
f2 4134DB>4,";'?4" </ (/ 2!/(1(/)^#*/+( !"
"#$9-a n+1" "2!1V/ !""#$A$-!]/94134+. @)
+ 2@"-*/+(% 7'?`/;"#2/" "2!% H2 " ?N/)@-?`1
1 " ( " "2!1v//I (/+(" "2!% !1/I (/A
#?Q/ `" "2!/W1!1/I (/" G B1=DC1 4$+7
"U/I (/ :1+:/?Q"#B".D//I (/ :1+:/?Q" :
?^/At .% "& !""#$;+1"#2-O (/ 2!% </K= w^)*"
% 4+C1)(-?`1)^#*/#% \N9+1" "2!/W1!1/I
(/% !1 4'()*"","&4% !1 64A
8"% !1"#2/.% "&;+11 4$1,+7;1,% 0;" C1
/ x+:/ID!1 ;1 4$ ?`/"(DB;*% ,4 2'91,"#9
Hy#" ?Q/>49'9":1;-.4-=-a n B1=/ +:"U/I (/
(-&/I (/%-$-!]/941341 4$+7"#2/.% "&A
z{"+.)8"64B'R+7;)| " 7/'()*"H2 /
@1 "2!-*1'E9+164B'R+(D[H:/+7-?`1% {%0"#2/"2(
K* " 7//I (/" ?N/)@;1 0 +G+E)(+1" "2!+7/W
1!11 ! /I (/% !1 " 7/'(13" &"A
;1= .4 " 7//I (/% !1 4 ?l" 7//I
(/</" ?N/; " 7//I (/<// +( !""#$</" <;
/g}
" 7//I (//2@" ?N/; " 7//I (/-34"? !""#$;
" 7/1!1/I (/1O 3~+(% !1 (/-?`164."CH2'C1 5
/I (/-$)^"(% 2BAf2+E64 " "2!/W1!1/I (/
% !1 4/(1(/ !""#$;-a n B1= " 7/" "2!+7/W
1!1/I (/A
1.3. Ý nghĩa của thanh toán vốn qua Ngân hàng
"2!64/I (/% \1 :1 W/ ?`1-$))("
"2!"#C1"&KL/".)8""!1-*/>,4-&.% "&A='(+1Hv/".
)8"% </ @1 &;" "2!"#C1"&"CH2'(1N *-$% "&/3) !"
"#$;"!1-*/>,4-&.% "&Az4," 134/B"@2+("@2# .4"94
1C1 ?@#[".;"./B;-341N"."Af2+E/(+94134" P
"#?Q/-a n+1" "2!% </Hv/".)E"/(1(/1 &)?4" &A
1.3.1. Thanh toán qua Ngân hàng góp phần thúc đẩy nhanh quá trình
chu chuyển vốn trong nền kinh tế thị trường.
"2!'(% I4-34"9+(1V/'(% I41471v/1M64!"#G
DB>4,"Aj,"%h)*"-N+PDB>4,"% H2 (21V/)47-F/+7
1M)G " )/+(2 .41 4%hDB>4,"D 'Q"7-9 5 B
1 =/" 4 F+7-$" C1 1 4%h)Af2-=;+"#a"#4//
" "2!1M/I (/-81K"64"#5/++1"#01 1 4$+7"U"(% 2B
-N+P(D/-N+P% !1)(% </ B),"" Q/1 491 ^;KB2+;%$)
-&)".;1 0 >!1;"U-=/B))]1" , ,"" Q/+7L)"#2/" "2!;
@1 &#M#2"#2/64!"#G 1 41 4$+("J/ 464BD[H:/+7A
1.3.2. Thanh toán qua Ngân hàng giúp huy động tối đa vốn nhàn rỗi
trong nền kinh tế.
"2!64/I (/941341!1"O1 ]11! I B)^"(
% 2B"@1!1/I (/+()|"(% 2B B1=D7H? ,"-P )(% !1
(/% </-?`1#S"64D7H?-=AO/D7H?1!1"(% 2B% </ B'(
n;'ZD4,""./[1M1!1"(% 2B('@" ,-<% % </ B"#B'ZA
?+ED•"@2-.4%/B)'ZD4,"1 2+-7+.% "&;" 4 S"1!1
(-34"?-&++7;/B)1 0-34"?+("J/% BJ/1@ "# +
/g
1!1/I (/% !1"#91v/-PK(;%01 " 01 1!1 2@"-*/1MH2
/ "J/+7% H2 ANW" </641</"!1" "2!64
/I (/;/I (/K&"-?`1"G G "(1 0 1M1!1H2 /
"#9" P"#?Q/;"U-=1=64&"-P -S/-\"#2/64 "0H:/+( @
1 &#M#2"0H://I (/A
1.3.3. Thanh toán qua Ngân hàng góp phần thực hiện chính sách tiền
tệ quốc gia.
"2!64/I (/-?`1"& ( " </6464!"#G / DO
%&" `+%&"2!"#9)!9/B))*"% 7'?`/'".)8""#2/
'?4" </A "2!64/I (//S1 2/I (/64B'R)*"1!1
"O/" $64!"€ DB>4,"+('?4" </ (/ 2!A </64"•'HC"#WK\"
K4*1 " -O'ZD4,"1 2+/I (/1=" $-.41 e )]114/
"." L)%$)D2!"'@) !""U-=-?#1!1/B !" S1-T"J/
"#?^/% "&A
?+E" "2!64/I (//W+"#a64"#5/"#2/.
% "&A]/"#9/=1-*/( = B! "#G -*"#/KP1ND^+E"1 ,"
%‚" 4E"1M/I (/A^)]1-*12 N;= B! "#G -* E E
" ]11M% !1 (//(1(/12" </64"01 /2HP1 A='(DC
" 01 / 1 =/"#2/64!"#G * E% "&6471"&A
1.4. Các phương thức thanh toán giữa các Ngân hàng
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(/1v/ " 7/ 281% !1 " 7/Aj2/F)1!1 ?N/" ]1" "2!
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1.4.1. Phương thức thanh toán liên hàng.
"2!'9 (/'( ?N/" ]1" "2!/W 281 .41
! /I (/+ 4"#2/1v/)*" " 7//I (/A
"2!'9 (/-?`1 !"D "#91ND^1!1/ +:"
"2!/W1!11! I;"O1 ]1% "&;1!1"O1 ]1-2(" $>J *1=)^"(
% 2B"@1!11 ! /I (/% !1 4 281" "2!+7/W1!1
1 ! "#2/1v/ " 7//I (/A
/gƒ
"2!'9 (/'()*"K* E% </" $" &4-?`1"#2/1</
"!1" "2!1M/I (/A()"7"1</"!1" "2!'9 (/D•1=+
"#a#,"64"#5/-7+.% "&=1 4/+(+/( /I (/=
#9/A:" $l
"2!'9 (/" S1-T64!"#G " "2! 1 =/;1 0
>!1A +G% !1 (/ B)/".)8""U/I (/)4-&"
"2!1 2/?QK! (/;% !1 (/1 e134• )1 2/I (/ :1
+:)G ;"#01 "(% 2B-$" "2!1 2/?QK!" </64/I (/
:1+:/?QK!A
"2!'9 (//= 3I/12"71-*'4I1 4$+7"."
:1+:64!"#G "!DB>4,">Z *)^#*/;H2" Q/" "2! ;
#S"/\64!"#G DB>4,"+('?4" </ (/ 2!;HP1 +:A
"2!'9 (/"@2-.4%" 4E'`1 2+1)^#*/+( !"
"#$" "2!% </Hv/".)8"A= 3% 4&% 01 1! I;1!1"O
1 ]1)^"(% 2B" "2!"@/I (/A
"2!'9 (//= 3/B)1 0'?4" </H2% </ B
+E1 4$".)8""UN(;-P ?N/(D/N% !1;-P ?N/
% !1-$" "2!AF/" QD• @1 &-?`1),")!";" )<;'`H:/
"#2/" "2!A
"2!'9 (//= 3O-P +()^#*/% !1 (/H2-!
]/-?`1 4134" "2!" 4E"; 1 =/;1 0 >!11M% !1
(/A8"% !1" "2!'9 (/1a/= 3 !""#$)5)8" 2@"
-*/% H2 1M/I (/A
1.4.2. Phương thức thanh toán bù trừ.
?N/" ]1" "2!Kv"#U1=" $!H:/"#2/" "2!+7
/W 1 ! 1v/ " 7/AI'()*" ?N/" ]1" "2!
+7/W1!1"#2/-=/I (/" ( +9" C1 " "2!" 4 *;
1 *'_ 4+(" "2!/+1 M"#G+.D71 9 '1 „" 4 *;
1 *„1M 9" "2!Kv"#UA
@)+" "2!Kv"#U'(" "2!/W1!11="(% 2B"@
/g…
)*"c%$1Btjd;H2"O1 ]1+(1 M"#GA "2!+7
/W1!11v/ " 7/H2)*"-?`11,"#91 e-P "O1 ]1+(
1 M"#GA
"2!Kv"#U1=)*"+"#a#,"64"#5/;=/S1 2+1"
"2!/W1!1% !1 (/)^"(% 2B"@1!1% !1 4;% !1 " 7/
" "2!-?`1 1 =/;/S1 2+1" "2!+7/W -N+P
cd" ( +9Da/ †/;#b#(/A)8"% !1"O1 ]1"7"j1a/=
3"&"%)/4F+7"#2/" "2!1 21!1;1V/ ?1!1% !1
(/1M 5A
‡47'()"7"-?`11</"!1j"#?1 &" B-!]/-?`1-3
-M1!1-.4%D4l
k B1="(% 2B"./["@1 M"#GA
k B"4I" M+(" C1 -S/;-3-M1!1/49"\1"O1 ]1
/ +:1MjA
k =+JKB / P1 2" )/jA
k &41=DD="/I"O" ," B1="#!1 )KF" ?Q/" g2
64-P A
‡ C1 j/W1!1 B"4I" M1!1/49"\1D4l
k "2!D71 9 '1 64+1"#01 t1M" (
+9)^"@1 M"#GA
k &4" &4% BJ/" "2!" G" ( +9 B>+
1 M"#G;&41 M"#G% </1 2+D•1 4$D7"." &4 :"D/`
64! @A
k &4`64! @'9"&" G1 M"#GD•-G 1 ej" g2
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)|/(/2 E1 ]/"U+(" "2!Kv"#Ur'3cD!/+(1 .4dAa
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1.4.3. Phương thức thanh toán qua tài khoản tiền gửi tại NHNN.
!1% !1 " 7/ 4)^t"@;% 1=94134
" "2!/Wr% !1 (/)^"(% 2B"@r% !1 " 7/" G1=
" $" </64rt1Mr"@-$" "2!1 2% !1
(/A
"2!64t"@" ?Q/-?`1!H://Wr
% !1 " 7/+(% !1"e % 4+C1l&4" "2!"#91v/-PK(
"e ;" ( 7" G"#9-PK(-=1 ?!H:/jA
t " "2!+ 464t"@ B-B)
KB21!1/49"\1D4l
k !1+(f B)^"(% 2B"@)*" ;
"#9"(% 2B" ?Q/>491=-MD7H?-$" "2!%P" Q+(-3-M1 2
% !1 (/A
k !1" ( +9 B-J/%R)_4H,4+(1 W%R"@A
k !1 B" "2!-3-M;%P" Q1 21!1" ( +9;
&4/I1 E)1 y" 0(21='|D• B1 P4 @"" g2'4E"-P A&4D7
H?t"@% </-M-$" "2!1V/ B1 P4 @"" g2'4E"
-P A
t " "2!+ 464"(% 2B"./["@;1!1
B"4I" M" g264"#G " "2!D4l
k &4r1v/)^"(% 2B"@1v/)*"l"#B".
)8"+(*1 ]/"U+(2‰D4% %$)"#" , `'" G"&
( "#01 t1M"#B".+(K!2`1 2 5;/ =+(2t1M
" : ?^/+(K!2=1 2 5A
/gX
k &4 )^"(% 2B"@ " G64"#G " "2!
?D4l
B" 01 l
cid "#B".*}'91 ]/"U+(2N)^"(% 2B-$
" "2!A
crd K9"#B".%$)"#1!11 ]/"U;&4 `'Hv/
'91 ]/"U/ `t+(K!2`1 2"#B".A
cud K9"#B".Hv/i1 ]/"U-$" "2!+
K9" : ?^/" g2" M":1'9 (/A
c}d K9" : ?^/D4% %$)"#+(>['R1 ]/"U" g2
64-P D•/ =+(2"(% 2B+(/[/,K!2=1 2" : ?^/A
1.4.4. Phương thức thanh toán mở TKTG lẫn nhau giữa các chi
nhánh Ngân hàng.
g2 ?N/" ]1()| B)^t1M)G "@%-$
" C1 " "2!1=" $1v/ 281% !1 " 7/A47" "2!" g2
?N/" ]1(-a n1!1" ( +9 B'()" M":1-J/%R)_4
H,4;1 W%R1M/?Q1=" T)64./W1!1" ( +9A#2/64!
"#G " "2!1!1" ( +9 B" C1 / 9)1 e 1!164-P
" g2-S/1 &-* ( A1" "2!/W -?`1" C1 91J
1]+(2KB/%91 ]/"U" "2! 1 ]/"U1M !"D / +:
'E;1ND^-$"& ( " "2!'(D7H?"#9t)^"@%A
1.4.5. Phương thức uỷ nhiệm thanh toán (uỷ nhiệm thu hộ, chi hộ).
• )" "2!/W '(+1 " 2B" 4E1)%&"4•
)1 2 4" "2!" 4 *;1 *" g21!1/ +: !"D HC
/giY
ảề
ảề ụở
ụở
"#91!11 ]/"U1M% !1 (/)^"(% 2B"@ Q" 4 *;1 *A
*"% !"D 1!1% 2B" 4 *;1 *N !"D / +: B
/[1!11 ]/"U" "2!1 21=64 -$ @1 "2!A g2-P %h
-J/ "#9 `-F/" "2!/W B-71 &4 !"D +(D7H?
"(% 2B" "2!" 4 *;1 *1 2 4;-$64&""2!D7" 4 *+("
"2!+ 4D7 B" 4; B"#BA
?N/" ]14• )" "2!1=" $-?`1" C1 ^ 1v/
" 7/ 281% !1 " 7/A$"& ( " "2!" g2 ?N/" ]1(
/2(DC"0 )'_ 4 1a B%R%&"-$" 7/ ,"+.)8"
/49"\1;" M":1+(*H4/" "2!A
2. Thanh toán điện tử của Ngân hàng Công thương Việt Nam.
2.1. Khái niệm thanh toán điện tử.
"2!-"['( G " ]1" "2!" 1 2'9 (/*K*A
='(K?1/28"64"#5/"#2/" "2!/W1!1/I (/ A
G " ]1" "2!('(]/H:/ 464B1M1<// " 51;-Z#S"
/\% BJ/" "2!;"2("(DB+("@2-?`1'a/"+% !1
(/A
2.2. Một số quy định chung về thanh toán điện tử.
2.2.1. Phạm vi áp dụng
"2!-"[-?`1!H:/1 2)5 2@"-*/" "2!" C1
"#2/ " 7/")"#9'J " O")KL/-F/"
)cfd+(KL//2@"% 1=-M-.4%%‚" 4E"/ +:!1 2@"
-*/" "2!+1!1f% !1;Š;‹;‹sŒ% </" 4*1 @)
+641 &(c e"@21!1/2H13" &""U"#4/"I)" "2!#1!1
" 7/" "2!% !1dA
2.2.2. Đối tượng
•H:/-7+","1B1!11 ! -M-.4%%‚" 4E"k
/ +:+(-?`1O/!)-71")1 2 {" )/
" 7/" "2!-"[*K*A
k "2!-"[!H:/1 2 {% !1 (/1=94134"
/gii
"2!;"#2/*K*#/2( @)+)*"1 ! A
k!1-.41 4$+71, !"A!1% 2B B*"E"#4/ !"D
"#2/ " 7/")A
k!1-.41 4$+7"#2/*K*")A
k "2!+/2( " 7//2(% 4+C11!11 ! 1 4$
+.")64 " 7/" "2!-"[*K*-$"
)/B64&""&c "2!Kv"#UD2/K9;-K9;" "2!+1!1
"O1 ]1"0H:/% !1^"#2/?1+(/2(?1dA
2.2.3. Quyền và nghĩa vụ các bên tham gia thanh toán điện tử.
kŽ4.+(/ x+:1M/?Q !"' l
•/?Q !"' 1=64.l
94134/I (/Šc/I (/ :1+:)G d>!1 E-Z E
-?`1' 1 4$".H2)G *+(2+(14/1,1!1" </"13" &"A
94134/I (/Š 4•' 1 4$". 281-a'@".% /I
(/1 4$D-P1 eA=" $% &4@;-
•
n;KF" ?Q//I (/&4
/I (//I#DD=""#2/64!"#G " C1 ' 1 4$".A
•/?Q !"' 1=/ x+:l
B1=-M".^/I (/Š-$" C1 ' 1 4$".=A&4
/?Q !"' + @)64-P +.+1'E;/ D*H4/1 4$".
/I#" " @" G B1 P4"#!1 )KF" ?Q/A/?Q !"' B"#B
-M1 0HP1 +:1 4$".1 2/I (/ŠA
- Quyền và nghĩa vụ của Ngân hàng A
•Š1=64.l
94134 !"' 'E+(*' 1 4$". 281' 4•" g2-S/
64-P ;"#B'@' 1 4$"."#2/ !"' &4D4)*"" Q/64
-P "#9"(% 2B1M/?Q !"' % </-M".-$" C1 1 4$
=A/I (/-?`1" 4 0HP1 +:1 4$"." g2)]164-P A
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' 4•".KL//,H2/?Q !" ( *+(2D/1 ]/"U-"[+(
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-Z" C1 ' ;1="#!1 )>!1 E+("#B'Q"#D2!"+.' 1 4$
"." g2941341M/I (/ E' A ?Q/>49-71 &4D7H?"(
% 2B1M/?Q !"' ; 2("#B".1 2/?Q !"' c"#2/"#?Q/
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" ?Q/" " @+G W/'|H2)G /I#1 21!1K9" )/" g264
-P ( A
- Quyền và nghĩa vụ của Ngân hàng trung gian:
•/I (/"#4//1=64.l"U1 7"& E' 1 4$".;
' 4•% </ `'AU1 7' 1 4$=1M/I (//[' "#2/
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/I (/"#4//1=/ x+:l" C1 1!1" M":1" g264-P
-$1 4$"&' 1 4$".A#D2!"/I (//[' &41=/ /Q
281 !" 1=D'3)"#9' 1 4$".A2('@"./ "#2/'
1 4$"."#2/"#?Q/ `D7".-=% </-?`11 4$-&jA7
1 &4D7H?"#9"(% 2B+/I (//[' +(+/I (/ E
' "&" g2+.1!1' -Z-?`1" C1 ; BKF" ?Q/" " @+G
W/'|H2)G /I#1 21!1K9'964" g264-P ( A
- Quyền và nghĩa của Ngân hàng B:
/I (/j1=64.lU1 7' 1 4$".% </ `';D-P
1 e 2811!1% 2B1 4$`% </1= `-F/1 , E1 4$`AU
1 7' 1=1M/I (/1 4$' &4/I (/(% </1=-M% B
J/" "2!;!H:/1!1K ! @"" g2'4E"-P -7+/?Q
E% "#9"(% 2B1M/?Q(% </-M"." "2!1!1% 2B
1 4$` `'A
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z!1-P 1!1' 1 4$".-&A2(","' 1 4$"."#2/" Q/
" C1 64-P 4•' 1 4$"." g2' 1M/I (//[' A
f4"#G% BJ/" "2!1M/I (/)G -7+1!1% 2B`;
/giu
1 4$"#B/I (/ŠD7"./ "#9' 1 4$=A71 &4"(% 2B
+/?Q E+(/I (//[' +.1!11 4$".-Z" C1 AjF
" ?Q/" " @+G'|H2)G /I#" g264-P ( A
k Ž4.+(/ x+:1M/?Q El
/?Q E1=64.lU1 7 E' 1 4$`% </-?`14•
64."#?1AU1 7 E".c-7+1 4$".=d&4% </)47
EA94134/I (/j/ 1=/"#2/" Q/64-P AAA
/?Q E1=/ x+:l , E" "2!-3-M;%P" Q-71!1
% 2B1 4$`1=4•64. `'Az!1 E+/?Q !"' % -Z
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134At "#C1"& E"."@/I (/jc% </64"(% 2Bd/?Q
E B1=/ x+:1 ]/) -S/'(/?Q-?`11 e-P "#2/'
1 4$".A BKF" ?Q/" " @1 2/?Q" : ?^/H2% </"
"2!-S/ @1!1% 2B`" g264-P ( A
2.2.4. Các thuật ngữ trong thanh toán điện tử.
k/?Q !"' l'("O1 ]11! I/[' 1 4$".-&/I
(/-$" C1 +11 4$".-"[A
k/?Q E' l'("O1 ]11! I-?`1" : ?^/D7".
c&4'(1 9 '1 =d+('("O1 ]11! I"#B".c&4'('
1 4$`1=4•64.dA 1a/5'(/?Q"#B".
k/I (/ŠcŠdl'("#C1"& E' 1 4$"."U/?Q
!"' -$" C1 +1-=A
k/I (/jcjdl'(c-?`1>!1-P "#9' dD•"#B1 2
/?Q" : ?^/c&4'(' 1 4$".=d 281D•" 4-?`1"U/?Q E
c&4'(' 1 4$`dA
k/I (/"#4//l'("#4//1 4$"./WŠ‘
jA4h% 7'?`/".)(1=" $1=iD7 281 .4" )/" C1
"#4//A
k/I (//[' l'(Š 281/I (/"#4///['
1 4$".-&)*""&" g2-$" C1 ' 1 4$".1M/?Q
/gi}
!"' A
k/I (/ E' l'(j 281/I (/"#4// E-?`1
' 1 4$"."U/I (//[' 1 4$-&-$" C1 ' 1 4$
".1M/?Q !"' A
k 1 4$".l'()*"1 e-P 1M/?Q !"' -7+
H?H@/1 ]/"U%&"2! L)" C1 +11 4$".-"[A
E1=" $KL/1 ]/"U-"[;' E1=" $64-P " Q-$);/2(
#% </%’)" g2-.4%" "2!(2% !1A EK2/F)'
E1 4$".= 281' E`A
k 1 4$`l'(' 1 4$".1M/?Q !"' L)/
`"(% 2B1M/?Q E1="(% 2B"@/I (/j;)*"D7".>!1
-P +(-$/ 1=1 2"(% 2B1M/?Q !"' "@/I (/Š+.D7
".-=A
k 1 4$".1=l'(' 1 4$".1M/?Q !"' L)
/ `"(% 2B1M/?Q !"' "@/I (/Š)*"D7".>!1-P +(
-$/ =1 2"(% 2B1M/?Q E"@/I (/jD7".-=A
k W%R-"[l'()Z% 2!KB2)E"-?`1>!1-P #9/1 2"U/1!
I1 ]/" C164. @;"#!1 )+(1 ]1J/ )+:" g294
134;64-P At 1=)*"1! I/ 1 W%R-"[1M)G '91 ]/"U
-"[" G1 W%R-=1=/!"#P ?1 W%R""#91 ]/"U" M1</A
2.3. Điều kiện để áp dụng thanh toán điện tử .
!1/I (/" "2!-"[ B-B)KB2)5-.4%%‚" 4E"
+(+(/ +:13" &"+." "2!H2"O//!)-7164-P K2/F)l
.1ND^ @"3/;-; " 7/)!"0 +( I'C1-$-B)KB264!"#G
" "2!A
* Điều kiện về pháp lý
L)% \1 :1 W/"F"@/I#DC1 E)"#y"#2/% I4"
"2!;1 0 M-ZK ( 64&"-P Žiˆƒ/(Yi“Yi“iXˆ…1M
1 0 M+.+1D[H:/1!1HW'4" </""#9+E")/"-$'()
1 ]/"U%&"2!+(" "2!1M1!1+(1!1fA 7/-71
/gi
K ( ŽuYˆ”Žr/(iƒ“YX“iXX…+.'E;D[H:/;%$)D2!";>[
'R;KB264B+('?4"#W1 ]/"U-"["@+(fA#91ND^-=1!1
")-Z/ 91]4;-O)1</"!1" "2!'9 (/1M)G A
* Điều kiện về kinh tế
$-O)1<// "#2/" "2!"#91ND^DC"&K*1M1</
/ " </"" G B1=-M-.4%+.1ND^+E"1 ,"+./4F+7"C
1=+(KB" I B% H2 1='Z)1=-.4%-O)1<//
" 511M)G A| BH4"#G% BJ/1 "#B+(" "2!-$-B)
KB2" "2!%P" Q1!1% 2B" "2! !"D 1 2% !1 (/A
* Điều kiện về kỹ thuật
B-?`1"#/KP " 7/)!"0 -@1</D4,"'>['R
" </" +(1 0 >!1-!]/1 21</"!1 -@ 2!1<// A
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%&"7/W"#4/"I)+(1 ! A B1=-*/V1!K*/n+." 51+(
" " <// +:-$>['R1!1"G 47/+?/)!1;DD=""#2/64!
"#G +E ( ;!H:/1<// )A
2.4. Vai trò của thanh toán điện tử.
"2!-"[#-QHC"#9DC%&" U1M" "2!% </
Hv/".)8"A/(/I (/'(/( ]/H:/)@ )•1<//
" 51;'4<'4< 2(" 64"#G 1<// +(1B"&/ +:"
"2!/I (/ADB>4,"+('?4" </ (/ 2!/(1(/ !"
"#$;64 " "2!KL/".)8"-?`1" KL/ G " ]1" "2!
% </Hv/".)8"A
"2!-"[/= 364"#5/"#2/DC/ !""#$%
"&-,"?1;" C1 1 =/1!1941341M% !1 (/;1 0 >!1;
%P" Q+("J/ +a/641M+7;/= 3"&"%)1 0'?4
" </H2% </+E1 4$".)8""UN(D/N% !1A
"2!-"[1=-81-$)'(#S"/\" Q/" "2!;
/5;1 0 >!1/B)" M":1" "2!A
/giƒ
3. Quy trình Thanh toán điện tử ở NHCT Việt Nam.
3.1. Chứng từ sử dụng trong thanh toán điện tử.
1 4$".H?H@/1 ]/"U/, B'E" g2-S/)_4-B)
KB2"0 `'1M1 S/"U64-P "@1 &-*1M1 ]/"U%&"2!/I
(/;"O1 ]1"0 H:/K ( " g264&"-P uri“Žk/(Y}”
irkiXXƒ1M" 7/-71+(1!1+JKB ?/H_1='9641M
/I (/</" ?N/")A
1 4$".H?H@/1 ]/"U-"[ B-!]/1!1"94
1 4THW'4H264-P "@641 &+('E;D[H:/;%$)D2!";>[
'R;KB264B+('?4"#W1 4$".-"[1M/I (/+("O1 ]1"0H:/
K ( %’)" g264&"-P uYˆ“Žk/(iƒ“YX“iXX…1M" 7/
-71/I (/")A
11 4$ 2!1 ]/"U-"[" ( 1 ]/"U/, 281/?`1'@
-$ :1+:94134" "2!+( @1 "2! B-B)KB2DCJ% -S/
/W1 ]/"UHv/'()1J1]-$1 4$ 2!-S/)_464-P +(-B)KB2
"0 !'R1M1 ]/"UA
3.2. Tài khoản sử dụng trong thanh toán điện tử
^/I (/</" ?N/)^"(% 2B-.41 4$+7iXiAYiA
k(% 2BiXiAYil.41 4$+7"#2/%& 2@1
k(% 2BiXiAYrl.41 4$+7/2(%& 2@1
"(% 2B(1=*H4/%&"1,4 ? 4
j9`l
•@ ! /I (/</" ?N/") @1 "2!1!1
% 2B-.41 4$+7+(1,+71 21 ! A
•@ ! /I (/</" ?N/ @1 "2!1!1% 2B/[+7
"@/I (/</" ?N/")A
j9=l
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! A
•@/I (/</" ?N/" $ D7+7"@/["@")
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f?`l
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!
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f?=l
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•@1 ! " $ D7+7 E1M")
!1"(% 2B-?`1" C1 "#91ND^1!11 ]/"U" "2!-
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]/"@1 ! 281"#91ND^" C1 )764 +
"(% 2B"#9
fl(% 2BiXiAYˆl.41 4$+71 Q" "2!
(% 2BiXiAYƒl.41 4$+7%R64‚A
3.3. Quy trình thanh toán điện tử.
3.3.1. Ngân hàng khởi tạo:
kt !1 (/1= 4134'E+(*+(21 ! N)G )^
"(% 2B1!11 ]/"U ` !; `'" g21N1 &" "2!64/I
(/1M+( ?/H_1M/I (/</" ?N/")-7
+"U/" $" ]1" "2!A
k "2!+9 E1 ]/"U1M% !1 (/*+(2 B"&
( %$)"#"0 ` !; `'1M1 ]/"U;%$)"#D7H?"#9"(
% 2B1M% !1 (/A&4-M-.4%" "2!D•>['Rl'E1 ]/"U
" "2!-"[-7+N/2HP1 "]1" Q+(-M-.4%%‚" 4E" 281
%R"#91 ]/"U#F1 4$D/K* E" "2!1 49"#!1 A
kj* E" "2!-"[ E1 ]/"U+(1 W%R1M" "2!
+9;"& ( 1 4$ 2!1 ]/"U/," ( 1 ]/"U-"[1v/" $
" ]1" "2!c• )1 ;D{1KB21 1MH2 / 2811! IdA
|1 ]/"U" "2!-?`11 4$ 2!" ( )*"' 1 ]/"U-"[A
k‹4% " "2!+9'E>2/1 ]/"U-"[KL/)!;"&
( 1 ]/"U1 4$".;%R"9;%’)" g21 ]/"U/711 4$1 2
/giˆ
"#?Q/ a/%&"2! 281/?Q-?`14•64.A
#?^/ a/t&"2! 281/?Q-?`14•64.%$)D2!""0 `
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-?`1#+(1 ]/"U"#9)!"0 A&4 ` !; `'+(% -S/D•
1 , E"0 %R 4)E"1 21 ]/"U-?`1'?4"#?1% 64&"-P
1 4$-A
]/"U/71;1 ]/"U" "2!-"[-?`1/2'@1 2" "2!
+9-$ @1 "2!'?4"#WA*H4/ @1 "2! ?D4l
•7+/ =KL/4• )1 ;4• )" 4;D{11 4$% 2B
"#91v/-PK("e ;" ( 7 @1 "2! ?D4l
`lt"./[ 281".+1M% !1 (/
=lt-.41 4$+7"#2/%& 2@1 iXiAYi
•7+D{1/ `" "2!KL/D{1KB21 ;D{1-P )]1;D{1;
@1 "2! ?D4l
`lt-.41 4$+7"#2/%& 2@1 iXiAYi
=lt"./[ 281".+1M% !1 (/
•7+1 4$"." "2!" ?"0H:/; @1 "2!l
`lt1 4$+7"#2/%& 2@1 iXiAYi>>>
=l`lt"./[ 281".+1M% !1 (/ 281t" 01 `
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1!1 1 0 >!1A
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"#4/"I)" "2!A
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?/H_1:" $1M"U/'2@".1 4$1J1]+(2+JKB64-P "U/
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3.3.2. NH chấp nhận (NHB)
kj* E" "2!-"[ BK7"#01!K*1 49"#!1 "#C1;-B)
KB2"0 '9":1-$1 4$".-&At !"D / +:" "2!-&;
K* E" "2!-"[" </K!2%P" Q1 2 a/%&"2!c 281/?Q
4•64.d-$/B)J+(%$)"#%R 4)E"A
k#?^/ a/%&"2!c/?Q4•64.d% E-?`1" </K!2
B" C1 +1/B)J+(%$)"#%R 4)E"%P" Q;K$4" 7/%9
1!11 ]/"U" "2!1:" $-&-Z-?`1%$)"#%R 4)E"'()1ND^-$
/grY
%$)"#+(%R"#91 ]/"U :1 FA
k "2!+9 :1 F>2/1 ]/"UD\>&1 ]/"U/,`
#9/;/,1=#9/;" g2" ]"CD7'4 B"@2+(1 4$1 2"#?^/
a/%&"2!%R
k E-?`11 ]/"UH2"#?^/ a/%&"2!1 4$-&;" "2!
+9 B @1 "2!%P" Q1!1% 2B1 4$". -$-!]/ 4134
1 "#B1 2% !1 (/A7+1!1% 2B" "2!"#2//(;% !1 (/1 e
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k0 1 ,"` 1=1M1 ]/"U :1 F v `+*H4//
` / 1=1Mt-.41 4$+7AJ1]+(2 E%$)"#+( @1
"2!+&-7]/A
k7+1 4$"." "2!l
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=lt"./[;".+1M% !1 (/ 281t" 01 `
k&41 ]/"U1= @1 "2!l
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k7+1 4$".+7"& E+7"#2/%& 2@1 +(/2(%&
2@1 1M64A
• E1 4$".64 " 7/" "2!-"["#4/"I)"
"2!1 4$+.;1 ! @1 "2!l
`lt-.41 4$+7" "2!% !1 " 7/iXiAYX
=lt-.41 4$+7"#2/ 281/2(%& 2@1 iXiAYi
•t E-?`1/,K!21="U1 4$+.1 ! @1 "2!l
`lt"./["@
=lt-.41 4$+7" "2!% !1 " 7/iXiAYX
k1"0 'J E+(/[+7-.4 2(H2")"0 +(
@1 "2!1 4$+.1 ! A@1 ! E-?`11 4$".
" 4'Z+7-.4 2(1M")" </K!2" G @1 "2!A
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•t E1 4$"."#B'Z/[+7-.4 2(1 ! @1 "2!l
`lt-.41 4$+7"#2/%& @1 iXiAYiA
=lt1 'Z-.41 4$+7
k ! "& E+71M/I (/</" ?N/"
)K2/F) .4'2@l#2/%& 2@1 ;/2(%& 2@1 ;"("#`4•" !1-34
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Hb%h @+('Z>4,"1M"U/)= E"&+7-$1=%& 2@1 D[H:/+(
*")-S/ @;+EH:/'Z" g21N1 & ( A
3.3.3. Kiểm soát đối chiếu:
Mô hình kiểm soát đối chiếu:
1 Sl
i lŠ1 4$".-&j
r l.41 4$1M1 Š+c147/(d
u l.41 4$1M1 ( j+c147/(d
} l1 4$-71 &4+.Š+(j
< G %$)D2!"-71 &41!11 ! +% !1
" 7/ ?‘;% 2K@1+(/W1!1"#9-J%R `-F/
+.+1" "2!/W1!1% !1 (/" 4*1 " 7/")+(
‘;% 2K@1;~
/grr
Trung tâm thanh toán
cid l ! 1 4$1 ]/"U+.
crd l1 4$1 ]/"U1M " 7/1 2/I (/% !1
" 7/
cud l!1/I (/% !11 4$1 ]/"U+.
c}d l1 4$1 ]/"U% !1 " 7/+.1 2
k ?N/ !%$)D2!"-71 &4l€ "C%$)D2!"-71 &4"#2/
" "2!64)@/1M-?`1" C1 " g2 ?N/ !%$)D2!"
"E"#4/;-71 &4"E"#4/A
k!1" )/+(2 " 7/" "2!-"[/[".--7
1 &4+."#4/"I)" "2!+(2147/(/2HP1 ;K2/F)l
•1!1KB/%9;1!1% 2B1 4$".-
•1!1KB/%9+(1!1% 2B1 4$".-&
k#4/"I)" "2!D•>g)>{">g)1=% -S/+1!1-
1 4$".+."#4/"I) % </AF/" Q1 21!1/I (/1=H2
D7 !"D K9`;K91=+(D7H?"(% 2B" "2!"@" Q-$)147
/(/2HP1 A
k47)|/(D4% -71 &4+1!11 ! D7'4 B
-?`11 4T 2! ?D4l
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"2! B% 4
•f2 D71 4$-&/W1!1/I (/+("#4/"I)" "2!
B% 4
•O/H2 D71 4$-"#2//(+H2 D7 E-&"#2/
/gru
Trung tâm thanh toán
ệố
/(1M"2( " 7/ BKL/ 4
5'RH21 9 '1 4 B-?`1>['R+(/B64&""#?1% % 2!DOA
3.3.4. Điều chỉnh sai lầm.
A 3)'_ !" % " "2!+9'E1 ]/"U-"[;#?^/
a/%&"2!1 ?"0 %R 4)E"l
k "2!+9-?`1 {D['@+('@1 ]/"U-S/
• 3)'_D4% "#?^/ a/%&"2!-Z"0 %R 4)E" ?/
1 ?64&"-P 1 4$-A#?Q/ `("4"-7% </-?`1D[1 W;
% </-?`1 4•Kn+G1 ?N/"#G 1(-8""C-*/9% "#?^/ a/-Z
,S"1 , E"0 4)E"" G1 ]/"U'E"]1-?`1/ +(2K* -$
1 4$-A81HvD4-=1 ! D[ 281 4•Kn1V/1 e-?`1^ 3
1 ! 1a1 ]/"UD+_" g21 ?N/"#G "C-*/1 4$-&"#4/
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