Giải pháp phát triển thẻ thanh toán tại Ngân hàng thương mại cổ phần Á Châu Luận văn thạc sĩ

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TRNGăIăHCăKINHăTăTP.HCM




NGUYNăPHNGăUYểN


GIIăPHÁPăPHÁTăTRINăTH
THANHăTOÁNăTIăNGỂNăHÀNGăTHNG
MIăCăPHNăÁăCHỂU




LUNăVNăTHCăSăKINHăT




TP. H Chí Minh - Nm 2014




BăGIÁOăDCăVÀăÀOăTO

TRNGăIăHCăKINHăTăTP.HCM




NGUYNăPHNGăUYểN

GIIăPHÁPăPHÁTăTRINăTH
THANHăTOÁNăTIăNGỂNăHÀNGăTHNG
MIăCăPHNăÁăCHỂU




LUNăVNăTHCăSăKINHăT


Ngiăhngădnăkhoaăhc:ăăăPGS.TS.ăPHMăVNăNNG


TP. H Chí Minh - Nm 2014



LIăCAMăOAN

 




 
 

 






MCăLC
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


 

Liămăđu 1
CHNGă1ă: TNGăQUANăVăPHÁTăTRINăTHăTHANHăTOÁNă
CAăNGỂNăHÀNGăTHNGăMI 3
1.1ăTngăquanăvăthăthanhătoán 3
1.1.1 Khái nim v th thanh toán 3
1.1.2 Phân loi th thanh toán 3
1.1.3 Nhng li ích khi s dng th thanh toán 6
1.1.3.1 i vi khách hàng 6
1.1.3.2 i vi ngân hàng 7
1.1.3.3 i vi nn kinh t 8
1.2ăHotăđngăphátăhƠnhăvƠăthanhătoánăthătiăNHTM 8
1.2.1 Các ch th tham gia vào hot đng phát hành và thanh toán th 8
1.2.1.1 T chc th quc t 9

1.2.1.2 Ngân hàng phát hành th 9



1.2.1.3 Ngân hàng thanh toán th 9
1.2.1.4 Ch th 10
1.2.1.5 n v chp nhn th 10
1.2.2 Quy trình lu thông th 10
1.2.3 Nhng ri ro trong hot đng phát hành và thanh toán th 11
1.2.3.1 Ri ro trong hot đng phát hành th 11
1.2.3.2 Ri ro trong hot đng thanh toán th 11
1.3ăPhátătrinăthăthanhătoán 13
1.3.1 Khái nim phát trin th thanh toán 13
1.3.2 Các nhân t nh hng đn s phát trin ca th thanh toán 14
1.3.2.1 Các nhân t thuc v ngân hàng 14
1.3.2.2 Các nhân t thuc v khách hàng 15
1.3.2.3 Các nhân t khác 16
1.4ăCácăchătiêuăđánhăgiáăsăphátătrinăthăthanhătoánătiăNHTM 17
1.4.1 Các ch tiêu đnh lng 17
1.4.1.1 Mng li thanh toán 17
1.4.1.2 S lng th phát hành 17
1.4.1.3 Doanh s thanh toán 18
1.4.1.4 Doanh thu t hot đng th 18



1.4.2 Các ch tiêu đnh tính 18
1.5 Kinh nghimăphátătrinăthăthanhătoán cácăncătrênăthăgii 20
CHNGă2ă:ăTHCăTRNGăKINHăDOANHăTHăTHANHăTOÁNă
TIăNGỂNăHÀNGăTMCPăÁăCHỂU 25

2.1ăTngăquanăvăthătrngăthăthanhătoánătiăVităNam 25
2.2ăTngăquanăvăNHTMăcăphnăÁăChơu 30
2.2.1 Gii thiu v NHTM c phn Á Châu 30
2.2.2 Thc trng hot đng kinh doanh ca NHTM c phn Á Châu t
nm 2010 đn nm 2013 32
2.3ăHotăđngăkinhădoanhăthăthanhătoánătiăNHTMăcăphnăÁăChơu
37
2.3.1 C s hình thành hot đng kinh doanh th thanh toán ti NHTM
c phn Á Châu 37
2.3.2 Gii thiu các sn phm th ca NHTM c phn Á Châu 39
2.3.2.1 Th tín dng 39
2.3.2.2 Th tr trc 40
2.3.2.3 Th ghi n 41
2.3.3 Kt qu hot đng kinh doanh th thanh toán ca NHTM c phn
Á Châu t nm 2010-2013 42
2.3.3.1 Hot đng phát hành th ti ACB 42
2.3.3.2 Hot đng chp nhn thanh toán th ti ACB 48



2.3.3.3 Thc trng ri ro trong hot đng phát hành và thanh toán
th 55
2.4 KhoăsátăthcătrngăphátăhƠnhăthătiăNgơnăhƠngăTMCPăÁăChơuă
(tăthángă03/2014ăđnăthángă05/2014) 58
2.5ăánhăgiáăhotăđngăkinhădoanhăthăcaăACB 67
2.5.1 Nhng kt qu đt đc 67
2.5.2 Nhng vn đ còn tn ti 68
CHNGă3ă:ăGIIăPHÁPăPHÁTăTRINăTHăTHANHăTOÁNăTIă
NGỂNăHÀNGăTMCP Á CHÂU 72
3.1ăMcătiêuăvƠăđnhăhngăphátătrinăthăthanhătoánăcaăNHTMCPă

Á Châu 72
3.1.1 Mc tiêu 72
3.1.2 nh hng v phát trin hot đng kinh doanh th ca ACB giai
đon 2014-2018 72
3.2ăGiiăphápăphátătrinăthăthanhătoánătiăNHTMăcăphnăÁăChơu . 73
3.2.1 V chính sách phát hành th mi 73
3.2.2 T chc thc hin nghiên cu và phân tích th trng 75
3.2.3 V chin lc marketing 76
3.2.4 Nâng cao cht lng dch v và m rng mng li đn v chp
nhn th 78
3.2.5 Xây dng biu phí hp ĺ, cnh tranh 80



3.2.6 V hot đng qun ĺ, kim soát ri ro an ninh h thng, bo mt
th 80
3.2.7 V chính sách khuyn cáo khách hàng khi dùng th 82
KTăLUNăCHNGă3 86
KTăLUN 87
TÀIăLIUăTHAMăKHOă… …….…… ……….… ………………… 88
PHăLCă.………………………………… ………… …………………90





DANHăMCăCÁCăCHăVITăTT

ACB 
ATM 

Banknetvn 
BTBGD 
 
NHNN 
NHPH : Ngân hàng phát hành
NHTM 
NHTT 
POS 
Smartlink 
TMCP 
TTKDTM 
VNBC 
VCSH 



DANHăMCăCÁCăBNG BIU

DANHăMCăBNG:
 2007  2013
 2007-2013
ACB -2013
 - 2013
ACB - 2013
 2010  2013

hành  2010  2013
8  2010  2013
9 - 2013
 2010-2013

11 2010  2013
22010  2013
 2010 - 2013
  2010  2013
  2010  2013

DANHăMCăBIUă:
  
2013
 2013





2013
-2013
-2013
  ACB  2010-2013
- 2013
  2010  2013
 
phát hành  2010  2013
  2013
 AC2010  2013
   2010  2013

1

LIăMăU

1. LỦădoăchnăđătƠi


              


 



         









              


Nam.
2. Mcătiêuănghiênăcu

  

2



3. iătngăvƠăphmăviănghiênăcu
-  

TMCP Á Châu.
- 
0 - 2013.
4. Phngăphápănghiênăcu
           
 
.
 



5. KtăcuăcaăđătƠi

 
             
Châu.
hâu.
3


CHNGă1ă: TNGăQUANăVăPHÁTăTRINăTHăTHANHăTOÁNăCAă
NGỂNăHÀNGăTHNGăMI
1.1 Tngăquanăvăthăthanhătoán
1.1.1 Khái nim v th thanh toán
T  

 

 và các
106).

            -NHNN
     
c

  
- ngân hàng phát hành, có



1.1.2 Phân loi th thanh toán


- Xét theo công 
 



4


 
 

qua  


 


  






- 
 



 
 






5


- 
 



 


vi
Co-
- 
 





                






 



6


- 
 



 
             
              



1.1.3 Nhng li ích khi s dng th thanh toán
             


 
1.1.3.1 i vi khách hàng



trí, mua s
C  
             
 



 
7












1.1.3.2 i vi ngân hàng
Góp phn tng thu nhp cho ngân hàng: 


 





Tng ngun vn cho ngân hàng




Nâng cao thng hiu, hình nh ngân hàng: 


8




1.1.3.3 i vi nn kinh t
Gim khi lng tin mt trong lu thông, giúp phát trin hình thc thanh

toán không dùng tin mt:        





Tng nhanh khi lng chu chuyn, thanh toán trong nn kinh t, kích thích
tiêu dùng: 
    


Nâng cao tính minh bch cho nn kinh t: 




1.2 HotăđngăphátăhƠnhăvƠăthanhătoánăthătiăNHTM
1.2.1 Các ch th tham gia vào hot đng phát hành và thanh toán th

               



9


1.2.1.1 T chc th quc t


         







1.2.1.2 Ngân hàng phát hành th



   là ngân hàng có uy tín

1.2.1.3 Ngân hàng thanh toán th
NHPH 



           
 


10


1.2.1.4 Ch th


- Ch th chính

- Ch th ph

 

1.2.1.5 n v chp nhn th



1.2.2 Quy trình lu thông th

a khác nhau.
Bcă1: NHPH.
NHPH   
Bcă2: 
Bcă3: 
- Khách hàng giao dch tin mt: Khách hàng 
  
- Khách hàng 

Bcă 4:             

11


Bcă5: 
Bcă6: 

Bcă7:  


Bcă8: 
 

.
1.2.3 Nhng ri ro trong hot đng phát hành và thanh toán th
1.2.3.1 Ri ro trong hot đng phát hành th
- Ri ro do thông tin phát hành gi: 



khi 

- Ch th không nhn đc th do ngân hàng phát hành gi


1.2.3.2 Ri ro trong hot đng thanh toán th
iăviăngơnăhƠng
- Ri ro do khách hàng s dng th gi mo



12



NHPH .
- Ri ro tín dng

 



- Ri ro đo đc: 





:
- 
  


-  giao


:




13


1.3 Phátătrinăthăthanhătoán
1.3.1 Khái nim phát trin th thanh toán

 

 


 



 




                





2. 

phí  
14


1.3.2 Các nhân t nh hng đn s phát trin ca th thanh toán
1.3.2.1 Các nhân t thuc v ngân hàng
- Quy mô và phm vi hot đng ca ngân hàng:
            
,
, 

.
- Trình đ nng lc ca nhân viên ngân hàng:

 
  c.


            



- Công ngh th và tin ích cung ng cho khách hàng:

Chính v

 ATM
tro


