Một số suy nghĩ về phát triển dịch vụ ngân hàng và mở rộng thanh toán không dùng tiền mặt trong nền kinh tế

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VA MO RaNG
THANH TOAN KHONG DUNG
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TIEN MAT
. TRaNG NEN KINH TE
ThS. Hoang Thin Linh

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rangcacnamqua,ntfaC
ta d<;lt duqctocdQtangtruang nQidungquantrqngcuachuClng
trinhCCI
caul<;IicachO<;lt
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kinhte cao,binhquantrEm7%/nam,l<;Im
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nenkinhte,benc<;lnh
vi$cmarQngtfnd~ngc6kiemsoatthi tong
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Anh: Monh He

cuaminh.
Tfnhdendaunam2004,tatca5 NHTMNhanuacva2 NHTM
cophandahoanthanhgiaidO<;ln
I lieudlfanhiend<;li
hoathanh
toandoWBtaitrq,vaicongnghetientiencuam(>tsohangc6uy
tfntren thegiaicungcap.NhieuNHTMcophankhackhOngnam
trongcactieudlf an,nhu:NHTMco phana Chau,KythuClng,
Bonga, PhuClng
Nam,Quocte, QuandQi,...datlf Umkiemcac
nguonvan,nguontaitrqvatlf dautucacchuClng
trinhphanmem
vi tfnhvathietbitinhochi$nd<;li,
daperngnhucauthanhtoanva
dichv~cuakhachhang.

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trinhmar(>ng
ph<;1m
vi thanhtoanvanangcaohieuquathanhtoan,d6la hethong
thanhtoandi$ntCrliennganhangdugcNganhangNhanuac
chfnhthercduavaov$nhanhthlfchi$ntLrdauthang5 nam2002.
H$thongthanhtoandi$ntCrliennganhanghi$nnaydangtiept~c
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nuacc6'51thanhvienthamgiah$thongtnanhtoandi$ntCrlien
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: binhquanmoingayc69.000I$nhthanhtoan(cherng
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caodiemlentai12.000cherng
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then.Dod6n6chopheptietki$mvantrangkinhdoanh,giamthen
giandqngvantrangthanhtoan,dapungnhucaucuanguaidan.

.

Ngan heng~gOQi thl10ng Vi$t Nom

34

T~ emNCAN
tiANc- 86 3 NAM2004


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chuc The quoc te. Master Card lahoatrangxah<)i,n<;!ntiengia,tinh"mua

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Theochungtoi, gilli phappMt trMn
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vadangtienphongtrongphattriendichv~ th'anh toanphibaohiemthanhtoantien khongthedautu quaIankhlmasL!chap

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consoky I~c,tren130.000the,tanghan th.eno~A~ren,
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den nay len tai 160.000the, doanhso Khob<;!c
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thanhtoannam2003d<;!ttren 2.400ty cuadoanhnghi$p,cuat6 chucvadanvi tienmat nhu:khobacNhanuacthue hai
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VCB-Visa,VCB-Master
Cardva VCB - GiCta
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thequocte cuaVi.etcombank
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anD<),...
chikhoang toanc6giatri lan,c6thetLrmucnaod6
ky ket VaGdauthang1 nam2004.N<)i tienm~ta Indonesia,
cacdanvi,doanhnghi$p,

t6chuchay
dungcuachuangtrinhnayla Nganhang 18%,thi aVi$tNamla 24%.Dayla m<)t giCta
Ngo<;!i
thuanGVi$tNamphoihqpvai T6
nguyennhanquantr9ngcuatinhtr<;!n~
canhan,...c6taikhoant<;!i
NHTMhayKho

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khoancanhanvaphathanh,sud~ngthe
tind~ng,theruttientL!d<)ng,...
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ca nuac,neunhu nam2000,t6ngsotai
khoantienguivataikhoanthanhtoancua
caccanhant<;!i
cacNHTMmaichikhoang
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nam2002 lentai 500.000,va cuoinam
2003tanglenkhoang750.000tai khoan.
Trongcacdiaphuangcuacanuacthit<;!i
haithanhphodongdanClI,d6la HaN<)i.
vaTP.HoChiMinhc6s6dongnguaidan

ma tai khoanva lL!ach9ncac ti$n ich
thanhtoanquanganhang.T<;!i
TP.HoChi
Minh,nai ho<;!t
d<)ng
kinhtesoid<)ng
vac6
m$td<)cacchi nhanhNHTMdongnhat
toanqu6c,trongnam2003datangthem
duqc 180.389tai khoanca nhan,nang
t6ngsotaikhoancanhantrendjabanden
hetnam2003d<;!t
330,297tai khoan,vai
s6du 4.766ty dong,tang58,97%sovai
nam2002. .

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T~ em NCANIIANc- 86 3 NAM2004

35


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b~cNhamtacthicanc6quydinhyeucau
thanhtoankhongdungtienm~t.MOtso
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thanhtoan,nhlI v~ytlnhtuanthusa tl,l'
giachanvadongbOhanchetaicaohan.
Benc~nhvi$cma rOngthanhtoan

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khongdungtienm~tthicanphaiganlien
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toan c6 gia tri cao va cac khoanbat
thlIang, chong rua tien, chong tham
nhOng,h~nchetieu cl,l'cva nganch~n
buonI~u..

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THIICTRANG
VAGIAI PHAPTINDUNGNGANHANG
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chophit trienkinhte
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a Giangla mOttlnh c6 nhieuxa
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ki$n d6 ho~t dOng ngan hang

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tOcnangcaonangIl,I'csanxuat,lamquen
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ltngnhucauvonchocacdoanhnghi$pva
hOsan xuat kinhdoanh,t~o dieu ki$n
nangcaomoitrlIangkinhdoanhn6ichung
va moitrlIcrngkinhte - xa hOicuatoantlnh
n6i chung.
Tfnhdennay,tongnguonvoncuacac
T6 ch([ctin dl,)ng( TCTD)trendia bantlnh
Ha Giangd~t 1.495ty dong,tang21,84%
so vai namtrlIac; trangd6 nguonvon huy

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