Giải pháp tài chính ngân hàng để góp phần thúc đẩy thương mại điện tử việt nam phát triển trong giai đoạn hiện nay , luận văn thạc sĩ

!

"

#$


!
!
!

"
!"#

!$

#
%&'

*

(2

$%
(&

()

3

#

* +, +

&1

-./' 0&1

4

%!"


"

!"

#

$

%

& '

5 6 7
( $ '
,-

$ "
+

)* +
.

+%

(


&

&*/ /0
1 5

12
6

&8*& /
2 =
0

0;'
6

&+/& /0
4 0
%
/9

6

/9

7

3 4

&$5

9

+

(

"

08 +

: &

9 5
; $
%
> #
5

;<
3A

( 5

5
? @

& B

%

08

6

6 6 /9
6

'

9

6
6

C '

6

C @ ;

5 '& ;

C @ ;

5 '&

C @ ;

5 '&

+%9

5

.

5

& A& : @
%

/8 /
3 2

4
2

* /( 5
6

2

#* /E

5

>

2

3

C

6
1

F "

2

6

D

>

$
&

*/

'

C

0

2

( $

? $ B

C

D

6

-89 /G 3

6

BH

:

IE
%

;;; /J ; J ; J >6

5 &$5
E

@

'

>

!

;


6 7

"

&

5E

D

KLL*

$
6 7

:

?B

D

KLL* /9K9 M 9K 6 5

?B

9K9

$
6 7

<

:

6 7

=

:

6 7

9

>

#
"

$
5

&

D

KLLL + KLL*

& ? @
7 E

KLLK
$

%

KLLN


)

>

5 D

;H

>

9 7

D

&

E

>

9 7

D

&

E

>

<

H5 D "

E

>

=

H5 D

>

0:A

H5 D

>

E

>
>

4

9 7

>

?

A

>

@

9 7

D

D
KLLO

'&

*

&

? $ B
>
&

$

5#

7

#

7

; $
N* ->5

5

&

>

$

&

$
KLLN
$ .

)LL ;

"


"

A
5

$>

&

:

$

"

:

$

>

:

$

? $
?&

!

@'

' @!

D

P

H

$
D

!

,
F

)))

(B

G

H IJ
H

))K
))Q
M N
)K)
)KK

C-& :/2
G I
5

FK
7

"

&

;H
FK

;H

E

F7

Q
Q

? $ B

Q

? $ B
&

L 0 M

'

&)# 0#/D
L 0 M

&

R
J 7

!

*

? $ B

7

F7

N
O

;H

?B

O

&

? $ B

S

)KQ

> 5

7

)K*

;

)KW

;

T

E

)QK

?

<

"
R

O

7

V
)L
)L

S

))
)Q
$

K5 G T

419

LJ R

#

)*K

&

"

MU J

: MO

? $ B

)N

&

)N

&

)S

)*K)

&

? $ B

$ (

-

)S

)*KK

&

? $ B

$ A

5

KQ

LO I

8&)
# O A

&

U

? $ B

)

$

)W

&

!
K K7

U

9 "

0 OA
)*)

B

"

H M OF7 P/Q6
)Q)

(

!
O G JK K7

&)# 0#/D
LO I

G V O

E &)# :

KW
KW

K))

& &

$

D

E

KW

K)K

& &

$

D

' X

KV

K K7

LO I

FK

L 0 M

KK)

D>

'

KKK

D

KKQ

D

"

KK*

D

; $ +

KKW

D

F7 : MO

U

; @

Q)
Q)
Q)

;

&
$

'

$

QK
QK
QQ


KKN

7

5'

KKO

D'

+

KKS

D

5

K5 % O L : G

5

QN
W

,X

KQQ

!

-

5

&

$

7

FLJ OA L

5

7

75

7

$

$

K*K

$

$

K*Q

!

BH

"
; $
5

7

D

K*QK

D H

&

K*QQ

D

' $

Q))

D5 .

Q)K

D5 .

?B &
&

*L

? $ B

*)

;

R

D

Y

$

SO L :

**

%

**
*O

%

KL)L

.

&"#

WL

$

W)

3

&[
0 : * &$

5O OA Z

FK

5
;

*V
*V

-$ 0&B.

\FKLJ Y

QS

QS

$

#&E# * &$*

5Y J

7

%

K*Q)

($* * &2
7 Y

0 :
"

H M OF7 P/Q6

&

,

5O OA Z

KLLN + KL)L

LO H M

K*)

Y

? $ B

;

$
<

FK5

&

;
D

Q*
Q*

; $

KQK

$ #

D

IU

KQ)

&

L 0 M

&"

0/B
8#/B

WQ

F7 :

WQ
WQ

5

WN


7 Y

5Y O

J

N)

QK)

5

; $

5 7

"

'

;H

' $

&

QKK

B 7

QKQ

B 7

$

D

N)

'

$

>

"

NK

'&

'

& ! ' '&
QK*

&
? "

QKW

NQ

#

J >

J >

?

?B

5

5 #

%

5

5

QKWK

%

5

5#

QQ)
QQK

FK7

&
%

&

D

@

/] 9-&D
&"# 9#/D-

J I HFKLJ

N*

6

NW

#

H!

D
' D5

W

F

NW

5

'

.

NS
OK

&$ 5
D

$

$

QKW)

7

7
5 &

/419 "

K JK G

'

OK

"

5

7

?B

OQ

ON
&

&E(

OS


! " #
!
&

!

"

$

*%

. " /

+

!

*

'

+ ! "

+

,2

) "*

+

(

*

1 !1

%

. " /

3! ! "
%

!

*

' ( "

9

*:

"

'

$
2

!
+ %

5

78
)

*

-*

+

*

+ ) "*
+!

!

!

!

,

*

*

! " ) "$

(

*5

) "

0) "$

$

%

9
"

!

$
(

5

-*

%

*

!6

&

(

(

4

" ! " %

+ ,

) "

'

"

'( "
) "*

'

"

2
*

. " /
)

*

%./%
*

"

'
%

" 5

58
6

8 !

*
+

*


; <

3

)

)

$

+!

?

A

+

,

*

!

3

*

! "

"

+

2
!

5 B
%

C

*

) =

*

(

"
!

( "

>

$

+

!

"

! . "

* , +)
)

! "

,
*

. " /

!

-

<
!

% 5

! " ) "

"

!

2!

8 !*

*

!
+

$

@

"
"

>

+


!

"

$%

#

& '

(

8 B! DED ! "

#

FGHF

)

/ "

I
"

J
.

. "

" *

"

FGHF

FGHF I

,
2

"

!

"

#

+

>

"

*

. "

% &J

$
"

" (

+*

* ' . "

)
"

*

"

"

"

,> ! "

) *

( /

J . "

+

'

,

(

9

&
)

FGHF
%

0
$

$

FGHF

(

(J

2

0
&

) "

, -

. "

) ( "

I ' (J

!

!

1

)

+

+

! "

'

-

% HI
?

" *
!

*

( < I

,

,

"

!
!

"

"

FGHF

+

! "

!

, -

J

" )

( "
+

*

+

( "
!

"

&H I

- .

% HK&H 6

( "

"
"

) ( "

&

"


)
'
8

*

.

)

*

) ( "

* ) ( "

&

!

7

+

) 6A
4

7 2

8

)
:

3

0

=

J

8

E

LQ

B! LLR 9

)6 A
!

2

PGA I; 3 '

F

NNN
*

NNN

2

*

*

" *

+
!

* 2

(

%

!

*
(

,

*
*

"
'

J

+

( "

!

O%%H I5

" 8 O

*

3

J

9 2

?

NNN *

6 J*

NNN

O * ?# 2
&

0 2

*

( /

+<

"

,

9 2

'

! "

1

( 5
&

'

-*

MG8 I

$

NNN I7

! "

,

8 B! DDL % ! 9
(

&

NNN

)
(

!
*

! "

2

"

"

%

"

*

&

+

NNN

!S

"

"

(

T

*

#

O

$
"

+*

"

+!

$

%

+!

)

. " /

U

!
%

&

%
*

@

&
+

%

&U 9

" #

(>
@ (>

$
! "

"V


+
*

*

V

" (

(

@

" V1

V
"

*

V

2 V
V,

(

V

2

+!V
"*

*

V

, 3

!

'

@

# () *

> %

$

"

%

,

"

"$

)

8 ( "
( "

1

(

")

,>

+

!

*

"

%

J

! " (>
*

'

)

)

,

+*

%

"

"*
"

*

. " /
I '( "

"*

B! )

>

! "

(>

I
W

*
,

( "

!

*

) -!

(>

2
"

! "

!

1

!

! "
! "

"

!

(>

(

+

*
(

. " /

, +

,

%

(
%

@

*+

. " /
(

V

@

2

) -

,

! "

( "
V

V

(

"

"

(

"I '( "
JV

(>

"

"

( " J

"

!

>

$
,
* +!

!

& . - /0 12> %
)

" !

1

$

,

,

*
! "

!

2
)

. " /

)
$

&

* +!
! "

&

*

%
)

"

"


,
-

$

- $

-

3

&

" #

$U %
# ) ,

(>

. " /

& 43

%

! " ( "

! "

"

.%

5

-

!

$

(>

%

,

-

!

2

!

!

& X
2

>

(

(

+

"

$

#

. " /

%

2

+
)

U

'

*

!2

) ( "

Y ,)

* O "

$

,

$
"

-

+

+1 !1
>

!

!

*!

?

1 !

(>
) !

Y ,

" (

@

+

)

!

@
, !

S? ,! S
-!

+

@

,

?

"

@

@

,

) (

' ( "

)

!2

" !
U)

+1

$

"

!

!1

+1
!

%

!1

)

!
*

"

"
>

"

( "

"

!

*

"

$

"

!
-

5

8

*
!

"

"

!
*

"

"

X

!

,

-

&

("

$%

)

1
"

,

@


/
H

%

+

- , -

%

! (>

+

*

,

)

7

1

!1

' ( "

" 1

' ( "

&
&

,

,

6 7 ,

)

3

)

+

@

+*

"

8

" 1

2

"

$

*

@

.

#
0

8 & $

#

.%

9

7

;

-

$

-

<

:+
&

-

7

$

$U /
(>

"

(>

)

&

# : 7

+!
*$

' 9

"
"

!
" ,

(

$

! "

*

!2

U /

) ( "

) ( "

"

"

(>

"

! "
"

! "
$

U

+
,

! "

(
!

,

(>

7

! "

T! $

(>

1

#

$

* /

) ( "

"

*

,
"

(

*!

' -

,

S

+

,

(

"

*

#

'
@

*

*

!
(>

) ( "
"

(>
' Z$

"


1
4

*

"

(>

8

*

%

$

. " /
$

%

+

"

U
4

(

*

4

(

*

4

(

*

'

(

* I9 )
I9 )
'

*

(

))

9 )

))

I9 )

) !
))

4

)) :
:

J
J

!

:

J

.%

.:534
394;<=>

*45674
45839

234

4?34
>4@A

U

*

(>

.%
8

*

"

' -

*

%

#
(>

! "

+*

U

7! @ (>

. " /

(

'

!)

%

U9
"

"

!

(

*

(

*
!

"
)

"

%

;
. " /

%


B
UI JO

)

" )
!

* +!

2!

&

$

' -

7

7

"

(>

7

2!

",

U9

!U I J 9

+!

# ! - ,=U

(

!

,

+

$

! "

%

. " /

*

"
!

,

*

1

2!

$

%

+*

+

( "

!

!

>
+ %

. " /

"

'

"
8

+ ) "*
* '

< ,

@

,
"

%

*

"

,

( "

'

"

!U I J A ! (>

"

>
(

"

-U9

!

!

( "

,

"

*
)

#

+

@
)

I[J 4 *

,

*

* +!
"

9

* I JO <
$

I[J ?
!

&$ :+

8

' -

"

I J

!

7!
$

+

IRJ %

I J
' -

* +! $

% !

\

-

(

C

D#

!
+

2

)

U

%

- 0 !,

,

U8

*

%

*

>

'!
- 3

>

!

-

*
7

!

!

U9 *
'

"

Y ,

! !
,

!
$

(

!
(


E
)

.
%

0

" *

- U/ @

#

N ,)

$

@
. -

;

8

>

U9

3 & ?

!

-,

>

)

'

9

#

U%

( <

+

'

$
*

W

>

>
#

,

$

)

* +! (>

4 :+
"

:

$U %

(

*
@

* +! (>

(

+! '

(

B

)

"

" #

U9

<+

3

!

-

>

7

0

U%

:!

(>

) ] 1

*

+

"

<

,
@

U9

2

!

,

)

< >

:+

*

! !

+

)

* +! ( !

* +!
U9

!

*

*

! "
+

.
7

0

U9

!
U

" 1 ! )

*

!
,

$

#

)
"

+1 !

"


" #

U%

"

(

*

!

*

$

- U9
)

$

!

U

' ( "

"

(>

!

, 3
#

-

# U

$
B

( "

!

+

)

@

+)
+

(
'

U

)

* +! (>

' - : >

5

"

"

"

: 7U
"

"

*

* 0
!

)

,
0
\

'

*

2%

,
+
(>

!

+

,

$

'

/ +%
!

*
U I J

"

$

' ( "

!

+

%

!

$

9

!

,

*

$

*

"

"

+

2

*
*

* I J 8
+

!

!

,
(

%

) "
"

. " /

@

. " /

!

! "
*

* +!

H#

,

-

U

B! (

F G

*

"

' ( "

IRJ

(
$

) "
,
I[J O

$

8


%

,
$

*
! "

"

!

2

$

!

>
!

)

.

!

,
2

.

)

! "

+

$

) ( "

(>

2

(

! @

2

. " /

%

"
*
(

. " /

%
<

$

! "
@*

"
"

! "

)

(>

"

,>
"
IM6 9

+,
J

( <

* +!

" *
I

I&

"
)

* +!

!

F%. H_?

+

"

!

,

!

)

*

+ !

(>

" 1 *

$

) ",

'

.

2

B

) "

-

%

$

(>

%

*

! "

"

*

) ( "

!
(>

'

"
!

%

"

DL^

! @

+

. " /
O

*%

*

%

!

*

!

$

. " /

*%

(

,

,

'

%

.

%

)

*

) -! $

!

,

"

'
.

(>

2

2

,

$

B
9

!

)

O

,
! "

(>

"

"

*
R

J

$

*
" (

!
ZJ

"

"

(>

,

,

*

*

'

!
"


5

( "

&

!

"

!
!

"

*

"

(

'

,

(>
!

(

'

*

(

'

!

*

"*

+

! !

!

* +!

!

*

M69

+

)

%

( "
"

*

" *

*

"

B
(
8

#

7

*

#

-

;

# A
8

&
"

( "
"

"

"

+

$
>

8

0*

&
! *

B

!
3

-!

! "
I

*

)

*

" (>

, '

.
+,

+

*

"

"

J

JU 9 3

) ( "

"

2

2

!)

!

Z
. <

, " +
1 !

!
(>

, " +
! "

!

)

'

( "

&

+

*

( "

" I

!2

+*

&$ *

, " +
!

&

! "

+

"
A

-

) +

(> U X

"
2

(>

&

"
+)

"
"
"

*

"
"

"

(

*


)
C # :

:+

A

-

B

4

?

& 8

/

%

$

%

%0

U

C
)!

>

)

!

"

,
- !

C

>

!

!U

!
"

ZJ

( " >

B

1

*
O

7

I J9 +

( "

( "

*

<

_

'

>

<

"

*

>

8

N ,)

)

-!

>

>

+

"

>

>

+

*
'

"*
"

%

. " /

"

%
+

'

)

%

* (>
"
I_

% I,

N ,)

. " /

,

! "

(

Z

*

" !

(>

C

N ,)

I(

1

, N ,)

6 7,

*

*

>

"

"
B

" N ,)

! N ,)

)

) ( "

%

N ,)

"

$

* '

" ! "

+

(>

&

"!

>

+!

X

( "

(

(>

<

, -

. "

IG

*

@*

1

"

: G_&J

"

%

2

)

-

!

! "

,

B

-

( "

! *

. " /
) "

- ! -

1
+

%

&

3

*
! "

" %./%
%

H

)

. " /
` Y

"

!

I J%

1

1

) ( "
+

<

"

J

U8
(>

N ,)

"

% U
JU 9 +
(>

"
)

"

%./%

"


+
& "

(

-

&

"

"

5

)
@

%

+

*

+

* +! !

( "

5

)

( "

!

"*

-

(

>

"

52

M69

*

M69

* +! !

!

*

)

>

*
+

>
!

"

*

!

"

(

)

! U
>

"

!

#

"!

( "

"!

*

!

* +! (>

M6,

(>

G

1

( "

(>

M69

!

"

'
"

-

4? "*

"

U4

"*

!
! "
(>

&

"
*

/

!

-! 4) "*
!
!

B

!

)
)

$

*

!

B

) "*

,>

*1

$
+

)

'

)

1
"

"

"

, U ab

'

'

!

!

"

*

!

"*

( "
$

2

,

$

* (>

" &
I

[J !

) "

)

)

*

+! (>

"

3!

+! )
-

4*

+ ! "
,

! &

"
"

M69

X

!