Vai trò của công nghệ ngân hàng trong chiến lược phát triển ngành ngân hàng giai đoạn 2011 - 2012

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TIEU DIEM

<i>Phd Thong doc NHNN, Nguyin Toan Thang ciing Pho Chu tich UBND TP. Ha Not, Hoang Manh Hien </i>
<i>chu tri li cStbang khai truang trien lam Banking Vietnam 2010, Hanoi </i>

<b>Vai tro cua cong nghe ngan hang trong </b>

<b>chiin iifoc phat tri§n nganh ngan hang </b>

<b>giai doan 2011-2020 </b>

<i><b>TS. Nguyen Thi Kim Thanh - Vien trudng Vien Chien luae Ngiin Jiang </b></i>

ntfdc tad

ua gan 20 nam thtfc hien cac muc
Itieu cila 2 ky Chien Itfpc

<i>(1991-2000, 2001-2010), kinh ti - xa hdi </i>
"da cd budc tien bd dang ke. Cac
muc tieu chien Itfpc trong tiing thdi ky dtfpc
hoan thanh lam cho quy md nen kinh te
tang nhanh. Tdng GDP dat 53,053 ty USD
nam 2005 va dtf kiSn gin 100 ty USD vao
nam 2010. Mac dii dtfdi tac ddng cila cudc
khiing hoang tai chinh va suy thoai kinh te
toan cau nam 2008, song ve xu htfdng tdng
the, trong gan 10 nam, thu nhap binh quan
diu ngtfdi da tang tii 402USD len hdn
l.OOOUSD, ntfdc ta da thoat khdi vi thS
ngheo va kem phat trien de dtfdc xep vao
hang cac qudc gia va vimg lanh thd cd thu
nhap trung binh thap. Nang Itfc san xuat,

ket cau ha tang, the va life cila nen kinh te
ntfdc ta da cd tien bd vtfpt bac so vdi 10
nam trtfdc. Miic sdng cila dai bd phan dan
ctf dtfdc cai thien, kinh te vi md cd ban dn
dinh. cac can ddi ldn cila nen kinh te dtfpc

bao dam. Nhtfng thanh tifu ke tren cd the
xem nhu nhiing nen tang cP ban de chiing
ta cd nhiing btfdc tien dai hdn trong ttfdng
lai, lam cp sd de thtfc hien cac muc tieu
chien Itfdc trong thap nien tdi.

<b>1. Nhiiing thanh tuu cd han cua he thdng </b>

<i><b>Ngan hang Viet Nam trong hon 20 nam M </b></i>

<b>mdi vuia qua </b>

He thdng ngan hang da cd nhiing btfdc phat
trien toan dien, bam sat muc tieu phat trien
kinh te xa hdi trong tiing thdi ky. He thdng
ngan hang 2 cap da dtfpc hinh thanh rd net.
Ngan hang Nha ntfdc (NHNN) da cd btfdc
cilng cd va ddi mdi manh me ve cP cau td
chiic, thiic hien tdt vai trd quan ly nha ntfdc
ve cac mat hoat ddng, tien te tin dung, tao
nen tang phap ly ttfdng ddi ddng bd cho cac
td chiic tin dung hoat ddng an toan, hieu
qua; thtfc hien cd hieu qua chufc nang cua
NHTW, khdng ngiing doi mdi va hoan
thien cd che dieu hanh chinh sach tien te,
chinh sach ty gia, chinh sach quan ly ngoai

hdi theo the che kinh te thi trtfdng, dinh
htfdng xa hdi chil nghia; khdng ngifng hoan
thien va phat trien he thdng thanh toan, thifc
hien tdt vai trd trung tam thanh toan quoc
gia, tao dtfpc long tin ciia dan chiing ddi vdi
he thdng tien te qudc gia; giii dtfdc dn dinh
<i>tien te, kiem chi lam phat, gdp phan thiic </i>
day tang trtfdng kinh te va dn dinh kinh te vi
md.

He thdng cac TCTD da phat trien da dang
vl hinh thiic sd hiiu va loai hinh dich vu;
quy md hoat ddng va chat lUdng hoat ddng
ngay cang tang; nang life tai chinh, nang
life quan tri dieu hanh, nang lire canh tranh,
trinh dp ling dung cdng nghe thdng tin
(CNTT) dtfpc nang len; cac TCTD da cd
ban thtfc hien tdt vai trd trung gian, huy
ddng va phan bd ngudn vdn cd hieu qua,
cd ban dap iing dtfpc nhu cau vdn va tien
ich cila nen kinh te va xa hdi.

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TIEU DIEM

hang cdn chtfa theo kip vdi yeu ciu hdi
nhap va nhu cau phat triSn dit nUdc. Thtfc
thi CSTT, ty gia cdn bi ddng, liing tiing
tnfdc nhiing dien biSn bit thudng ciia thi
trUdng. Cac TCTD chit Itfpng, hieu qua,

<i>siic canh tranh, nang life tai chinh tuy d& </i>
dtfdc nang len nhtfng cdn thap so vdi yeu
cau; chi phi phan bd vdn va dich vu trung
gian cdn cao; canh tranh cdn thieu lanh
manh; hoat ddng cdn tiem an nhieu rili ro.
Ddng gdp vao nhiing thanh ttfu cila he
thdng Ngan hang trong 20 nam qua, khdng
the khdng ke den vai trd cila cila viec iing
dung CNTT, cdng nghe ngan hang trong
cac linh vtfc hoat ddng ciia nganh Ngan
hang:

thdi cdn giiip cac TCTD hien dai hda he
thdng thanh toan, da dang hda hinh thiic
huy ddng vdn, cho vay, vdi nhiing san
pham tien ich ngan hang hien dai cung iing
cho doanh ngldep va dan ctf, md rdng cac
hinh thiic thanh toan khdng diing tien mat
va thanh toan qua ngan hang.

Cd thg ndi CNTT dtfdc xem nhtf mdt xu
htfdng chinh trong hoat ddng ngan hang
hien dai trong thap nien viia qua, cac giai
phap ky thuat cdng nghe dtfdc ltfa chpn la
phii hpp da bao dam cho stf phat trien cdng
nghe tin hpc ngan hang dung htfdng giup
cac ngan hang tang kha nang canh tranh
thdng qua viec da dang hda san pham dich
vu, chiem ITnh thi phan bang cac thiet bi

<i><b>Cic ygu t6 m&\ trong cdng nghe hien dai hoa NeSn h^ng. </b></i>

<b>Service Prortder </b> <b>Monttor Metsocfc Data Center </b>

<i><b>^^'^^ </b></i>

l>NG DyNG CAC L p i THE
HAM6TRUYeHT>*6Ne
<i>THE He M<Jl • COWG </i>
<i>NGMe OUClHG TRUVeW </i>
MPLS/VPW

<b>3 ' ^ </b>

ONG DUNG 05t4G NGHC
Xiic THVC •mONG TIN

<i>NGUOI DUNG - DICH VV </i>

CHO HG THUC e i E N TCT
(CERTIfKATE AUTMORITY)

- Ha tang CNTT phuc vu cho boat ddng cila
NHNN khdng ngifng dtfdc cai thien, gdp
phan khdng nhd vao viec tang ctfdng hieu
qua trong thUc hien chinh sach tien te qudc
gia, niing Itfc thanh tra giam sat, dam nhan
ngay cang tdt hdn vai trd trung tam thanh
toan cua nen kinh te. He thdng dii lieu cUa
ca he thdng Ngan hang da dtfpc tin hpc hda
ket ndi vdi ca he thdng, cung cap thdng tin

hang ngay cho NHNN lam cd sd hoach
dinh va thUc thi cac chinh sach quan ly.
- He thdng corebanking (he thdng quan tri
ngan hang tap trung) da dtfpc iing dung phd
bien d phan ldn cac ngan hang, giiip cai
thien dang ke hieu qua ciia hoat ddng ndi
bd ngiin hang nhtf ke toin thanh toan, quan
tri rili ro. danh gia xSp hang tin dung khach
hang...; cac dii lieu trong hoat ddng dupc
ndi mang trtfc tuyen giiia cac phdng, ban
tai tru sd chinh, chi nhanh dam bao kiem
soiit. phiit hien kip thdi cac van de phat sinh
trong hoat ddng. Ung dung CNTT ddng

giao dich ttf ddng, tang ctfdng nang life va
hieu qua hoat ddng kinh doanh cila cac
ngan hang thtfdng mai day nhanh tdc dp
thanh toan, tang vdng quay tien te, qua do
ma gdp phan nang cao hieu qua ddng vdn
xa hdid). Xu htfdng md rdng utng dung
CNTT va phat trien cac giao dich ngan
hang dien tut da gdp phan nang cao nang
llic quan ly cila NHNN.

Song, tdc dp phat trien CNTT cdn cham va
chtfa ddng deu giifa cac TCTD, va ciing
khdng theo chuan mtfc nen rat khd khan
cho viec lien ket cac he thdng vdi nhau
nham hpp tac khai thac cac dich vu lan
nhau, nen chtfa khai thac triet de he thdng

ha tang cdng nghe.

<b>2. Trien vong liinh te the gidi va </b>
<b>trong ntfdc giai doan 2010 - 2020 </b>
Trong thdi dai toan cau hda va kinh te tri
thiic phat trien manh me, trong dieu kien
khoa hpc cdng nghe phat trien nhanh chdng
hPn thdi ky trtfdc rat nhieu, bdi canh qudc

te tuy dien bien phiic tap nhtfng \'iin ndi rd
xu hudng lac quan \ e mdt nen kinh te tiep
tuc tang trtfdng den nam 2020, quy md
<i>kinh li thi gidi nam 2020 se tang 80% so </i>
vdi nam 2000'"'. ludng dau ttf gitfa cac qudc
gia ngay cang gia tang. Kinh te the gidi se
phat trien ben viing. chil yeu difa vao tri
thiic va cdng nghe. Qua trinh chuyen giao
cdng nghe giua cac qudc gia gia tiing ciing
chieu vdi sir chuyen dich cac vdn dau ttf
giiia cac qudc gia, cac viing, khu vtfc.
Nhin mot each tdng quat, nen kinh te Viet
Nam da cd the va life hdn trtfdc rat nhieu,
tiep tuc tang tdc va dat muc tieu da de ra
vao nam 2010, lam tien de de biit pha manh
me va phat trien hdn niia cho den nam
2020, nhit la vao giai doan 2015-2020
nham xay dtfng mdt nen kinh te cdng
nghiep hien dai.

<i>Kinh ti Viet Nam se phai chdng dd, khac </i>

phuc khiing hoang de dat muc tieu da de ra
vao nam 2010 va sau dd se phat trien difa
nhieu vao tri thiic, cdng nghe, ddi mdi he
thdng CP cau ha tang, dieu hanh phat trien
kinh te tif trung tfdng den dia phUdng va
nang cao chat lupng ngudn nhan Itfc giai
doan 2015-2020.

Btfdc vao thdi ky chiSn Itfpc (2011-2020)
dat ntfdc se tich luy dtfdc nhiing kinh
nghiem quy va cac bai hpc nit ra ve cac mat
chinh tri, ngoai giao, kinh te, xa hdi, bao
ve mdi trtfdng. Tii dd tao tiem Itfc cho nen
kinh te phat trien ldn va manh hpn trtfdc,
nang cao vi the dat ntfdc tren trtfdng qudc
te cung nhtf cai thien va tang ctfdng quan he
qudc te.

<b>3. Dmh hudng chien luoc phat triin he thing </b>

<b>ngan hang den 2020 </b>

<i>3.1 Quan diem phcit trien </i>

- Phat trien dn dinh va ben viing he thdng
ngan hang la yeu cau xuyen sudt chien
Itfdc va qua trinh thtfc hien chien lupc
ngan hang.

Phat &ien dn dinh va ben viing cila he thdng
ngan hang la nen tang quan trpng dam bao

sir dn dinh kinh te vl md va phat trien kinh
te xa hdi, bdi he thdng ngan hang la huySt
manh cUa nen kinh te.

- Chien lUdc phat trien ngan hang dtfpc xay
dtfng va thtfc thi khdng tach rdi chien Itfpc
phat trien kinh te xa hdi ma phuc vu muc
tieu phat trien kinh te xa hdi.

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TIEU DIEM

phat trien kinh te xa hdi, vdi stf phat trien
tdng the he thdng tai chinh, thi tnrdng tai
chinh va tien trinh hdi nhap kinh te qudc
te, thtfc hien cac cam ket qudc te trong Hnh
vtfc tai chinh ngan hang.

- Phat huy tdi da ngudn Itfc con ngtfdi, lay
con ngudi lam trung tam cho ddng lire phat
trien he thdng ngan hang.

Con ngtfdi la chu the sang tao, la ngudn lire
chil yeu va la yeu td quyet dinh stf phat trien
he thdng ngan hang dn dinh va ben viing,
tao ra nhiing dot pha mdi trong sir phat trien
ciia he thdng.

<i>3.2 Mue tieu ehien luoe va Idiau dot phii </i>
<i>- Muc tieu tdng quat </i>

Tiep tuc cai each toan dien he thdng ngan
hang theo hUdng phat trien dn dinh, ben
viing, ngang tam vdi cac ngan hang tren the
gidi va khu vtfc ve qui md, nang lire tai
chinh, quan tri, dich vu va cdng nghe ngan
hang; md hinh phat trien ngan hang phii
hpp vdi cd cau phat trien kinh te, yeu cau
hdi nhap qudc te dap iing day dil nhat nhu
eau va tien ieh xa hdi trong linh vtfc tien te
ngan hang, phuc vu yeu cau cdng nghiep
hda, hien dai hda va phat trien kinh te ben
viing; tao tien de de phat trien eao hPn cho
thdi ky chien Itfpc sau.

- Muc tieu chil yeu

Xay dtfng va phat trien NHNN len mdt cap
dp mdi trong viec thtfc hien vai trd quan ly
cac hoat ddng tien te, tin dung, thtfc thi
CSTT, ngoai hdi hieu qua vdi tam nhin
trien vpng vi lpi ich cila khu vtfc tai chinh,
cUng cd Idng tin cila dan chiing ddi vdi
nhtfng ddng thai chinh sach cua NHNN va
he thdng tien te, chil dpng kiem soat lam
phat d mufc mue tieu hang nam, hd trp tang
trtfdng kinh te va dn dinh kinh te vi md.

Phat trien thi trtfdng tai chinh ndi chung,
thi trtfdng tien te ndi rieng theo htfdng thiSt
lap mdt cd ehe van hanh thi trtfdng cd hieu

qua, dam bao tinh dn dinh ben vflng, thdng
sudt va phat huy tdt nhat vai trd ciia cac
thanh vien thi trtfdng.

Nang cao nang life tai chinh, nang life canh
tranh va tao dung thtfdng hieu vdi nhflng gia
tri cdt loi cua he thdng Ngan hang Viet Nam
tren thi trtfdng tai chinh qudc te.

- Cac dot pha chien Itfdc

De dat dtfdc cac muc tieu chien Itfpc neu
tren, phai trien khai thtfc hien ddng bd eac
nhiem vu, giai phap, trong dd tap trung siic
va cd phtfdng an kha thi thtfc Men tdt cac
khau dot pha sau:

Dot pha trong viec xay dtfng cac dieu kien
cin thifet'^' de dSn nam 2020 thtfc thi chinh
sach tien te theo khudn khd chinh sach tien
te lam phat muc tieu.

Dot pha ve hoan thien ed che thanh tra,
giam sat thi tnrdng tai chinh dam bao giam
sat chat che, bao chiim, canh bao sdm cac
riii ro cd the nay sinh lam mat an toan va
bat dn cua cac dinh che tai chinh.
Dot pha ve xay dtfng he thdng ket cau cd sd
ha tang ve CNTT, cdng nghe ngan hang
hien dai: Hoat ddng eua he thdng ngan

hang can dtfdc thtfc hien dUa tren cd sd ha
tang cdng nghe truyen thdng va thdng tin
hien dai d hau het cac mat nghiep vu ngan
hang, tren nen tang cua he thdng hach toan
ke toan, thdng ke theo chuan mtfc qudc te
nham dam bao de ngan hang trung Udng
(NHTW) thtfc hien cd hieu qua viec hoach
dinh va thtfc thi CSTT, cac hoat dpng quan
ly - dieu hanh, hoat ddng thanh tra, giam
sat toan bd cac hoat ddng ngan hang cila
nen kinh te va cac boat ddng chflc nang

khac cua NHTW, dap flng kip thdi cac tien
ich xa hpi vl cac dich vu ngan hang, tang
vdng quay ddng vdn, hd trd tich ctfc cho
cdng tac quan tri cac TCTD.

Dot pha v6 phat trien ngudn nhan lire cao
cho he thdng ngan hang, tap trung vao doi
mdi can ban phtfdng thflc myen dung mdi,
dao tao va dao tao lai cac can bd hien cd,
chinh sach dai ngd hdp ly: Hoat ddng quan
ly, dieu hanh hoat ddng ngan hang phai
dtfdc td chflc tren nen cua sfl ddi mdi tfl duy
kinh te va tuan thil mot each linh hoat
nhflng quy luat phat trien khach quan cd sil
dieu tiet eua Nha nflde the hien d nhiing ehii
trfldng, chinh sach ldn ciia nganh va trong
ddi mdi mdi trfldng phap ly cho hoat ddng
eila toan nganh ngan hang theo dinh htfdng

thi trfldng XHCN. Cac van de nay la do con
ngtfdi tao ra va thtfc thi.

<i>(con nita) </i>
<i><b>_ — . ^—. ^ _™„ J </b></i>

(1) Bang ctifing ro net nliSt la m?ng ludi ATM ';
mang thiTdng hieu cua ngan hang hien di|n khap
moi ndi. Til cho chi CO 2 ATM vao nam 1999, tdi
cu6i 2006, toan thi tntcing co khoang gin 2.500 .
ATM, va da ten tdi 9.500 vao nam 2009. Cilng
v6i xu hudng do la s6 tiling POS gia tang dang
ke, tvt 12.000 nam 2006 len 33.562 thiSt bj vao
cuoi 2009; cac IfflTM co xu htfdng h(lp tac va
chia se cd s6 ha ting ky thu jt cong ngh$, hen
minh ciing phat trien ha ting cong nghe.

(2) Theo H$i ddng tinh bao quoc gia My MIC 3
<i>(3) Dieu kien can thiit d day bao gom: Tinh ta </i>
chu cia NHNN trong viSc hoach dinh miic tieu
va diiu hanh cic cdng cu CSTT; tinh minh bjch
va tinh chju tranh nhiem cao ciia NHNN; nang
Itfc phan tich dit bao; ttr do hda ty gia.

<b>Techeombank: Dich vu thanh toan ve may bay qua Internet Banking </b>

Ngay 2/6/2010, Ngan hang TMCP Ky thtfdng Viet Nam

(Tech-eombank) chinh thflc trien khai tinh nang thanh toan ve may bay
cua Vietoam Airlines tra sau thdng qua dich vu Intemet Banking
(F@sti-Bank).

Day la ket qua cila viec hpp tac 3 ben giiia Techcombaiik, Vietnam
AirUnes va Cdng ty CP Dich vu The Smartlink.

Ke tfl ngay 2/6/2010, khach hang dat ve may bay ndi dia va qudc
te qua website cua Vietnam AirMnes cd the thanh toan tien ve thdng
qua F@st i-Bank trong vdng 12 gid ma khdng can den phdng ve
hoac thanh toan bang cac hinh thflc online khac.

<i>De tiin hanh thanh toan ve may bay Vietnam Airlines qua F@st </i>
i-Bank, khach hang chi c§n dang ky sit dung F@st i-Bank tron gdi
tai tat ca cac diem gjao dich ciia Techeombank tren toan quoc (mien
phi dang ky) hoac qua website ciia Techeombank. Khach hang
dtfpc mien phi mua token key (cdng cu tao mat khau) de tien hanh
giao dich qua F@st i-Bank.

F@st i-Bank cd nhiiu linh nang nhtf: Quan ly tai khoan hiiU hieu:
truy vin sd dtf, quan ly khoan vay, tiet kiem; cdng cu thanh toan an
toan, bao mat: ve miy bay, hoa ddn dien thoai, bao hiem, tien (fipn,
chuyin tiin trong he thong Techeombank, giki tiet kiem online.

<i><b>HJNgpc </b></i>

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