Nhìn lại tiến trình hiện đại hoá công nghệ và mở rộng dịch vụ ngân hàng bán lẻ 2003.pdf

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<b>"HI" 1.61TIE" Titl"" "I~" D81 "OR CO"G "G"~</b>

N

am2003 da ketthUc,nhinl<;Iitrong nam qua, toi thaychuangtrlnhca caul<;1iNHTM

<i>nLrac</i>ta danghuangVaGvi$c hi$nd<;lihoacongngh$nganhang,phat tri~ndichv~nganhangbanIetai cactanglapdancU,ca caul<;IihO<;ltd~mgva nguonthunh$pcuamoinganhang.

Hi$nnay,6 ti~udl! an hi$nd<;lihoathanhtoandoWBtai trqduqctri~nkhait~i NHNN,4 NHTMNha nuac va 2NHTMcophandangduqcgapruthoantat. NhieuNHTM da thue va muachuangtrinhphanmemvi tfnhungdl,Jnghi$nd<;live dichvl,Jtai chinhcua cachangcongngh$thongtin noitiengtrenthegiai,lapd$tchom<;lngluaichinhanhcuaminh.NHTMCP Ky thuangVi$tNam- Techcombankda lapd$t va tri~nkhaiphanmemGlobus,giai phapcongngh$ngan hang hi$n d<;licua hangTemenosHoldingNV Thuy'Sy, duqctrienkhait<;licac chi nhanhchinhcuaNganhangnay.Cacsanph§mdangvaseduqcthietI$p la tai khoanthauchi,thethanhtoanFastAccess,the thanhtoan.GiCIathang12/2003,Nganhangnayda khanhthanhva dUaVaGhO<;ltdQngchuangtrinhphanmemn6i trEm,chophepkhachhangthl!c hi$n khaidichvl,Jtiet ki$mgui mQtnai,ITnhnhieunaitrongm<;lngluainganhangnay,giaodich ngan hang mQt cua,...Techcombankda ky ket n6i m<;lngvaiVietcombankveSLrdl,JngtheATM.NganhangNo&PTNTthueT$pdoanHuyndaicuaHanQu6ctri~nkhaiti~udl! an hi$nd<;lithanhtoan.MQts6 NHTMkhacmuachuangtrinhphanmemhi$nd<;licuacachangtLrMy,Malaysia,...

Cac NHTMc6 quy mo lan, k~ caNHTMco phanda thl!c hi$ngiaodichmQtcLrat<;licac thanh pho Ian. CacNHTMNha nuac: Ngan hang Congthuang,NganhangNgo<;lithuang,nhieu

T~ CIIt<small>NGANIIANG</small> - s6 1.NAM2004

<b>Trin Th! Minh Phu'dng</b>

<b>*</b>

chinhanhcuaNHNo&PTNTVi$tNam,...cOngda dUaVaGv$n hanhthongsuotcongngh$nganhanggiaodichmQtcua,t<;lOti$nichchokhachhang.

Nghien cuu vi$c tri~n khai congngh$ cua cac NHTMchungtoi cOngnh$nthaycacdichvl,Jnganhang:HomeBanking, Mobile Banking, Phor;1eBanking,InternetBanking,thanhtoanOnline;...cungcacdjchvl,Jnganhangtl!dQngquamayATM,dichvl,Jtietki$mguimQtnaiITnhnhieunai,dichVl,Jchi luangchocacdoanhnghi$pc6 soluqngdongcongnhan,dichvl,Jthutienm$tngayt<;lidoanhnghi$pc6 khoanthutienm$tbanhangva dichvl,JhangngayIan...dangduqccac NHTMd§y m<;lnh.Dongdaodoanhnghi$p,nhCIngnguaic6 thunh$pkha,...duqc huangIqi tCrti$n ich nay.Cac nganhanglan, CPuy tfn con lamdichVl,Jphathanhva thanhtoanmQts610<;lithe tfn dl,Jngqu6cte, nhu: MasterCard,Visa,DinerClub,...dongthaiphathanhcac10<;lithenQidia,di~nhinhnhu;

NHTMCP PhuangNamtrangnam2003khaitruangdichvl,JtruyxuatthOngtin tl! dQngthongquadi$ntho<;lidi dQngdanhchokhachhang,chophephQtruyxuatthongtin tCrnganhang24 gia moingay,nhungchi phaitra phidichVl,Jguinhantin thongthuangcua hai m<;lngMobile Phoneva Vina Phone. Ngan

cungCongty phanmemvatruyenthong

<i>VASCdaky ket"ifngdl:mgchifngchis6trang giao d{ch ngan Mng di~n tif".</i>

KhachhangduqcquanIy va su dl,JngchCIky di$ntLrtronggiaodjchvai nganhang.Cacdoanhnghi$pdeuc6th~thl!chi$nduqccacI$nhchuy~nkhoan,thanhtoan hoa dan, chuy~ntien Dong Vi$tNamkhi su dl,JngchCIky di$ntu tranggiao dich Home Banking.\Moidoanh

<i>nghi$pS6duqcsu dl,Jnguser,mQtde</i>

sO<;lnthaoI$nhvamQtd~xacnh$nI$nh,c6 masotruyc$p,m$tkh§ukhacnhau.Saukhiketoandoanhnghi$psO<;lnthaoI$nhxongthi dung chCIky di$n tu d~

<small>.</small> chuy~nI$nhdennganhangvaI$nhchi

c6 hi$uIl!c khi lanhd<;lodoanhnghi$pdungchCIky di$ntLrthu hai xac nh$n.L$nhthanhtoancua doanhnghi$pchic6chic6hi$uIl!ckhic62 chCIkydi$ntu.VASCbaom$tva baodamantoancacchCIky di$n tu trang thanhtoan chokhachhang.ACBcOngdadUaVaGhO<;ltdQngdich Vl,JMobile-Bankingqua tinnhan997vai nQidungngangQn:ma s6

<i>d<;liIy naithanhtoantien,so tienS6tra,</i>

m$t ma cua khach hang. Theo d6,nhCIngnguaic6 di$ntho<;lidi dQngchi

<i>ma tai khoant<;liACB,duqccapma s6</i>

truyc$pva m$tkh§ulac6th~thl!chi$nthanhtoantienmuahanghoavadichVl,J

<i>a bat ky nai naoc6 di$ntho<;li</i>di dQngphus6ng.

MQtITnhvl!c khaccOngc6buacphattri~nm<;lnh,<i>d6 la ma rQngva phattri~n</i>

chuClngtrinh thanh toan di$n tu liennganhang.Dayla ITnhvl!c duqcuutiencua toan nganhNganhangtrangtMi

<i>gian qua. Duqc chinh thuc v$n hanh</i>

thl!c hi$ntCrdauthang5/2002,dennayh$ thongthanhtoandi$n tLrlien nganhangtieptl,JC<i>duqcmarQngtfnhdenhet</i>

nam2003,trongca nuacc6 51 thanhvienthamgia h$thongthanhtoandi$ntu lien nganhang,trangd6 c6 6 thanhvienthuQcNHNN,45NHTMvaigan200thanhvien.Giaodichthanhtoandi$ntulien nganhangbinhquanmoi ngayc69.000I$nhthanhtoan(chungtCr),ngaycaodiemlentai 12.000chungtCr.Doarihs6thanhtoan binh quan d<;lt5.000ty

dong/ngay,cao nhatd<;lt5.400ty dong.Trongthai diemcu6i namdo yeu caucuavi$cquyettoan,chuyentien,s61$nhthanhtoanva doanhs6thanhtoantang

. NHNo&PTNTHeNQi

<b>53</b>

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len gap doi, d<;1tkhoang16.000den

18.000 I$nh va khoang 10.000 tydong/ngay.Vac tfnh doanh so thanhtoanbutrLrdi$ntv liennganhangrieng

tren<small>d<;1i</small> ban Ha Nqi nam2003d<;1t

TLrngay1-1-2003,h$ thongthanh .toanbu tru di$ntv cOngdLfqcdLfavaov$nhanhchinhthCrc,thaythehoantoan

d6darutngan

dLfqcthai gian chuyentienva dambaodq chinhxac,an toancao.

Benc<;1nhvi$cthanhtoancackhoanco gia tri cao, tLr ngay 14-11-2003,NHNNtrienkhailuongthanhtoangiatrjthaptrongh$ thongthanhtoandi$ntvlien nganhang.£Jenhet nam2003,cotongso 38donvi thanhvien;trongdoc6

Bank.Hit ca cac khoanthanhtoangiatri thap deu dLfqcthl/c hi$n nhanhch6ng,antoanva chinhxac.

tren, cac doanh nghi$p chuyenlienthanhtoanxay dl/T1g<i>co ban,tien thl/c</i>

hi$n hqp dongthi cong,hay tien muabanhanghoava dichvI,!giCtacacdiemtrongtoanquocdLfqcthl/c hi$nWcthaitrongvai ba tiengdongho,th$mchi lavai pMt tienda ve tai khoancuadoanh

<i>nghi$pdLfqcthanhtoan.TLfongtl/ cac</i>

khoantienthanhtoangiCtaca nhanvainhautrongtoanquoccOngnh$ndLfqc

Wcthai.Dod6,chopheplietki$mvantrpng kinhdoanh,giamthai giand9ngvantrongthanhtoan.

Giamthieuvi$ctha noi,tangtoc dqchu chuyenvan va tangtfnh hi$Uqua'trongthanhtoan,nhatla trongdieuki$nnguonvan chovaycuacac nganhanghi$n nay dang rat khfln truong.Nangcaotfnhthu$nIqi va kha nangphl,!cvI,!khach hang, trl/c liep la cac doanhnghi$pthuqcm9ithanhphankinhte.

ThietI$ph$thongquyettoanva butrLrc6dqtinc$y,antoanvac6 khanangthl/chi$ncackhoanthanhtoantfchhqpnhamdapCrngnhucaucuanenkinhtedangchuyennoiva tangtrLfang.

<i>Caitienva tangwang congtac ke</i>

" toan,cacthutl,!Ckiemsoattrongnqibqcacchi nhanhNHNNva cacNHTM,ho

trq cho vi$c chuyensang moi truang

thanhtoanhi$n<small>d<;1i.Cai lien</small>vi$cdieu

hanhchfnhsachtient$ cuaNHNNtren

<i>co sa cungcapthongtin kipthai,chinh</i>

<i>dLftai khoan.Cho phep ma rqng cac</i>

dich vI,!

ngan

hang hi$nd9itrongxu

hLfanghqi nh$p,thl/c hi$n Hi$p dinhthLfongm<;1iVi$t - My va cam ket gianh$pWTO.

Nam 2003, cac NHTM cOngt$p

<i>trungthu hut khachhangmatai khoan</i>

ca nhanva thl/c hi$n cac dich vI,!taikhoanqua nganhang.Do do, trongca

<i>nLfaC,neu nhLfnam2000,tong so tai</i>

khoantien gvi va tai khoanthanhtoancuacacca nhan<small>t<;1i</small> cacNHTMmaichikhoang100.000,thi nam2001tanglen200.000,nam2002 lentai 500.000,va

<i>cuoinam2003LfaC</i>tfnhtanglenkhoang750.000tai khoan,t$p trungvaohaithitrLfang:HaNqiva TP.HoChiMinh.Chiriengtai TP.HoChiMinh,noidongdannhat,hO<;1tdqngkinhte soidqngnhatvaco m$tdo dongcac chi nhanhNHTMnhattoanquoc,trongnam2003,di:!tangthemdLfqc180.389tai khoanca nhan,nangtongso tai khoanca nhantrendia

<i>banden het nam2J03</i><small>d<;1t330.297 tai</small>

khoan,vai so dLf4.766ty dong,tang58,97%sovai nam2002.

Vi$c hi$nd<;1ihoa congngh$ngan

<i>hangva marqngdichvI,!nganhangban</i>

Iedendanw vegiacdqchungcuanenkinhte, giup tang ty tr9ngthanhtoankhongdungtienm~t,denhetnam2003,

<i>LfaCtfnhd9tty 1$86%,tang21% so vai</i>

mCrc65%cuanam2002.£Jaylamqttienbqve giamtytr9ngthanhtoanbardtienm~ttrongxi:!hqi.

Tuy nhien,so ILfqnggiao dichquangan hangvan con h<;1nche. Mqt so

thanhtoanILfong;ho~ctLrvi$csv di,lngtheATM.NhLfngdaycOnglatiendechovi$c phattrien cac dichvI,!nganhangtrongdanCLf,trongpheptangkhoiILfqngva ty tr9ngthu phi chocac nganhang,

<small>rqng cho vay.</small>

<small>Yeu cau lien. ket trong vi$c phathanh, thanh toan the cOngnhLfket noim9ng ATM xuat hi$n trong khoang thaigian kha dai. NHNo&PTNTVi$t Nam la</small>

<small>NHTM c6 quy mo mang ILfrnrQngkhap</small>

<small>lam dau moi. Theo do, se thanhlap</small>

<small>quoc gia Vi$t Nam, vai so van dieuI~ban dau la 50 ty dong. Congty naytheoke h09ch,ban dau se c6 11co dong,dbla NHNo&PTNT Vi$t Nam, NH£JT&PTVi$t Nam va Cong trach nhi$mhCluhanphat trien cong ngh$ Ha NQi.£JaycOngla ba co dong sang I$p cua Congty.Caeco dong khacbao gom: NHCTVi$tNam,Ngan hang Phat trien nha dong bangsong Cvu Long, Ngan hang Sai Gon</small>

Congty naydl/kien<small>hO<;1tdqng tren10</small>

djchvI,!baotri h$thongATM,sanxuajva gia congthe trang,dich vI,!in the.phathanhthe SmartCard,djchvI,!kenoi the quocte, cungCrngcac phvon(ti$nthanhtoan;Muabancac maymOlthiet bj chuyennganhnganhang,ma'tfnhvathietbj ngo<;1ivi; cungcapvaba

Cac no Il/chinhthanhh$thonglie~ket va hqptac ve the noi tren<small>t<;10</small> dieo

<small>ki$n cho NHTMco phan c6 quy mo nho,</small>

<small>dl,!ngc6 hi$Uqua san phflm the do min~phat hanhva thanh toan, Crngdl,!ngcon~</small>

<i><small>ngan hang, ma rQngthanh toan khong</small></i>

<small>dung tien m~t, phat trien dich vI,!the n6itren</small>dLfqcthl/c<small>hi$ntrong nam2003, t<;10</small>

tiende chocacdich<small>vI,!</small>nganhangban

Iehi$n

<small>d<;1i,</small>d~cbi$tla thjtrLfangthe0

<small>cua cac NHTMVi$t Namtang len. Theo</small>

chungtoi, NHNNnentiep<small>tl,!C</small>don doc

dl/ an hi$n<small>d<;1i</small> hoathanhtoan,gap rut

dlia vao <small>hO<;1tdqng h$ thong ket noi</small>

<small>cho' hi$n d<;1ih6a cong ngh$ nganhang..</small>

<b>54</b>

,T~ emNCf.N

<small>IIANC</small> -

s6

<small>1 NAM 2004</small>

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