BÀI TIỂU LUẬN MÔN QTDN

8/8/2019 BI TIU LUN MN QTDN

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B GIO DC V O TO

TRNG I HC I NAM

TI TIU LUN

GII PHP PHT TRIN TH THANH TON TI NGNHNG TMCP CHU ACB

NGI THC HIN: NGUYN TH THANHLP NH02-01

ti tiu lun SVTH: Nguyn Th Thanh

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MC LC

LI M U:

Chng I: Mt s vn c bn v th thanh ton 4

I. Qu trnh hnh thnh v pht trin ca cc phng tin thanh

ton trong nn kinh t hng ho. 4

1. S xut hin ca tin t vi chc nng phng tin thanh ton 4

2. S xut hin ca h thng ngn hng thng mi vi chc nng lm

trung gian thanh ton ca nn kinh t 4

3. S xut hin ca phng thc thanh ton phi tin mt v tnh u vit ca

n 5

4. Cc phng tin thanh ton phi tin mt ch yu 6

II. Gii thiu chung v th thanh ton 8

1. Khi nim v th thanh ton 8

2. Lch s hnh thnh v pht trin ca th thanh ton 93. c im v phn loi th thanh ton 10

4. Vai tr, tin ch v cc nhn t nh hng n s pht trin ca th

thanh ton 12

5. Cc ch th tham gia trong quan h pht hnh v s dng th thanh

ton 17

6. Quy trnh pht hnh v s dng th 17

7. Ri ro trong pht hnh v s dng th 20


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Chng II. Thc trng pht hnh v thanh ton th ti Ngn hng

TMCP Chu 25

I. Gii thiu chung v Ngn hng TMCP Chu 25

1. C cu t chc ca ACB 26

2. Tnh hnh hot ng kinh doanh ca ACB 27

II. Thc trng pht hnh th thanh ton ti ACB 31

1. Khi qut v dch v th ti Ngn hng ACB 32

2. Hot ng pht hnh th ti ACB 33

3. Hot ng thanh ton th ti ACB 33

4. nh gi v hot ng pht hnh, thanh ton th ca Ngn hng 34

Chng III. Mt s gii php nhm m rng v hon thin thanh

ton th ti Ngn hng TMCP Chu. 34

I. nh hng pht trin Ngn hng v th thanh ton 34

1. nh hng pht trin hot ng kinh doanh ca ACB 34

2. nh hng pht trin thanh ton th ca Ngn hng TMCP Chu

trong thi gian ti 36

II. Nhng thun li v kh khn 37

1. Thun li 37

2. Kh khn 37

III. Mt s gii php nhm m rng v hon thin thanh ton thti Ngn hng TMCP Chu 38

1. Gii php v m 38

2. Gii php i vi Ngn hng 39


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IV. Mt s kin ngh 83

1. i vi chnh ph 83

2. i vi Ngn hng Nh nc 84

3. i vi ACB 86

Kt lun 89


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Li m u

S pht trin mnh m ca cng ngh thng tin lm thay i nhiu lnh vc ca xhi. Trong thng mi quc t, mi giao dch u i hi phi c tc nhanh chng,thanh ton bng tin mt cho thy nhng mt hn ch ca n. Do vy vo nhng nm50 ca th k 20, mt s ngn hng trn th gii gii thiu th thanh ton. Cho nnay vic thanh ton bng th khng nh c nhng tnh nng u vit ca n so vicc phng tin thanh ton khc.Mc d th thanh ton ra i c hn 50 nm nhng n mi c bit n Vit

Nam khong 10 nm trc y. V n nm 1996 ch c 2 ngn hng thng mi VitNam l Ngn hng Ngoi Thng v Ngn hng c phn Chu (ACB) tham gia phthnh th thanh ton. Trong nhng nm u pht hnh, ACB tng bc khng nhc v tr ca mnh trong lnh vc cn rt mi m Vit Nam ny. Tuy vy, ACB vncn gp nhiu kh khn c th m rng v khng ngng hon thin dch v thanh tonth ca mnh.

Nhn thc c tnh cp thit phi m rng v hon thin dch v thanh ton th VitNam ni chung v ca Ngn hng ACB ni ring, em chn ti: Gii php phttrin th thanh ton tai Ngn hng TMCP Chu ACB cho ti tiu lun ca mnh.Mc ch nghin cu ca ti : Thng qua vic nghin cu c s l lun, tnh hnh thct pht hnh v thanh ton th ti ACB, cc vn bn php quy lin quan... thy cnhng tn ti trong pht hnh v thanh ton th , t a ra mt s kin m rng

dch v th hin nay v trong thi gian ti.Kt cu kho lun ca em c chia lm 3 chng nh sau:Chng 1: C s l lun v hot ng kinh doanh th ca NHTM.Chng 2: Thc trng hot ng kinh doanh th ca NHTMCP Chu ACBChng 3: Gii php v kin ngh nhm pht trin hot ng kinh doanh th ti NHTMC phn Chu ACB


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Chng 1: Mt s vn c bn v th thanh ton:

I. Qu trnh hnh thnh v pht trin ca cc phng tin thanhton trong nn kinh t hng ho:

1. S xut hin ca tin t vi chc nng phng tin thanh ton:

Qu trnh lu thng hng ha pht trin, ngoi quan h hng ha-tin t, cn pht sinhnhng nhu cu vay mn, thu kha, np a tbng tin. Trong nhng trng hpny, tin t chp nhn chc nng thanh ton.

Nh vy, khi thc hin chc nng phng tin thanh ton, tin t khng cn l mi gii

ca trao i hng ha, m l khu b sung cho qu trnh trao i, tc l tin t vn ngtch ri s vn ng ca hng ha.Tin t khi thc hin chc nng lm phng tin chi tr to ra kh nng lm cho slng tin mt cn thit cho lu thng gim i tng i v s mua bn chu, thc hinthanh ton b tr ln nhau.Mun c chp nhn lm phng tin thanh ton, tin t phi c sc mua n nh,tng i bn vng theo thi gian, chnh sc mua n nh to cho ngi ta nim tin vs tn nhim tin t.

2. S xut hin ca h thng ngn hng thng mi vi chc nng lm trunggian thanh ton ca nn kinh t:

Khi thc hin chc nng trung gian tn dng, ngn hng thng mi ng vai tr l cuni gia ngi tha vn v ngi c nhu cu v vn. Vi chc nng ny, ngn hngthng mi va ng vai tr l ngi i vay, va ng vai tr l ngi cho vay v hngli nhun l khon chnh lch gia li sut nhn gi v li sut cho vay v gp phn toli ch cho tt c cc bn tham gia: ngi gi tin v ngi i vay:i vi ngi gi tin, h thu c li t khon vn tm thi nhn ri di hnh thc li

tin gi m ngn hng tr cho h. Hn na ngn hng cn m bo cho h s an ton vkhon tin gi v cung cp cc dch v thanh ton tin li.i vi ngi i vay, h s tha mn c nhu cu vn kinh doanh tin li, chc chn vhp php, chi tiu, thanh ton m khng chi ph nhiu v sc lc thi gian cho vic tmkim nhng ni cung ng vn ring l.c bit l i vi nn kinh t, chc nng ny c vai tr quan trng trong vic thc y


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tng trng kinh t v n p ng nhu cu vn m bo qu trnh ti sn xut cthc hin lin tc v m rng quy m sn xut.

3. S xut hin ca phng thc thanh ton phi tin mt v tnh u vit ca

n:

Cng vi s pht trin ca h thng ngn hng v nhng ng dng thnh tu cng nghthng tin, t ng ha, c rt nhiu hnh thc TTKDTM tin li, an ton , ang cs dng ph bin nhiu nc trn th gii. Phng tin thanh ton tin mt l khngth thiu, song ngy nay, thanh ton bng tin mt khng cn l phng tin thanh tonti u trong cc giao dch thng mi, dch v na, c bit l giao dch c gi tr v khilng ln.

Cc hot ng giao dch thng mi, dch v, hng ha ngy nay din ra mi lc, mini, vt qua c gii hn v khong cch. Xt trn nhiu gc , khi hot ng thanhton trong x hi cn thc hin ph bin bng tin mt, nht l trong thanh ton cckhon c gi tr ln c th dn n mt s bt li v ri ro nh: Chi ph ca x hi tchc hot ng thanh ton (nh chi ph ca Chnh ph cho vic in tin; chi ph vnchuyn, bo qun, kim, m tin ca h thng ngn hng, ca cc ch th tham gia giaodch thanh ton) l rt tn km; Vic thc hin giao dch thanh ton bng tin mt vikhi lng ln d b cc i tng phm php li dng gian ln, trn thu, tr honhoc khng thc hin ngha v tr n i vi ngn hng hoc cc ch n; Vn an ninh

trong thanh ton, bo qun, vn chuyn tin mt lun tim n nhiu nguy him; S dngnhiu tin mt trong giao dch thanh ton ca x hi s l mi trng thun li cho tiphm lu hnh tin gi, e da trc tip n li ch ca cc t chc, c nhn v tnh hnhan ninh quc gia.

Cc bt li v ri ro trn y l vn xy ra vi bt k quc gia no, song vi cc ncm thanh ton bng tin mt cn mc ph bin trong x hi, tnh hnh s cng phc tpv kh kim sot hn.Hin cc hnh thc thanh ton in t ph bin gm: Thanh ton thng qua th (POS,ATM), trn Internet thng qua ti khon m ti ngn hng, thng qua in thoi ding v thanh ton thng qua mt mng li m cc thnh vin tham gia cng chp nhnmt nguyn tc chung nh h thng thanh ton quc t SWIFT, trong nc l h thngCITADDa vo ch th tham gia, c th phn chia thng mi in t ra cc loi hnh sau:- Giao dch gia doanh nghip vi doanh nghip - B2B (business to business).- Giao dch gia doanh nghip vi ngi tiu dng - B2C (business to consumer).


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- Giao dch gia doanh nghip vi c quan nh nc - B2G (business to government).- Giao dch trc tip gia cc ngi tiu dng vi nhau - C2C (consumer to consumer).- Giao dch gia c quan nh nc vi c nhn - G2C (government to consumer).im khc bit ln nht gia thanh ton in t v thanh ton truyn thng l thng quacc phng tin in t, loi b hu ht vic giao nhn giy t v vic k truyn thngthay vo l cc phng php xc thc mi.Dng phng php mi xc nhn ng ngi c quyn ra lnh thanh ton m khngcn tip xc trc tip. Li ch ln nht l s tit kim chi ph v to thun li cho cc bngiao dch. Cc giao dch qua knh in t c chi ph vn hnh rt thp. Chi ph ch yu lu t ban u, trong iu kin cng ngh pht trin nhanh chi ph u t cng gim ngk. Doanh nghip khng cn phi u t nhn s, a im v cc chi ph lu chuyn hs cho vic giao dch.

Giao dch bng phng tin in t nhanh hn so vi phng php truyn thng. Thngthng giao dch ti quy cho mt khch hng chuyn tin mt khong 15 pht, khng kthi gian i li v ch i nhng giao dch trn Internet, Mobile hoc qua h thng thch qua mt vi thao tc n gin trong mt vi pht.

Vi thanh ton in t, cc bn c th tin hnh giao dch khi cch xa nhau, khng bgii hn bi khng gian a l. Vi ngi tiu dng, h c th ngi ti nh t hng,mua sm nhiu loi hng ha, dch v nhanh chng. Vic khng phi mang theo nhiutin mt, gim thiu ri ro mt tin, tin gi, nhm ln s gim bt c vic thiuminh bch so vi giao dch bng tin mt.4. Cc phng tin thanh ton phi tin mt ch yu:


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Th thanh ton giao dch qua my ATM, my POS

Sc : l mt trong nhng phng tin thanh ton c lu i cc nc phttrin, da trn Cng c th gii v Sc nm 1933, cc nc u ban hnh Lut

Sc, hoc ban hnh cc vn bn hng dn thc hin Lut Sc, vic s dng scc nhanh chng, thun tin khng ch trong cng a phng v cng t chc

pht hnh sc, cc nc u c Trung tm x l thanh ton b tr sc ngoi hthng v khc a phng do Ngn hng Trung ng hoc Hip hi Ngn hngqun l, nh vy, phng tin thanh ton bng sc c s dng ph bin nhiunc pht trin.


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Thng mi in t (TMT) : cn nhiu ro cn: theo nh gi ca lnh o B Cngthng, trong nhng nm gn y, TMT c ng dng rng ri trong cc doanhnghip, t l doanh nghip c website tng t 31% nm 2005 ln 45% nm 2008, t ldoanh nghip xy dng mng ni b nm 2008 t trn 88% so vi 84% ca nmtrc. Hin c ti 99% s doanh nghip kt ni internet. Tuy nhin, do thi quen muasm ca ngi tiu dng v khu thanh ton khin TMT Vit Nam chm pht trin;ngi mua v ngi bn vn thc hin theo phng thc tin trao cho mc, v ngitiu dng lo ngi mua phi sn phm khng dng c hoc cht lng.

II. Gii thiu chung v th thanh ton:

1.Khi nim v th thanh ton:


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i vi th thanh ton c nhiu khi nim din t n, mi mt cch din t nhmlm ni bt mt ni dung no .Sau y l mt s khi nim v th thanh ton:

Th thanh ton (th chi tr) l mt phng tin thanh ton tin mua hng ho, dchv hoc c th c dng rt tin mt ti cc Ngn hng i l hoc cc my rt

tin t ng. Th thanh ton l mt loi th giao dch ti chnh c pht hnh bi Ngn hng,

cc T chc ti chnh hay cc cng ty. Th thanh ton l mt phng tin thanh ton khng dng tin mt m ngi ch

th c th s dng rt tin mt hoc thanh ton tin mua hng ho, dch v ticc im chp nhn thanh ton bng th.

Th thanh ton l phng thc ghi s nhng s tin cn thanh ton thng qua myc th phi hp vi h thng mng my tnh kt ni gia Ngn hng/T chc tichnh vi cc im thanh ton (Merchant). N cho php thc hin thanh ton

nhanh chng, thun li v an ton i vi cc thnh phn tham gia thanh ton.Tm li: cc cch din t trn u phn nh ln y l mt phng thc thanh ton mngi s hu th c th dng thanh ton tin mua hng ho dch v hay rt tinmt t ng thng qua my c th hay cc my rt tin t ng.

2. Lch s hnh thnh v pht trin ca th thanh ton:

- Nm 1990 hp ng lm i l chi tr th Visa gia ngn hng Php BFCE v Ngnhng Ngoi thng VN m u cho s du nhp ca th thanh ton vo VN. S lin ktny ch yu l nhm phc v cho lng khch du lch quc t ang n VN ngy cngnhiu. Sau Ngn hng Ngoi Thng, Si Gn Thng Tn cng lin kt vi trung tmthanh ton th Visa lm i l thanh ton. C l chnh sch m ca thng thong em li cho VN mt b mt kinh t x hi nhiu trin vng. Cc d n u t ncngoi tng t s lng n quy m, cc nh ch ti chnh ln ch n VN v i theo


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nhng tp on ny l cc dch v song hnh trong th thanh ton l khng th thiuc.- Nm 1995 cng vi Ngn hng Ngoi thng TP.HCM, Ngn hng Thng mi C

phn Chu, Ngn hng Lin doanh First-Vina-Bank v Ngn hng Thng mi Cphn Eximbank c Thng c Ngn hng Nh nc VN cho php chnh thc gia nhpt chc th quc t Mastercard.- Nm 1996 Ngn hng Ngoi thng chnh thc l thnh vin ca t chc VisaInternational. Tip sau l Ngn hng Chu, Ngn hng Cng thng VN cng lnlt l thnh vin chnh thc ca t chc Visa Card, trong Ngn hng Ngoi thngv Chu thc hin thanh ton trc tip vi t chc ny. Cng trong nm ny Ngnhng Ngoi thng VN (Vietcombank) pht hnh th im th ngn hng u tin, ngthi Hi cc ngn hng thanh ton th VN cng c thnh lp vi bn thnh vin snglp gm Vietcombank, Ngn hng Thng mi C phn Chu, Ngn hng Thng miC phn Xut nhp khu (Eximbank) v First Vinabank. Hnh lang php l cho hot

ng th lc y ch l quyt nh s 74 do Thng c Ngn hng Nh nc k ban hnhngy10/4/1993, qui nh th l tm thi v pht hnh v s dng th thanh ton. Vicng dng th VN vo thi im cn b gii hn rt nhiu v c s php l, iu kinkinh t, h tng k thut Trn c s tha thun ca Ngn hng Nh Nc, ngn hngthng mi th im pht hnh th t xy dng qui ch, hp ng pht hnh v s dngth, tc tnh php l ch dng mc iu chnh ni b gia ngn hng pht hnh vch th.- Th trng th nm 2006, 2007 tr ln si ng v VN bc vo sn chi rng lWTO, th trng ti chnh VN cng cnh tranh quyt lit hn khi c thm nhiu ngnhng nc ngoi u t vo y v dch v th tn dng, th ATM l mt loi v khc lc ngn hng thm nhp th trng. Hng lot sn phm th thanh ton ra i, mra mt cuc so ti pht hnh th gia cc ngn hng trong nc. u tin l Ngn hngTMCP K thng VN Techcombank, ngn hng ny tung ra hng lot th thanhton, ni tri l th Fastaccess. Tip theo , Ngn hng TMCP Si Gn Thng Tn Sacombank kt hp cng t chc Visa ra mt th thanh ton Quc t Sacom VisaDebit. y l phng tin thanh ton nng ng nhm vo gii doanh nhn: ch tikhon c th dng th thanh ton trong v ngoi nc.

3. c im v phn loi th thanh ton:

C nhiu cch phn loi th thanh ton: phn loi theo cng ngh sn xut, theo chth pht hnh, cht thanh ton ca th, theo phm vi lnh th...


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3.1. Phn loi theo cng ngh sn xut:

C 3 loi:a. Th khc ch ni (EmbossingCard): da trn cng ngh khc ch ni, tm th utin c sn xut theo cng ngh ny. Hin nay ngi ta khng cn s dng loi th nyna v k thut qu th s d b gi mo.b. Th bng t (Magnetic stripe): da trn k thut th tn vi hai bng t cha thngtin ng sau mt th. Th ny c s dng ph bin trong 20 nm qua , nhng bc

l mt s nhc im: do thng tin ghi trn th khng t m ho c, th ch mangthng tin c nh, khng gian cha d liu t, khng p dng c k thut m ho, bomt thng tin...c. Th thng minh (Smart Card): y l th h mi nht ca th thanh ton, th c cutrc hon ton nh mt my vi tnh.

3.2. Phn loi theo tnh cht thanh ton ca th:

a. Th tn dng (Credit Card): l loi th c s dng ph bin nht, theo ngich th c php s dng mt hn mc tn dng khng phi tr li mua sm hngho, dch v ti nhng c s kinh doanh, khch sn, sn bay ... chp nhn loi th ny.Gi y l th tn dng v ch th c ng trc mt hn mc tiu dng m khng phitr tin ngay, ch thanh ton sau mt k hn nht nh. Cng t c im trn m ngi tacn gi th tn dng l th ghi n hon hiu (delayed debit card) hay chm tr.b. Th ghi n (Debit card): y l loi th c quan h trc tip v gn lin vi ti khontin gi. Loi th ny khi c s dng mua hng ho hay dch v, gi tr nhng giao


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dch s c khu tr ngay lp tc vo ti khon ca ch th thng qua nhng thit bin t t ti ca hng, khch sn ... ng thi chuyn ngn ngay lp tc vo ti khonca ca hng, khch sn... Th ghi n cn hay c s dng rt tin mt ti my rttin t ng.Th ghi n khng c hn mc tn dng v n ph thuc vo s d hin hu trn ti khonca ch th.C hai loi th ghi n c bn:- Th online: l loi th m gi tr nhng giao dch c khu tr ngay lp tc vo tikhon ch th.- Th offline: l loi th m gi tr nhng giao dch c khu tr vo ti khon ch thsau vi ngy.c. Th rt tin mt (Cash card): l loi th rt tin mt ti cc my rt tin t ng hoc ngn hng. Vi chc nng chuyn bit ch dng rt tin, yu cu t ra i vi loith ny l ch th phi k qu tin gi vo ti khon ngn hng hoc ch th c cp tn

dng thu chi mi s dng c.Th rt tin mt c hai loi:Loi 1: ch rt tin ti nhng my t ng ca Ngn hng pht hnh.Loi 2: c s dng rt tin khng ch Ngn hng pht hnh m cn c s dng rt tin cc Ngn hng cng tham gia t chc thanh ton vi Ngn hng pht hnhth.3.3. Phn loi theo phm vi lnh th:

- Th trong nc: l th c gii hn trong phm vi mt quc gia, do vy ng tin giaodch phi l ng bn t ca nc .- Th quc t: y l loi th c chp nhn trn ton th gii, s dng cc ngoi tmnh thanh ton.3.4. Phn loi theo ch th pht hnh:

- Th do Ngn hng pht hnh (Bank Card): l loi th do ngn hng pht hnh gip chokhch hng s dng mt s tin do Ngn hng cp tn dng.- Th do t chc phi ngn hng pht hnh: l loi th du lch v gii tr ca cc tp onkinh doanh ln hoc cc cng ty xng du ln, cc ca hiu ln... pht hnh nh Diner'sClub, Amex...

4. Vai tr, tin ch v cc nhn t nh hng n s pht trin ca th thanh ton:

Vai tr, tin ch:

Vi c tnh chc nng ca mnh, th tn dng mang li rt nhiu tin ch cho ngi sdng.


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- Nu s hu mt th tn dng v thng xuyn mua sm ti cc im chp nhn thanhton bng th: Siu th, ca hng, sn bay, thanh ton trc tuyn th li ch ca vicny l c chm tr nhng khon tin bn dng mua sm. Ngn hng ng trc mthn mc cho th tn dng ca bn thc hin thanh ton trong mt thng, v sau bnc ti a 45 ngy thanh ton nhng khon tin chi tiu m khng b tnh li.- cc nc pht trin, khi mi ca hng u c thit b thanh ton cho cc loi th thhu ht ngi dn c thu nhp n nh u chi tiu bng th tn dng. S dng th s anton, thun tin hn mang theo tin mt, gip tit kim thi gian.

- Ti Vit Nam, gii vn phng c mc thu nhp kh cc thnh ph, c bit l nhngngi hay i cng tc, thng xuyn c nhu cu t phng khch sn, t v my bayth s dng th tn dng cng l mt gii php hay.

- Nhng ngi hay ra nc ngoi thch hp vi cc loi th tn dng quc t c th sdng hu ht cc im chp nhn th c trong nc v ngoi nc. Th quc t sn ctnh nng thanh ton trc tuyn vi cc tiu chun nghim ngt v an ton, bo mt gipch th yn tm khi s dng.

- Cc th quc t thng dng nc ta hin c: Visa, Master, American Express, JCB,Dinner Club do rt nhiu ngn hng pht hnh: Vietcombank, ACB, Eximbank,Sacombank, Incombank, VIBBank Techombank, Agribank

- Cc ngn hng cng pht hnh th tn dng ni a ca ngn hng mnh, vi nhng tnhnng ring gip gia tng tin ch cho ch th: Chc nng thanh ton trc tuyn, thanh


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ton qua th, in thoi, t ng thanh ton ha n nh k, u i khi thanh ton ticc ca hng l i tc ca ngn hng pht hnhCc nhn t nh hng n s pht trin ca th thanh ton:

Th nht, i a s ngi dn Vit Nam c thi quen s dng tin mt trongthanh ton hng ngy bi h cho rng tin mt l phng tin thanh ton ny ngin v thun tin nht.

Th hai, cng thanh ton trc tuyn ch chp nhn cc loi th thanh ton quc tnh VISA card, Master Card Trong khi , theo thng k, trong s hn 20 triungi s dng Internet ti Vit Nam th ch c 20% c th ghi n v 1% c th tndng ti cc ngn hng trong v ngoi nc.

Tm l s ri ro :

Ch Trn Minh Nguyt, qun Cu Giy, H Ni mua chic my tnh xch tay hiuLenovo ti Cng ty Th gii gi ng, vi gi 7,2 triu ng. V mang thiu mt triung, sau mt hi thng lng vi cng ty, ch Nguyt thanh ton nt s tin cnthiu thng qua chuyn khon bng internet banking.

- Tuy nhin, thng v khng thnh v ang thc hin giao dch th h thng internetb treo. Ngoi vic phi chy ti chy lui ngn hng lm bn tng trnh, xc minh li stin trn, n hn mt thng sau ti mi nhn c tin b 'kt' trong h thng, ch

Nguyt bc xc.

- Ch Nguyn Minh Trang, Gim c mt doanh nghip t nhn ti H Ni cng cho bithu ht trong cc thng v ca ch u thc hin theo phng chm tin trao, chomc v rt s xy ra s c pht sinh khi chuyn tin qua ti khon.

- Theo V Thanh ton Ngn hng Nh nc, hin nay thit lp c h thng thanhton in t lin ngn hng, kt ni 63 chi nhnh ti cc tnh, thnh ph. C nc hin ctrn 10.000 my ATM, hn 36.000 thit b chp nhn th c lp t v 22 triu thngn hng c pht hnh, hnh thnh mt s cng ty chuyn mch ca cc lin minh

th, kt ni giao dch th gia cc ngn hng thnh vin nh Banknet, Smartlink. Songtrn thc t, a s ngi dn ch s dng th ATM rt tin.

- Theo cc chuyn gia ca ngnh ngn hng, vic ngi tiu dng Vit qu quen v lthuc vo tin mt, cng nh tm l "s tn tay, nhn tn mt" mi yn tm khin chothanh ton phi tin mt gp rt nhiu kh khn khi p dng vo i sng. C mt thc tl d nhiu cng ty tin hnh tr lng cho cng nhn, nhn vin qua ATM, nhng ch


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vi pht sau khi c lng, cc nhn vin a ra quy ATM rt sch tin, vi l do" tin trong ti khon ngn hng th... khng yn tm."

Cn qu t dch v

- ng o Minh Tun, Ph Tng gim c ph trch v cng ngh ca Vietcombanktha nhn, ngoi thi quen s dng tin mt ca ngi dn cn qu ln, ngi dn khngthch s dng thanh ton qua ATM cn do cc dch v trn Internet Banking, MobileBanking hin vn cha thc s a dng, cng tc qung b ca nh bng v dch v likh t nn khng thu ht c s quan tm nhiu ca khch hng.

- n nay, Vietcombank c hn 4 triu ti khon th nhng ch c khong 1 triukhch hng s dng dch v Internet Banking, ch yu l vn tin nhanh. Cnchuyn khon, thanh ton ch chim t l rt nh khong 10% (tng ng 100nghn ngi).

- ng Phm Anh Tun Ph Tng gim c Vietinbank cng cho bit, qua mt sv vic mt an ninh, giao dch la o, khin cho nim tin ca ngi dn vocc dch v nh chuyn khon qua SMS, Internet Banking hoc Phone Banking...cha cao.

- Theo ng Phm Anh Tun, trong thi gian va qua, nhiu ngn hng lm mtuy tn i vi khch hng khi thc hin cc giao dch trc tuyn trn mng, iuny gy ra tm l lo ngi cho ngi dn khi thc hin thanh ton online. Thm vo, khi s dng thanh ton th, khch hng s phi tr mt khon ph cho nh phthnh th nh Visa, Master Card, m khon ph ny i vi Vit Nam vn cn qu

cao. iu ny lm cho cc doanh nghip khng mn m lm vi vic chp nhnthanh ton bng th, do h hay vin c yu cu khch hng thanh ton bngtin mt, hoc khi thanh ton th khch s phi chu ph.

Th nhiu nhng my cn qu t

- Ch Nguyn Hng Giang, nhn vin ca mt cng ty truyn thng nc ngoi tiVit Nam cho bit: "Ti hin ang s hu hai chic th rt tin ph bin nht caVietcombank v BIDV. Th ATM mang li cho ti rt nhiu tin li khi ct gitin bc cng nh khi i mua sm. Tuy nhin, khng phi lc no ti cng c th

rt c tin vi nhng tm th trong tay. Khi mt in hay c s c phn mmti cy ATM, hoc vo nhng dp l Tt c ng khch rt tin, hai tm th ATMca ti tr thnh v dng. Hoc nhng khi ra n ngoi thnh H Ni v c bitkhi i cng tc nhng tnh xa, ti buc phi cm theo mt xp tin v khngc my ATM".

- Tht vy, tng ng vi 2,1 triu th c cc ngn hng Vit Nam pht hnhmi ch c 1.200 my ATM c lp t trn ton quc (tnh ti thi im cui


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nm 2005). Tnh trung bnh c ti 1.750 ngi chen chc nhau s dng mt chicmy ATM, mt t l qu nh b, cha k s phn b ca h thng ATM l khngng u ti cc a phng cng nh ti cc khu vc trong cng mt a phng.

Nhiu chuyn gia nhn xt rng hin nay cc ngn hng mi ch chy theo b ni, tc slng th pht hnh ra, m cha ch ti chiu su, tc l sc sng ca chic th sau khic a n tay ngi s dng v nhng tin ch i km.Khng ch c nhng bt tin trong vic s dng th ATM, ngi dng Vit Nam cn imt vi hng lot nhng vn kh chu khc nh hp ng di dng vi nhng con chli ti ht sc kh c m cc nhn vin ngn hng cng chng my khi gii thch thu o.

Thch thc bo mt th:

c bit, khi mt lot cc quc gia v vng lnh th trong khu vc nh Malaysia, iLoan, Nht Bn, Singapore, Trung Quc... ang tch cc chuyn sang loi th thng minhtheo chun EMV c bo an cao hn, nhng k ti phm gi mo th ang c xu hng

chuyn hot ng sang a bn Vit Nam, v tuyt i a s ngi Vit Nam ang sdng th t - loi th d b lm gi.ng trc nguy c ny, nhiu ngn hng Vit Nam dng nh vn "bnh chn nh vi".Cng c mt s trng hp kin co v b mt tin t th ATM.C th trong mt s trng hp, li thuc v pha khch hng nhng cch gii quyt canhiu ngn hng nhiu khi cha "thu tnh t l". a phn trong cc v kin ny, ngis dng b thua kin v ngn hng lun "nm ng chui".Cng vic trang b kin thc bo mt th cho khch hng dng nh ch c thc hinmt cch qua loa v thiu s quan tm ng mc. Vi nhng bt cp trong h thngthanh ton ATM ca mnh, a phn cc ngn hng s dng bin php "m ni che tai".Cn ngi s dng, nu khng may mc phi, th cng nh than tri v dn nhau "Thinh t bo trng!".D sao i na, ngi tiu dng Vit Nam cng quen dn vi vic s dng mt trongnhng phng thc thanh ton hin i, tin dng - th ATM.Thc ra, bn thn cng ngh hin i phc v cuc sng khng bao gi c li. C chngth l con ngi, nhn vt sng to v s dng n. ng Nguyn Trng Khang - Chtch Hi ng qun tr Cng ty lin doanh Th thng minh MK - cho bit: "ng trccuc cnh tranh quyt lit trn th trng th y tim nng nh Vit Nam, cc ngn hngs ngy cng chuyn nghip ha hn trong khu pht hnh th cng nh thc hin cc

dch v hu mi v chm sc khch hng tt hn. Theo ti, nm 2006 s nh du bcpht trin vt bc v cht ca th trng th nc ta. Cc ngn hng s chuyn dn sangloi th thng minh theo chun EMV an ton hn v c th tch hp c nhiu dch vgia tng trn mt tm th hn".Chic th nha xinh xn nh mt tm danh thip tr thnh mt phn "tt yu" cacuc sng ca nhiu ngi tiu dng Vit Nam. Vi vic dch v thanh ton th qua hthng ATM ngy cng m rng thm nhiu tin ch nh: np ph bo him, tin in,


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nc, tr cc in thoi... v Ngn hng Nh nc sp a ra nhng quy nh mi bov ngi s dng, hy vng trong nm mi ny chic th s tr thnh s la chn canhiu ngi tiu dng Vit Nam.

5. Cc ch th tham gia trong quan h pht hnh v s dng th thanhton:

Cc thnh phn tham gia hot ng th: Hot ng pht hnh, s dng v thanh ton thtrong nc c s tham gia ca 4 thnh phn c bn: Ngn hng pht hnh, Ngn hngthanh ton th. Ch th v cc n v chp nhn th. i vi th tn dng quc t cn cthm mt thnh phn na l T chc th quc t.

T chc th quc t: L n v ng u qun l mi hot ng v thanh ton th trongmng li ca mnh. y l hip hi cc t chc ti chnh, tn dng ln c mng lihot ng rng khp. Cc t chc th quc t ni ting nh: Cng ty th Americanexpress, T chc th Visa, MasterCard...

Ngn hng pht hnh: L NH c t chc th quc t hoc cng ty th trao quyn phthnh th mang thng hiu ca t chc v cng ty ny. Ngn hng pht hnh c quynin tn NH mnh trn th th hin l sn phm ca mnh.

Ngn hng thanh ton: L NH chp nhn th nh mt phng tin thanh ton thng quavic k hp ng chp nhn th vi cc n v cng cp hng ho dch v. NH s cung

cp cc thit b phc v cho vic thanh ton th v hng dn cch thc vn hnh cngnh cch thc qun l, x l nhng giao dch thanh ton ti cc n v ny.

Ch th: L nhng c nhn hoc ngi c u quyn (nu l th do cng ty u quyns dng), c tn c in ni trn th v s dng th theo nhng iu khon, iu kin NHquy nh.

n v chp nhn th: L cc n v cung ng hng ho dch v k hp ng vi NH vvic chp nhn th thanh ton nh mt phng tin thanh ton. Cc n v chp nhn ththng l cc khch sn, sn bay, siu th...

6. Quy trnh pht hnh v s dng th:

Pht hnh:

Applicant apply -----> Issuer Bank review base on income and credit worthiness


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approve/ of deny credit ------->1 --->deny issuer bank send letter to applicant2 ------> approved bank send applicant profile to credit card making company ---->after card is made ---> send to applicant

Puchase processing:

Card holder purchase at merchant - merchant machine ----> data sent to --------->Central processing center (card services) ----->1 - To issuer bank -----> sent statement to card holder2 - Send money to merchant credit card service -----> merchant's bank account

Payment:

Card holder sent payment ------>1 - issuer bank -----> central processing center ------> CPC sent money back toissuer bank ( minus royalty & servce fees)2 - direct to central processing center----> CPC sent money back to issuer bank( minus royalty & servce fees)

Central Processing Center ( Phoenix, Arizona (Visa), Wellmington, DE, SiouxFall, S D (Mastercard)

Discover Card v American Express cng tung t nhng h c h thng ring, chxi chung Merchant card service

Qui trnh thanh ton trc tuyn bng th tn dng

Khi bn bn sn phm hoc dch v trn mng Internet, bn cncung cp cho ngi mua mt phng n thanh ton trc tuyn trn mng bn cnh cc

phng n thanh ton khc. Cch ph bin nht trong thanh ton trc tuyn hin nayl s dng th tn dng Credit card ca cc hng Visa, Master, American Express,JBC...c cc ngn hng pht hnh (Issuer).

Trc ht, nu bn l ngi bn (merchant), bn phi to lp mt ti khon bn hngtrn mng (Internet merchant account). Ti khon bn hng ny bn c th ng kvi Ngn hng ca bn nu ngn hng c dch v ny hoc vi cc dch v cung cp


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phn mm x l qu trnh thanh ton trc tuyn nhCybercash, Paymentnet,Merchantwarehouse

Cc ngn hng hoc nh cung cp dch v khi cp cho bn Merchant account s cgi l Acquirer, chu trch nhim x l thng tin th trong qu trnh thanh ton.

Trn website bn hng, ngi bn phi trang b nhng tnh nng sau:

- Shopping cart (gi mua hng): c th do nh cung cp dch v thit k website xydng hoc phn mm c sn bn trn mng. Ngi mua hng khi ang xem hng trnwebsite c th chn mua sn phm bng cch nhn nt Buy, mt hng s c luli trong gi hng, ngi mua c th chn nhiu mt hng, khi quyt nh mua hngc th xem gi hng xem li cc mt hng, thay i s lng hng, tnh tin. ktni c vi dch v thanh ton qua mng, shopping cart cn c xy dng t

mt s tiu chun tch hp.

- Payment gateway: l mt phn mm dng x l vic thanh ton ca th tn dngbao gm vic xc nhn thng tin ca th tn dng l c tht v hp l, thc hin cclnh chuyn tin. (cng ngh tt s hn ch ri ro ca th tn dng gi mo)

Qu trnh thanh ton th tndng

Hai tnh nng trn ca websitephi c thc hin trn my chan ton (secure server) m botnh bo mt ca cc thng tin vth tn dng khi nhp trn website

v trong qu trnh thc hin giaodch.

Qui trnh thanh ton c thc hin nh sau:

- Ngi mua c th tn dng (Cardholder) khi quyt nh mua hng s nhp cc thng tinv th tn dng ca mnh nh: s th, m s an ton, thi hn ca th, h v tn ch s


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hu, a ch thanh ton trn website, nhng thng tin ny s c chuyn n cho ngnhng hay nh dch v cung cp payment gateway l cc Acquirer. Acquirer s gi thngtin v th ti dch v cung cp th v ngn hng pht hnh th kim tra tnh hp l cath v kim tra kh nng thanh ton ca th. Nu mi iu kin u ph hp, ngn hng

pht hnh th s gi thng tin ngc tr v cho Acquirer, thng tin c gii m gi vcho ngi bn v vic thanh ton c thc hin. Tin s c chuyn t th tn dngca ngi mua ti ti khon bn hng merchant account trn Acquirer, sau s cchuyn vo ti khon ngn hng ca ngi bn.

Ph cho vic thanh ton trc tuyn:

- Thng thng vic m Internet merchant account khng tn ph

- Vic s dng phn mm ng dng payment gateway thng c ph ci t ban u t

vi chc n vi trm la v ph duy tr hng thng khong vi chc la

- Trong mi giao dch thanh ton qua mng, cc acquirer s thu ph khong t 1.5% n4% gi tr giao dch v khong t 0.3$ cho ti 0.5$ ph xc nhn thng tin th/ln giaodch

- Ngoi ra, nu c sai st trong qu trnh thanh ton hoc b th tn dng gi, ngi bnphi chu thm chi ph chargeback khong vi chc la.

Vic tin hnh thanh ton qua mng c th tin hnh n gin hn bng cch s dngdch v ca bn th ba (Third Party) chu trch nhim mi khu thanh ton, ngi bn chcn lin kt phn shopping cart ca mnh vo website ca nh cung cp dch v, mikhu t vic nhp thng s th, x l thanh ton u thc hin ti website ca nh cungcp dch v, ngi bn khng cn m merchant account, khng cn s dng

paymentgateway, gim c cc chi ph ny nhng chi ph trn mi giao dch s cao hn.

7. Ri ro trong pht hnh v s dng th::

Ri ro trong pht hnh th:

Ri ro trong tip nhn thm nh h s

- Cha y h s theo quy nh ca NHCTVN- H s cha y thng tin khch hng- Ni dung trong n xin pht hnh th c thng tin gi mo- i l pht hnh th gi mo h s pht hnh th ph m khch ko yu cu


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- Cc giy t ca khch hng khng c bn gc i chiu, ch k ko hp l- Thm nh khng ng quy trnh, quy nh ca NHCT VN- Khng thc hin kim tra CMT gc hoc s CMT b m khng chnh xc khi chp nhn

pht hnh th ATM cho khch hng- Khng thm nh k thng tin v khch hng ng k lm n v chp nhn th/ imng tin mt- Khng thm nh k t cch ch th, kh nng thanh ton khi m th tn dng quc tcho khch hng

Pht hnh v gia hn th

- Pht hnh ATM tp th: Doanh nghip cung cp CMT b m, khng chnh xc- Sai tn ch th, sai hng th, thiu cc thng tin khc- Giao phong b th ATM b mt nim phong cho khch hng

- Giao nhm th cho khch hng- Giao th c h tn th trng nhau cho khch hng m khng kim tra chng minh th xc nh ch th hoc c kim tra CMT nhng khng kt ni c vi my trm kim tra- Giao nhn th khng ng quy trnh ( trao th v PIN cho khch hng m khng hngdn khch hng k vo phiu xc nhn nhn th hoc khng ghi ngy gi nhn )- Khng kch hot th mi pht hnh- In th lm chm / PIN nhe khng r s- Ht phi in th khng thng bo sm iu chnh ngy hn giao th vi khch hng- Trung tm th gi nhm s PIN hoc nhm th ca chi nhnh ny sang cho chi nhnhkhc- K hoch pht hnh th khng st vi thc t nhu cu- Th in chm, khng giao cho khch hng ng hn- Cung cp sai s PIN/ s ti khon cho khch hng- Mt th do trung tm th gi bng ng bu in- Khng gia hn th cho khch hng

Bo mt

- Mt cn b lm nhiu vic mt lc ( cn b va nm cha kha ATM, va c userchng trnh qun l th MOSAIC, va ang gi th b nut )- Thnh vin tip qu l m kha kt khoang cha tin my ATM- L trnh k hoch tip qu cc ATM ngoi tr s b l- t li PIN ti cc my trm Mosaic khng xc thc ng ch th- CB cho mn m truy cp- CB l mt khu ( Password) , m truy cp


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- S d TK th ca khch hng b tit l- Phn cp, phn quyn trn trm MOSAIC khng ng quy nh

Giao dch chuyn tin t TK th:

- CB ngn hng chuyn tin vo th ATM sai ti khon/ sai s th- KH chuyn nhm tin vo ti khon ngi khc khi thc hin chuyn khon- Phong ta ti khon th do chuyn nhm ti khon- Nhp sai s tin khch hng np vo th ATM

Hch ton k ton:

- Chi tin cho khch hng ti quy qun ghi n ti khon khch hng hoc ghi n chm- Hch ton k ton nhm ngi hng, nhm ti khon, nhm s tin, loi tin

- Nhm ln trong bn giao h s m th gia phng tng hp tip th v k ton- Thu ph tha hoc thiu/ Qun khng thu ph- Tin tn qu ATM c sai lch gia bo co ATM v thc t- Thu n th tn dng quc t tha/ thiu

Ri ro trong x l s c:

- X l cc giao dch khng thnh cng- X l trng hp my ATM nut th khng kp thi theo quy nh- Th hng, ngng x dng cha xa khi h thng- S c ht giy, ht tin ti my ATM khng x l kp thi- Khng phong ta ti khon kp thi khi ch th b mt cp, tht lc- Rt tin nhng KH cha nhn c tin th trn ti khon b tr tin- Giao dch khng thnh cng nhng ti khon khch hng vn b tr tin ph giao dch- n v chp nhn th c nhng giao dch nghi ng gian ln nhng giao dch vin vn

bo c cho n v chp nhn th- Nhn vin n v chp nhn th/ ng tin mt in nhiu ha n thanh ton cho 1 th- Nhn vin n v chp nhn th khng i chiu, kim tra ch k, h chiu v c iman ton th khi ch th thc hin giao dch

- Nhn vin n v chp nhn th thao tc sai, c nhm s tin giao dch- n v chp nhn th thc hin tng kt mun qu thi gian quy nh- n v chp nhn th/im ng tin mt ko theo quy trnh, nguyn tc chp nhn thanhton th

Ri ro trong kim tra, r sot:


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- Cc bo co ATM cha c chm i chiu hng ngy- Khng kim tra cht ch khi thc hin i m PIN- Thc hin chi tin mt ti quy m khng vn tin ti khon trc khi chi tr/ khng ghin ti khon khch hng- Khng chm kp thi s chi tit TK TM 10105 cc my ATM- Khng thng xuyn kim tra tnh trng ATM lm nh hng n giao dch ca khch

My thanh ton th (EDC)

- My EDC ti n v chp nhn th khng thanh ton c th tn dng quc t- Tng kt giao dch trn EDC mun- My EDC hng khng sa cha kp thi- My EDC ti n v chp nhn th vn th hin 16 s th TDQT Visa ( khng tun th

theo quy nh ca t chc th quc t VISA)- K thut vin ci sai thng s cho cc my EDC ( nhm ngoi t vi ni t, nhm thngs ca cc DVCNT khc)

Nhp tin vo my ATM:

- K thut vin qun khng ng chu k c v m chu k mi dn n sai lch s tin tnqu gia hai chu k- K thut vin khng khai bo s tin mi np vo my ATM dn n kim qu chnhlch gia s k ton v bo co tn qu ATM- Tin khng khay- Nhp tin vo my ATM khng thnh phn- t nhm loi tin vo hc tin

Gian ln th:

- Ly cp th ca khch hng- Trm d liu di nhiu hnh thc khc nhau ( quay camera, qua vai..)- Ci t cc thit b n cp d liu th

- Dng in thoi gn camera ghi hnh chp nh v s dng ton b thng tin vomc ch phm php- Lm th TDQT gi v rt tin t my ATM ( truy cp Internet ly trm thng tin- Ch th thng xuyn dng th TDQT rt tin ln vt hn mc rt tin mt t ccmy ATM- Ch th thng xuyn dng th TDQT chi tiu vt hn mc th tn dng quc tRi ro trong vic s dng th:


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Hot ng Thanh ton th cng tim tng rt nhiu ri ro, trong c s tham gia caNgn hng, ch th, n v chp nhn th v cc thit b u cui (ATM, POS...). Ccloi ri ro thng gp trong hot ng thanh ton th bao gm:

n v chp nhn th (VCNT) gi mo (Fraudulen Merchant) VCNT thng ng vi ch th: nh cp d liu th s dng vo mc ch bt hp

php hoc thng ng vi ch th chp nhn thanh ton th gi; Thanh ton hng ha dch v bng th qua cc phng tin vin thng qua th, inthoi, Internet: Thay i s tin trn ha n, nh cp tin trong ti khon Nhn vin VCNT in nhiu ho n thanh ton ca mt th (Multiple imprint) Cc VCNT c t l ri ro cao (High Risk Merchant): Hng ha, dch v c gi tr ln,c tnh cht d chuyn i sang tin mt; VCNT gian ln: Thc hin giao dch khng ng loi hnh giao dch ng k, sai s tin giao dch, khng xin chun chi theo tho thun qui nh;

Ti khon ca ch th b li dng (fraudulent use of account): S dng trong mitrng thanh ton khng phi xut trnh th (thanh ton qua th/in thoi hoc thngmi in t); Ch th l s PIN Th b mt/mt trm (lost/stolen card) Th gi (counterfeit): th tht b thay i thng tin, th ch gi mo thng tin trn di

bng t hoc th b sao chp lm gi hon ton. D liu bng t (skimming) hoc d liu trn ng truyn (tapping) b nh cp.

Ri ro trong khu vc Chu Thi Bnh DngTheo s liu thng k gn y ca T chc Visa - khu vc, ri ro i vi hot ng thanhton th trong khu vc nh sau: Gn 50% l ri ro th gi (counterfeit). y l loi ri ro ph bin nht vi th Tn dngv l loi ri ro chim t trng th hai vi th ghi n trong khu vc. N cng l loi ri rochim t trng ln trong cc ri ro ca hot ng thanh ton th. Loi ri ro ny ang giatng nhanh chng, mi lo ngi cc nc trong khu vc thng qua hnh thc n cpthng tin trn ng truyn. 27% l s li dng ti khon th trong mi trng thanh ton khng s dng th. y l

s cnh bo cho cc loi giao dch gin tip khng dng th; Hin tng gian ln th ang chuyn hng sang cc nc: i Loan, Thi Lan. Ccnc nh Australia, Hng Kng u t cho vic phng nga gian ln lm gim tl ri ro trong lnh vc ny. Vit Nam, th gi mo l loi hnh ri ro ph bin nht, chim 75% tng cc loi riro trong Pht hnh th; V vy, cn c bit ch trng cng tc phng nga ri ro vi loi


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hnh ang pht trin hin nay l gi mo th bng cch n cp thng tin trn ngtruyn.

Chng II. Thc trng pht hnh v thanh ton th tiNgn hng TMCP Chu:

I. Gii thiu chung v ACB:

Tn gi: Ngn hng thng mi c phn ChuTn giao dch quc t: ASIA COMMERCIAL BANKTn vit tt: ACBTr s chnh: 442 Nguyn Th Minh Khai, Q. 3, TP. H Ch Minh.

in thoi: (08) 929 0999.Website: www.acb.com.vnLogo:

Vn iu l: 1.100.046.560.000 ng.Giy php thnh lp: S 533/GP-UB do y ban Nhn dn TP. H Ch Minh cp ngy

13/5/1993.Giy php hot ng: S 0032/NH-GP do Thng c NHNN cp ngy 24/4/1993.Giy CNKKD: S 059067 do S K hoch v u t TP. H Ch Minh cp chong k ln u ngy 19/5/1993, ng k thay i ln th chn ngy 23/2/2006.M s thu: 0301452948.

Ngnh ngh kinh doanh:Huy ng vn ngn hn, trung hn v di hn di cc hnh thc tin gi c k hn,khng k hn, tip nhn vn y thc u t v pht trin ca cc t chc trong nc, vayvn ca cc t chc tn dng khc;

Cho vay ngn hn, trung hn, di hn; chit khu thng phiu, tri phiu v giy t cgi; hn vn v lin doanh theo lut nh;Lm dch v thanh ton gia cc khch hng;Thc hin kinh doanh ngoi t, vng bc v thanh ton quc t, huy ng cc loi vn tnc ngoi v cc dch v ngn hng khc trong quan h vi nc ngoi khi c NHNNcho php;Hot ng bao thanh ton.


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http://www.acb.com.vn/http://www.acb.com.vn/


29/45

1. C cu t chc ca ACB:

By khi : Khch hng c nhn, Khch hng doanh nghip, Ngn qu, Pht trin

kinh doanh, Gim st iu hnh, Qun tr ngun lc, Cng ngh thng tin;Bn ban: Kim tra Kim sot ni b, Chin lc, m bo cht lng, Chnh sch vQun l tn dng.

Hai phng : Quan h Quc t, Thm nh ti sn (trc thuc Tng gim c).S c cu t chc qun l ca ACB:


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B MY QUN TR V IU HNH

i hi ng c ng: l c quan c thm quyn cao nht ca Ngn hng.Hi ng qun tr: do HC bu ra, l c quan qun tr Ngn hng, c ton quynnhn danh Ngn hng quyt nh mi vn lin quan n mc ch, quyn li ca

Ngn hng, tr nhng vn thuc thm quyn ca HC. HQT gi vai tr nhhng chin lc, k hoch hot ng hng nm; ch o v gim st hot ng ca

Ngn hng thng qua Ban iu hnh v cc Hi ng. Ban kim sot: do HC bu ra, c nhim v kim tra hot ng ti chnh ca

Ngn hng; gim st vic chp hnh ch hch ton, k ton; hot ng ca h

thng kim tra v kim ton ni b ca Ngn hng; thm nh bo co ti chnhhng nm; bo co cho HC tnh chnh xc, trung thc, hp php v bo coti chnh ca Ngn hng.

Cc Hi ng: Do HQT thnh lp, lm tham mu cho HQT trong vic qun trngn hng, thc hin chin lc, k hoch kinh doanh; m bo s pht trin hiuqu, an ton v ng mc tiu ra. Hin nay, Ngn hng c bn Hi ng, baogm:

Hi ng nhn s: c chc nng t vn cho Ngn hng cc vn v chin lcqun l v pht trin ngun nhn lc pht huy cao nht sc mnh ca ngunnhn lc, phc v hiu qu cho nhu cu pht trin ca Ngn hng.

Hi ng ALCO: c chc nng qun l cu trc bng tng kt ti sn ca Ngnhng, xy dng v gim st cc ch tiu ti chnh, tn dng ph hp vi chin lckinh doanh ca Ngn hng.

Hi ng u t: c chc nng thm nh cc d n u t v xut kin chocp c thm quyn quyt nh u t.

Hi ng tn dng: quyt nh v chnh sch tn dng v qun l ri ro tn dngtrn ton h thng Ngn hng, xt cp tn dng ca Ngn hng, ph duyt hn mctin gi ca Ngn hng ti cc t chc tn dng khc, ph duyt vic p dng bin

php x l n v min gim li theo Quy ch xt min gim li. Tng gim c : l ngi chu trch nhim trc HQT, trc php lut v hot

ng hng ngy ca Ngn hng. Gip vic cho Tng gim c l cc Ph Tnggim c, cc Gim c khi, Gim c ti chnh, K ton trng v b mychuyn mn nghip v.

2. Tnh hnh hot ng kinh doanh ca ACB:


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Ch tiu 2004 2005 30/9/2006TTS 15.419.534 24.272.864 38.177.588Tng vn huy ng 14.353.766 22.341.236 31.670.517

Tng d n 6.759.675 9.563.198 14.464.327Tng thu nhp kinh doanh 475.638 687.654 787.943Thu v cc khon phi np (**) 74.367 102.179 101.298Li nhun trc thu 282.148 391.550 457.684Li nhun sau thu 214.091 299.201 369.293

T l chia c tc (%) 36,7 28 38 (*)

Bng tin mt (% trn mnh gi ) 12 12 08 (*)Bng c phiu (% trn s lng) 24,7 16 30 (*)

Ngun: Bo co ti chnh hp nht nm 2004, 2005 v 30/9/2006.

Cc ch tiu khc.Thu nhp.VT: triu ngCh tiu 2004 2005 30/9/2006Thu nhp tn dng 350.295 73,65% 514.265 74,79% 576.092 73,11%Thu nhp phi tn dng 125.343 26,35% 173.389 25,21% 211.851 26,89%Tng thu nhp 475.638 100,00% 687.654 100,00% 787.943 100,00%

Ngun: Bo co ti chnh hp nht nm 2004, 2005 v 30/9/2006.Chi ph.

VT: triu ngCh tiu 2004 2005 30/9/2006Lng v chi ph lin quan 71.035 108.538 132.044Chi ph khu hao 17.874 25.520 30.588Chi ph hot ng khc 93.064 157.255 147.431Tng chi ph kinh doanh 181.973 291.313 310.063

Ngun: Bo co ti chnh hp nht nm 2004, 2005 v 30/9/2006.V t l khu hao TSC.Ch tiu 2004 2005 30/9/2006Ta nh 4,0% 4,0% 4,0%Thit b vn phng 20,0% 33,0% 33,0%Xe c 10,0% 14,0% 14,0%Ti sn c nh khc 20,0% 20,0% 20,0%Phn mm vi tnh 12,5% 12,5% 12,5%

Ngun: ACB.(**)Bao gm tt c cc khon thu phi np trong k bo co.(*) D kin n 31/12/2006.


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Hot ng u t.VT: triu ng

STT Loi hnhS d ut 2004

Ttrng

S d ut 2005

Ttrng

S d ut

30/9/2006

Ttrng

1 u t tri phiu 2.891.750 98,3%4.823.767 97,2%3.705.280 91,6%2 Gp vn u t 51.273 1,7% 136.716 2,8% 338.231 8,4%

Tng cng 2.943.023 100% 4.960.483 100% 4.043.511 100%Ngun: Bo co ti chnh hp nht nm 2004, 2005 v 30/9/2006.Ghi ch:u t tri phiu bao gm:Sn sng bn vGi n ngy o hn.

CHI TIT CC KHON GP VN U T TNH N THNG 09/2006VT: triu ngSTT Tn doanh nghip Vn gp thc tACB1 Cng ty CP Bo him Nh Rng(BO LONG) 15.4002 Cng ty CP Si Gn- Ph Quc 1.958

3Cng ty CP Thng mi v Du lch Si Gn (SPCo)

638

4 Cng ty CP Mt knh Si Gn 1.076

5 Cng ty CP Th Thao ACB 3006 Cng ty CP TM DV ng Anh 1.0007 Cng ty CP pht trin h tng dt may Ph Ni 1.0678 Cng ty CP a c ACB 2.5009 Cng ty CP dch v bo v Ngn hng Chu 10010 Cng ty CP Si Gn Kim Hon ACB - SJC 1.00011 Cng ty CP Thy T 4.10012 Cng ty CP Song Tn 16.00013 Cng ty CP lng thc Bnh Tr Thin 2.654

14 Cng ty CP khu cng nghip Si Gn - Bc Giang 10.00015

Li nhun ng gp t cc cng ty lin kt(ACBR, ACB-SJC, ACBD)

431

Tng cng 58.224ACBS1 Nagarjuna Int'l Vietnam Ltd. 31.047


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STT Tn doanh nghip Vn gp thc t2 Cng ty CP Thy T 8.6823 Cng ty may Phng ng 7.4624 Cng ty CP T tm chu 1.000

5 Eximbank 16.6846 Giadinh bank 1.0007 Cng ty dc phm 3 thng 2 3.7108 Viconship 2.5279 Saigon tourist 15.15810 Cng ty Thy sn Vit Long 9.18811 Cng ty CP a c G Mn 1.58312 Ngn hng i 37.40013 Cng tri gio dc 20.000

14 Cng ty TNHH o to ngn hng 31015 Cng ty TNHH Tn To 35.00016 Ngn hng Vit 86617 Cng ty CP Chuyn mch ti chnh quc gia 10.00018 Cng ty CP T PT Bnh Thng 3.64319 Golf Hoa Vit 43620 Golf sng B 49221 Cng ty CP khu cng nghip c Ho 3 15.93822 Cng ty CP i Ct Hong Long 476

23 Cng ty CP pht trin h tng dt may Ph Ni 4.16224 Cng ty CP khu cng nghip Si Gn - Bc Giang 10.00025 Cng ty CP a c ACB 3.75026 Tng cng 240.513ACBA1 Cng ty CP a c ACB 6.0002 Cng ty LT Bnh Tr Thin 6.7583 Cng ty Khoan v dch v Khoan du kh 17.680

Tng cng 30.438

Cng ty CP Dch v Du lch Ch Ln1

Cc khon u t ca cng ty CP Dch v Du lchCh Ln

9.055

Tng cng 338.231Ngun: ACB.

Cc ch tiu khc.


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Ch tiu 2004 2005 30/9/2006Thu nhp rng t li/TTS bnhqun 2,70% 2,60% 1,84%

Thu nhp ngoi li/TTS bnhqun 0,90% 0,80% 0,68%Chi ph hot ng/TTS bnhqun 1,30% 1,40% 0,99%Li nhun trc thu/TTS bnhqun 2,10% 1,90% 1,47%Li nhun rng/TTS bnh qun 1,60% 1,50% 1,18%Sut li nhun/ Vn t c (ROE) 33,65% 30,02% 23,87%

Ngun: ACBGhi ch: S liu tnh ton da theo Bo co ti hp nht chnh nm 2004, 2005 v30/9/2006.

II. Thc trng pht hnh th thanh ton ti ACB:

ACB l mt trong cc ngn hng Vit Nam i u trong vic gii thiu cc sn phm thquc t ti Vit Nam. ACB chim th phn cao v cc loi th tn dng quc t nh Visav MasterCard. Trong nm 2003, ACB l ngn hng u tin ca Vit Nam a ra thtrng th thanh ton v rt tin ton cu Visa Electron.

- Nm 2004, ACB tip tc pht hnh th MasterCard Electronic. Trong nm 2005,

ACB a ra sn phm th MasterCard Dynamic l loi th thanh ton quc tkt hp nhng tnh nng ca th tn dng v th ghi n.

- Ngoi ra, p ng cc nhu cu thanh ton ni a, ACB phi hp vi cc tchc nh Tng Cng ty Du lch Si Gn, h thng siu th Co-opmart, Maximark,Citimart pht hnh cc loi th tn dng ng thng hiu cho khch hng nia. Th ACB gp phn to nn thng hiu ACB trn th trng v to ngunthu dch v ng k.

CC S LIU V TH NM 2004, 2005 V N 30/9/2006Ni dung n v tnh Nm

2004

Nm

2005

30/9/2006

S lng th pht hnh Th 80.601 145.267 193.207Th quc t Th 62.767 123.063 170.270Th ni a Th 17.834 22.204 22.937S lng i l i l 4.790 5.584 5.972Doanh s giao dch ch th Triu ng 841.516 1.265.800 1.261.164

Ngun: ACB.


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Cc sn phm th hin c ca ACB:

Th tn dng quc t ACB Visa/MasterCard (24/05/10)

Th thanh ton quc t ACB Visa Electron/MasterCard Electronic (19/05/10)Th thanh ton v rt tin ni a ACB E. Card (19/05/10)

Th ghi n ni a 365 Styles (19/05/10)


35
http://www.acbcard.com.vn/sanpham/00000005B4http://www.acbcard.com.vn/sanpham/00000005AFhttp://www.acbcard.com.vn/sanpham/00000005ADhttp://www.acbcard.com.vn/sanpham/00000005AChttp://www.acbcard.com.vn/sanpham/00000005B4http://www.acbcard.com.vn/sanpham/00000005AFhttp://www.acbcard.com.vn/sanpham/00000005ADhttp://www.acbcard.com.vn/sanpham/00000005AC


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Th thanh ton quc t ACB Visa Prepaid/MasterCard Dynamic (19/05/10)Th tn dng ni a (04/12/09)

Th ATM2+ Nng ng snh bc cng bn. (14/10/09)

ACB pht hnh th ATM2+Ngy 24/8, c s chp nhn ca Ngn hng Nh nc Vit Nam (Chi nhnhTP.HCM), Ngn hng ACB chnh thc a th ATM2+ v h thng gn 100 my

ATM hin i tham gia th trng th ngn hng trn ton quc.ATM2+ l th kt ni trc tip vi ti khon tin gi thanh ton, l sn phm th kt hpvi thng hiu VISA. Bn cnh tin ch c chp nhn thanh ton ti hng ngn i lchp nhn thanh ton th VISA, ch th cn c th dng th ATM2+ rt tin ti tt c ccmy ATM ca ACB v cc my ATM mang thng hiu VISA ti Vit Nam.Dch v ny thch hp cho khch hng c ti khon tin gi thanh ton v cc doanhnghip c nhu cu chi tr lng qua ti khon tin gi thanh ton ti ACB, cc c nhn cnhu cu s dng th cho cc hot ng chuyn khon, thanh ton, rt tin T ngy24/8 - 31/12/2007, ACB s min ph pht hnh th v ph thng nin nm u tin cho

khch hng.

TP.HCM ngy 7 thng 10 nm 2008 Ngn hng Chu (ACB), ngn hng thng mihng u Vit Nam, v JCB International (JCBI), chi nhnh quc t ca JCB, chnh thccng b: ACB bt u trin khai mng li chp nhn th v ang pht trin thm n v


36
http://www.acbcard.com.vn/sanpham/00000005A9http://www.acbcard.com.vn/sanpham/000000055Dhttp://www.acbcard.com.vn/sanpham/0000000518http://vatgia.com/hoidap/quicksearch.php?keyword=ng%C3%A2n+h%C3%A0nghttp://www.vatgia.com/hoidap/quicksearch.php?keyword=hi%E1%BB%87n+%C4%91%E1%BA%A1ihttp://vatgia.com/hoidap/quicksearch.php?keyword=th%C3%ADch+h%E1%BB%A3phttp://vatgia.com/hoidap/quicksearch.php?keyword=mi%E1%BB%85n+ph%C3%ADhttp://www.acbcard.com.vn/sanpham/00000005A9http://www.acbcard.com.vn/sanpham/000000055Dhttp://www.acbcard.com.vn/sanpham/0000000518http://vatgia.com/hoidap/quicksearch.php?keyword=ng%C3%A2n+h%C3%A0nghttp://www.vatgia.com/hoidap/quicksearch.php?keyword=hi%E1%BB%87n+%C4%91%E1%BA%A1ihttp://vatgia.com/hoidap/quicksearch.php?keyword=th%C3%ADch+h%E1%BB%A3phttp://vatgia.com/hoidap/quicksearch.php?keyword=mi%E1%BB%85n+ph%C3%AD


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chp nhn thanh ton th JCB. ACB d kin hp tc vi khong 4.000 n v chp nhnthanh ton th JCB tnh n cui thng 1 nm 2009. Tha thun ny s gia tng ng ktin ch cho cc ch th JCB khi du lch ti Vit Nam.

5. nh gi v hot ng pht hnh, thanh ton th ca Ngn hng ACB:

Chng III. Mt s gii php nhm m rng v hon thinthanh ton th ti Ngn hng TMCP Chu:

I. nh hng pht trin Ngn hng v th thanh ton:

1.nh hng pht trin hot ng kinh doanh ca ACB:

C s cho vic xy dng chin lc hot ng qua cc nm l: Tng trng cao bng cch to nn s khc bit trn c s hiu bit nhu cu khch

hng v hng ti khch hng. Xy dng h thng qun l ri ro ng b, hiu qu v chuyn nghip m bo

cho s tng trng c bn vng. Duy tr tnh trng ti chnh mc an ton cao, ti u ha vic s dng vn c

ng (ROE mc tiu l 30%) xy dng ACB tr thnh mt nh ch ti chnhvng mnh, c kh nng vt qua mi thch thc trong mi trng kinh doanh cn

cha hon ho ca ngnh ngn hng Vit Nam. C chin lc chun b ngun nhn lc v o to lc lng nhn vin chuyn

nghip nhm m bo qu trnh vn hnh ca h thng lin tc, thng sut v hiuqu. Xy dng Vn ha ACB tr thnh yu t tinh thn gn kt ton h thngmt cch xuyn sut. ACB ang tng bc thc hin chin lc tng trng ngangv a dng ha.

Chin Lc Tng Trng Ngang: Th Hin 3 Hnh Thc:1. Tng trng thng qua m rng hot ng: hin nay trn phm vi ton quc,

ACB ang tch cc pht trin mng li knh phn phi ti th trng mc

tiu, khu vc thnh th Vit Nam, ng thi nghin cu v pht trin cc snphm dch v ngn hng mi cung cp cho th trng ang c v thtrng mi trong tnh hnh yu cu ca khch hng ngy cng tinh t v

phc tp. Ngoi ra, khi iu kin cho php, ACB s m vn phng i dinti Hoa K.


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2. Tng trng thng qua hp tc, lin minh vi cc i tc chin lc: hinnay, ACB xy dng c mi quan h vi cc nh ch ti chnh khc, vd nh cc t chc th quc t (Visa, Master Card), cc cng ty bo him(Prudential, AIA, Bo Vit, Bo Long), chuyn tin Western Union, ccngn hng bn (Banknet), cc i l chp nhn th, i l chi tr kiu hi,v.v thc hin mc tiu tng trng, ACB ang quan h hp tc vi ccnh ch ti chnh v doanh nghip khc cng nghin cu pht trin ccsn phm ti chnh mi v u vit cho khch hng mc tiu, m rng hthng knh phn phi a dng. c bit, ACB c mt i tc chin lcl Ngn hng Standard Chartered, mt ngn hng ni ting v cc sn phmca ngn hng bn l. ACB ang n lc tham kho kinh nghim, k nngchuyn mn cng nh cng ngh ca cc i tc nng cao nng lc cnhtranh ca mnh cho qu trnh hi nhp.

3. Tng trng thng qua hp nht v sp nhp: ACB thc l cn phi xydng nng lc tip nhn i vi loi tng trng khng c hc ny v thchin chin lc hp nht v sp nhp khi iu kin cho php.

Chin Lc a Dng Ha- a dng ha l mt chin lc tng trng khc m ACB quan tm thc hin, ACB c Cng ty chng khon (ACBS), Cng ty Qun l n v khai thc ti sn (ACBA), angchun b thnh lp Cng ty Cho thu ti chnh v Cng ty Qun l qu. Vi v th cnh

tranh c thit lp kh vng chc trn th trng, trong thi gian sp ti, ACB c thxem xt thc hin chin lc a dng ha tp trung tng bc tr thnh nh cung cpdch v ti chnh ton din thng qua cc hot ng sau y:

- Cung cp v tng cng quan h hp tc vi cc cng ty bo him phi hp cungcp cc gii php ti chnh cho khch hng.

Nghin cu thnh lp cng ty th (pht trin t trung tm th hin nay), cng ty ti trmua xe- Nghin cu kh nng thc hin hot ng dch v ngn hng u t.Tuy ACB khng nh c mnh nhng lun nhn thc rng thch thc vn cn pha

trc v phi n lc rt nhiu, y nhanh hn na vic thc hin cc chng trnh trgip k thut, cc d n nng cao nng lc hot ng, hng n p dng cc chun mcv thng l quc t c kh nng cnh tranh v hi nhp khu vc thnh cng. Do vy,t nm 2005, ACB bt u cng cc c ng chin lc xy dng li chin lc mi. l chng trnh Chin lc 5 nm (2006-2011) v tm nhn 2015.


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2. nh hng pht trin thanh ton th ca Ngn hng TMCP Chutrong thi gian ti;

Pht trin th thanh ton ni a:

Th tn dng ni a cung cp phng tin thanh ton hin i, an ton cho ngi tiudng do khng phi mang theo mt lng ln tin mt khi i muasm, gii tr, du lch,cng tc... v i ph vi ri ro b mt tin. Khi mt th th vn gi c tin nu thng

bo kp thi cho Trung tm th ACB. Ngoi ra, trn th cn c nh v ch k ca ch th phng khi mt th ngi khc cng khng s dng c. ng thi y cng thc sl phng tin thanh ton em li hiu qu kinh t nht nh cho ngi tiu dng, dongn hng s chi tr thay ch th ngay khi thc hin giao dch thanh ton ti cc l

bn hng ha, dch v, sau hng thng ch th mi thanh ton li cho ngn hng cc

khon chi tiu ca mnh, nh vy mc nhin ngi s dng th c ngn hng chovay min li mt thi gian nht nh khong t 16 n 45 ngy ty thi im thanh ton.

Nu n hn thanh ton, ch th vn cha c iu kin v nhu cu thanh ton cho ngnhng, cc khon chi tiu s chuyn thnh khon tn dng vi mc li sut 0,04%/ngy.D kin trong t pht hnh th u tin, Trung tm th s pht hnh khong 1.000 th,ch yu l cho cc ch th quc t hin ti ca Trung tm th v mt s i tng khc.Sau , chng trnh s c qung b rng ri n cc i tng c cp th tn chp(min k qu). l cc i tng: Lnh o cc c quan, cng ty, x nghip, doanhnghip, cc bc s, gio s i hc, gio vin cn b cng nhn vin c thu nhp n nh,

c ti khon lng ti ACB, cc c nhn ang c quan h tn dng vi ACB, c ti snm bo, cc i tng ang c cho vay tn chp theo chng trnh cho vay tiu dng10 triu ng ti ACB... Cn cc i tng khc nu c nhu cu s dng th tn dng nia c th m s tit kim hoc ti khon. Trong thi gian s dng th, s d s tit kimhoc ti khon vn c hng li bnh thng.

Tng knh tiu th, pht trin thng hiu:


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Ngn hng Thng mi Chu (ACB) v Cng ty ng Hng cng b chng trnhhp tc pht hnh th Visa Electron. Chng trnh hp tc ny khng ch mang li chcho ngi s dng th mua hng, m cn to ra hiu qu kinh t cho t chc tn dngACB v h thng bn l Citimart ca Cng ty ng Hng. Vi th Visa Electron, ngitiu dng mua hng ti cc siu th ca Citimart s c ACB thanh ton h (tt nhin,ngi tiu dng phi ng tin trc c cp th). Ci li ca ngi tiu dng khi sdng dch v ny l mua hng khng cn mang theo tin, thm vo h c gim 3%trn tng gi tr ha n mua hng. Cn i vi ACB v Citimart, thng qua chngtrnh hp tc cng nhau bn hng, h c thm nhiu khch hng mi.Lin kt tiu th:ACB v Standard Chartered lin kt ATM, hp tc pht hnh th tn dngKhch hng ca hai ngn hng ny c th s dng min ph hn 270 my ATM trongmng li hp tc, ACB cng s pht hnh th tn dng cho khch hng ca StandardChartered.

II. Nhng thun li v kh khn

1.Thun li:

Mng li knh phn phi: Gm 80 chi nhnh v phng giao dch ti nhng vngkinh t pht trin trn ton quc.

L thnh vin ca cc t chc th quc t: Visa, MasterCard. Th thanh ton ng thng hiu: Saigontourist; Saigon Co-op; Mai Linh Taxi;

HSBC; Vera; VDC; Vietravel; Citimart. Bo him nhn th qua ngn hng: Prudential, AIA. Xp hng Tn nhim Quc t:Bt u t nm 2001, Fitch (t chc nh gi xp

hng quc t) c nh gi xp hng tn nhim ACB. Thng 4/2004, Fitch nhgi tiu ch nng lc bn thn ca ACB l D, v xp hng theo tiu ch h tr t

bn ngoi l 5T. Cc gii thng quc t:Ngn hng tt nht Vit Nam 2006; Ngn hng bn l

xut sc nht Vit Nam 2006; Thng hiu ni ting ti Vit Nam 2006; Sn phmdch v xut sc lnh vc ti chnh ngn hng 2006; Ngn hng tt nht Vit Nam

2005;..v.v

2.Kh khn:

Gnh nng t v chip:Cc t chc pht hnh th th gii nh Master, Visa Card ngh, bt u nm 2006cc ngn hng phi chuyn i h thng theo chun EMV trn th m bo tnh bo


40
http://www.vnn.vn/kinhte/2004/10/266172/http://www.vnn.vn/kinhte/2004/10/266172/


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mt, tc phi chuyn th t sang th chip. Cc t chc ny khuyn co, nu sau giai onny m cc ngn hng khng chuyn i xong, h s khng phi chu trch nhim chonhng ri ro xy ra i vi th t nh b hacker, iu m trc y h phi gnh thay cho

NH.ng L V K, Ph Tng gim c ACB v l Gim c khi cng ngh thng tin ACB,cho rng ngoi chi ph, th cng ngh cng l mt trong nhng vn ca vic chuyni. Vic tch hp thng tin t th t sang th chip, li phi m bo tnh kt ni canhng ngn hng lin kt vi nhau, i hi gii php k thut cao v chi ph cho k thutny cng khng nh.

III. Mt s gii php nhm m rng v hon thin thanh ton th ti Ngnhng TMCP Chu:

1. Gii php v m:1.1. i vi Ngn hng Nh nc:

1. Ngn hng Nh nc nn khuyn khch cc ngn hng thng mi trch mt phnvn iu l ang c Chnh ph xem xt tng cho ngn hng thng mi qucdoanh u t vo mng li thanh ton th.

2. Tng cng ty Bu chnh Vin thng cn u t xy dng v gim chi ph thu baong truyn thanh ton trc tuyn cho cc ca hng.

3. Chnh ph nn c quy nh bt buc cc c s bn hng, dch v c s vn ln,

nh cc siu th, phi trang b thit b thanh ton th. Xt trn kha cnh ti chnhchng tht thu thu, y c th l gii php rt hiu qu.

4. Trc mt pha ti chnh nn min khon thu thu nhp t hot ng kinh doanhthanh ton cho cc ngn hng thng mi.

5. Ngn hng Nh nc khng nn ch cho ngn hng thng mi quc doanh cquyn kinh doanh hot ng thanh ton th. Theo kinh nghim in hnh ca NhtBn, Cng ty Dch v Tit kim ca Tng cng ty Bu chnh Vin thng Vit Namc rt nhiu iu kin thun li pht trin thanh ton th Vit Nam.

1.2. i vi Ngn hng ACB:

Cn c mt i ng pht trin th thu thp thng tin th trng, tm hiu cc nhu cuca khch hng hon thin sn phm hin c, nghin cu pht trin thm cc sn phmmi. Bn cnh , nghin cu v tm l khch hng, thu nhp, thi quen, s u tin trongtiu dng, d bo nhng thay i trong nhu cu theo s thay i ca thu nhp, tui, gii,


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a v phc v khch hng tt hn. Nghin cu thng tin v sn phm ca i thcnh tranh nhm a ra nhng chin lc hp l.- Hon thin quy nh v quy trnh nghip v, t tiu chun cht lng.- Xy dng ngun nhn lc p ng yu cu cng ngy cng kht khe ca khch hng- Tng cng qung b sn phm, tin hnh cc t gim gi khuyn mi thu ht cc i

tng s dng th.- Ngn hng cng nn c chnh sch khuyn mi vi nhng khch hng thng xuyn

giao dch v c s d bnh qun trn ti khon tin gi n nh mc nht nh.- Cng c h tng k thut v cng ngh cung cp dch v ngn hng- Ch ng tham gia hi nhp v thc thi nhng thng l khu vc v th gii

IV. Mt s kin ngh:

1. i vi chnh ph:

- Nh nc cn p dng cc bin php mnh, c quy nh c th i vi t chc v cnhn c php thanh ton bng tin mt vi mc tin c th, ph hp vi tnh hnh

pht trin chung ca nn kinh t. V d, hin nay nn quy nh i vi c nhn, thanhton di 5 triu ng, i vi t chc di 10 triu ng c s dng tin mt, trnmc phi thanh ton KDTM. ng thi phi x l nghim nhng trng hp vi

phm.

- Nn khuyn khch cc ngn hng thng mi trch mt phn vn iu l ang cChnh ph xem xt tng cho ngn hng thng mi quc doanh u t vo mngli thanh ton th.

- Chnh ph nn c quy nh bt buc cc c s bn hng, dch v c s vn ln,nh cc siu th, phi trang b thit b thanh ton th. Xt trn kha cnh ti chnhchng tht thu thu, y c th l gii php rt hiu qu.

- Trc mt pha ti chnh nn min khon thu thu nhp t hot ng kinh doanhthanh ton cho cc ngn hng thng mi.

- Tng cng ty Bu chnh Vin thng cn u t xy dng v gim chi ph thu baong truyn thanh ton trc tuyn cho cc ca hng.

2. i vi Ngn hng Nh nc:


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- Ngn hng Nh nc nn khuyn khch cc ngn hng thng mi trch mtphn vn iu l ang c Chnh ph xem xt tng cho ngn hng thng

mi quc doanh u t vo mng li thanh ton th.

- Ngn hng Nh nc khng nn ch cho ngn hng thng mi qucdoanh c quyn kinh doanh hot ng thanh ton th. Theo kinh nghimin hnh ca Nht Bn, Cng ty Dch v Tit kim ca Tng cng ty Buchnh Vin thng Vit Nam c rt nhiu iu kin thun li pht trinthanh ton th Vit Nam.

- Ngn hng Nh nc cn tip tc hon thin c s php l lin quan nhot ng thanh ton, ngay t vic sa i, b sung Lut Ngn hng Nhnc v Lut cc t chc tn dng cng c v th php l ca Ngn hng

Nh nc trong vic kim sot hot ng thanh ton khng dng tin mt;ng thi hon thin cc vn bn di Lut lin quan n cc phng tin,hnh thc thanh ton hin i m bo tnh n nh, an ton v hiu quca h thng thanh ton. Khung php l r rng, minh bch v s gim sthp l ca Ngn hng Nh nc i vi h thng ngn hng cng l mt yut quan trng trong vic tng cng lng tin ca ngi s dng v giidoanh nghip vo h thng thanh ton quc gia.

3. i vi ACB:

- Pht trin mng li ca mnh,

- Pht trin cc dch v mi da trn cng ngh.

- Pht trin cc nhnh dch v, c bit l cc knh phn phi

- Ch trng th trng c v quan tm thc s ti th trng mi trong bi cnh cnhtranh mnh

- La chn cc sn phm li ca mnh


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- a dng hn cc sn phm ny khng ch danh mc chung m cn l cc sn phm c

th

- Th trng: Xc nh th trng tim nng l khi dn doanh - ngoi quc doanh, trong

tp trung vo cc doanh nghip nh v va (k c cc cng ty c phn, cng ty

TNHH).

Ngoi ra, khch hng c nhn l khch hng to ln v lu di ca th trng th. Ch

ti khch hng tr tim nng trong tui 21-29 (65% dn s Vit Nam c tui di

30) v tnh nng ng trong tip cn sn phm v tnh sn sng s dng DVNH

- Ch trng n vn bo mt v an ton cho khch hng s dung th.

Kt lun:

Nn kinh t Vit Nam ang tng bc ha nhp vo nn kinh t th gii. Vic pht

trin thanh ton khng dng tin mt ni chung, bng th thanh ton ni ring lmt bc quan trng trong vic xy dng mt nn vn minh tin t, ph hp vi xu

hng chung ca th gii. Th thanh ton c vai tr quan trng v nhng li ch

khng th ph nhn. Hin nay, th thanh ton vn cn tim nng pht trin rt ln

trong nc v trn th gii. Vic pht trin dch v th c ngha ngy cng to ln

trong chin lc pht trin thi k mi ca cc ngn hng Vit Nam ni chung v

ngn hng TMCP Chu ACB ni ring.

Trn c s mc ch, i tng nghin cu c xc nh, vi ni dung Gii

php pht trin th thanh ton ti Ngn Hng TMCP Chu ACB, tiu lun

tp trung gii quyt c nhng vn c bn sau:

1) Ti lun nghin cu nhng vn l lun c bn v th thanh ton.


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Trong , ti tiu lun cng nu r tm quan trng, ngha th thanh ton,

nhng li ch to ln ca vic s dng th thanh ton em li khng ch cho

ngi s dng, cho ngn hng m cho c nn kinh t.

2) Bng phng php tip cn thc t, thu thp thng tin, phn tch, nh gi,

lun vn nu r c thc trng hot ng kinh doanh th ca ngn hng

TMCP Chu ACB trong nhng nm va qua c nhng bc pht trin mnh

m vi nhiu kt qu ng khch l.

3) Tuy nhin, bn cnh nhng thnh tu t c th qu trnh pht trin th

thanh ton ti ngn hng TMCP Chu ACB cn bc l nhiu kh khn,tn ti cn khc phc nh phm vi s dng th c n hn ch, tin ch th

cha nhiuT lun vn cng xc nh r nhng nguyn nhn dn n

hn ch trong vic pht trin th thanh ton, gm nguyn nhn xut pht t

chnh ngn hng, nguyn nhn t pha ngi s dng th v cc yu t php

l tc ng.

4) T nhng kt qu phn tch v mt l lun chng 1 v thc tin

chng 2, lun vn xut nhng gii php nhm khc phc nhng tn

ti, cng nh a ra cc gii php pht trin th thanh ton ca ngn hng

TMCP Chu trong tng lai. Cc gii php a ra ht sc cn thit.

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