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Ahb }zhk a kch }khk }l }z hb l ka Olhk } T~a Mh
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F L ADECDH
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F ]k Pk hb Flh
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MDHK EA AA AK YL] ] ]
AHK Ahb hbkl p kcMH Mcdhk hbkl p
MH [HO Mcdhk hbkl p {~} hk p ok~
IML Yh ~ }}z a }l p h a hbcl % Icznlbh Mlzna} Lhynq}enh}BMP ] hb qh pke T~ a hl % Bzcqq Mcenq}la Pzcm~a}
LAA Pkhb ]k hb e l T~a } % Lh}nzhd}lchdf Akdejnz ci Aceenzaldf
KK Klh l kcO] Olhk }
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O]T] Olhk } t~a }
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HQF Hhb q~} fdc hb HQF[K H hb q~} fdc hb { k l
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CMD Yh }l }z akhk }ka pk} }zlh % Ciilaldf Mnynfcpenh}Dqqlq}dhan
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MDHK EA AHB ]ZHK AD ]A BL
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9/190
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e l
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khb }k hb e l Yl} Hde:(1( hk bl }ka }z hb kl~ t~ kc}hb }kdhk }ch t~ a }ad
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khb }k hb e l Yl} Hde1(:( hk k hb hhb adc kl ~ t~ kc} hb }kdhk }ch t~ a }ad
hbh khb }k hb e l Yl} Hde1(1( T~dh le d zd aa bll pkp hhb adc kl ~ t~ kc}hb
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% 4 %
PKH E ^
4( ]hk ap }kl} ad }l
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l y l aa HK]EYH& }zchb HK]EHH f e} ok~ ya f h& bl ydl }z akl pkl& }k kc}hb ]]T] dhb }z }khk e} f hk ya e l hkh pka yhh olhk }}zchb }k l o kl hk p ya jl} fhhb adc hhb faahk }zdhk ad HK]E(
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hk p ahb hb hbh khb t~a }y d fl hkhb f l ak }c f h akc hbhkhb( ]~| hklh& kc}hb ]]T] a d HK]EYH klh hd| ahb dhb ja f hkl~ j} a p&a jl} f }hk dh }ch& kl~ t~}k p& ~| }h }zchb ahb hbt~a }akd } hb {hb y l }le h hb y echb e~h(
bp pkh }e ole bll pkp akc aa yh }zh& f~h h fdakh }l~7 Hhb adc kl ~ t~ kc} hb }kdhk }ch t~ a } ad aa
Hbh khb }k hb e l Yl } Hde (:( ] hb t~dh y}hk khk hbklh a ~ }l
Flh t~dh h }l Hhb adc kl~ t~ kc} hb ]]T] a d HK]EYH a e} qF~h h }lh q kd| hkhb ahb }zhk hbklh a~okcd ka a ahb jm l mhb }l okcd ka a p J& hbhk y ylahbklh a~ h| a }l p ah hkhb bay pke yl oka hkd~( Hkhbo } t~hbklh a~ aa ahb }zhk h| ahb pkh hc a aa HK]EYHp mhb }zchb yla hhb adc kl~ t~kc}hb ]T]] a d HK]E }zchb }lh
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% : %
}zhk kl hk p( A }ko h e} yl ahb }zhk hbklh a~ }l~ jl~ }zchbf hk ya ]T]] }k l bldh t~d f7 Hbklh a~ yyh z l zc ad }a bl Hb~|h ]kPk hb Fdh+4U % }a bl }zhk j| e} aak }hb t~dh
yhkhb mhb z l zc e aa HK]E a }kb p pkl }zchb t~ }zhk kc}hbad ehk& } }a bl {~} e} qbll pkp hke k h akj } hkhbz l zc ad hbh khb }zchbl~ olh hh olhk }}k}z hb? Hbklh a~ }hb}k ]]T] a d }a blFl Hba T~+:000, _44U % }a bl }zhk j| e}aak }hb t~dh yhkhb hbkl p y]]T]& hkhb }h }l }zchb kc} hb]]T] a d aa HK]EYH& } d zd hkhb bll pkp hke kch }klh aa
hbkl p y]]T] a d k}khb HK]EYH? Hbklh a~ el }z hb pkp f~}}zchb ]]T] ad PBQ(]Q] } Hba y e} hke }a bl+:00=, _
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19/190
% 1 %
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1( Ea ak hbklh a ~ % Fe z }ke f f~h a jh ykl~ t~olhk }ad f hk ya ]]T]& a jl}}zchb }k l o }ch a~ kc y kl hk p t~a }(%hk bl }ka }z hb kc}hb ]]T] a d aa HK]EHH Yl} Hde }zchb}k l o kl hk p t~a }y pk} }zlh ad hh olhk }Yl} Hde(%{~} aa bll pkphk k hb hke hhb adc kl~ t~kc}hb ]]T]
ad aa HK]EYH }k l bldh } l(=( l } hb y pke yl hbklh a ~ % l } hb hbklh a ~7 Hbklh a~ kl~ t~ kc} hb ]]T] a d aa HK]E% Pke yl hbklh a ~7 F~h h } p }z~hb hbklh a~ hkhb yh flh t~dhad jh HK]E f h hk} Yl} Hde f7 HK~ }y pk} }zlh Yl} Hde&
HK Hbcl }k hb Yl} Hde& HK Ahb }k hb Yl} Hde& HK Hhb hbkl py pk} }zlh hhb }kh Yl} Hde(%E a }k l bldh hbklh a ~7 ]he :004 h he :002(>( Pk hb pkp hbklh a ~
F~h h qmhb aa pk hb pkp hbklh a~ okcd ka pkjlh&a jl} f o } k p pk hb pkphk f hb y pk hb pkphk }hk }zchbhbklh a~ f f~h ahb hk}zchbhk bl }ka }lh y{~} bll pkp( ] m~|a f p }zchb yh mhb aa t~dhle pk} }zlh olhk }ad Yl} Hde& y}l p ah aa }z hb pkl f }k~|} }h a lh y aa o } t~hbklh a~ adaa }a blf~h h y}l hbklh a~ Yl} Hde(9( Hk hb hb bp e l ad F~h h%Y e } f f~h7 F~h h }ka klh ydl }za f p ad ehk }zchb }l p ah& k }khb kc& bp pkh fe z }ke hkhb yh a jh yf hk ya kc}hb
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% = %
t~a }ad HK]E f ]]T]( ]zchb a jl} ak }z hb fe z }l~ akhk bl kl~ t~kc}hb ]]T] y pk hb mlh hk f hb yhk }hk(% Y e } hbklh a ~ }k a }l h7 ]zh a q pkh }ak }ka }z hb kc} hb
]]T] a d HK]EYH }k l bldh t~d& f~h h akzd z hb ea m } a hkhb o } t~hk}hk& qchb hkhb e} kh akahb okhb pkl f }y blhk aklh }khb }zchb a~a ahk }zdhk oka fl} okl Yl} Hde akhk }ka }z }khk }khk ylh ad R]C }k okhb ah ach hb hc okaf aa HK]EYH pkl ak }z hb } l yla hhb adc kl~ t~kc}hb ]]T]ad HK ehk(
%Y }hk hb m hb ad }l hbklh a ~ yc }k a }l h7}l }hb o }kc}hb }ka }lh&d zd hkhb pkh }ak& hkh hk }hb t~} yhkhb}khk ahb& }le h hb& {~ }kpk} }zlh kc} hb ]]T] a d HK]EYH&hb }k l fe z hkhb }h }l& kh ak& j} a p y hb~|h hkhhk k hb(] a q h| a }k}c a kl }k~h f l akc yla yh mhb yc }ka }lh adaa HK]EYH y bp pkh jq~hb a q f f~h }zchb kc}hb hbklh a~
klh }l aa HK]EYH(]zchb t~ }zhk hbklh a~ }l h|& }a blahb b p pkl e} q
hkhb }k~h f l ahb hkok okh hk}hk f7/ ]k~ h f l7 ]a blf hb l fe yla f~ he }zchb f hk ya HK& hh al~ olh }e kl~ e} aak q~ qa y o ahb yaa e} kc}hb ad HKhl ak~hb& ykc} hb ]]T] a d HK hl zlhb&} a }k d zdhkhb hbklh a~ y olh hbk}kl} }ka l y l aa HK]E(/ Ok ok h7 f yla }k~ }k p qfl~ } aa HK]E& j l y kc} hb]]T] f kc }hb k} qa e l e l y l aa HK]EYH +}z HKH]YHa kc}hb ]]T] } f~& ah aa HK]E oka aka kc}hb ]]T] } qd~ he 4
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
21/190
% > %
]h f~h h7 Hhb adc kl ~ t~ kc} hb }kdhk }ch t~ a } adaa Hbh khb }k hb e l Yl } Hde (
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Hbh khb }k hb el Yl} Hde(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
22/190
% 9 %
AK HB 4HK HB YH A JH YKL ^ T^ KC] HB
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}kc}k~h yakhb fcl& qf hb& ak} f hb khb kd }zchb e} bldc make~d y jh hb }k l( ]lh }ke e} ea& e l a HK {~} klh fe }z~hbbldh& ak~|h kc fcl }lh h| qdhb fcl }lh oka&l mlh akc jh e~d }kdhk}ch akc jh jh(
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}k hb mc yla e~d jh khb kd {| zd bld aa jh he kdl t~a bldoka hkd~( Q pka } p }zchb hbcl }k hb pk} qlhk okhb pkl akyl~& e ah j l y aa jh e~d jh qhb aa t~a bld oka hkd~& ak~ qakl
pkl ad f~} pkp oka hkd~& aal~ olh }k hb el y e~ mak okahkd~( f akd o h yla }kdhk }ch ah pk}k~a yc }klh ak ad aa jh& }a f flh t~dhh al bl f z l zcc a(
Akhk y y| e }zchb }ka klh bldc mak hbcl }k hb& hb l [O a }k b p z l zc hkbldc khb e okhb a }kdhk }ch kca }kdhk }ch ake mchb~|h hkh okak t~dh hk ak akhk }z { kl ad h a jh old }kd|
l& b p }klh }dl j} okokhb }zh hb yh ak~|h& hb~|h hkh ak t~dh hk jfd fa mc okhb }e kl~ okak khb& mc k p hb hbcl }k hbt~| hk okhb ak} ak& z zhb( Hb a fl hb l HO ahb a }k}kdhk }ch}lh z l e okhb hkh a khb kd& kca hkh a khb kd okhbhbt~| aak& pke ak}& qf hb hk}zchb k p hb& kca hkh khb ake& j f a kl olhk mcdhk mc bl ajlh hb( Okl aa jh }kde bld e~d % jh z l
yc kch ahk pka } p hk y|& k ~ }e aak ak p hkh e} a ak ak~|h l yd }k~h }lh& yd dh }ch yhb }lh a| akc akdl jh( Mc& HK }k hb a akh fe jh }kjd a f p fe }z~hb bldh }kdhk }ch& a}k e j c t~| h f l ad aa jh&hb }k l }c l~ olh akc t~ }zhk }zdcl&phb hb~|h yhb ad akdl jh( HK]E f e} }z~hb bldh }l akhkak~|h hbkl p& y l jm| olhk hbkle& a okhhb }l akhk}l }z akcahb l e~d y hb l jh jhb hb~h yh } a yl k~| hb& a ehbf l y t~dh kz hb ok p& a hbcl }}zh }l okch HCQ]ZC +}l okch}lh bl jhb hbcl }}l HK h a hbcl,& a ahb hbko }k~} }lh }lh jahk} q mhb }zchb }kdhk }ch( HK a }k }lh khk ]]T] hkdhk akhb&}k~h }lh& akhk {a hk}&e j c t~| h f l akc aa jh(
+:, Kc } hb ]]T] pk} }zl h } c l ~ ol h akc HK]E } hb ok hhb mcdhk }k~ y f l hk~ h(
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Okl okak khbh y l HK hb| ahb hkl~& }k f l ak ad HK q hb| ahb }hb( Okhb hkhb mcdhk }k~ ad HK }hb fh e} aakhb o hk hkhb okch }k~ pk mc a~hb a p hkl~ k h aa mak yakc okak khb&
e ah k}z }ke akc aa kc}hb oka ad HK pk} }zlh( HK al~olh }hb }ke hb~h yh k~| hb& }c l~ olh e z hb t~| e }hmhb&a jl} f }hb a hb~h yh hbcl }mc }e }k l t~h f a yhhkh z l ad aa MH a t~dh k}kdhk }ch t~d HK(
]zchb t~ }zhk }kde bld aa kc}hb ]]T]& okak khb ah pk}qlhk hkl~ hk~ a~ mak yoka ad HK hk7 }l }z aa k p hb [HO& jc
fhk }kdhk }ch }ka klh k p hb& e~d jh hbcl } }khb t~d blpakc HK pk} }zlh a aa hbkl p yolhk mcdhk hbcl }& jc fhk y aamak yt~a }oka(
Kc}hb ]]T] blp hhb adc kl~ t~kc}hb ad HK( Hk kc}hb ]]T]& HK }k~ a pk mak yak~|h }lh& pk }kdhk }ch& pk jcfhk| f e} fcl pk bp pkh okhb hkyc mcdhk }k~ y f l hk~h
ad HK( Ahb mc ]]T] hb ydl }z jq~hb y k}z akc aa e} kc}hboka hh h blh }l p }c zd f l hk~h }aa e} kc}hb h|(
+1, Kc } hb ]]T] pk} }zl h } c l ~ ol h akc HK pkh }h j } z l zc(
Olhk mcdhk HK f e} f hk ya olhk mcdhk hkl~ z l zc hk}(a jl}f }zchb jl ahk klh hd|& okl e hh O] }kbl l f~h a hkl~ jlh hb&aa }k ch fd c hb| ahb }lhk yl }k z l zc e HK pkl bhk ak~ hb|ahb hkl~ hk7 z l zc }h mhb& z l zc fl q~}& z l zc kl cl& z l zc }kdhkokch& z l zc ahb hbky kc}hb& z l zc T~a bld((( Y l yla d mhb kcaa f hk ya olhk mcdhk y mak yf e} pk hb qak kl~ t~hk}pkh}h z l zc }zchb olhk mcdhk HK( F l hk~h }k~ a }aa kc}hb ]]T]qk}z akc HK okl }k}z hb jlh hb blp akc HK blyhb q h hk(
]]T] blp } hb a hb okhhb ahk }zdhk ad HK( F hk ya olhkmcdhk [HO yh h akd hkl~ z l zc hhl kl ]]T] pk l }ka klh }
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ok~ }k~ hkh y { f }khb }lhh ok~ pkh kl }khb }lh( phb a |~ a~ aa HK pkl l e l ahb hbkHK& }aka }} ok~ ]]T]} }zdhb jo }k~} h c }c ak~|h ylh blp akc t~ }zhk }ka klh
hbkl p y a dh }ch& kl~ t~( hb }k l }zchb el }z hb ahk }zdhk b|b}& aa HK ahb f~h t~dh }eh aa |~ }bl a+pk mak y, fla~h okak khb(
+=, Kc} hb ]]T] pk} }zl h q bp pk h e z hb t~| e ye hb f l HK(
Kc} hb ]]T] blp akc HK p hb }} k h hk~ a~ ad okak
khb& }zh a q hhb adc ~| }h ad ehk }zh }z hb t~a }( E} hbkl pyh| okhb ak h }k~h fe yla y l aa akhb }kd| pk} aa fhk l}lh y ak~|h }lh e ah }kklh hbk d yy }zak hkle ad HK }zchbyla ayh akc okak khb f p jakhb }kch kc(
Kc}hb ]]T] blp akc kc}hb ad HK y } zd okl pke ylt~a bld& kc hk p y l aa HK }zh }kbl l& hhb adc ~| }h ad HK }zh
}z hb t~a }& }zh a q pk} }zlh aa t~dh k l f& okdl }ka a aahb~h yh }l }z ad aa HK h a hbcl y hb~h yh }zh }k}z hb }lakhk }kbl l hke phb }} k h hk~ a~ yh pk} }zlh O] [K(4(4(=( Aa pk hb }k a }kdhk }ch t~a }ak| ~ _1&=&49U
Pk hb }ka ]]T] f }ch j t~ }zhk& aak }ka hkh }z }lh khb}zchb bldc mak e~d jh hbcl }k hb bld hb l HO y hb l [O( Klh hd|}zchb t~dh khbcl }k hb a z } hkl~ pk hb }ka }kdhk }ch oka hkd~ a p mhb hk7 ak~|h }lh& bkl q& hk }k~& }h mhb akhb } el pk hb }ka ~ a f l }kakc e} jh y okhhb z l zc edhb fl akc l}a& j l y| pkl a q e pkh }z a okll h }kc}k~h ad aa jh(
+4, Pk hb }k a }z }z a +Dmydhan pd|enh},Pk hb }ka }kdhk }ch }z }z a f pk hb }ka e hb l e~d }z }lh
}z a okl hb l jh bldc khb( A }kqmhb qa& kl pkl~ HK kd| ak~|h}lh jhb lh }ka klh yla }z }lh(
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Pk hb }ka }z }z a f pk hb }ka e j c akc hk [O hk} y k qhkh a }lh }kdhk }ch }z a okl bldc khb kca okl khbh& pk hb}ka h| ahb akc pkp hk [O }zhk a yla akh yh ad ehk(
Pk hb }ka }z }z a a mhb okl a q e }h hk yakhk }z yO] h a HO kca okl okhhb }kdhk }ch ad hb l e~d jhbkl hb (Pk hb }kahb }lh }z a a } z l zc y z } }lh f l akc hk [O& hkhb hokhb a pkjlh y qmhb z hb zl }zchb }l }z hbcl }k hb mc j} f ll y l hb l e~d +akhb kh hk7 hb l jh hkh }lh hkhb okhb bldckhb& kd| hb l jh bldc khb okhbe j c hb qf hb y ak} f hb,(
Pk hb }ka }z }z a }k hb a mhb }zchb }kdhk }ch mak y&hb l e~d y hb l jh a el t~dh kfe h }k hb {~|h& f~ ml y }kaq}lh } hb fh hkd~(
+:, Pk hb }k a e }l okc h +cpnh daac~h},F pk hb }ka e hb l jh e e} }l okch +kca e} t~|h q,
bkl h hb l e~d qd~ okl hb l jh kch }khk bldc khb kd| mak y&
h }hb hk o +}khb& t~& hd he, hb l e~d }z }lh akc hb l jh(' a l e a d pk hb }k a h|7% Okhb a q }kde bld ad aa HK y l aka hhb f hb l e }l okch y}ka }kl }kdhk }ch(% Ake }l okch h jlh& okhb e }l okch qchb jlh(% Aka kdl jh }kde bld }kdhk }ch7 hb l jh y hb l e~d(% Qmhb pk hb }ka h| a z l zc akc hb l jh& f hb l jh e } ok hhb ole qc} khb kc ad ehk(' Pk hb }k a h| }k hb a p m hb }zchb aa }z hb k p qd~7% ]k hb mhb akc }kdhk }ch hl d(% Kdl jh e~d& jh pkl }ka q}lh a| fh hkd~(% Mhb akc pk hb }ka e~d jh khb l khb& hkl~ fh& }k hb {~|h}zchb e} }k l o hk}hk +9 }khb& e} he,(% Pk hb }ka h| aka f l akc hb l e~d(
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% Mhb akc }kdhk }ch }lh bl jh khb h a hbcl(% Mhb }zchb }kdhk }ch }lh pkl e~ mak hk7 ]lh a a pk yh }l& }lh pk jc kle& }lh kcd khb }zchb hbkl p yel bl l& ~}ka& }lh fl akc yd| y
~ }(+1, Pk hb }k a ak~| h }l h +Znel}}dhan,Pk hb }ka ak~|h }lh f pk hb }ka e }zchb okak khb
+hb l }z }lh, |~ a~ HK ad ehk ak~|h e} q}lh hk}hk akc e}hb l oka +hb l k hb f l, e}d le hk} hk jhb pk hb }lhak~|h }lh mc okak khb |~ a~( A }kqmhb qa& kl pkl~ HK +jdho
mzdi}, kd| ak~|h }lh jhb lh +}nfnbzdpkla }zdhqinz,}ka klh yla }z }lh( Aa khk }ka }kdhk }ch h| a }k l bldh }ka klh ydh }ch okahkd~ hh akl pk ahb oka hkd~(
+=, Pk hb }k a hk }k~ +Acffna}lch ci pd|enh},Pk hb }ka hk }k~ f e} pk hb }ka }kdhk }ch }zchb hb l
jh kch }khk hbk d ybldc khb kca a~hbhb e} mak yakc okak
khb ~}ka akc HK ad ehk }k~ kq}lh hb l e~d }zh a q kl pkl~ ad hb l jh f p zd(
A kdl fc l hk }k~ f7% Hk }k~ pkl~ }z h + }ka }k~ okhb oe akhb } afndh acffna}lch,7 F pk hb }ka }zchb hb l jh ~}ka akc HK }k~ k}lh hb l e~d ahayc kl pkl~ mc ehk f p zd& ah akhb } bl khb }k bl }khb akchb l e~d okhb t~d HK(% Hk }k~ oe akhb }+mca~enh}dz| acffna}lch,7 F pk hb }ka }zchbhb l jh ~}ka akc HK }k~ k}lh hb l e~d okhb hkhb ah ayckl pkl~ e ah ah ayc jakhb }bl khb oe }knc y l l~ olh fh~ hb l e~d }z }lh kl pkl~ }k HK e l }zdc jakhb }bl khb akchb l e~d hkh khb(
]knc aa ak~h ea oka hkd~ a }kpkh fcl hk }k~ +~}ka }k~,}khk aa fcl oka hkd~ hk7
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8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
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/ Ble j } kca fcl }z a |~ }z l zc }h mhb }k hb el& okl yla}kdhk }ch a e j c j l HK }khb t~d yla e F#A okhb k~ hbdhb( Hb l jh qokhb pkl fc hbl yq}z~hb }ka ahb hkokhhb
}kdhk }ch ad hb l e~d(/ E z hb okhhb a~hb a p khb akc hb l e~d e} okl hb l jh ak hb jh khb }zh a q }kdhk }chhb }z a kca }h mhb }k(% ]k }h m hb a~hb a p khk fdhb pkp f~ } akc }k hb e l t~ a } 7
]zchb ]]T]& pk hb }ka }kdhk }ch jhb F#A a qmhb z } pk jlh( Okl qmhb pk hb }ka }kdhk }ch h|& aa jh }kde bld~ md yc
^AP>00 mc pkhb }k hb el t~a }pk} khk he 4
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
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HK e F#A ak~|h hk hb }ch jkd| e } pkh t~| h }ka klh F#A akce} kd| hkl~ hb l oka( F#A ak~|h hk hb ak a ak~|h hk hb e}fh( Akl pk ak~|h hk hb }k hb mc hb l k hb f l ~ }lh ak~(
%]k }h m hb }~h kch +znycfylhb F#A, f fcl F#A okhb }kk~jqd~ oklqmhb {chb kca k} }k l kh kl~ fa }k h fl } hb a bl }z hka y ahky| h }~h kch akch okl hc }hb }z bl k p hb a }kaklh(%]k }h m hb blp f hb +jdao }c jdao F#A,
Qd~ okl hkh a F#A mc hb l HO e akc ehk k hb& hb l [O
mhb F#A h|}kak p e e} F#A oka akc hb l k hb f l oka y l hlm~hb bh blhb hkF#A jdh~& F#A e qd~ bl f F#A blp fhb(%]k }h m hb l hb +Znalpzcadf F#A, f fcl }k }h mhb akj}~ akl~ fa okl }k}h mhb oldlhb y l h e zd(
]k}h mhb lhb }k hb a qmhb }zchb pk hb }ka e~d jhkhbl khb +jdz}nz,& hbcl zd okhb fcl }z okhhb mhb }zchb pk hb
}ka bld ahb( ]~| hklh& yla qmhb }zchb bld ahb a hkl~ pka } p(%]k }h m hb m pkhb +Q}dhm j| F#A,
Yla HK e F#Ahb zd }kdhk }ch }lh khb akc hb l [O f }k~aokl hle }z~|h }khb y}h mhb akhb }& hkhb }zchb }k l l hb| hd|okhb fcl }z okhhb hb l [O hkh a F#A z l hkhb okhb a ok hhb bldc khb( Y y|& e j c t~| h f l akc hb l HO& HK ad hb l[O qpk} khk e} F#A }zchb qade o } y l hb l HO q}kdhk }ch flakc k}zchb }z hb k p hb l [O okhb kch }khk hbk d ybldc khb }kncF#A zd( F#A hk}kbl f F#A mpkhb( H a p mhb pkjlh E }zchb t~dh ke} jh f hb l } khb +hb l e~d, y e} jh f hb lqh {~} +hb l jh,(% ]k }h m hb }kdhk }ch m h m h y qd~ +Mninzznm pd|enh} F#A, f fcl }k }h mhb okhb }kk~j& }zchb HK e F#A kd| f HK {a hkh F#A adeo } y l hb l k hb f l q }kdhk }ch mh }ch jq}lh ad F#A }zchb
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40/190
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
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/ K l pkl ~ }z }l h hbd| qd~ e } q hb| hk } hk +}k hb f } > h 2hb|,7 hb l }z }lh okl hkh }k| kl pkl~ h| mc hb l ae pkl~ {~}}zhk }k }lh khk o ak p hkh }z }lh& qd~ }k }> h 2 hb| }k }z }lh
} kl pkl~ (/ K l pkl ~ a o kh7 qd~ e} }k l bldh hk}hk bkl }zh kl pkl~& hb l}z }lh pkl }z kca }hk } hb| o pk} kl pkl~ kca }hk } hb| ak phkh kl pkl~ kca }hb| t~| hk a}k(% Ah ayc kl pkl~ a oe akhb }kd| okhb& a }kakld kl pkl~ fekdl fcl7
/ K l pkl ~ }z h7 Fcl kl pkl~ h| a bl h l }lh hb l }z }lhokhb a oe }knc akhb } }k hb el( ]zchb ]]T]& kl pkl~ h| amhb}k~ }lh a a pk yh }l& jc kle& kcd khb kca mhb l}lh e~d khb ad hkhb }k hb hkh HO }lh a|(/ K l pkl ~ oe ak hb } 7 fcl kl pkl~ h| a bl h akc hb l HO aoe }knc akhb }}k hb el( Kl pkl~ oe akhb }a kdl fcl( Fcl kl
pkl~ oe akhb } }z }lh hbd| y fcl kl pkl~ oe akhb } a ak phkh(% Ah ayc }hk ak} ak~|h hk hb ad kl pkl~ a }kakld kl pkl~ fekdl fcl7/ K l pkl ~ ak mdhk7 f fcl kl pkl~ bkl z }h hb l k hb f l kl pkl~okhb oe }kncl~ okch }knc fhk( Kl pkl~ ak mdhk okhb ak~|hhk hb a jhb }k}a o k~ }knc f~}hk(/ K l pkl ~ }knc f hk7 f fcl kl pkl~ bkl }z }knc fhk ad hb l k hb f lkl pkl~( Kl pkl~ }knc fhk ak~|h hk hb jhb khk }ka o k~ }kncf~}hk(| f fcl kl pkl~ a qmhb z hb zl }zchb ]]T](% Ah ayc hb l o pk} kl pkl~& hb l }d akld kl pkl~ fe kdl fcl7/ K l pkl ~ }k hb e l7 f kl pkl~ mc hb l [O o pk}l }lh hb l HO }zchb hbkl p yy}kdhk }ch khb kd [O kca a~hbhb fdc yfh akchkd~(
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42/190
% :9 %
/ K l pkl ~ HK 7 f kl pkl~ mc HK pk} khk zd fhk akc HKl f adehk }kdhk }ch e} q}lh hk}hk akc hb l k hb f l ak hk }zh kl pkl~(
+:, Qa +aknt~n,
Qa f } fhk }z }lh yl~ olh ad ak}l okch |~ a~ HK }zak}}l okch ad ehk }z akc hb l }kk hb +a }h bkl }zh qa& kd| hb lae qa, e } q}lh hk}hk( Qa a qmhb pkjlh okhb ak}zchbhl d e ah a qmhb z hb zl }zchb }kdhk }ch t~a } ykhb kd&a~hbhb fdc y& m~ fak y aa akl }z pk e~ mak oka(
Qa zd l }aka hhb fe pk hb }lh }kdhk }ch ad }lh }y aqmhb z hb zl }zchb hkhb h a a k}khb HK pk} }zlh adc( Klh hd|qa f pk hb }lh akl }z a mhb k~ hkpkjlh }zchb bldc f~ }kdhk}ch hl d ad }} aaa h a( Qa ahb a qmhb z hb zl }zchb ]]T]ykhb kd& a~hbhb fdc y& m~ fak y yaa akl }z pkl e~ mak oka(
Qa a }k a pkh fcl }knc aa }l~ ak oka hkd~7
% Qa bkl }h f fcl qa bkl z }h hb l k hb f l( Fcl qa h| okhb }k ak~|h hk hb a(% Qa y mdhk f fcl qa okhb bkl }h hb l k hb f l& aka a~ ]z akchb l ae qa( J} adl ae qa ~ a }kf hk }lh HK( Qa h| ak~|hhk hb a(% Qa }knc fhk f fcl qa bkl }z }lh }knc fhk ad hb l a }h }zh } qa\~ a~ }z }knc fhk ad hb [( ]knc }hk ak} ad qa(% Qa }lh e} mhbz} }lh e} }l HK(% Qa ak~|h okch okhb z} a }lh e }& e akak~|h }lh }}l okchh| qdhb }l okch oka(% Qa bak akc f fcl qa }zh e} }z a ad } qa a kdl mhb o qchb qchb&fcl qa h| okhb z} a }lh e} e akmhb ak~|h okch& qchb bl lkh pke yl h ad } qa(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
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% :2 %
% Qa {a hkh f fcl qa }z a okl a qmhb pkl edhb } l HKhb m~{a hkh&HK okhb hk&e j c okhhb akl }z ad } qa(% Qa m~ fak f fcl fhk ad HK |~ a~ l f ad ehk }z }lh akc hb l a
}h }zh } qa& fcl qa h| a bl }z y }k l kh( Hb l q k~ qa pkl oqh ako }khk} }zh } qa( Okl f hk }lh hb l k hb f l o }l akak o }kkdl }k e l k p f(
+1, O pkl ~O pkl~ mc hb l h yl} zdkd ade o } }z }lh akc hb l k hb
f l( Y l }hk }k hb }zchb }kdhk }ch hk }zh hh } a qmhb }zchb
]]T](+=, ]k }kdhk }ch]kf e} ahb a}kdhk }ch okhb mhb }lh e} mc HK pk} khk
y a~hb a p akc okak khb qmhb }z }lh khb kd mak y& aa okch}kdhk }ch oka y z} }lh e} }l aa t~| } hb( ]kokhb hkhb aqmhb }kdhk }ch }zchb h a e ah a qmhb z hb zl }zchb }kdhk }ch
h a hbcl(4(4(9( Aa t~| a t~a }flh t~dhh kc}hb ]]T] _49U
+4, T~| } a y }k a khk }k hb hk } y }h m hb ak hb } mc pkhb }k hb e l t~ a } jdh khk 4
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hk} }zchb ]]T] f z } ah }kl}(}c l~ olh }k~h f l k h y }ka|bldc f~& }k hb el t~a }pk} }zlh ehk ek h hd Pkhb ]k hb elt~a } qd l y jdh khkT~| } a y }k a khk }k hb hk } y }h m hb ak hb } ad LAA ^AP%900& a kl~ fa } 4#2#:002 ( ]l p }knc yla jdh khk^AP%900& LAA jdh khk e} qyh jh k hb mh oe }knc(
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% ^ZZ>:> 4
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}hk ak}& aak pk} khk y f~ }khb qa&hb }k l ahb t~| hk t~|h f ly }zak hkle ad aa jh a flh t~dh } l qa(
+9, ]k f }k hb hk } y }k~ hbh +^hlicze z~fnq icz acffna}lchq,
Mc Pkhb ]k hb el t~a }pk} khk Hc1::& 4
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ad HK]E f |~ a~ ah }kl}}k~ k} aal } hb }kde bld( Kl~ t~ a }kklh }k l bldh }kdhk }ch&}lh a| y akl pk bldc mak akce} }kdhk }ch(
% ]k l bldh }kdhk }ch f okchb }k l bldh o }okl ak hk }kdhk }ch a d zd akch okl aa ak}k}kde bld }kdhk }ch hkh }lh }zh }lokch( ]k l bldh ml kd| hbh a flh t~dhh kc} hb qh {~}& olhkmcdhk }l d kc kl~ t~qmhb yh(
% Akl pk bldc m ak }kdhk }ch okhb akke hbk d h blh f akl pkad hb l qmhb }kdhk }ch pkl }z e hbk d z hb k h f ah hka bld
akl pk { kl e hb l }kdhk }ch pkl ak~ y aa }lh ak e hb l a k hb( Akl pk akc bldc mak jdc be7 Akl pk y}k l bldh bldc mak&}k}a bldc mak pkl }ka klh Ah t~dh }eh yla ble akl pk bldcmak& kca }hb ak} f hb mak y(
% Ble z l zc }zchb ]]T] 7 ]zchb ]]T] z l zc }k hb mc pkp f& z lzc kc}hb& z l zc dh }ch& z l zc O]
Okl hbklh a~ ykl~ t~kc} hb ]]T] a d HK]E }k a z }hkl~ t~dh le d mhb& }~ }knc ea ak hbklh a~ oka hkd~( ]~|hklh& }zchb f~h h h|& kl~ t~kc}hb ]]T] a hbklh a~ md }zh}l~ ak~h hk bl kl~ t~olhk }& }kklh el t~dh k}l ~ bld o } t~ }k~ a y akl pk jzd}k~ a o } t~ & }a f okhhb jlh aa |~} ~ yc }khk aa |~ } ~ zd kd| okhhb qlhk f l kca ble }kl~ akl pkhke }hb mcdhk }k~& }hb f l hk~h y }hb okhhb ahk }zdhk(
Hbh khb }k hb el f e} h yolhk mcdhk& mc y| e a ak kc}hb ad hbh khb f }l d kc f l hk~h y l e} ea z l zc akc pkp(Aa HK]E }lh khk kc}hb ]]T] y l e} hb~h y} fa hk}hk y mc k d zd }k}z hb e} fc} qh pke mak yy l ea akl pk a jl}hk}hk( Okld zd aa qh pke mak y}zh }k}z hb& aa hbh khb~abhb }l ~ kd f l hk~h }khb t~d bl amak y& qchb akhk }k}z hbe l f h l t~| }hk bl aad aa mak y( ]l el e} HK]E& akl pk j
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49/190
% 11 %
zd}lh khk kc}hb ]]T] q~| h ahb ahb ~ f akl pk fdchb {kl& hkhb oklhk bl kl~ t~olhk }& akl pk fdchb { kl jl~ klhm l kdl mhb akl pk f7 Akl pk }z a }l p akc t~ }zhk kc}hb ]]T] y
akl pk blh }l p pka yakc t~ }zhk kc}hb ]]T]( Mc oklhk blkl~ t~olhk }ad kc}hb ]]T] a h pkl hk bl kl~ t~}hb k pad aa fcl akl pk }zh|&hb }k l fl pkl hk bl kl~ t~ad }hbfcl akl pk( fl kl ah }kl} blp akc ahb }a t~h f olhk mcdhk }e a k hb ble akl pk a jl} y ble akl pk }hb k p hke }hb kl~ t~ olhk }( hb }k l& oklhk bl kl~ t~kc}hb ]]T] a d HK]E ah
pkl {ne {} }zh hkl~ blaoka hkd~& m l | ak a p h hkhbblay hkhb yh ak| ~7% l y l h h olhk } 7 Kl~ t~kc}hb ]]T] a hk bl }khb t~dyla | e hk kc}hb }kdhk }ch [HO ad hh O] hke} }hb }k& }ka| kc}hb ~ }h a hbcl }z a }l p y blh }l p& }ka| y e z hbaa kc}hb mak yhkm~ fak& k p }a t~a }& }hb a hb }k~ k} ol~
kl y aa hb~h fa }l akhk oka& }ka| }k}z hb }l akhk t~a bld klhk p t~a }&| e hk qh {~}& ak~|h mak a a~ olhk }& }hb HQF[K&}ak f~hbcl }& }hb }k~ akc hbh qak& bll t~| } yla fe& al }klh lqhb hkh mh& bp pkh al }klh ah ah }kdhk }ch&h hk hh olhk }(% l y l HK]E7 Kl~ t~kc}hb ]]T] a hk bl }khb t~d yla pk} }zlh aa hbkl p yhbh khb& }ka| }k hb el t~a }pk} }zlh&e z hb }k}z hb kc}hb hbcl fhk }kYl} Hde&d mhb kc hb~h}k~ hk p& }hb }k~ }mak y]]T]& }hb }k~ hk p akc hbh khb y ble akl pk((( Kc} hb ]]T] ahb pk} }zlh }k ahb hhb adc a ~| }h adhbh khb }zh }k}z hb }zchb y hbcl h a( Okl }ka klh aa |~ a~ adokak khb a flh t~dhh ]]T]& HK q}k~ a e} ea pk hk}hk}knc jl~ pk mak yad HK +akhb kh hk7 pk e F#A& pk }kdhk }chF#A& pk }kdhk }ch hk }k~& pk }~ akhk F#A& pk }khb jc F#A& pk }kdhk}ch ak~|h }lh l& ak~|h }lh h,( Okl aa mak y]]T] ahb pk}
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50/190
% 1= %
}zlh }k mcdhk }k~ mc kc}hb ]]T] edhb f l qahb f h y ahb fe }hbkl~ t~olhk mcdhk ad HK]E( Ahb y l aa okch pk mc kc}hb ]]T]edhb fl& aa HK ah a }k}k~ a aa okch f l hk~h }kc}hb olhk
mcdhk hbcl }kca ak~|h l hbcl }okl aa jh }kde bld kc} hb]]T] a hk~ a ~ e~d jh kca ak~|h l(% l y l okak khb7 Kl~ t~kc}hb ]]T] a d HK]E a hk bl}khb t~d yla }ka| }hb }z hb ole hbak [HO ad MH& }hb hkdhkyhb t~d| ad hb yh& aa }k hb y a }lh khk hkdhk akhb& dh }ch&akhk {a y hhb adc ~| }h ad mcdhk hbkl p }zh }k hb }z hb(
Okl hk bl kl~ t~kc}hb ]]T] a d HK]E& ah pkl {ne {}}ch mlh }zh a1 bla7 hh olhk }& hbh khb y okak khb j l y bldaa |~ } a el t~dh kak} aky l hkd~(l y l HK]E& }k kl~ t~ a jl} ad }hb }k hb yz } a acl }z hb y kc}hb olhk mcdhk a kl~t~}k e l a alHK e z hb y pk} }zlh t~| e kc }hb ad ehk( Hkhb t~dh }z hb k h f pkl } a kl~ t~O]%[Kl y l hh O]TM&
f }l~ ak~h t~dh }z hb hk} ad q pk} }zlh( Kl~ t~O]%[K y kl~t~a jl} ad }hb HK]E a e l t~dh kak} aky l hkd~ y }ahbt~d fl y l hkd~( Kl~ t~O]%[K } a }zh a q kl~ t~ ad aa HK]E& kl~ t~a jl}& }~| hklh yh a }z hb k p kl~ t~a jl} ade} qHK]E hc okhb jc e hkhb kl~ t~ak~hb O]%[K yh }k~ a(l~ h| a }k{| zd }zchb hkhb }z hb k p hk}hk& }zchb hkhb}k l le hk}hk mc hkhb hb~|h hkh okak t~dh edhb fl( E} oka&}k~ a kl~ t~O]%[K l okl pkl } je} qkl~ t~a jl} hc( J l y|& aa HK]E ah a akhk qak jc e o } k p kl kd f l akak~hb ad }ch { kl y l f l ak ad }hb HK y hb l fdchb }zh t~dhle a jh f} kl~ t~olhk mcdhk }zchb kl~ t~O]%[K(
] q pkh }ak }zh& a }kkl~ e} aak okl t~} z hb7 Kl~ t~ kc} hb ]]T] a d HK]E f e } pke }z olhk } pkh hk o } t~ olhkmcdhk ad hbh khb }zchb f hk y a ]]T]( H a c j hb kl~ q bl d
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51/190
% 1> %
mcdhk }k~ mc kc} hb ]]T] edhb f l y akl pk j zd }l h khk kc } hb ]]T] (
Kl~ t~ ]]T] 5 Mcdhk }k~ ]]T] Akl pk ]]T]
% Mcdhk }k~ ]]T] jdc be7 Mcdhk }k~ } pk ]]T]& mcdhk }k~ } ylae~d#jh hbcl }akc ]]T]& mcdhk }k~ }akc yd| akc kc}hb ]]T](((% Akl pk ]]T] jdc be7 Akl pk }lh ahb& }lh f hb akc ah j}z a }l pfe ahb }a ]]T]? akl pk t~h f oka? akl pklh& h a? ok~ kdc e|ea }kl} j? z l zc }zchb ]]T](((
[} e } aak ak~hb hk}& kl~ t~kc}hb ]]T] a d HK]E a
{a hk jhb }fqc qhk bld aal f hb pkh hk o } t~ } a y olhk }y l aal f hb pkh hk aa akl pk jzd kca hb~h y} fa a k~| hb yc }zchb f hk ya ]]T]& }a f jl~ klh el } hb t~dhbld o } t~}k~ a y akl pk jzd +kl~ t~ kc} hb ]]T] 5 o } t~ ~ zd#akl pk ~ yc kd| hb a f l kl~ t~ kc} hb ]]T] 5 akl pk ~yc#o } t~ ~ zd,& kd| kl~ t~]]T] a c f hb jhb kl~ qbld o }
t~ } a y akl pk jzd } a o } t~ +kl~ t~ ]]T] 5 O } t~ ~ zd % Akl pk ~ yc ,(
[} ba oka& kl~ t~kc}hb ]]T] okhb }h }l e} aak jl} f p y l hh O]( Hkhb o } t~mc kc}hb ]]T] edhb f l }ahbh hkl~ e} hh O]& akhb a hk bl yc f hb }zh a q aa ak }l~ kl~ t~O] flh t~dhh }ch jt~ }zhk qh {~}( Ak}l~ akhk f HQF[K& f q}l} ole fdc hb { kl }zh t~| e }ch hh O]TM(
[} ye } f f~h& hl m~hb a jh ad kl~ t~kc}hb ]]T] fhb fa }ka| pk} }zlh O]& bp pkh }hb HQF[K& f q}l} ole fdchb { kl y }hb }k~ hk p t~a mh& t~d }c }ke hb~h }ak f~akcqh {~} y hhb adc ea qhb& ea k hb }kad hkh mh(4(:(:( E} qak}l~ a j h {a hk kl~ t~ kc} hb ]]T] a dHK]E
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
52/190
% 19 %
Kl~ t~kc}hb ]]T] a jl~ klh }khb t~d e} k}khb aaak}l~& el ak}l~ pkh hk e} e} hc }zchb kc}hb olhk mcdhkhbh khb y akhb a e} hbk d olhk }hk}hk( A }khl& h~ }l~
ak~h jl~ klh e} ak} f hb ad kl~ t~& }k k}khb ak}l~ jl~ klha }z hb qf hb ad kl~ t~]]T](4(:(:(4( Aa ak}l~hk f hb
+4,Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d ak }l~ f l hk~ h zhb } aa kc } hb ]]T] (
}hk a f l hk~h zhb mc kc} hb ]]T] edhb f l& }k aa
HK]E pkl }hk a akl pk pk} qlhk akc kc}hb ]]T]( Ak }l~ f lhk~h zhb h| a }hk jhb kl~ qbld mcdhk }k~ mc kc}hb ]]T]edhb fl y akl pk jzd}lh khk kc}hb ]]T]( F l hk~h kc}hb]]T] a d HK okhb hbhb }hb e} aak yhb aka( | f e a }l~ a jh& ea }l~ ad }} aaa HK~ k hb } l +F l hk~h ]]T] 5 Mcdhk }k~]]T] Akl pk ]]T],( }l d kc f l hk~h& aa hbh khb }k hb }e
aak a} ble akl pk kc}hb& }hb HQF }zh a q p mhb ahb hbk e l y hhb adc }zhkah jfe ahb }a ]]T](+:, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d mcdhk }k~ } pk kc} hb ]]T]
h M] 5 P l { T l
l54
]zchb 7 M]7 Mcdhk }k~ }pk kc}hb ]]T]Pl7 Bl amak y}klTl7 Qf hb mak y}kl }ka klh }zchb o h7 Qf hb mak y(
+1, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d } f bl d f l hk~ h ]]T] qc y l mcdhk }k~ ]]T]
] f bld f l hk~h ]]T] qc y l mcdhk }k~ ]]T] 5 f l hk~h]]T]#mcdhk }k~ ]]T]
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
53/190
% 12 %
] fh| akc jl} e}hb mcdhk }k~ mc kc}hb ]]T] }k a klhedhb fl jdc hkl~hb f l hk~h akc HK }zchb o (+=, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d } f bl d mcdhk
]]T] qc y l } hb mcdhk }k~ ] fmcdhk }k~ ]]T] qc y l }hb mcdhk }k~ 5 mcdhk }k~ ]]T]#}hb
mcdhk }k~ HKAk}l~ h| pkh hk }}z hb ad mcdhk }k~ mc kc}hb ]]T] edhb
fl qc y l }hb hb~h }k~ }aa kc}hb olhk mcdhk oka ad HK(+>, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d } f bl d akl pk
]]T] qc y l mcdhk }k~ ]]T] ] fakl pk ]]T] qc y l mcdhk }k~ ]]T] 5 akl pk ]]T]#mcdhk }k~
]]T]Ak}l~ h| akc }k| a e}hb mcdhk }k~ pkl j zd e| hb
akl pk( Ak}l~ h| ah pkh hk okhhb l~ akhk el t~dh kbld }f ~ zd&~ yc } a ea kl~ t~( ]fh| ahb hk}k qakc kl~
t~ahb adc(4(:(:(:( Aa ak}l~hk }hk+4, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d yl a } hb a hb yahb a hb~ h y h + a jl } f hbc l } akc HK, (
l y l ak}l~ h| ah a p h el t~dh kbld mcdhk q]]T]y l qm }lh bl hbcl }}l HK& kd| mcdhk q]]T] y q m }lh blhbcl }ad aa }aka O]( Okl }ka klh hbkl p y]]T]& e l hb~h }k~hbcl }} h a hbcl kca akl hbcl } }kdhk }ch akc h a hbcl& aa HK]E ~ pkl }ka klh }khb t~d }l okch HCQ]ZC % }l okch }lh blhbcl }ad ehk }l h a hbcl( Kc}hb ]]T] ahb pk} }zlh }k mcdhkqbldc mak t~d }l okch HCQ]ZC h| qhb| ahb hkl~( a jl}& oklmcdhk q}kdhk }ch khb [O ahb adc }k hb~h yh hbcl }}k~ y}zh }lokch HCQ]ZC qahb f h y qm }lh bl hbcl }ad HK]E }l h a
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
54/190
% 1; %
hbcl qahb adc(| akhk f kl~ t~e kc}hb ]]T] edhb flakc kc}hb olhk mcdhk HK(+:, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d yl a } hb a hb y
k }z hbkl p yolhk mcdhk hbc l } (]zchb t~ }zhk }ka klh hbkl p y]]T]& HK jh hbcl }akc aa
okak khb a hk~ a~ }kdhk }ch }lh khb HO kca e~d fl hbcl }ad aaokak khb a hb~h hbcl }}k~ y} kc}hb [O khb( Okl hbkl p y }kdhk }ch khb [HO t~d HK ahb hkl~ }k qahb }c l~ olh akc HK pk} }zlh a hbkl p yolhk mcdhk hbcl }& }hb mcdhk }k~ mak yy
hhb adc kl~ t~kc}hb olhk mcdhk HK(+1, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d yl a } hb a hb yk }z hbkl p y}h m hb [HO(
l y l hk HO& okl ah HO e} okl f hb khb kc& mak yah}kl} hkhb okhhb }l akhk akd }ka klh kc}hb & fa h| hk HO q h hbh khb {lh yd|( Hbh khb okl qf hb l a~hb a p hb~h
}l akhk ah }kl} akc hk HO }zh a q aa l~ olh hk}hk a }kc }k~h( l y l hk [O& okl }k}z hb khb kc mak y l kl ahk }zdhk}ak aa& hk [O j~a pkl }e ole hb~h ~ } }ka klh k p hb adehk& fa h| hbh khb q hb ydl }z f hb l a~hb a p hb~h }l akhkakc hk [O( Okl hbh khb akc MH [HO yd|& hbh khb q }k~ fl }zhokch }lh akc yd| h|( Q k p hk} bld hbh khb y aa MH [HO q }c l~ olh hhb adc ak} f hb }h mhb [HO&d kc} hb }h mhb[HO }ka q}z }khk e}h j| oak }kak qpk} }zlh hh O](
+=, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d yl a } hb a hb aa k }z m ak yhbh khb oka +akl } ok ~ k l pkl ~& jc fhk,(
l y l ak}l~ h| ahb ah a p h el t~dh kf hb kc bldmcdhk q]]T] y l mcdhk qakl} ok~ kl pkl~& mcdhk qjc fhk adhbh khb(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
55/190
% 1< %
+>, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d yl a | e hkt~ h f z l zc kc } hb ]]T](
T~h f y ole qc} a z l zc }zchb kc}hb ]T]] q bp pkh
z } f h }zchb yla hhb adc kl~ t~kc}hb ]]T] a d HK]E(+9, Kl ~ t~ kc} hb ]]T] a hk bl }khb t~d q pk} }zl h ye z hb ad e hb f l aa hbh khb l f& pk} }zl h t~dh k l hbc l&hhb adc ~| }h a d hbh khb }zh }z hb t~ a } (
Ak}l~ h| a }kklh }kja { p khb kd| aa bll }k hb mcaa }aka t~a }a ~| }h { p khb kd| }zdc }hb( ]k hb kl~ ad hbh
khb hb| ahb a hkl~ hb l jl}h& okak khb hb| ahb }hb e}aakh hk kd| q kl fhb ad okak khbl y l hbh khb( Aa okakkhb }z~|h }khb& okak khb ayh h bldc mak y l hbh khb(hb }k lokhb hbhb bld }hb a okak khb e l& okak khb }le h hb( Akhk q kl fhb& q}kceh y}lh ak& ak} f hb& }klbldc mak& }hk dh }chad aa qh pke& mak ye hbh khb a~hbhb akc okak khb }c hh
e l t~dh kkl~ t~y l okak khb( ahb f kl~ t~ad yla t~hb jkhkhk ad hbh khb& fe akc hkl~ hb l hb| ahb jl}h }k hb kl~ad hbh khb&h bldc mak y l hbh khb( Y q ak p hkh ad }k}z hb&ad okak khb yaa qh pke(4(:(1( Aa hkh }a j h hk k hb } l kl~ t~kc}hb ]]T] a dHK]E
Kl~ t~ kc} hb ]]T] f e a }l~ e j} aHK]E hc ~k hb } l( J l y|& hhb adc kl~ t~kc}hb ]]T] a d HK]E a hbk df }hb a hb hhb fa }l akhk& hhb fa ahk }zdhk& hhb fa l~ khkhke }k~ yf l hk~h adc& }c zd }ak f~& e z hb kc}hb olhk mcdhk yhhb adc ~| }h ad HK }zh }k}z hb }zchb y hbcl h a( ]~| hklh& hhb adc kl~ t~kc}hb ]]T] }k l kl aa HK]E pkl {a hk zhkhb hkh }fe hk k hb } l kl~ t~kc}hb ad ehk} }e zdhkhb bll pkp fe kh akj } hkhb z l zc }zchb t~ }zhk kc}hb( A
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
56/190
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
57/190
% =4 %
HK]E hl zlhb( Ydl }z ad el }z hb pkp fl y l kc}hb ]]T] a }kklh ak7 h }c a q pkp fkh akz l zc y bll t~| } }zdhkak p }zchb ]]T]? }c a q pkp faa jh }zchb h a }ka klh hbk d y
y bll t~| } }zdhk ak p? }c l~ olh akc aa HK]E }ka klh }} kc}hb]]T]( El }z hb pkp f | flh t~dh h aac f~} y } p t~h t~a}& hkhb kh aky o k ad akhb ahb hkaa e~ }k~h bld f~} t~abld y f~} pkp& } p t~h t~a } J} ae} kc} hb qh {~} olhkmcdhk hc y } zd hbcl jlh bl l e} t~a bld~ pkl ak~ qakl pkl adf~} pkp }zchb h a y f~} pkp ad h a q }l h l kc}hb qh {~}
olhk mcdhk a }lh khk( Kc}hb ]]T] a d HK]E ahb f e} kc}hb olhk }( H okhb hkhb ak~ q akl pkl ad f~} pkp }zchb h a yt~a }& e ah pkl }~h }k}knc hkhb t~| }a& ak~h ea& }khb ft~a}((( ad }hb fcl khk hbkl p ypk} qlhk(% Ol h }k a y }k hb e l t~ a } ad aa mcdhk hbkl p [HO
E} }zchb hkhb hkh }k} qa t~dh }z hb hk k hb h kl~ t~
kc}hb ]]T] a d HK]E f7 }zhkkl~ jl} ad aa MH [HO y ]]T]& hhb fa ak~|h eh hbkl p y& }zhkhbcl hb& q kl~ jl} y pkchb }a } p t~h& f~} pkp ad h a q }l& f~} pkp t~a }& okhhbhe j } }khb }lh yhk~ a~ ad }k}z hb& ybl akhb kc((( H~ MH[HO a olh }ka }} y}k hb el t~a }}k qbp pkh ne fl kl~ t~ ]]T] adc y hb a fl(
+:, Hke hkh }akt~dh7 Hke hkh }akt~dh akhk f hkhb hkh }}}zchb hl }l ad el
HK]E hk7 hhb fa }l akhk& hhb fa t~h }z l~ khk& hhb fa t~h }z z l zc& }zhkahb hbk& }zhkah j& ~| }h y ehb f l hbh khb& q }khk ahb ad kc}hb edzon}lhb(((
% H hb f a }l akhk Hhb fa y}l akhk }k hb a jl~ klh }khb t~d }le fa yyh
ad hbh khb( H~ hbh khb a yh f h& }k hbh khb qa l~ olh e
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
58/190
% =: %
z hb kc}hb ad ehk& al~ olh }zdhb jhkhb e| ea& ahb hbk klh l hk} pka yakc t~ }zhk }kdhk }ch& al~ olh }k~ k} hb~hhkh fa ak} f hb adc(((
% H hb f a t~ h }z l ~ khk Hhb fa t~h }z l~ khk ad HK]E a }kklh t~d }m~| olhk
mcdhk e l hke e a }l~ ble }kl~ akl pk kc}hb& qmhb aa hb~hfa qh a } a o } t~}l ~( Hhb fa t~h }z l~ khk ah a}kklh t~d yla {| mhb aa t~| akt~h f& t~| }zhk kc}hb pk k py l ak~h ea t~a }y pk k p y l el bldlch pk} }zlh +akhb kh
hk7 t~| }zhk t~h }z z l zc& t~h }z }h mhb& t~h }z yh& t~| }zhk ole}zd ole }ch hl j(((,(% H hb f a t~ h }z z l zc
Kc}hb ]]T] a d HK]E f~h }le h hkhb z l zc ok f hb ymc hkl~ hb~|h hkh b| hh& a }k f mc hb~|h hkh okak t~dh } hkhb akhk qak y e ad Hk h a& q}kl~ kl~ jl} y}k hb el t~a
}kd| khk yl a}hk fd c ad okak khb? kca a }kmc hkhb hb~|hhkh akt~dh }akhk aa hbh khb hkq}kl~ k} y okhbhb jadaa a ak& akhk qak& aa t~| }zhk hbkl p yakc kc}hb ]]T]& hkhbz l zc y c a ad ah jhbh khb kd| q}kl~ kl~ jl} ad ah jfeahb }a ]]T]((( K~ t~ad h q fe {~ l }hk khk }l akhk ad aa HK yhk k hb h ~| }h ahb hk}k hb kl~ ad HK( Mc y|& t~h fz l zc }} q e j c akc kc}hb ]]T] a d HK]E dh }ch& kl~ t~k hy yla hhb adc hhb fa t~h }z z l zc ad aa HK]E f hkle yy ahbt~dh }z hb y a hbk d qhb ahl y l aa HK]E(
% Ahb hbk }kdhk }ch]z a q pk} }zlh okhb hbhb ad }lh jokcd ka o }k~}& q
ahk }zdhk bd| b} bld aa HK }k e} }zchb hkhb |~ }t~| }hk }khbf l f p mhb aa }khk }~ e l ad okcd ka ahb hbkyc kc}hb olhkmcdhk HK( Ahb hbkHK ahb klh l }k ahb blp HK }k~ }k p a
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
59/190
% =1 %
hkl~ }khb }lh hkdhk akhb& akhk {a& blp HK zd aa t~|}hk o p }k l&hb h( Ahb hbkHK }c hh qa ahk }zdhk ad HK }kklh }zh aae }7 }l} ole akl pk&| hkdhk }a }kdhk }ch y f~ ak~|h }lh }&
t~h f } p }z~hb y qmhb a kl~ t~ hb yh olhk mcdhk% ]zhkhb~ h hkh f a
]zhkak~|h eh& hhb fa y pke ak} ad ah jf e} }zchbhkhb |~ }t~| }hk h qf hb& ak} f hb qh pke mak yy q }khk ahb ad kc}hb HK( J l y& ah jHK f hb l }z a }l p }ka klhaa aklh f a olhk mcdhk ad HK]E( Y l olh }ka y olhk hbkle ak~|h
eh& ah jHK a }kfe }hb }ke bl }z akc mak y& ahb hkfe blel& }ke ak fe khb bl }z ad mak y( Jhb yla b| }klh ae y l okakkhb }zchb t~ }zhk bldc mak& hb l ah jHK }z a }l p }kde bld t~}zhk {a }lh jh mak y( d qaa } hb al }lh mak ykca a~hbhbmak y a {~} j l ah jHK( Ah jHK f fa f hb ak| ~ ak~|h}l hkhb }khb }lh }h kl~ }}k}z hb& }okak khb& } l }kahk }zdhk
h aa hk kcak hk akhk qak HK( Mc y|& ah jHK a }zhk ak~|h eh adc }k qfe ble z l zc }zchb kc}hb ]T]] y }ka klh }}ydl }z }yh& blp okak khb }zchb yla }ka klh kc}hb ]]T] t~d HK( Y e} HK e~h pk} }zlh& e~h e z hb kc}hb }k pkl a lhbah ja }zhkadc t~h f y yh khk( Yla ~ } ahb hbk e l }zchb aa HK]E q}z hh fhb pk y okhb kl~ t~h~ akhb }dokhb al hbah ja }zhkadct~h f y okdl }ka(l~ h| flahba jl}hb }zchb jl ahk hh olhk }}zl }ka dhb khk }khk yhkk hb q~ z hb } l }m~| t~h f& }m~| olhk }y pk hb }ka qh {~}olhk mcdhk klh hd|(% ^| }h y e hb f l l f ad HK]E
J} ae} hbh khb hc e~h a~hb a p akc okak khb aa qh pke mak yad ehk~ ah pkl a e} ehb f l l f hkhb h l ehbh khb ad kokhb a akl hkhk( T~dh k l f bld kdl hbh khb f
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
60/190
% == %
t~dh kmak y( ]zchb el t~dh kh|& a }kkdl jh ahb a~hb a p akchkd~ aa mak yah }kl} edhb }hk ak}d pk hb& kca ak h }k~h fhbh khb h| fel f akc hbh khb old }zchb yla {f ke} bldc mak
hc ( Jh ahk & ~| }h }} }zh }k}z hb q f l~ olh ~ }lh okak khb fd akh e~d aa qh pke mak yad hbh khb( ^| }h adhbh khb a }kklh }zh aa e}7 okhhb }kdhk }ch& o }k~} { fhbkl p y& }k l bldh }kdhk }ch& ok hhb p hb aa pk hb }lh }kdhk}ch& q d mhb ad aa qh pke mak y(% Q }khk ahb a d kc } hb Edzon}lhb hbh khb
Q ahk }zdhk hb| ahb b| b} }zchb f hk ya HK j~a aa HK pkl ak hkl~ k h h ahb }a edzon}lhb }zchb kc} hb ad ehk(Edzon}lhb }zchb kc}hb HK y l aka hhb hbklh a~ }k}z hb y pk}}zlh aa fcl qh pke e l qf akla a~ hl bld HK y l }k}z hb( Hkleya jh ad edzon}lhb f }k~ k} okak khb y }c e l l~ olh oak}kak okak khb qmhb aa qh pke mak yad HK(
4(1( OLHK HBKL E AD E] QHA ]ZCHB YL A HHB ADCKL ^ T^ KC] HB ]]T] Y JL KA ]K A ] Y H M HBYC YL ] HDE4(1(4( Olhk hbkle ad e} qh a }zchb yla hhb adc kl~ t~kc}hb ]]T]+4, Akhk qak t~ h f z l zc kc } hb ]]T] } l HK hbc l k l Kh T~ a
+Ocznd N{akdhbn Jdho ONJ, _:; U e } }zchb aa HK ~| }h hk} }zchb k }khb HK Kh T~a& y l k h 1000l f }l 4=: h a& }zchb a Yl} Hde(F l hk~h }hb }z hb jhk t~h khb he }zchb 9 he bh | } 1;.(' Akhk qak t~ h f z l zc kc } hb ]]T] a d ONJ jdc b e aa ahb yl ahk 7% ]l d kc mdhk }lhb ONJ y }hb f l hk~h a ah hka a jl}h aaz l zc a flh t~dhh kc}hb ]]T] }zh a q }e ole a kl y aa pk hb h olhk mcdhk e l?
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
61/190
% => %
% T~h f z l zc kc}hb ]]T] y t~ h f hbkl p y a f p y l hkd~?% T~h f z l zc jdc t~} }ch jkc}hb ]]T] a d ONJ }zh a q hbmhb aa pk hb pkp t~h f z l zchk }hk yhk f hb?
% T~h }z aa z l zc hk f hb }khb t~d aa kh ea y jh mdhk qakole }zd(hk o {ne {} fl aa kh ea y aa jh mdhk qak ole }zd?% Aa pk hb pkp& ahb ay m fl~ t~h f z l zc a akld q}zchb }chk}khb HK?%d mhb kc z l zc kc}hb ]]T] e } aak k p f pk k p y l aklh f az l zc ad ONJ?
% [| mhb& t~h f&c }c l hbak~|h bld t~h f z l zc yl hbah j}a hbkl p(' A a ~ } ak a t~ h f z l zc kc } hb ]]T] a d ONJ a j }z } }z
q akhk h aa h ypk}k~a hk qd~7% Kl hb t~h }z }h mhb ONJ a }zak hkle {| mhb ea }l~& aklhf a& hkle yolhk mcdhk& z l zc }zchb {ahk z& }z a hkhb z l zc y
f l hk~h ad HK hke }kl} f p e} k}khb ole qc} y t~h }z z l zckl~ t~(% Kl hb }ke hk z l zc }h mhb& kl hb l~ khk& kl hb }h mhb}aka ble q} ak} akaa kc}hb olhk mcdhk }knc t~| }zhk& t~| ak }h mhb&hk bl }k hb {~|h ea z l zc ad kc}hb olhk mcdhk&dzd aa jlh pkp hke ble }kl~& kh ak }l d z l zc& }h }k} m ch}z a(hb }k l {ne {}& bll t~| } y t~|}hk {f z l zc k}khb(% Kl hb ak~|h ylh a aka hhb pkh }ak& }ke hk& m jc&c f hb&hk blhk o z l zc y aa jpkh z l zc hbcl }& }h }ka& }h mhb }ahbkl p }knc }hb ehb hbkl p yak~|h jl} t~d aa kq & jc ac& aa jhmdhk qak ole }zd ad aa pkhb jdh& }}a hbkl p f p jc ac(
Y l a a~ }aka ak} ak& }ak jak okl kc}hb olhk mcdhk hhk}khb t~h }z z l zc kc}hb ]]T] a d ONJ }ka qpk} k~| kl~ t~
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
62/190
% =9 %
y ble }kl~ z l zc& mc yla ahk jc }h }k} m ch }z a a }ka klh}z a okld zd aa pkh t~|} }h mhb(' T~h }z z l zc kc } hb ]]T] a d ONJ b e = | ~ } 7 [a hk kh ea
z l zc?hk bl z l zc? }knc ml z l zc? t~| }zhk t~h f z l zc(K}khb jc ac t~h }z z l zc kc}hb ]]T] a ONJ {| mhb
a kl~ t~y kl~ fa akc pkp }khb }lh } l a }} aaa a p zd t~|}hk }h mhb ad aa a p a }ke t~| h y kl hb z l zc h ypk}k~a(% T~h f z l zc }h mhb7 ONJ t~h f aa kh ea z l zc }h mhb }zh a q c f hb z l zc }h mhb& }kl} f p y t~h f kh ea z l zc }h mhb& }z a
hbkle okhhb ak~ hb& }z a hbkle e khk }ch YDZ akc mdhk ea}h mhb(% T~h f z l zc }k}z hb7 Pkh }ak z l zc }knc hbhk O]& z l zc }blOZR#hbcl }y }l okch }h }ka& z l zc }knc }hb qh pke& pkh }ak hk| fl q~} y aa fcl jc ac flh t~dh(% T~h f }l qh h y }l qh a7 T~h f bl l kh z l zc fl q~}? t~h f bl l
kh z l zc }kdhk okch? }hk }ch ea }k~ hk p zhb } fl m olh a {ahk }hb }khb?l~ akhk fl q~}~ zd~ yc& el jpkh ~ a }k {~} }kd|l fl q~}& kl hb ak~|h ylh q{ne {} {~} y Ak}akKl hb t~h }z z l zc qpk m~|}{~}(% T~h f z l zc yh khk jdc be7 T~h f z l zc }h mhb& z l zc ahb yla&z l zc mdhk }lhb& z l zc yh pkhb& z l zc aklh f a& z l zc hbcl kl& z l zc pkp f(
Z l zc yh khk a c f hb }knc aa pk hb pkp ad k}khbJdqnf LL? t~h f z l zc yh khk }knc aa pk hb pkphk }hk }khb t~d jh mdhk qak ole }zd mc }z hb aa jpkh f p(% T~h f z l zc }l aa h ypk}k~a7 Pkh }ak z l zc }knchk o khb}khbl y l aa h ypk}k~a }zchb y hbcl h a(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
63/190
% =2 %
Pk hb pkpc f hb z l zc }h mhb }l aa h ypk}k~a a cf hb jhb aak }hk }l qh a z l zc }knc JLQ y e khk ]nfl} +}hb bl lkh z l zc,(
+:, Olhk hbkl e t~ h f h { ~ }zchb kc } hb ]]T] a d QlhbdpcznJh ahk yla {| mhb e} k}khb pkhb hbd h {~ }khb t~d
aa a ak& akhk qak akc yd|& }khk f p ~jdh ble q} HK ahb hk e z hb aa hbkl p yolhk mcdhk HK klh l& Qlhbdpczn t~|hk hkhb hb lo o } aa okch }h mhb pkl ak~ }zak hkle }z a }lh }zchb yla }kaklh pkh fcl }h mhb akhk {a md }zh hkhb hk bl y}hk khk }hb
}k+ok hhb }kdhk }ch } aa hb~h }k~ hk p }khb }k hb& hb l jcfhk& }l qh o t~ & mhb }lh& aal~ olh y}l akhk& }zlh yhb pk}}zlh, y a }k}kd| l o } t~pkh fcl }zchb t~ }zhk pk ak~h }khb}k hb kd| yc j} o }k l le hc oka(
pkhb hbd aa okch h {~ pk} qlhk }zchb t~ }zhk }lh khkkc}hb ]T]]& aa HK]E Qlhbdpczn {| mhb mdhk qak }knc ml
hkh jl} hkhb m~ kl~ ahk jc q e yh h hk y}h mhb( Mdhkqak }knc ml okhb pkl f e} mdhk ea pkh fcl e f mdhk qak hkhbokak khbdhb }h }l hkhb yh }h mhb }le h ah t~dh }e( ]zh a q h|& aa HK]E Qlhbdpczn qa hkhb akhk qak }kak k p l y l }hbokak khb(+1, Olhk hbkl e }l }z [HO }zchb kc } hb ]]T] a d Hbh khb
N[LEJDHO +E , | e hk kc}hb [HO& N[LEJDHO ak}z hb } p }z~hb yc
hkhb f hk ya t~dh }z hb hk | e hk [O qdhb aa h a dhb pk} }zlh&ok~|h okak hkhb bldc mak olhk mcdhk hk& }c el }z hb }k~h f l akc[O hkhb khb kc y mak y& e z hb okhhb }l akhk ad mh(
N[LEJDHO ak}z hb }ka klh jc fhk hkhb okch yh f~ hbakc aa MH HO E& jc fhk hkhb okch yd| }kdhk }ch kca akc hkhbhb l h a hbcl yd| }lh e~d aa khb kc y mak yad E & a~hb a p
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
64/190
% =; %
mak yjc kle }h mhb l y l hkhb okch h okhb }z a ad hb le~d h a hbcl y hkhb hb~|h hkh mc z l zc akhk }z y }k hb el nefl( N[LEJDHO hb ydl }z a~ hl t~dh }z hb }zchb yla }ka| kc}
hb [O ad E }khb t~d aa fcl khk mak yakhk hk7 akc yd| }z a }l pl y l hkhb hk HO h a hbcl? jc fhk akc hkhb okch yd| ad aa]A]M a~hb a p }l akhk akc hkhb hk HO khb kc y mak yad E ? jc fhk aa okch yd| l y l hb l akc yd| a~hb a p hkhb okch yd|}k hb el akc aa hk [O E ? y a~l ahb f jc kle akc hkhb hk [O E l y l aa okch h e hk HO okhb }z a y hkhb z l zc }k hb
e l y akhk }z b| zd( Qk}z y}l akhk ad N[LEJDHO f hke e aak }z blp }zchb }z hb k p hkhb z l zc akhk }z y z l zc }k hb el b|ah }z h yla a~hbhb yh ad akhk pkkca ad } hkh y fehkk hb h }hk ahk }zdhk ad khb kc [O ad E }zh }k}z hb(+=, Olhk hbkl e }ka | kc } hb ]]T] a d HK Jdhboco ]kl Fdh
Hbh khb Jdhboco f e} }zchb qhkhb HK]E f h hk} ad ]kl
Fdh klh hd|( Mc a pk hb k hb kc}hb hbh y he j } a }k la hh HK Jdhboco a hkhb j a pk} }zlh y } ja y }z }khk e}}zchb hkhb HK f h a }e a ad ]kl Fdh& ahb hkad }kbl l(
}ka| kc}hb ]]T] pk} }zlh& HK Jdhboco z } }ak aa}zchb yla }ka klh }l }z kc}hb [O +ak| ~ f }l }z yh,& } bp pkh e z hb }k}z hb [O ad ]kl Fdh( Kc}hb [O ad ]kl Fdh pk}}zlh oc }knc aa kc}hb oka ad HK ahb pk} }zlh& hkkc}hb7akc yd|& jc fhk& ]]T] y aa kc}hb oka(
Hbh khb Jdhboco ah z } ak }z hb } l yla k~| hb aa hb~h yhhbcl }}khb t~d aa akl hkhk ad HK }zchb y hbcl h a jhb aak pk} khk apkl~& }zl pkl~(((
Ahb y l yla bld }hb ad aa hb~h yh hbcl }f yla e z hb adaa kc}hb akc yd|( HK Jdhboco }ka klh yla akc yd| l y l aa
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
65/190
% =< %
okak khb a t~dh k }h mhb&hb }k l }hb a hb aa okch ~ } akhb okch t~a }(+>, Olhk hbkl e hhb adc h hb f a kc } hb ]]T] a d HK]E ]z~hb
T~ a okl k l hk p t~ a } A akkc}hb ad k}khb HK Yl} Hde a e} qh} } hb hb
y l aa HK ]z~hb T~a( Aa HK ]z~hb T~a klh hd| dhbhb }z a qap ahk }zdhk z } f h j l aa ade o } kl hk p t~a }( Klh }l& ]z~hb T~aa = HK]E HH& 1 HK akhk qak& 44 HK]EAP& = ahb }| t~h f }l qh y44: HK]E a p }khk pk( ]knc hk bl }k k}khb HK]E ]z~hb T~a
}h }l hkhb |~ oe hl j} hk7 Qyh l~ fhk j& }fdh }ch yh}k p? ]zhkt~h f |~ oe& hkl~ HK]E }k~d f? A a~ }aka hhbh& q adh }kl p ad HH yc a a~ }aka& ahb }a }aka ad aa HK z }f h(
a }khhb adc hhb fa kc}hb ]]T] a d ehk }zchb }lh }zhkkl hk p t~a }& aa HK]E ]z~hb T~a }ka klh e} qbll pkp hk7
%]k hk } & } p }z~hb {f m}le h {~(%]k kdl& |~ a~ aa HK]E HH }kcak hk zd o kcak }hb yh l~ f } }fdh }ch yh }knc }khb ft~a }f ;.(%]k jd & }ka klh {ahk bl }z MH& }ka klh apkh kc y hle |} a pkl~ ad HK]E }zh }k}z hb akhb okch(%]k } &| e hk yh kc olhk mcdhk }zchb HK o } k p y l }hb f hb k pf akc ah jhkh ylhHK( Yh kc HK a }kklh kc}hb HK }knc}l~ ak~h t~a }& pkchb aak fe yla& okhhb bldc }l p y l okak khby aa hl m~hb oka }k~a yyh kc }zchb olhk mcdhk(%]k h e & kch }klh aa t~| akt~h }z l~ khk& a a~ }aka }knc aa}l~ ak~h t~a }&d mhb kc aa qh pke mak yHK md }zh ahb hbk adc(4(1(:( Jl ka }k a }yh mhb yc Yl} Hde
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
66/190
% >0 %
T~d pkh }ak e} qt~a bld yolhk hbkle }zchb yla hhb adc kl~t~kc}hb ]]T]& a }k}hb k p y z} zd e} qjl ka olhk hbkleakc Yl} Hde hk7
E } f7 [| mhb k}khb ole qc} y t~h }z z l zc kc}hb ]]T]zlhb jl} y l k}khb t~h }z }h mhb }z a }k~a KT]& }khk ylh Klhb }h mhb okhb a f }khk ylh Kl hb t~h f z l zc(% [| mhb hkdhk& kl~ t~k}khb { p khb }h mhb hl jhke k}z }} akc ahb }a t~h }z z l zc kc}hb ]T]]( ]k a klh aa ok~|h hbk ad ~jdh Jdqnf yble q} HK(
% [| mhb&c }c l hbak~|h bld yt~h }z z l zc kc}hb ]]T]&}hb a hb t~h f z l zc c a&hb }k l hhb adc }ka }zak hkle&}hk } bla yc a hbkhbkl p l y l ah j}z a }l p fe ahb }a]T]] y }knc olhk hbkle ad ONJ }k okhb a pk hb pkp pkh }ak pka } p& klh l hc a }k}kd| }k a olhk hbkle y hk bl adak~|h eh }zchb t~h }z z l zc(
Kdl f 7 ] hb yh l~ fy { f m}le h }h hb ad aa HK]Ehke fhk e hk kc }l akhk& hhb adc okhhb ahk }zdhk y akhb ak~z l zc kc}hb ]]T]( ] hb HK]E pkl {| mhb y }ka klh aklh f aolhk mcdhk e l& hk} f ak }z hb yla e z hb t~| e kc } hb& KKahb hbk& kc}hb edzon}lhb&d mhb kc y hhb adc }lh ak aa qh pke& mak yHK klh l md }zh ahb hbko }k~} }lh }lh? al aak j
e| t~ h f yl~ khk }knc }m~| olhk mcdhk e l? {| mhb& ak~h kcy yh jh kc }ch jaa t~| }zhk hbkl p yad aa kc}hb ak| ~ad HK]E& }ka klh al aak khk akhk mcdhk hbkl p& {ahk }zakhkle z zhb& }~h }k}zl}aa t~| }zhk y yh jh a {| mhb(] hb a hb t~| h } aky } ak~ }zak hkle ad HK]E }zchb olhkmcdhk& p mhb | k h aa t~| aky ak~h ea t~a }ydh }ch}zchb f hk ya }l akhk hbh khb(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
67/190
% >4 %
Jd f 7 [| mhb aa t~| akt~h f y kc}hb pk k p y l ak~h e at~a }hk t~h }z z l zc& t~h }z }l qh h & }l qh a& t~h }z yh& ole}zd& ole }ch hl j& {| mhb t~| }zhk kc} hb ]]T] kl h l }knc
ak~h ea t~a }& {| mhb k}khb o }ch y }kl} f p aa ak}l~& jcac }l akhk pk k p y l aa ak~h ea o }ch t~a }& {| mhb y kch}khk k}khb ak}l~hk bl ea dh }ch y kl~ t~kc}hb ]]T]ad hbh khb pk k p y l ak~h ea t~a }y }ka }lh Yl} Hde(|e hk ahb }a ole }zd& ole qc} hl j}zchb yla ole }zd& ble q} kc}hb ]]T] hbh hbd z l zc(
J h f 7 [| mhb aklh f a pk} }zlh ahb hbkhbh khb& hk} f k }khb }khb }lh t~h f +ELQ, akc }ch jk}khb hbh khb pka yahb}al~ khk olhk mcdhk& ole qc} kc}hb hbh khb& t~h f hb~h yh&}l qh& t~h f z l zc& t~h f ahb h y ahb }a o }ch& k}khb }kdhk}ch flh HK +PLQ,& k}khb bldc mak lh }y ble q} } {d( Ak }z hbk h hd h yla ~ }y hhb a p k}khb ahb hbk}khb }lh hke pka
yakc yla pkh }ak&hk bl&c f hb z l zc kc}hb ]]T]( Kl h lkc ahb hbkhbh khbj} o p y l }zhkahb hbkad aa h a}zchb ok~ ya y }zh }kbl l( Yla klh l kc ahb hbkhbh khb qfe}l} ble a }k l bldh& fdchb& pka yyla t~h }z &l~ khk& }ahbkl p ahb hkpka yokak khb hkdhk akhb }k~h }lh k h(hb }k ly l yla pk} }zlh ahb hbkhbh khb f yla pk} }zlh aa mak yhbh
khb klh l( H e f 7 ] hb a hb k p }a t~a }& }ak aa }kde bld aa ak hb }zhk y}kakk p }a& ble q}& }zdcl }khb }lh y l aa HK }zh }kbl l& }zdhk }k }l d q k}z yyh y ahb hbkad aa }aka }l akhk t~a }& pk}}zlh aa el t~dh kk p }a qchb pk hb yd pk hb y l aal }a }zh}kbl l(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
68/190
% >: %
' Q~ f 7 | e hk aa kc}hb }l }z {~} ok~( ]hb a hb }k~ k} aahb~h yh hbcl }}zchb y hbcl h a hke pka y}} k h akc aa kc}hb ]]T](
O ] F^ H AK HB L
Kc} hb ]]T] a d HK]E f kc} hb a ydl }z y ahb t~dh}z hb }zchb kc}hb olhk mcdhk ak~hb ad HK( Kl~ t~kc}hb ]]T]ad HK]E f a q }c fhb }lh akc aa MH [HO& }c l~ olh akc t~ }zhk
f~ }khb khb kc& }c }ke qa ehk ahk }zdhk }zh }k}z hb t~a }(Kc}hb ]]T] a d HK]E f e} kc}hb edhb fl hb~h }k~ z } f h akc HK& hkhb h ahb h akd hkl~ z l zc fe hk k hb } l kl~ t~kc}hb olhk mcdhk ad HK( Akhk y y|&aklh }khb }zchb ahk }zdhk& aa HK]E ah pkl de kl~ e} aak } hb }h y]]T](
Mc }zchb Ak hb L }a bl fe z aa yh f f~h a jh y
kc}hb ]]T]& a}kf74% Okhb hk }e t~dh }z hb ad kc}hb ]]T] l y l hh O] }zchb t~}zhk kl hk p(: % Fe z okl hle&a le& ydl }z ad kc}hb ]]T] l y l hh O]y HK]E& aa pk hb }ka ]]T] ak | ~& aa ahb a]]T]& aa t~|ak~h t~a }flh t~dhh kc}hb ]]T]1 % ]zhk j| hkhb okl hle a jh ykl~ t~ kc} hb ]]T] a d HK]E& hkhb ak}l~hk }hk yhk f hb hk bl kl~ t~kc}hb]]T] a d HK]E(= % Akzd aa hkh }a jh hk k hb } l kl~ t~kc}hb ]]T] a d HK]E(> % Hbklh a~ olhk hbkle ad e} qh a }zchb yla hhb adc kl~ t~ kc} hb ]]T] a d HK]E y z} zd jl ka }ka } yh mhb yc Yl} Hde(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
69/190
% >1 %
AK HB :]K A ]Z HB KL ^ T^ KC] HB ]KDHK ]CH T^ A ]
AD HBH KHB ]K HB EL YL ] HDE
:(4( ] HB T^DH ]HK KHK OLHK ]YL ] HDE ] HE :004 H HE :002
M l q fhkc ad hb& ahb a~a l e l h a }d } ahkhb }khk }~ k} qa }c f h }zchb f hk ya O] hk7
% Hh olhk } y } t~d }k l o q~| ble&} }a }hb }z hb ok
adc y pk} }zlh } hb l }ch mlh((( Klh hd|& Yl} Hdedhb f t~a blda }a }hb }z hb hkdhk hk} Ak~ qd~ ]z~hb T~a& y l }le h hb }hb}z hb z } f h }zchb aa he }l p }knc( Yl} Hde} }a }hb }z hb BMPhe qd~ adc k h he }z a& jhk t~h }zchb > he :004%:00>} ea o kcak 2&>. y he :00> }l p }a } a o } t~okt~dh7 BMP }hb ;&=.f ea adc hk} }zchb o kcak > he +:004%:00>,( ]zh a q }hb }z hb
olhk } e hk e & BMP jhk t~h~ hb l ad Yl} Hde ahb }hbokchb 40.#he }zchb yhb > he +:004%:00>,( He :009& hh olhk }Yl} Hde }l p }a }hb }z hb adc&} ;&:. %| f e a }hb }z hbh hk qcy l ;&=. ad he }z a y y } ea qc y l o kcak ;.& fe pk} a m~|}z ea m l ;.( E a }hb }z hb olhk }h| blp BMP jhk t~h~hb l } }zh 44&> }zl~ YHM& } hb hb 2:0^QM( He :002& olhk } }hb }z hb ;&=;. qc y l he :009& k~ k} aa ak}l~ O]%[K ad he:002 a kch }khk y } o kcakzd(
% Olhk }y e } hb l h hk& aa t~dh ky ahl ak| ~}zchb hh olhk } +}ak f~% }l~ mhb& }k~ akl hbh qak, a al }klh?yla k~| hb aa hb~h hl fa akc pk} }zlh a }lh j& }fk~| hbBMP yc hbh qak Hk h a y } molh( ]hb yh ~ }yc hh olhk } }hb hkdhk( }c mhb }ke hkl~ a q y} ak} o }k~} t~dh }z hb
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
70/190
% >= %
% A a~ olhk }& a a~ fdchb }l p }a ak~|h mak }knc k hbAHK& KK( Kc}hb olhk } l hbcl y kl hk p O]T] a j a }lht~dh }z hb( E} qqh pke ad }d a qa ahk }zdhk }zh }k}z hb t~a
}y l }k hb kl~ a ~| }h(% ]k akolhk } }k}z hb hk k hb [KAH j a ~ a {|
mhb? e} qfcl }k}z hb e l khk }khk? }k}z hb khb kc pk} }zlh} hbl hkdhk(J hb :(47 ] a }hb }z hb BMP ad Yl} Hde bldlch :004%:002
+ h y7 .,
:004 :00: :001 :00= :00> :009 :002BL ]Z 9&< 2&4 2&= 2&; ;&= ;&: ;&=;
9&2&0
2&>
;&0
;&>
:009 :002
. Hb~h7 Jc ac a d Akhk Pk
Jl~ :(4 ] a }hb }z hb BMP ad YH bldlch :004 % :002
Kc}hb ~ } }z a }l p h a hbcl }l p }a a hkhb ak~|h jlh}ak aa yl~ hb ak f k~ k} aa mh f h a a p pkp }zlh okdl
z } hkdhk& hk} f aa mh }z hb le edhb hbk d O] adc( ]hb }z hb y ~ }}z a }l p h a hbcl +IML, y [O f aa hkh }akak} }ka| q }hb }z hb y } ja ad YH }zchb }k l bldh t~d( IML }hb ehk y l }a}hb }z hb f~ o } 24. o }he :001& fh ach qo fa 40&: }^QMyh ade o } }zchb he :009( IML }zchb he :002 } okchb 42&;> }^QM(Yla Yl} Hde akhk }ka }z }khk }khk ylh ad }aka }k hb el }k
bl l R]C }c hhhb fa }ka| }hb }z hb ~ }h a hbcl }zchbhkhb he } l(
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
71/190
% >> %
J hb :(:7 ]k~ k} yh ~ } }z a }lp h a hbcl bldlch :004%:002+ h y7 } QM,
:004 :00: :001 :00= :00> :009 :002
BL ]Z :&> 1&0 1&: =&4 >&; 40&: 42&;>
:&> 1&0 1&:=&4
>&;
40&:
42&;>
0&0
:&0
=&0
9&0
;&0
40&0
4:&0
4=&0
49&0
4;&0
:0&0
:004 :00: :001 :00= :00> :009 :002He
] ^QM Hb~h7 Jc ac a d Akhk Pk
Jl~ :(: ]k~ k} yh ~ } }z a }lp h a hbcl bldlch :004 % :002
Ahb y l yla }hb }z hb ehk ead IML& yh }l }z akhk }ka pk} }zlhCMD ahb flh }a }hb t~d aa he
J hb :(17 ]hk khk yh CMD bldlch :004%:002+ h y7 } QM,
:004 :00: :001 :00= :00> :009 :002Yh bll hbh 4&9> 4&> 4&> 4&9> 4&9 4&; :&
Ade o } akc yd| :&= :&> :&; :&< 1&2 = =&=> Hb~h7 Jc ac a d Akhk Pk
4&9> 4&> 4&> 4&9> 4&94&;
::&= :&>
:&; :&
0
0&>
4
4&>
:
:&>
1
1&>=
=&>
:004 :00: :001 :00= :00> :009 :002He
] ^QM
Yh bll hbh Ade o} akc yd|
Jl ~ :(1 ]hk khk y h CMD a d YH bldl ch :004 % :002
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
72/190
% >9 %
% Y }hk khk [HO7[O y HO ~ }hb }z hb hkdhk akhb y l }a }hb }z hb f~ o (
Ole hbak [HO ad ah a he :004 } 1:&= }^QM& he :00: } bh
19 }^QM +}hb 40. qc y l he :004,& he :001 } =>&> }^QM& he:00= } > }^QM& he :00> } bh 20 }^QM& he :009 } ;> } ^QM& he :002 } k h 40< }^QM(
Aa e} khb [O akfa ad Yl} Hde f7 }kdh& m} ed|& md bl|&qh pke b& khblh }e| }hk& }k~qh&m~ }k( ]hb }z hb aa hkee } khb ahb pkh hk }hk }ak aa }zchb yla ak~|h mak a a~ [O& klh
a < hke e} khb} ole hbak [O }zh 4 }^QM y l : e } khb e lf a pk y adc q~( Hkh ak~hb& hke aa e} khb ahb hbkl p ~ }hb}z hb ok(
Y a a~ }k}z hb& khb kc Yl} Hde a e} }zh :00 }k }z hb& }zchb ok~ ya Ak~ yh akle ~ }k+}zh >0., qchb blemh y}}z hb( Ok~ ya Ak~ ~ ahb a {~ k hb ble hky}}z hb&
akle }zh :0.( ]zchb okl }k}z hb Ak~ E y Ak~ Pkl }hb ehk a yole hbak }~|}l fh }}z hb(J hb :(=7 Ole hbak [HO ad Yl} Hde t~d aa he +:004%:002,
+ h y7 }^QM,
:004 :00: :001 :00= :00> :009 :002HO 49&; 4< :> 1:&> 1; => 90&;[O 4>&9 42 :0&> :2 1: =0 =;&1
0
40
:0
10
=0
>0
90
20
:004 :00: :001 :00= :00> :009 :002
] ^QM
Hkp ok~ [~} ok~
Hb~h7 Jc ac a d Akhk Pk
Jl~ :(= Ole hbak [HO ad YH bldlch :004 % :002
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
73/190
% >2 %
% ]hk khk }k}z hb }l akhk % }l h } 7]zchb okchb }k l bldh } he :004 h he :002& }k}z hb }l
akhk }lh }a j a }lh t~dh }z hb( Hkh ak~hb }k}z hb }l akhk Yl}
Hde } }a }hb }z hb }} ydhb hb| ahb kl hk p y l }k}z hb }lakhk t~a }( Aahk ak}l akhk hb| ahb hhb adc ydl }z }z~hb bldh}l akhk }zchb hh olhk }( Hb~h fa k~| hb akc~ }pk} }zlh ok yd mhb a jh phb ak hb }zhk ak~|h mak a a~ olhk }& pk} }zlho } a~ k}hb O]%[K(:(:( ]K A ]Z HB KL ^ T^ KC] HB ]]T] AD AA
HK]EYH _:1&:=&:>&:9U:(:(4( Okl t~} kc}hb ad HK]EHH YH
Klh hd|& k}khb HK]EYH be a aa fcl khk hk7 2 HK]EHH&11 HK]EAP }k& 4 HK]EAP hhb }kh& 1< akl hkhk HK h a hbcl }lYH& > HK flh mcdhk }l YH& < Ahb }| }l akhk& 4: Ahb }| akc }k~ }lakhk& >: yh pkhbl mlh HK h a hbcl }l YH +akl }l} {ne pkfa q
4,( ]zchb& aa HK]EHH yh he ydl }z ak c y akl pkl aa }kpkhmak yHK hl ak~hb +akle }zh 20.,& o f aa HK h a hbcl y HKflh mcdhk +akle okchb 4>.,( Aa HK]EHH he ydl }z ak c y aa HK h| a yh ~ } f h& a ehb f l z hb ok p }ch t~a& okak khb f}} ae l }hb f p mh a}zchb { kl& aa MH& aa }hb ahb }|
H~ hk }zchb bldlch hh olhk } jdc a p }z a |& HKH]YH f HK m~| hk}a t~| h olhk mcdhk }zchb f hk ya ]]T]& }k }okl ak~|hqdhb a ak}k}z hb aa HK~ a pkp }ka klh ]]T]& hkhb ak | ~ yh } p }z~hb yc = HK]E f h ad HH +hk7 HKH]YH& HKA]YH& HK])P]YH& HKHHcYH& }zchb HKH]YH yh akle } }z hb adchk}, y e} qHK]EAP hk7 N{le jdho& Ak~&hb d qaa HK ~ a~hb a p aa }lh ak ad HK }zchb }kdhk }ch [HO& }a }kdhk}ch hkdhk y k~ k} HK~ }kde bld k }khb }kdhk }ch QRLI] y l
8/2/2019 Nng cao hiu qu hot ng thanh ton quc t ca cc ngn hng thng mi Vit Nam
74/190
% >; %
hkhb pk hb }ka }kdhk }ch pkjlh hk7 }h mhb akhb }& hk }k~ak~|h }lh& akc yd| }kdhk }ch F#A& akl} ok~ jakh
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