NGHIEN c u u RESEARCH Thanh toan khong dung tien mat tai ^^et Nam Nguyfe Thi Thanh Mai Truong Dai hpc Kinh te & Quan trj kinh doanh - DH Thai Nguyen Thanh toin khdng dung tiln mat da trd thinh mot xu lhl toin ciu vi Vidt Nam eung khdng nim ngoii xu lhl dd Cude cich mang khoa hpc cdng nghe 4.0 bit bude ehung ta phii thieh nghi vol eae phuong thflc Uianh toin hidn dgi mdi nhu: toin qua didn thogi di ddng, toin phi tilp xfle, Bii vilt dua vii ndt vl thye trgng toin khdng dung tiln mat tgi Vidt Nam, dong thdi kiln nghi mdt vai giai phip d l phit triln hoat ddng niy Vidt Nam hudng tdi myc tidu giim sfl dyng tiln mit tdng phuang ti|n loin xudng dudi 10% vio nam 2020 I.Datvande Theo quy dinh hien hanh, eac hinh thflc toin khdng dung Uln mit tai Viet Nam hidn gdm: Thcinh toin sfl dyng giiy fly nhi|m thu hoac chi See, toin qua lhl ngin hing, toin tryc tuyin (intemet banking), toan qua vi didn tfl Phuong thflc loin khdng dflng tiln mil sd mang Igi lgi ieh eho tit e i eie bdn tham gia: ngudi tidu dflng, ngudi bin hing, td ehfle tin dung (chfl ylu li ngin hing) vi tdng lhl nln kinh tl Cy thi, vdi ngudi tidu dflng, thcinh toin khdng dflng tiln mil nhanh ehdng, an toin, dac bidt li ddi vdi cie giao dieh ed gii tri Idn, giao dieh d khoing eieh d|a Iy xa An toin vi trinh dupe cie rui ro mang tiln mgt nhu mat eip; trinh dugc cie rfli ro vit ly nhu rich, mat gdc khong thi sfl dyng Ben eanh dd, eie giao djch khdng dung tiln mit chinh xac sd tiln ean loan, nhat li phii fri cac khoin ldn, sd Id Ddi vdi tdng thi kinh tl, toin khdng dflng tien mit ed y nghia quan trgng din vide tidt kidm khd'i lugng tiln mil luu thdng, tu dd glim bdt nhiing phi tdn to ldn cfla x i hdi cd lien quan din viec phit hinh v i luu thdng tidn nhu chi phi in in, kilm dim, chuydn ehd, b i o quin va buy bd liln efl, rich m i vin d l biic xflc nhat hien dd Ii vide chuydn chd vi b i o quin tiln mSt Die biit, Ihanh toan khdng dung tiln mat tgo diiu kiln d l ding cho vide kilm soit Igm phit vi minh bach e i c giao djch tai ehinh Thdng qua vide khdng e h i t^ II du trfl bat bugc, t^ Id lii chiit khiu, ngin hing tmng uong giin tilp didu h o i khdi lugng tiln Id eung ling, gdp phin bio dim cho nln kinh t l a mdt mfle dd dn dinh Thanh toin khdng dung tiln mat dang la xu the tai ylu efla sy phit triln Viet Nam bude chin ndn kinh t l toan eiu cflng vdi hy vpng ning eao ehi sd Thuong mgi didn lu 82 2.^Thuc trang hoat dong toan ichong dung tien mat tai Viet Nam Dd an Phit triln toin khdng dflng tiln mat tai Viet Nam giai doan 2016 - 2020 d i dugc Thfl tudng Chinh phfl phd duydt, vdi mye tieu giam su dyng tiln m§l tdng phuong U|n toan xud'ng dudi 10% vio nim 2020 Vide thue diy toin khdng dung tiln mat se duge ho frp bdi ydu ciu 100% sidu thi, tim mua sim va cfla hang phan phdi phai Ueh hpp thilt bi diu cudi toin dl cho phip khich hang loin khdng dflng tiln mat Ngoii ra, 70% eie nhi eung eip dieh vu didn, nude vi vidn thdng ed thd chip nh^in loan hda don khdng dflng tiln mat, tiong 50% hd gia dinh va c i nhan d cie thinh phd Idn dupe khuyin khieh khdng su dung Uln mat frong mug sim vi ehi tieu Trong dd, cie dich vy tii chinh dgng dupe khuyin khich md rdng tdi cie vung ndng thdn, vung sau, vflng xa, thdng qua vide phat triln cac phuong thflc Ihanh toin mdi vi hien dai, dl giflp Viet Nam tilp ein dupe myc Udu tai phat triln ehinh toin di|n (Financial Inclusion), dim bio cpng ddng cie khu vye niy dupe tidp ein eie dieh vy toin va it nhit 70% ngudi trdn 15 tudi ed tii khoin ngin hing vao cudi nam 2020 Theo Ngin hing Nhi nudc Viet Nam, ty tiln mat/tdng phuang U|n toin nln kinh t l co xu hudng giim dan, tu 19,27% nim 2005 xudng 14,02% nam 2010 va din thoi didm nam 2017 la 11,45 % - bing vdi ly Id Ihanh toan bing tiln mat tai eie qude gia Ddng Nam A (ty l | hi 11% - 17% tni Singapore) Diy eflng Ii lin hidu tiiay doi Uch eye nhan thfle vi hinh vi sfl dung Uln mit efla ngudi din Nhin thflc vi thdi quen vl su dung Uln m^t frong toin da cd ehuyin biln tich eye theo hudng cing nhilu ngudi ehpn hinh thflc toin khdng dflng tiln mat thay eho toin bing tiln mat Bing So liob vitmd tkl kkoia cdt