10357 LV.ThS DHKTQD & U "■ UX* X4* H* X- ■X x sje?f t X* RXWi ’■ :■■■ r*T- Z Ml J rffisprt; as5#w "J? /a®* M *k »»w> TRVdNG DAI HOC KINH TE QUOC DAN DAI HOC K.T.Q.D TT THONG TIN THU’VIEN PHONG LU AN AN-TV LIEU TRAN KIEU OANH HOAN THIEN CUNG CAP DICH VU• • HOAT • DONG • • THONG TIN TIN DUNG TAI TRUNG TAM • • THONG TIN TIN DUNG (CIC) - NGAN HANG NHA NUOC VIET NAM © Chuyen nganh: KINH TE PHAT TRlEN LUAN VAN THAC SY KINH TE • • Ngudi huoTig din khoa hoc: TS.NGUYEN DUY THyC TH$ Wrt HA NOI, NAM 2014 * LOH CAM DOAN Toi xin cam doan ban luan van la cong trinh nghien ciru khoa hoc doc r r o lap cua toi Cac thong tin, so lieu, ket qua the hien luan van la trung thirc va a r co nguon goc ro rang A Toi hoan toan chiu trach nhiem ve tinh phap ly qua trinh nghien curu khoa hoc cua luan van Tran Kieu Oanh YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI VE Nhung diem can sua chua bo sung trudc nop luan van chinh thuc cho Vien dao tao SDH Chu tich Hoi dong (Ky va ghi rd ho ten) Cam ket cua Hoc vien7 Jdc2C v£bi .cdc cpy ^ Hoc vien (Ky va ghi rd ho ten) [fib KiA( Neu hoc vien co trach nhiem chinh sua theo yeu cAu cua Hqi ddng chAm luan van Trong truong hop khong chinh sua se khong duoc cong nhan ket qua bao ve ' Hoc vien phai dong ban yeu cAu chinh sua vao dAu luan van chinh thuc (trudc muc luc) nop cho vien DT SDH CONG HOA XA HOI • • CHU NGHIA VIET • NAM Doc lap - Tu - Hanh phuc BAN NHAN XET LUAN VAN THAC SY • • • _ ' ' Cua cao hoc vien: Tran Kieu Oanh Chuyen nganh: Kinh te phat trien Khoa: 21 r > Ten de tai: “Hoan thien hoat dong cung cap dich vu thong tin tin dung tai Trung tarn thdng tin tin dung (CIC) - Ngan hang nha nude Viet Nam” Giao vien nhan xet: PGS.TS Nguyen Tien Dung Sau doc ban luan van toi co mot so nhan xet nhu sau: Tinh cap thiet cua de tai r r \ Chat luqng cua thong tin tin dung va viec cung cap thong tin day du, chinh xac kip thdi giup cho cac Ngan hang thuong mai, cac doanh nghiep, cac to chuc r r r kinh te xa hoi dua duoc quyet dinh dung dan kip thdi co tac dung khai thong / r dong von Kinh doanh hieu qua va nang cao chat luong tin dung Mat khac, thong tin la mot loai hang hoa cong cong, khong co tinh canh tranh va tinh loai tru tieu dung Vi vay, vai tro cua Ngan hang nha nude rat quan trong •> •> r viec to chuc cung cap thong tin cho cac to chuc xa hoi va cac ca nhan Vi vay, tac gia da chon de tai “Hoan thien hoat dong cung cap dich vu thong tin tin dung tai Trung tam thong tin tin dung (CIC) - Ngan hang nha ntede Viet Nam ” la cd y nghia ve mat ly luan va thuc tien r Cac ket qua dat duoc cua luan van r x x •> Luan van da lam ro nhung van de ve khai niem, dac diem thdng tin tin dung, hoat dong cung cap thdng tin tin dung Lam ro muc dich nguyen tac cua hoat dong cung cap thdng tin va vai tro cua viec cung cap thdng tin doi vdi cac cor quan quan ly nha nude, cac to chuc tin dung, cac doanh nghiep to chuc, ca nhan Luan van lam ro viec to chuc thdng tin tin dung va cac noi dung cung cap ' r r la he thong dich vu thong tin, quy trinh cung cap va phuung thuc cung cap theo r \ r •> \ true tuyen, vao trang web, cung cap bang DVD, CD, bang hinh trao doi bang van ban Lam ro cac tieu chi danh gia muc hieu qua (muc dat duuc) cua r r r hoat dong cung cap thong tin va cac nhan to khach quan, chu quan tac dong den r qua trinh cung cap thong tin Chuang co ket cau hop ly, noi dung kha day du va trinh bay mach lac Chuang tac gia da khai quat duuc van de tong quan cua Trung tarn thong tin tin dung (CIC) gidi thieu duuc bo may to chuc cua Trung tarn Phan tich duuc thuc trang hoat dong cung cap thong tin Khai quat duuc hieu qua cung cap thong tin Phan tich duuc thuc trang ve to chuc hoat dong (11 trang) Gidi thieu r i f duuc he thong san pham (8trang) Gidi thieu duuc qua trinh cung cap thong tin va phuong thuc cung cap thong tin Ket qua dat duuc, nhung ton tai va nhung nguyen nhan cua ton tai Chuang tac gia da lam ro dinh hudng va cu sd xac dinh cac dinh hudng cac hoat dong cung cap thong tin Tren cu sd gidi thieu cac nhom giai phap hoan thien o •> Hoan thien mo hinh to chuc Day manh ung dung khoa hoc cong nghe Da dang hoa kenh cung cap Tang cudng hoat dong marketing r r Mot • so han • che cua luan • van r r f Ben canh nhung ket qua dat duuc, luan van mot so han che nhu sau: x r •> r Trong chuung nen lam ro su can thiet de hoan thien he thong thong tin r Lam ro vai tro cua Ngan hang nha nude hoat dong cung cap thong tin cua Trung tarn vi thong tin la mot loai hang hoa cong cong va khong cd tinh canh tranh va tinh loai tru tieu dung Vi vay, dong luc de cung cap thong tin vdi r r r r x \ so luung va chat luung tot thi gan vdi muc tieu gi, nguon luc d dau Can gidi thieu kinh nghiem cua cac nude tien tien viec cung cap thong tin tin dung r r bdi d cac nude chat luung tin dung la tot va duuc quan tarn hon d nude ta chuung phan phan tich to chuc hoat dong (11 trang) qua dai va dan trai r r •> Chua bam sat vao cac tieu chi so luung, chat luung thong tin de phan tich (mac x r du cd de cap muc ket qua dat duuc) Chua phan tich tac dong cua cac nhan r r r < r to khach quan va chu quan tac dong nhu the nao den ket qua hoat dong cung cap r thong tin Mot so muc trinh bay chua ro rang (trang 55) Chuong dinh hudng giai doan 2014 - 2015 la chua dune vi da het 2014, chua co muc tieu hoan thien lam can cu de cac giai phap huong toi r r f a Ket cau cua luan van phan muc luc thieu chuong Ket luan r r r r Mac du mot so han che nhung ket qua cua ban luan van cho thay tac gia da cong viec nghien cuu viet luan van Noi dung cua luan van dap ung dupe yeu cau cua mot luan van thac sy kinh te Toi dong y cho tac gia bao ve luan van truoc hoi dong cham luan van cap" Truong Neu bao ve r a cong tac gia xung dang dupe nhan bang thac sy kinh te Ha Noi, 10 thang 12 nam 2014 Ngud'i nhan xet PGS.TS Nguyen Tien Dung Cau hoi r a De nghi tac gia lam ro vai tro cua Ngan hang nha nude viec cung cap r r thong tin tin dung dam bao so lupng, chat lupng? NHAN XET LUAN VAN THAC SI • • Ten de tai: "Hoan thien hoat dong cung cap dich vu thong tin tin dung tai Trung tarn thdng tin tin dung (CIC) - Ngan hang Nha metre Viet Nam" Cua hoc vien: Tran Kieu Oanh A X Chuyen nganh: Kinh te, phat trien Ngudi nhan xet: PS TS Kieu Hiru Thien - Hoc vien Ngan hang Sau doc toan van luan van va tham chieu cac tai lieu kem theo vdi tu each phan bien toi co nhung nhan xet sau: 1- Tinh cap thiet, cu so1 ly thuyet va thuc tien cua de tai Thue te hien cho thay, hoat dong cua he thong thong tin tin dung mot so bat cap, han che chua thuc su dap ung dugc yeu cau doi hoi thong tin cang cao cua ngan hang Nha nude va cac to chuc tin dung nhu ve to chuc, bo may, ve quy trinh thu thap, xu > r \ z a ly, phan tich thong tin, ve chat luomg thong tin, ve co so vat chat ky thuat^ve trinh chuyen mon cua can bo nhan vien, ve phuomg thuc cung cap dich vu thong tin Chinh vi vay viec hoan thien hoat dong cung cap dich vu thong tin va nang cao chat lugng thong tin tai CIC la mot tat yeu khach quan Van de dat la hoan thien va nang cao chat lugng cung cap dich vu thong tin nhu the nao? de khong dong nhat no vdi viec dan trai nguon r luc cua CIC va dam bao hieu qua Day la mot bai toan kho nhung bat buoc cac nha nghien cuu, cac nha hoach dinh chinh sach, cac chuyen gia kinh te phai giai de nang cao hieu qua hoat dong thdng tin tai CIC dap ung yeu cau cap bach cua ngan hang Nha nude Viet Nam viec kiem tra va giam sat hoat dong nganh ngan hang va ho trg giup cac td chuc tin dung tham dinh tin dung va kiem soat rui ro tin dung Tir cac phuomg tien neu tren toi cho rang, de tai: " Hoan thien hoat dong cung cap dich vu thdng tin tin dung tai Trung tarn thdng tin tin dung (CIC) - Ngan hang Nha nirdre Viet Nam " cua hoc vien vira co y nghia khoa hoc ve mat ly luan vira gop phan giai quyet thuc tien cua CIC hien 2- Xet ve sir trung lap ten de tai va ket qua nghien cuu Co the khang dinh rang, day la luan van dau tien ma toi dirge biet nghien cuu tuong doi toan dien ve nhung giai phap hoan thien hoat dong cung cap dich vu thong tin tai CIC De tai da xac dinh dung muc tieu va doi tuong nghien cuu Bdi vay theo toi noi dung va ket qua nghien cuu cua de tai khong trung lap vdi nhung cong trinh da cong bo Nhung ket qua cong bo Luan van (chu yeu chuung 3) la ket qua nghien cuu rieng cua tac gia 3- Do tin cay va su hop ly cua phuung phap nghien cuu: - Luan van da su dung tong hop cac phuong phap nghien cuu, tham khao co he thong cac nguon tai lieu kha phong phu va cap nhat de xac lap cac luan cu khoa hoc cho cac noi dung trinh bay luan van - Cac so lieu su dung va trich dan co nguon goc ro rang theo dung qui dinh cua Bo Giao due va Dao tao Vdi phuong phap nghien cuu va cac du lieu su dung, Luan van co tin cay cao, nen toi danh gia phuong phap nghien cuu cua tac gia la khoa hoc dam bao tinh hop ly cho mot de tai kinh te 4- Ten de tai va toan bo noi dung de cap Luan van deu thuoc linh vuc " Kinh te - phat trien ", Do vay phu hop vdi ma so theo quy dinh cua Bo Giao due va Dao tao 5- Ket qua nghien cuu cua Luan van Theo toi, noi dung cua cac chuung da bam sat muc tieu, doi tugng nghien cuu cua de tai Noi dung phan tich, danh gia, chung minh luan giai deu hudng vao chu de chinh Vi vay, luan van da dat dugc nhung ket qua sau: - Mot la: Tac gia da kha cong viec xay dung mot nen tang co sd ly luan cua van de nghien cuu la khai niem co ban ve Thong tin tin dung, hoat dong cung cap dich vu Thong tin tin dung, cung nhu nhung noi dung co ban cua hoat dong cung cap dich vu tin dung Dac biet luan van da dua dugc nhung tieu chi danh gia muc hieu qua cua hoat dong cung cap dich vu thong tin tin dung va cac nhan to anh hudng den hoat dong cung cap dich vu thong tin tin dung Moi noi dung dua ra, tac gia dua tren nhung tu lieu dang tin cay de chon loc, luan giai co co sd khoa hgc chac chan Nen cong cua phan la lam cho ngudi doc hieu mot each day du hon, sau sac hon ve noi dung, yeu cau cung nhu vai tro cua hoat dong cung cap dich vu thong tin tin dung Day thuc su la nhung van de co so ly luan lam nen tang cho viec nghien cuu o cac chuong tiep theo Hai la: Vdi nhung tu lieu phong phu, thu thap duoc tu nhieu nguon, so lieu cap nhat, tac gia da co nhung danh gia toan dien va sau sac thuc trang cung cap dich vu thong tin tin dung tai CIC ve: nguon va cac loai thong tin cong bo; Ve ket qua hoat dong cung cap dich vu thong tin tin dung va chat luong thong tin cong bO Tu tac gia da phan tich luan giai kha sau sac ve su can thiet phai hoan thien hoat dong cung c£p thong tin tin dung tai CIC Thanh cong cua phan la da khang dinh xu hudng tat yeu, la yeu cau khach quan cua nen kinh te thi trubng - cua thuc te hoat dong cung cap dich vu thong tin tin dung tai CIC Tu dat cho cac co quan chuc nang, CIC, cac to chuc tin dung tim toi cac giai phap hop ly de thuc hien xu hudng tat yeu Ba la: Tu viec nghien cuu thuc trang cung cap dich vu thong tin tin dung tai CIC, tac gia da dua nhung danh gia rat sat thuc va toan dien ve ket qua cung nhu ton tai cua hoat dong ( ton tai va nguyen nhan cua ton tai) Dac biet tac gia da tap trung phan tich nguyen nhan phat sinh cua ton tai thuoc ve khau nao? Don vi nao? linh vuc nao? Boi vay noi dung cua phan thuc su la co so thuc tien de tac gia dua cac giai phap o chuong Dieu cho thay viec nghien cuu thuc trang hoat dong duoc tac gia thuc hien khoa hoc va co ket qua cao - Bon la: Tren co so dinh hudng hoan thien hoat dong cung cap thong tin tin dung cua CIC tac gia da dua mot he thong cac giai phap va kien nghi nham nang cao chat luong hoat dong cung cap thong tin tin dung tai CIC co tinh kha thi giai phap duoc de xuat gom: Hoan chlnh mo hinh to chuc; Day manh ung dung khoa hoc cong nghe; Da dang hoa san pham; Hoan thien thu thap va xu ly thong tin; Hoan thien quy trinh cong bo thong tin; Tang cudng hoat dong giam sat va mot so giai phap ho tro Cac giai phap deu co the ung dung o tung thdi diem va linh vuc cu the 6- Nhung han che cua luan van: 86 ke tir giao dich hoac tai thai diem TCTD biet thay doi dugc thuc hien Cac TCTD bao cao thong tin phap ly cua khach vay va ho so cong ty tai thai diem giai ngan Cac noi dung tai thai diem bao cao ban dau co the thay doi qua trinh phat trien kinh doanh • l inh xac thuc cua bao cao tai chinh Tinh xac thuc cua bao cao tai chinh (BCTC) bao gom Bang can doi ke toan, Bao cao lai 16 va Bao cao luu chuyen tien te cung dugc yeu cau nhu mot cong cu ca ban de danh gia tinh trang tai chinh cua khach vay Noi each khac, du lieu BCTC cung cap nhung thong tin quan de danh gia tinh hinh tai chinh (bang BCDKT) va ket qua kinh doanh (theo BCKQKD) cua doanh nghiep Xet tam quan cua du lieu BCTC, cac bao cao phai dugc xem nhu mot co so du lieu rieng biet ben canh cac du lieu chinh khac danh muc cho vay cho bao cao TCTD va CIC • Cac thong tin lien quan anh huong tdi tinh hinh tai chinh cua khach vay Thong tin ve nhom cong ty dugc hgp nhat he thong CIC Tuy nhien, tinh hinh vay von cua chu sd huu cong ty khong dugc hgp nhat Tinh hinh tai chinh cua chu sd huu thuong anh hudng true tiep va gian tiep den tinh hinh kinh doanh cua cong ty Viec hgp nhat thdng tin tai chinh cua chu sd huu de danh gia cac cong ty co quy mo nho nhu cong ty vira va nho va cong ty mot vien la dac biet quan trgng vi qua thai gian, cac khoan vay cho cac chu sd huu tren thuc te dugc su dung cho viec kinh doanh tai chinh cua cong ty r 3.2.6 Hoan thien quy trinh va phuong thuc cung cap thdng tin CIC can xem xet viec thiet lap cac lien ket du lieu hieu qua hon giua CIC va cac to chuc bao cao du lieu Thiet lap mot he thdng lien ket hieu qua se dong gop nhieu viec giam nhe ganh nang cho cac TCTD va CIC va de giam but su chong cheo bao cao giua cac ben Mang ludi CNTT phat trien se khong chi cho phep tat ca cac TCTD gui bao cao tdi Ngan hang Nha nudc va tdi CIC qua mang, ma cho phep cac TCTD su dung thdng tin dugc luu tru cac kho du lieu cua CIC de dieu tra va phan tich Theo do, de bao dam tin cay cua mang ludi thdng tin nay, CIC can thiet lap cac quy tac rd rang theo nguyen tac trao ddi lan viec su dung du lieu 87 va ca che bao mat sir dung he thong bao mat tien tien Ben canh viec xay dung lien ket va su dung bao cao hieu qua nhu tren, CIC phai tap trung hoan thien quy trinh nghiep vu cua tung phdng ban, xay dung he thong kiem soat noi bo de giam sat chat che hoat dong nham phat sinh sai sot va r \ khac phuc kip thai nham ngan chan nhung tac hai to lon linh vuc nhay cam nhu hoat dong cung cap thdng tin Song song vdi giai phap hien dai hoa CNTT, CIC can day manh xay dung phuong thuc cung cap hieu qua han, co the cho phep doi tuong sir dung thdng tin truy cap true tiep vdi ca kho du lieu hoac dong thdi nhieu module du lieu khac de cd the cho phep chon thdng tin dau theo yeu cau (ket hop nhieu tieu chi, thdng ke ) Ben canh do, CIC phai dau tu cho he thdng may chu luu gi£r de thiet lap luu gitr bao cao hau truong nham thdng bao ngan chan cac yeu cau hdi tin trung lap cua cung cac don vi hdi tin nham giam thieu chi phi cho ngudi dung 3.2.7 Tang cud'ng phat trien cac dich vu gid tri gia tang Cac dich vu gia tri gia tang la nhom san pham phuc vu cho quan tri rui ro cua cac TCTD, hudng tdi phat trien dich vu ho tro va xay dung cdng cu quan ly vong ddi cua khach hang vay cho cac TCTD Nhung dich vu yeu cau phai vao du lieu bang tay, xu ly du lieu va phan tich cac dtr lieu tho hien cd the dua nhung cdng cu cd the de dang tich hap vao quy trinh chap thuan tin dung va quan ly rui ro cua cac ngan hang Cac dich vu gia tri gia tang tiem nang kha da dang bao gom va khong han che d mot sd loai nhu sau: Dich vu marketing; Ghi diem tin dung; Xu ly don de nghi; Giam sat danh muc; Phat hien gian lan; Thu thap Cac du lieu tin dung tho cd the rat cd ich tung dich vu, nhien, ngudi cho vay can nhieu thdi gian, nhieu nguon luc va chuyen gia de phan tich va hieu dtr lieu Cac dich vu gia tri gia tang dung nhieu ky thuat tir viec tdng hop va tham khao cheo cac du lieu don gian den viec dung cac thuat toan thdng ke phuc tap de tao san pham cung cap cho nhung ngudi cho vay vdi mot each giai thich dan gian ddi vdi thdng tin thu duoc (vi du diem rui ro) Vdi khoi luong ldn cac quyet dinh thudng xuyen can quan ly danh muc ban le chi tiet(vi du cap/ttr choi han muc cho vay, phe duyet vuot han mure, ban 88 cheo/ban phat mai tai san, cac hoat dong qua khu), nhieu nguoi cho vay da chuyen sang phan tich tu dong nhu la mot cong cu hieu qua, nhung cac du lieu tho dudi dang cac bao cao tin dung se cue ky kho tich hop vao he thong Tuy nhien, nhieu loai dich vu gia tri gia tang (vi du he thdng xu ly don yeu cau va nhung danh gia rui ro hanh vi) hoan toan thich ung voi viec ket hop vao cac he thdng tu dong Phat trien dich vu gia tri gia tang dem lai loi ich cho ca cac trung tam va cac khach hang va cuoi cung la nang cao kha nang tiep can den cac nguon tai tro cho nhieu ngudi hon Ngoai cac dich vu tren, CIC nen phat trien them dich vu hd tro phong chong gian lan, thu hoi no, cd the lien ket vdi cac to chuc quoc te de xay dung Dich vu dupe phat trien giup TCTD phong tranh dupe gian lan, bao gom tham chieu cheo hd so, su dung cac quy tac logic, ghi diem va co sd du lieu da dupe tang cudng de xac dinh gian lan don xin vay; dich vu cd the dupe thuc hien dinh ky hoac dot xuat qua he thdng website cua CIC 3.3 Mot so de xuat kien nghi 3.3.1 Kien nghi vai CIC 3.3.1.1 Mo hinh to chuc Co cau lai to chuc hien hanh cua CIC dupe kien nghi nhu sau: - Tang sd luong nhan vien Phong thu thap va xu ly thdng tin - de kiem tra dtr lieu da thu thap va dua mot he thdng xac minh de ddi chieu sd lieu tong hop - Tang cudng Phong cung cap thdng tin MB va MN de thu thap nhieu hon nua cac thdng tin tieu cue va cung cap du lieu ve kha nang vo no cua khach vay - Md rong Phong Nghien cuu & Phat trien de phat hanh Bao cao phan tich nganh cho cac can bo tin dung tat ca cac nganh - Phat trien phong hd tro khach hang va cung cap dich vu tu van cd he thdng cho cac TCTD - Ben canh nhung muc tieu cu the nay, cac phong ban khac cung can thiet phai xem xet lai cac hoat dong hien tai va tang cudng tinh hieu qua cac hoat dong hang d mdi bo phan: Vi du, Van Phong xem xet lai chuong trinh dao tao va luan chuyen nhan su cd he thdng, Phong Cdng nghe thdng tin xem xet lai phan 89 mem ung dung, thiet lap he thong lien ket/mang ludi hieu qua de tang kha nang luu tru du lieu va kha nang xu ly, yeu cau an ninh va ke hoach du phdng 3.3.1.2 Ve nguon nhan luc Viec phat trien nguon nhan luc vdi cac chuong trinh dao tao cd he thdng nen \ x r ■> > la mot nhung uu tien hang dau can duoc giai quyet Phat trien nguon nhan luc gom ba phan: (i) Dao tao nhan vien CIC ve cac van de chuyen mon, (ii) ve phat trien nang luc lien quan tdi cong nghe thdng tin va (iii) cac nhu cau dao tao nhan vien cua TCTD bao cao Dac biet quan tam se la hieu qua cua he thdng luan chuyen can bo trung han, cung nhu trao doi nhan vien tam thdi, ca tren cor sd ngan han, vdi cac ben lien quan khac nhu Ngan hang Nha nudc, Tong cue Thdng ke, hoac tham chi vdi Phdng Thuong mai va Cong nghiep Viet Nam Viec luan chuyen can bo cd hieu sau hon ve tinh hinh thuc te cua cac ben lien quan cua CIC Nang cao nhan thuc ve tam quan cua bi mat thdng tin duoc coi la mot nhung yeu cau cot loi ddi vdi cac nhan vien cua CIC, nhan biet duoc tam quan cua uy tin tra no va rui ro danh tieng cd the xay Cuoi cung, gidi thieu yeu cau cong viec rd rang horn vdi mot cor che tien luong minh bach cho cac nhan vien CIC se nang cao hon nua dong luc cua cac nhan vien so vdi cac to chuc chinh phu khac va tang cudng nang luc cua CIC tuong lai sap tdi 3.3.1.3 Day manh ung dung cong nghe Can sdm xay dung va hoan thien he thdng tang cong nghe thdng tin, bao gom phan cung, phan mem, he thdng du phdng, he thdng mang va duong truyen bao dam viec thu thap, xu ly, luu giu, tao lap, cung cap san pham, dich vu tu dong hoa 24/24 va 7/7; nghien cuu ung dung dua vao mot sd chuan cua cac md hinh ung dung chuan quoc te nhu xep hang doanh nghiep, cham diem tin dung Tang cudng tinh an toan bao mat cua he thdng du phdng chia se hoat dong va luu tru du lieu cua CIC Day manh thuc hien cau phan cua “Du an He thdng thdng tin quan ly cua 90 NHTW, CIC va DIV FSMIS” Viec hien dai hoa he thong tin hoc cua CIC hien chu yeu dua vao viec trien khai ung dung cau phan cua Du an 3.3.1.4 Ve thu thap thong tin Tang cuong chuc nang cua Phdng thu thap & xu ly thong tin de nang cao chat luong du lieu thu thap duoc su dung cac du lieu dudi day nhu la nguon thong tin bd sung quan trong: - Khuon khd phap ly va cac quy dinh doi vdi thiet lap khuon khd trao ddi thong tin hieu qua giua cac td chuc lien quan, bao gom du lieu co so nganh cong khai nhu tai san, vat dam bao va tai san dang ky, CMTND quoc gia, va du lieu dang ky cu tri, du lieu toan va toan thue cho cac tien ich va cac dich vu dien thoai, bao hiem o to va nhan va cho thue neu co the - Co so du lieu bao cao tai chinh bao gom cac BCTC da duoc kiem toan cua Tdng cuc thue (GDT), Tdng cuc thong ke (GSO), Thi truong chung khoan (SEC) va Phdng Thuong mai va Cong nghiep Viet Nam (VCCI) - Dua co che uu dai va/hoac khong khuyen khich de giup cho cac TCTD cap nhat thong tin dung cach A 3.3.1.5 ve gia cua cac loai hinh san pham CIC la mot td chuc cong hoat dong phi loi nhuan, su dung chien luoc gia co ban, o doanh thu bu dap duoc toan bo cac chi phi de hda von Nhu quan sat o mot so nudc, Co quan thong tin tin dung cong nen cung cap dich vu theo nguyen tac khong tinh phi hoac tinh phi du de bu dap chi phi Theo nghia nay, gia hien tai cua cac san pham cua CIC la hoan toan phu hop CIC duoc yeu cau phai doc lap hon ve tai chinh va khong nhan su hd tro tu NHNNVN tu 2011 Tuy nhien, tren thuc te, rat kho cho CIC co the giam gia cho tat ca cac san pham cung vdi viec CIC duoc ky vong la phai nang cao chat luong dich vu khach hang CIC khong thuc hien giam gia duoc cho tat ca cac san pham, nhung doi vdi nhung san pham dich vu loi, sau xay dung duoc quy trinh cap tin tu dong, giam dang ke duoc nguon nhan luc phuc vu cho nhom san pham nay, CIC cung nen can nhac giam bdt gia thanh, dac biet doi vdi nhom doi tuong su dung o cac tinh vung 91 sau vung xa, nhom doi tuong co nguon loi nhuan thap Song song vdi de nghi giam gia, CIC nen thuc hien long ghep cac chuung trinh tang thuung, ton vinh cho cac dun vi hoat dong tich cue ca cdng tac bao thdng tin, su dung bao cao va hup tac kiem soat lai thdng tin 3.3.2 Kien nghi vdi cac TCTD - Cac TCTD phai thuc hien day du cac qui dinh tai Thdng tu sd 16/2010/TTNHNN 25/6/2010 Hudng dan thi hanh Nghi dinh so 10/2010/ND-CP 12/02/2010 cua Chinh phu ve hoat dong thdng tin tin dung va Thdng tu 03/2013/TT-NHNN 28/01/2013 quy dinh hoat dong thdng tin tin dung cua NHNN Hoi su cac TCTD phai co van ban chi dao hudng dan trien khai thuc hien nghiep vu Thdng tin tin dung tdi cac chi nhanh va cac dun vi true thuoc he thdng Cac Hoi sd cac TCTD thuc hien tot vai tro dau mdi tap trung cua TCTD ddi vdi hoat dong Thdng tin tin dung, thuc hien bao du lieu theo quy dinh kip thdi, trung thuc de hd tru CIC hoan thien kho du lieu quoc gia day du, cap nhat Ngoai cac TCTD can phai co nhung che tai bat buoc doi vdi viec su dung thdng tin tinh dung viec hd tru hoat dong kinh doanh cua don vi minh nham giup giam tdi thieu rui ro hoat dong kinh doanh, dong thdi nang cao nhan thuc cua can bo va khach hang ve hoat dong thdng tin tin dung - Thuung xuyen kiem tra, don doc cac chi nhanh, don vi true thuoc bao cao day du, chinh xac, kip thdi TTTD ve hoi sd de tong hup gui dtr lieu ve CIC theo Thdng tu 03/2013/TT-NHNN 28/01/2013 quy dinh hoat dong thdng tin tin dung cua NHNN ve che thdng tin bao cao ap dung ddi vdi cac dun vi true thuoc ngan hang va cac TCTD, de CIC tang cudng day manh chat luung thdng tin cua cac bao cao TTTD - Sap xep can bo, trang bi thiet bi, phan mem, mang may tinh thich hup he thdng va ket noi vdi NHNN de dam bao viec bao cao, khai thac su dung thdng tin tin dung thuan lui - Cac TCTD tang cudng hup tac hd tru hun ntra vdi CIC qua trinh kiem tra, sua ddi thdng tin bao cao phat hien sai sot de hoan thien chat luung noi dung bao cao 92 r 3.3.3 Kien nghi voi Ngan hang Nha nudc - Thuc hien che tai xu phat nghiem minh doi vdi nhung TCTD khong thuc hien tot viec bao cao va khai thac su dung thong tin tin dung, gan ket qua viec thuc hien Thdng tu 03/2013/TT-NHNN 28/01/2013 quy dinh hoat dong thdng tin tin dung cua NHNN vdi viec xem xet thi dua khen thudng cua NHNN - Can cd nhung dieu chinh thu phi khai thac su dung thdng tin tin dung cho hop ly, dac biet la phi cua cac loai hinh san pham tryen thdng de hd tro cac don vi sir dung, dac biet la cac quy tin dung, cac to chuc tai chinh vi md, gop phan thuc day he thdng Thdng tin tin dung phat trien - Dac trung cua hoat dong thdng tin tin dung la ddi hoi tang ky thuat ve cong nghe thdng tin day du vi the Ngan hang Nha nudc nen manh dan dau tu hon ntra ca ve nguoi, may moc, thiet bi, trang bi tri thuc cho nghiep vu thdng tin tin dung theo hudng hien dai hoa de hoat dong thdng tin tin dung tiep can hoi nhap duoc vdi mdi trudng quoc te nham tiep thu duoc nhieu hon tri thuc, kinh nghiem va cong nghe cua cac nudc phat trien phuc vu tot hon cho hoat dong ngan hang Viet Nam - Ngan hang Nha nudc lam dau mdi chi dao cung cac co quan quan ly phoi hop vdi CIC de thuc hien viec thu thap thdng tin, dac biet la thdng tin tai chinh doanh nghiep, no thue, pha san hop nhat, tren co sd hoan thien kho du lieu thdng tin, lam co sd de CIC phat trien them cac bao cao quan khac r 3.3.4 Kien nghi vdi Chinh phu, Nha nwo'c - Chinh phu can cd chinh sach khuyen khich thdng tin minh bach hoac cd hoac thdng qua viec day manh hoat dong cua cac to chuc kiem toan doc lap d Viet Nam Qui dinh mot he thdng ke toan thdng nhat va dong bo, thuc hien kiem toan bat buoc ddi vdi tat ca cac doanh nghiep Hien nay, cong tac quan li Nha nudc ve Luat Ke toan ddi vdi cac doanh nghiep chua duoc chu y dung muc, nhat la ddi vdi cac doanh nghiep phi nha nudc Trong cong ty kiem toan cua nha nudc rat non tre, doi ngu can bo cd it kinh nghiem Vi vay, Nha nudc can ban hanh nhung 93 r r r t sac lenh di kem vdi cac che tai bat buoc de moi doanh nghiep phai ap dung mot each thdng nhat, dong bo che ke toan thdng ke va thdng tin bao cao, che ke toan phai trung thuc day du Ben canh do, Nha nudc can phai ban hanh qui che bat buoc kiem toan va cdng khai quyet toan cua doanh nghiep Viec thuc hien kiem toan phai duoc tien hanh thudng xuyen, nhung tai lieu can doi ke toan va ket qua kinh doanh cua doanh nghiep phai duoc kiem toan trudc, va sau qua trinh phan tich, danh gia bao cao tai chinh doanh nghiep hoat dong tin dung cua ngan hang Nha nudc cung can qui dinh rd nhung bien phap che tai, bien phap xu If nghiem minh cac trudng hop doanh nghiep cung cap thdng tin gia, su dung dong thdi hai loai can ddi de nham muc dich dua cac doanh nghiep vao khuon khd hoat dong va canh tranh lanh manh Cd nhu vay, mdi cd duoc cac thdng tin trung thuc, can thiet cho viec danh gia, phdng ngtra rui ro Qua nang cao hieu qua cua cdng tac phan tich, xep hang doanh nghiep De tao dieu kien cho doanh nghiep thuc hien kiem toan, Nha nudc can cung cd va md rong mang ludi cac co quan kiem toan hon nua Hien nay, sd luong cac doanh nghiep ldn nho d nudc ta rat nhieu song sd luong cac cdng ti kiem toan chua dap ung duoc nhu cau thuc hien kiem toan cua cac doanh nghiep Vi vay viec md rong kiem toan la mot viec het sue can thiet cho mot su phat trien lanh manh va an toan lau dai cua cac phan kinh te Ben canh Nha nudc can tao lap mdi trudng phap li on dinh, dac biet cac qui che phap luat lien quan den dau tu, san xuat kinh doanh, tai chinh ke toan, xu li tranh chap Dieu tao dieu kien cho doanh nghiep yen tam dau tu kinh doanh, khach hang noi chung va cdng tac phan tich bao cao tai chinh doanh nghiep vay von noi rieng Ddi vdi cac doanh nghiep Nha nudc, Chinh phu can giam bdt cac ho trg de cac doanh nghiep dan tung budc tu chu hoat dong san xuat kinh doanh cua minh Khong nen cd nhung chinh sach phan biet doi xu giua doanh nghiep Nha nudc va doanh nghiep phi Nha nudc ma phai de cho cac ngan hang dugc quyen cdng bang xet hai phan dua theo nhung tieu chuan danh gia thuc te 94 Chang han co qui dinh cong bang hon ve cac tieu chuan xep hang doanh nghiep, ve viec su dung tai san the chap vay von - Chinh phu can tao dieu kien ve moi truong phap ly cho cac to chuc hoat dong dich vu thong tin phat trien manh me hon de cung cap thong tin ve doanh nghiep cho cac NHTM, va cung cap thong tin ve nganh, dac biet la thong tin ve cac chi so trung binh nganh, day la cac chi tieu chuan phuc vu cho qua trinh danh gia, xep hang doanh nghiep ma hien dang rat khan hiem tren thi truong thong tin b Viet Nam - Chinh phu can tao dieu kien cho cac cong ty xep hang doanh nghiep d Viet Nam doi va phat trien de cung cap thong tin cho thi truong tin dung, thi trubng chung khoan, qua thuc day thi trubng tai chinh phat trien ben vung Khi co cac cong ty doi thi CIC co them nguon thong tin de so sanh, kiem chung ket qua xep hang noi bo cua minh va dieu chinh dan phuong phap de ket qua cang sat thuc te hon - Nha nuoc can sbm ban hanh luat thdng tin va Chinh phu can co van ban phap quy qui dinh quan he phoi hop cung cap va su dung thong tin giua cac bo, nganh 95 KET LUAN • Xuat phat tir nhung van de trinh bay cua luan van, cho thay viec quan tam chu tdi hoat dong cung cap dich vu thdng tin tin dung la viec lam het sue can thiet, viec tap trung dau tu nhan tai, nguon luc cho hoat dong xep hang doanh nghiep he thdng Ngan hang Viet Nam la hoan toan phu hop thuc te khach quan cua tong the nen kinh te Trong gidi han cac muc tieu ma luan van da trinh bay, luan van da nghien cuu cu the cac van de co ban cua hoat dong cung cap dich vu thdng tin tin dung bao gom: quy trinh thu thap xu ly, luu giCr bao mat thdng tin tin dung; quy trinh tao lap bao cao, quy trinh cung cap bao cao, cac phuong thuc cung cap Dua tren kinh nghiem cua mot sd nudc phat trien cd hoat dong thdng tin tin dung lau ddi, nghien cuu thuc trang hoat dong tai CIC de danh gia ket qua dat duoc, nhung vudng mac ton tai Luan van da khai quat hoat dong cung cap thdng tin tin dung tai CIC, neu bat duoc y nghia, chuc nang cua tung loai san pham, lam ro cac chi tieu thu thap dugc kho du lieu, trinh bay va phan tich quy trinh cung nhu phuong thuc ma CIC hien dang ap dung de cung cap dich vu thdng tin tin dung Tu dd ket hop vdi cac danh gia, yeu cau cua khach hang tu khao sat dieu tra de tim uu diem, nhugc diem va nguyen nhan cua van de Luan van cung da dua dugc cac giai phap va kien nghi de hoan thien hon ve hoat dong cung cap thdng tin tin dung tai CIC nhu md rong nguon thu thap thdng tin va xu ly nguon thdng tin dau vao, hoan thien quy trinh va bo sung them phuong thuc cung cap thdng tin, phat trien dang dang san pham dac biet la dich vu gia tri gia tang Luan van cung dua mot sd kien nghi de cd mdi trudng phap ly dong bo thuc day va tao dieu kien cho hoat dong cung cap dich vu thdng tin tin dung cang di vao thuc tien, gop phan lanh manh hoa hoat dong ngan hang noi chung va kinh doanh tin dung noi rieng cung nhu phat trien kinh te mot each ben vung 96 TAI LIE U THAM KHAO • Luat Ngan hang Nha nuoc Viet Nam: nam 2010 - Nha xuat ban chinh tri quoc gia Luat cac To chuc tin dung: nam 2010- Nha xuat ban chinh tri quoc gia Ngan hang Nha nuoc Viet Nam: Nam 2007 - Quyet dinh 51/2007/QD-NHNN 31/12/2007 V/v ban hanh qui che hoat dong thong tin tin dung Ngan hang Nha nuoc Viet Nam: Nam 2007 - Quyet dinh so 47/2007/QD-NHNN 25/12/2007 cua Ngan hang Nha nuoc Viet Nam ve muc thu dich vu thong tin tin dung Ngan hang Nha nuoc Viet Nam: Nam 2013 - Thong tu 03/2013/TT-NHNN 28/01/2013 Quy dinh ve hoat dong thong tin tin dung cua ngan hang Nha nuoc Viet Nam Ngan hang Nha nuoc Viet Nam: Nam 2013 - Thong tu so 02/2013/TT-NHNN 21/01/2013 quy dinh ve phan loai tai san co muc trich, phuong phap trich lap du phong rui ro va viec su dung du phong de xu ly rui ro hoat dong cua to chuc tin dung chi nhanh ngan hang nuoc ngoai Ngan hang Nha nuoc Viet Nam: Nam 2014 - Quyet dinh so 324/QD-NHNN 26/02/2014 Quy dinh chuc nang, nhiem vu, quyen han va co cau to chuc cua Trung tam Thong tin tin dung Quoc gia Viet Nam International Finance Corporation (Word Bank Group) (2006), So tay kien thuc ve Trung tam Thong tin Tin dung r f r Ngan ■ hang Nha nuoc Viet Nam (2011) , Chien luffc phat trien cua he thong ngan ■ hang Viet Nam giai doan 2011 - 2020 10 Ngan hang The gioi (2011), Cac quy tac chung cho bao cao tin dung 11 Ha Thi Thieu Dao (2013), “Tai cau truc he thong ngan hang Viet Nam 2011 r y v r y y 2013 va nhung van de dat ra” Tuyen tap bai viet ve Tien te - Ngan hang Viet Nam nam 2013, trang 226 - 239 12 Tai lieu ve giai phap xep loai tin dung doanh nghiep cua cong ty tu van quoc te KPMG, tai Ha noi nam 2010 13 Trung tam thong tin tin dung Qudc gia Viet Nam - NHNN: Cac bao cao ket qua hoat cung cap dich vu cac nam 2009 - T9/2014 va ke hoach nam 2014 97 14 Trung tam thong tin tin dung Quoc gia Viet Nam - NHNN: 09/2013, Hoi thao quan tri rui ro "Thong tin tin dung vdi hoat dong quan tri rui ro cua cac To chuc tin dung" 15 Trung tam Thdng tin tin dung Quoc gia Viet Nam: (2013), De an Phat tridn Trung tam Thdng tin tin dung Quoc gia Viet Nam den nam 2015 va dinh hudng ddn 2020 16 Trung tam Thdng tin tin dung Quoc gia Viet Nam: (2013) Cdng van sd 671/TTTD-NCPT 22/11/2013 hudng dan cac td chuc tai chinh vi md va Quy tin dung nhan dan bao cao thdng tin tin dung theo Thdng tu 03/2013/TT- NHNN 20 Trung tam thdng tin tin dung Quoc gia Viet Nam: Nam 2009 - Quyet dinh sd 169/QD-TTTD 01 thang 12 nam 2009 cua Trung tam thdng tin tin dung ve Quy trinh Giai quyet khieu nai san pham, dich vu thdng tin tin dung 21 Vien Nghien cuu Kinh te Nhat Ban (JERI Inc.) (2011/ Du an tdng cudng nang luc Ca quan dang ky Thdng tin tin dung cdng tai Viet Nam Nam nguyen tac chung cua Bao cao tin dung[Truc tuyen] Viet Nam: Cdng ty CP Thdng tin tin dung Viet Nam Dia chi: http://pcb.vn/tai-lieu/tai-lieu-thamkhao/128-nam-nguyen-tac-chung-cua-bao-cao-tin-dung.html [Truy cap: 23/8/2014], 22 Le QuocHoi 2013 Tai cau true he thdng ngan hang Viet Nam: Thuc trang nam 2012 va trien vong nam 2013 [True tuyen], NHNN Viet Nam Dia chi: http://www.sbv.gov.vn/portal/contentattachfile/idcplg;jsessionid=sblVTZjQpd vvrV032GjZnXbQwTttXrp2VnG6ZxnvcYJh77QvZyV5!2010750869!1194366112?dID=487256&dDocName=CNTHWEBAP01162509290&Renditi on=le%20quoc%20hoi.doc&filename=T214 le%20quoc%20hoi.doc.[Truy cap: 19/08/2014], 23 Evan Hendricks (2007), Credit Scores and Credit Reports 3rd ed: How The System Really Works, What You Can Do? 24 European Central Bank (2010), Memorandum of understanding on the exchange of information among National central credit registers for the purpose ofpassing it on to reporting institutions 98 PHU LUC • • PHIEU HIEU TRA CHAT LUONG CUNG CAP SAN PHAM DICH YU - , - - Thong tin ngudi dien phieu Thong tin ve dan vi su dung' dich vu Ho ten: Ten don vi: Chuc vu: Dien thoai: Dia chi: Email: So luong user: " 7 (Danh dau X vao cau tra lai tuang ung, dau o chi chon cau tra lai, dau □ co the chon nhieu cau tra lai) A.DIEU TRA CHAT • LUONG SAN PHAM ' DANG SU DUNG Dan vi hien dang su dung nhung san pham nao tu CIC? □ Bao cao quan he tin dung the nhan & □ San pham ho tro hoat dong marketing tim kiem phap nhan khach hang □ Bao cao Xep hang, cham diem tin □ San pham phuc vu quan ly, giam sat danh muc cho dung vay: □ Bao cao doanh nghiep nuoc ngoai □ Dich vu tu van giai phap quan tri rui ro Danh gia vetinh chinh xac cua thong tin san pham cua CIC? o Thong tin cotinh chinh xac, cap nhat cao o Thong tin cotinh chinh xac, cap nhat trung binh o Thong tin cotinh chinh xac, cap nhat thap Cac chi tieu cu the thuong thieu tinh cap nhat, chinh xac (neu co) : Danh gia ve bao phu du lieu cua CIC? o Du lieu CIC co bao phu rong o Du lieu CIC co bao phu trung binh o Du lieu CIC co bao phu thap Y kien bo sung: Danh gia ve hieu qua cua viec su dung san pham thong tin tin dung tu CIC? o Rat cao o Cao o Trung Binh o Thap o Rat thap Dan vi su dung san pham cua CIC vao nhung muc dich nao? □ Quan ly nha nuoc □ cap tin dung □ Quan tri rui ro 99 □ Danh gia doi tac □ Quan ly danh muc khach hang vay □ Khac CIC nen cai thien hinh thuc, noi dung cua san pham hien co nao? Thong tin cu the can thay doi, bo sung: Dem vi mong muon CICphat trien them san pham mdi nao? Cac chi tieu cu the cho san pham: DIEU TRA CHAT LUONG CUNG CAP SAN PHAM DICH VU B _ Hinh thuc truy cap hoi tin cua dem vi? □ Truy cap qua website □ Duong van ban □ Hoi tin theo 16 Dan vi muon truy cap theo hinh thuc khac khong? o Khong o Co, cu the Muc thuan tien cua phuong thuc hoi tin qua cac website cua CIC? o Giao dien, chuc nang cac website ro rang, de thao tac su dung o Giao dien, chuc nang cac website ro rang, nhien thieu tinh lien ket o Giao dien, chuc nang cac website thieu ro rang, kho su dung, thieu tinh lien ket Y kien bo sung: Dem vi muon CIC ket hop cac website rieng biet vao mot website chung khong? o Co o Khong Toe trd ldi tin trung binh? o Ngay tuc thoi o Trong vong 5-7 o Trong vong o Sau tuan trd len Thdi phuc vu qua trinh sir dung dich vu: o Nhan vien CIC luon san sang ho tro voi thai nhiet tinh, chuan muc o Nhan vien CIC hop tac ho tro, nhung van thieu tinh kip thoi o Nhan vien CIC thieu hop tac voi khach hang (bo phan cu the: ) Y kien bo sung: 100 Muc gid san pham: o Cao o Vira phai o Thap Y kien bo sung: Don vi co khai thac thdng tin tin dung ff to chuc nao khac ngoai CIC khdng? o Khong o Co (xin vui long chia se ten cong ty : )