Mở rộng việc ứng dụng thẻ ngân hàng trên địa bàn thành phố Cần Thơ

Label5 Label4 BỘ GIÁO DỤC VÀ ĐÀO TẠO TRƯỜNG ĐẠI HỌC KINH TẾ TP HỒ CHÍ MINH - - Label3 Label2 Label1 ĐOÀN THỊ YÊN VY MỞ RỘNG VIỆC ỨNG DỤNG THẺ NGÂN HÀNG TRÊN ĐỊA BÀN THÀNH PHỐ CẦN THƠ Chuyên ngành: Kinh Tế - Tài Chính - Ngân Hàng Mã số: 60.31.12 LUẬN VĂN THẠC SĨ KINH TẾ Người hướng dẫn khoa học: PGS,TS TRẦN HỒNG NGÂN TP HỒ CHÍ MINH – NĂM 2008 LỜI CAM ĐOAN Tôi xin cam đoan Luận văn Thạc sĩ kinh tế tơi nghiên cứu thực Các thông tin, số liệu sử dụng Luận văn trung thực xác Tác giả Đoàn Thị Yên Vy DANH MỤC CÁC BẢNG Bảng 2.1: Tốc độ phát triển tổng sản phẩm địa bàn Thành phố Cần Thơ (GDP) 29 Bảng 2.2: Số lượng phát hành thẻ nội địa thẻ quốc tế Ngân hàng Ngoại Thương chi nhánh Cần Thơ 34 Bảng 2.3: Tình hình phát hành thẻ quốc tế thẻ nội địa Ngân hàng Eximbank Cần Thơ 37 Bảng 2.4: Doanh số toán thẻ Eximbank Cần Thơ 38 Bảng 2.5: Kết từ dịch vụ thẻ quốc tế mang lại so với doanh số toán 38 PHẦN PHỤ LỤC Bảng 1: Độ tuổi lĩnh vực làm việc khách hàng sử dụng thẻ tốn Bảng 2: Nguồn thơng tin khách hàng Bảng 3: Mức thu nhập /tháng Bảng 4: Những tiêu chí chọn sử dụng dịch vụ thẻ Bảng 5: Những tiện lợi mang lại sử dụng thẻ Bảng 6: Rủi ro giao dịch thẻ Bảng 7: Nhân tố ảnh hưởng đến định lựa chọn ngân hàng sử dụng thẻ Bảng 8: Bảng tổng hợp đề xuất khách hàng nhằm nâng cao tiện ích sử dụng thẻ DANH DANH MỤC CÁC BIỂU ĐỒ Biểu đồ 2.1: Tỷ trọng tổng sản phẩm theo khu vực kinh tế 29 Biểu đồ 2.2: Tỷ trọng tổng sản phẩm theo thành phần kinh tế 30 Biểu đồ 2.3: Giá trị sản xuất (GO) TPCT năm 2007 phân theo khu vực 31 Biểu đồ 2.4: Tình hình huy động, cho vay địa bàn thành phố Cần Thơ 32 Biểu đồ 2.5: Số lượng phát hành thẻ nội địa thẻ quốc tế Vietcombank Chi nhánh Cần Thơ 35 Biểu đồ 3.6: Doanh số toán thẻ Vietcombank chi nhánh Cần Thơ 35 DANH MỤC HÌNH Hình 1: Thẻ từ Hình 2: Thẻ thông minh tiếp xúc Hình 3:Thẻ thơng minh khơng tiếp xúc TÀI LIỆU THAM KHẢO Lê Văn Tề - Trương Thị Hồng (2005), Thẻ toán quốc tế việc ứng dụng thẻ toán quốc tế Việt Nam, Nhà xuất trẻ Nguyễn Lan Phương, Phát triển thị trường thẻ toán Việt Nam, Luận án thạc sĩ, năm 2005 Báo Vietnamnet số năm 2005-2006-2007 Báo Tuổi trẻ, 06/02/2006, Thẻ ngân hàng tiện ích Báo cáo tổng kết Ngân hàng Ngoại Thương Việt Nam – Chi nhánh Cần Thơ, năm 2007 Hiệp hội ngân hàng Việt Nam, Báo cáo tình hình hoạt động năm 2006, 2007, Tài liệu lưu hành nội Tạp chí “Ngân hàng” năm 2006-2007 (đơn vị quản lý: Ngân hàng Nhà Nước) Tạp chí “Khoa học đào tạo ngân hàng” năm 2006-2007 (đơn vị quản lý: Học viện Ngân hàng) Tạp chí “Công Nghệ Ngân hàng” số năm 2006 -2007 (đơn vị quản lý: Trường đại học Ngân hàng TP.HCM) 10 Tạp chí “Tài chính” năm 2007 11 “Tình hình kinh tế xã hội Thành phố Cần Thơ năm 2007”, tổng cục thống kê Thành phố Cần Thơ 12 http://www.vneconomy.com.vn; http://www.vnExpress.com.vn MỤC LỤC  Trang LỜI MỞ ĐẦU CHƯƠNG 1: TỔNG QUAN VỀ THẺ THANH TOÁN 1.1 Tổng quan thẻ toán ··································································3 1.2 Lịch sử đời phát triển thẻ tốn ·······································4 1.3 Mơ tả phân loại thẻ toán ··························································6 1.3.1 Khái niệm thẻ tốn ··································································6 1.3.2 Mơ tả thẻ mặt kỹ thuật··································································7 1.3.3 Phân loại thẻ toán ····································································8 1.4 Các chủ thẻ gia vào thị trường ············································11 1.4.1 Tổ chức thẻ quốc tế···········································································11 1.4.2 Ngân hàng phát hành ········································································11 1.4.3 Ngân hàng toán ·······································································12 1.4.4 Cơ sở chấp nhận ···············································································12 1.5 Một số thiết bị ứng dụng toán thẻ········································13 1.5.1 Máy chà hoá đơn ··············································································13 1.5.2 Máy cấp phép tự động·······································································13 1.5.3 Máy rút tiền tự động ATM································································13 1.5.4 Điện thoại – Telex ············································································13 1.6 Một số thuật ngữ cần thiết ·····································································14 1.6.1 Tài khoản thẻ ···················································································14 1.6.2 Chủ thẻ ···················································································14 1.6.3 Số dư nợ ··························································································14 1.6.4 Hạn mức tín dụng ············································································14 1.6.5 Mức trần hay trị số tối đa toán ················································14 1.6.6 Quy trình cấp phép ···········································································14 1.6.7 Quy trình toán hay bù trừ ·······················································14 1.6.8 Danh sách đen ··················································································15 1.6.9 Số PIN ······························································································15 1.6.10 BIN ································································································15 1.6.11 Ngày hiệu lực··················································································15 1.7 Quy trình phát hành tốn thẻ····················································15 1.7.1 Qui trình phát hành ···········································································15 1.7.2 Qui trình chấp nhận toán thẻ ···············································17 1.8 Các nhân tố ảnh hưởng đến việc sử dụng thẻ ·········································19 1.8.1 Yếu tố kinh tế ···················································································19 1.8.2 Yếu tố luật pháp················································································20 1.8.3 Hạ tầng công nghệ ···········································································20 1.8.4 Nhận thức vai trị thẻ ··································································20 1.8.5 Thói quen sử dụng phương thức tốn khơng dùng tiền mặt······20 1.8.6 Độ tuổi người tham gia ·····························································21 1.8.7 Khả sẵn sàng hệ thống ATM dịch vụ cấp thẻ ngân hàng ···················································································································21 1.8.8 Chính sách Marketing đơn vị cấp thẻ··········································22 1.8.9 Ý định sử dụng định sử dụng ··············································22 1.9 Lợi ích việc sử dụng thẻ toán ··················································22 1.9.1 Đối với người sở hữu thẻ ··································································22 1.9.2 Lợi ích Nhà nước, gia đình xã hội·····································23 1.10 Bài học kinh nghiệm cơng tác phát hành tốn thẻ···········24 CHƯƠNG 2: THỰC TRẠNG HOẠT ĐỘNG PHÁT HÀNH, SỬ DỤNG VÀ THANH TOÁN THẺ TRÊN ĐỊA BÀN THÀNH PHỐ CẦN THƠ 2.1 Một số đặc điểm kinh tế xã hội Thành phố Cần Thơ····································26 2.1.1 Vị trí địa lý ····························································································26 2.1.2 Dân số -lao động····················································································26 2.1.3 Những lĩnh vực lợi kinh tế ·······························································27 2.1.4 Kết thực số tiêu kinh tế tổng hợp Thành phố Cần Thơ năm 2007 ···························································································28 2.2.Tình hình phát hành toán thẻ toán số ngân hàng địa bàn Thành phố Cần Thơ ·····················································································32 2.2.1 Hoạt động phát hành toán thẻ toán ngân hàng Ngoại Thương ··············································································································34 2.2.2 Hoạt động phát hành toán thẻ toán ngân hàng Thương mại cổ phần Xuất Nhập Khẩu·············································································37 2.2.3 Rủi ro hoạt động phát hành toán thẻ toán ··············39 2.3 Đánh giá tình hình phát hành tốn thẻ toán địa bàn Thành phố Cần Thơ ······································································································43 2.3.1 Những thuận lợi đạt từ việc phát hành toán thẻ toán ····················································································································43 2.3.2 Những khó khăn từ việc phát hành, tốn thẻ toán ···············45 2.3.3 Một số nguyên nhân chủ yếu làm hạn chế cơng tác phát hành tốn thẻ tốn ·····························································································48 CHƯƠNG 3: MỘT SỐ GIẢI PHÁP GĨP PHẦN MỞ RỘNG VIỆC ỨNG DỤNG THẺ THANH TOÁN TRÊN ĐỊA BÀN THÀNH PHỐ CẦN THƠ 3.1 Đánh giá tiềm phát triển, nhu cầu sử dụng thẻ toán Thành phố Cần Thơ tương lai ·····················································································51 3.2 Một số giải pháp góp phần mở rộng việc ứng dụng thẻ toán địa bàn Thành phố Cần Thơ giai đoạn tới ······························································52 3.2.1 Hoàn thiện sở pháp lý ·······································································52 3.2.2 Nâng cao hiệu tuyên truyền, quảng bá, tiếp thị ································53 3.2.3 Mở rộng mạng lưới toán thẻ hệ thống ngân hàng để tăng doanh số ·························································································································54 3.2.4 Mở rộng đối tượng phát hành thẻ tín dụng quốc tế·············································56 3.2.5 Gia tăng dịch vụ máy·············································································57 3.2.6 Kiên chống giả mạo, gian lận hoạt động toán thẻ··················57 3.2.7 Tăng cường đầu tư đại hố cơng nghệ ngân hàng, phát triển sở hạ tầng ····················································································································60 3.2.8 Đào tạo đội ngũ cán ngân hàng toán thẻ ··································60 KẾT LUẬN LỜI MỞ ĐẦU Thẻ ngân hàng sản phẩm dịch vụ Ngân hàng đại, đa tiện ích, việc thẻ ngân hàng đời làm thay đổi cách thức chi tiêu, giao dịch tốn cộng đồng, xã hội Với tính linh hoạt tiện ích mà mang lại cho chủ thể liên quan, thẻ ngân hàng thu hút quan tâm cộng đồng ngày khẳng định vị trí hoạt động kinh doanh Ngân hàng Mặc dù thẻ tốn trở nên thơng dụng phần lớn nước giới Việt Nam cịn dịch vụ tốn q mẽ chưa nhiều người biết đến Tuy nhiên, năm gần đây, kinh tế Việt Nam có bước tăng trưởng ổn định Đời sống người dân ngày cải thiện, mức sống nâng cao nhu cầu giao dịch với ngân hàng theo mà tăng lên Đứng trước thị trường tiềm vậy, ngân hàng không ngừng đa dạng hoá sản phẩm, nâng cao chất lượng dịch vụ để phục vụ tốt khách hàng thu hút thêm khách hàng tiềm Một sản phẩm phát triển mạnh năm trở lại việc phát hành thẻ tín dụng quốc tế thẻ nội địa Xuất phát từ vấn đề nêu trên, chọn đề tài “Mở rộng việc ứng dụng thẻ ngân hàng địa bàn Thành phố Cần Thơ” để thực đề tài nghiên cứu lĩnh vực ngân hàng, góp phần đưa giải pháp nhằm cải thiện, thúc đẩy nâng cao phát triển dịch vụ thẻ, đưa tiện ích tốn đại, nhanh chóng, an tồn đến với đông đảo người tiêu dùng địa bàn Thành phố Cần Thơ Để thực đề tài nghiên cứu này, thu thập ý kiến thông qua vấn trực tiếp 80 khách hàng sử dụng thẻ toán địa bàn Thành phố Cần Thơ nhằm tìm hiểu mức độ thoả mãn khách hàng dịch vụ thẻ, khó khăn gặp phải sử dụng số đề xuất từ phía khách hàng Trên sở tìm ngun nhân chủ yếu để đưa đề xuất giải pháp với hy vọng góp phần vào việc mở rộng phát triển thẻ toán địa bàn Thành phố Cần Thơ Với nội dung đề tài nghiên cứu, lời mở đầu kết luận, luận án gồm chương: