Vdi ehffe nang, nhiem vu eua Ngan hang thuang mai Nha nudc la huy dpng vdn tff cac td chffc kinh te va dan eu; eho vay vdn ddi vdi khach hang la Doanh nghiep, ea nhan kinh doanh, hp [r]
(1)Bien qui tssig dong ebjiij sMjhh ihoi^ fiii
^ L % gan hang Nong nghiep va Phat trien l ^ k I nPng thPn (Agribank) tinh Cao Bang y A r la dan vi ed mang ludi hoat dpng rpng, gdm 19 diem giao dich Vdi ehffe nang, nhiem vu eua Ngan hang thuang mai Nha nudc la huy dpng vdn tff cac td chffc kinh te va dan eu; eho vay vdn ddi vdi khach hang la Doanh nghiep, ea nhan kinh doanh, hp san xudt; phuc vu toan chuyen tiln nude va ngoai nudc eua tat ea eac khach hang, hoat dpng cua Agribank Cao Bang da gdp phdn hd trp phdt trien KT - XH va thue hien ePng tac an sinh xa hpi dia phuang
Viec ffng dung eong nghe thdng tin (CNTT) hoat dpng ngan hang tai Agribank dupe phat trien tff nam 1990, xudt phat tff yeu edu quan tri ngan hang hien dai ea ehe thi trudng, phat trien cac san phdm dich vu ngan hang tren nin tang CNTT Hien Agribank Cao Bang ed ddy du trang thiet bi ea sd vat chat, ky thuat dap ffng cho viec ffng dung CNTT gdm: 19 dudng truyen sd lieu eho tat ea cac diem giao dich, dd 17/19 diem giao dich ed dudng truyen cua nha eung cap dich vu VTN va EVN, dam bao eho viec truyin sd lieu giao dich dupe thPng sudt; 15 may chu, 425 may vi tfnh trang bi cho tat ea eac ehi nhanh va can bp giao dich ke toan, tfn dung, dich vu Marketing, de giao dich tu dpng theo chuang trinh ket ndi toan toan he thdng tff Trung uang de'n cac chi nhanh
Tff thang 6/2008, Agribank trien khai edng ehuong trinh giao dich tu dpng IPCAS - he thdng toan npi bp va ke toan khach hang, sau dd tiep tue trien khai he thdng Core bank-ing - Ngan hang ldi, de xff ly eac nghiep vu ngan hang tu dpng, tat ca cae thPng tin vl tai
ThS: Linh Dffe Hoang
Gidm ddc Ngdn hdng NN&PTNT Cao Bdng
san, ePng eu, khach hang, he thdng toan dupe quan ly tap trung thd'ng nhat toan he thdng tff khau lap ke hoach, phe duyet ke hoach, thuc hien ke hoach, md hudng di mdi eho viec phat trien eac dich vu ngan hang hien dai, bao gdm:
Nhdm san pham truyin thd'ng: Dich vu tai khoan tiln gui gdm 1.488 tai khoan td ehffe kinh te xa hpi; 68.327 tai khoan tiln gth ea nhan vdi tdng ngudn vdn huy dpng la 1.600 ty ddng; dich vu tai khoan tien vay gdm 250 doanh nghiep, 15 hpp tac xa, 21.000 hp san xuat kinh doanh vdi du np cho vay la 1.425 ty ddng Dich vu toan chuyen tiln binh quan hang thang han 10.000 mdn chuyen tiln di, chuyen tiln de'n he thdng Agribank, ngoai he thdng, toan bu trff qua Ngan hang Nha nude, toan qudc te qua mang SWIFT, toan bien mau vdi Trung Qud'c bang phuang thffc hdi phieu va Intemet banking thdng qua Agribank huyen Phuc Hda va Agribank huyen Tra ITnh
Nhdm san phdm dich vu mdi: Dich vu the ATM eho 31.000 khach hang gdm the ghi ng npi dia, the ghi np qudc te Visa Master Card, the lien ket, dich vu Mobile banking, Intemet banking, vf dien tff Vn mart Dich vu giii tiln nit nhilu nai, khach hang md tai khoan tai Agribank Cao Bang cd the nit tiln tai 2.200 diem giao dich eua Agribank Viet Nam, the ATM eua Agribank ed the rfft tien tai cac may ATM eua lien minh banknet - Smartlink eua hiep hdi the ATM Viet Nam Dich vu thu hp eude viln thdng, tien dien, nude dd'i vdi khach hang ed tai khoan tai Agribank Dich vu toan cha'p nhan the POS tai sieu thi Ngpc Xuan va sieu thi Star cho khach hang dung the ATM
(Xem tie'p trang 12)
(2)nam 2009 ed 13.208 con, tang 1.182 so vdi nam 2008, vuot 4,83% so vdi ke hoach Huyen da quy hoach dupc vffng phat trien chan nuPi tai cae xa: Minh Tam, Tam Kim va cai tao dupe gdn 30% dan bd cdc cua dia phuang bang gid'ng bd U Ndng dan da tu giac nhan rpng dien tfch trdng ed lam thffc an eho gia sffe, manh dan vay vdn ddu tu eho chan nudi bd, bude ddu hinh trang trai chan nudi bd tap trung d cae xa: Ca Thanh, Bae Hop, Tam Kim,
Ben canh nhung ke't qua da dat dupe, Chuang trinh phat trien dan bd cua huyen edn gap mpt sd khd khan nhu: nam 2008 anh hudng eua dpt ret dam, ret hai keo dai, bd bi chet ret 2.141 eon da anh hudng den ket qua phdi gidng; Ndng dan vdn ed tap quan tha rdng nen khdng theo ddi, phat hien kip thdi bd cai dpng due, vay ket qua thu tinh nhan tao dat thap; Dpi ngu can bp khoa hpc ky thult chua dap ffng yeu edu, nhiem vu thue hien cac chuang trinh du an, Vi vay thdi gian tdi, huyen can tiep tue ddy manh edng tac
tuyen truyen, van dpng nhan dan thue hien ePng tac tiem phdng eho dan bd theo dinh ky, md rpng dien tfch trdng cd, tan dung eac phu phdm nPng nghiep nhu: la, than, cay ngd, ram , lam thffc an cho bo; Xay dung thf diem mo hinh chan nuPi theo hudng ban chan tha de ndng dan tham quan, hpc tip; Tang cudng chuyen giao khoa hpc ky thuat eho nong dan nhu: ky thuat trdng, cham sdc, che bie'n, dy tru thffc an cho dan bd, cham sdc nudi dudng, vl sinh ehudng trai;
Hdng Nhung
HIEU QUA IfNG DUNG (Tie'p theo trang 10)
de mua hang hda Dich vu SMS Banking, khdch hang cd the cap nhat thdng tin tai khoan, nap tien di dpng tra trude, toan eude thue bao di dpng tra sau, giao dich chuyen khoan mpi luc, mpi noi
Nhiing cPng hoat dpng kinh doanh eua Agribank Cao Bang ehinh la ket qua eua viec trien khai cdng tac hien dai hda Ngan hang va quan tri Ngan hang hien dai Trong kinh te thi trudng va yeu edu hpi nhap kinh tequde te, ITnh vue CNTT luPn la ye'u td quan trpng khPng the thie'u de tie'p nhan, xff ly thPng tin giao dich khach hang, quan ly tai khoan khach hang dam bao bao mat, chinh xac IJhg dung cd hieu qua CNTT hoat dpng
Ngan hang se la chia khda de Ngan hang phat trien dupe cae san pham dich vu Ngan hang hien dai, phuc vu nhu cdu giao dich toan eua khach hang cang tdt han De tiep tue nang eao hieu qua ffng dung CNTT Agribank Cao Bang, phdt trien Ngan hang thuang mai hien dai, kinh doanh da nang, thdi gian tdi edn thue hien tdt mpt sd giai phap sau:
- Tie'p tue ddu tu trang thie't hi ca sd vat chat ky thuat hien dai, nang cap dudng truyin sd lieu de dam bao tinh dn dinh eua he thdng toan true tuye'n Dao tao dpi ngu can bp du kha nang sff dung tdt cae ffng dung CNTT ITnh vue Ngan hang
- Trien khai hpi thao tmyin hinh giffa Agribank Cao Bdng vdi Agribank Viet Nam de kip thdi nhin ehi dao true tiep vl nghiep vu tff Trung uang, trao ddi nhiing vudng mlc xff ly nghiep vu de tiet kiem thdi gian, ehi phi va nang eao hieu qua edng viec
- Trien khai dich vu ket ndi toan vdi khach hang dua tren edng nghe 3G, Intemet banking vdi cac khdch hang ldn nhu Kho bae Nha nudc, Cue thue, Hai quan, eac doanh nghiep va sff dung cdng nghe xac thuc (PKI) de khach hang ed the giao dich tai tat ca eac dia diem va mpi thdi gian Hpp tac toan dien edng tac toan giua Agribank vdi cae khach hang de eung cdp san phdm dich vu Ngan hang tren nin tang CNTT mpt each ed hieu qua nhlt