He thdng cac TCTD da phat trien da dang vl hinh thiic sd hiiu va loai hinh dich vu; quy md hoat ddng va chat lUdng hoat ddng ngay cang tang; nang life tai chinh, nang life quan tri d[r]
(1)TIEU DIEM
Phd Thong doc NHNN, Nguyin Toan Thang ciing Pho Chu tich UBND TP Ha Not, Hoang Manh Hien chu tri li cStbang khai truang trien lam Banking Vietnam 2010, Hanoi
Vai tro cua cong nghe ngan hang chiin iifoc phat tri§n nganh ngan hang giai doan 2011-2020
TS Nguyen Thi Kim Thanh - Vien trudng Vien Chien luae Ngiin Jiang
ntfdc tad
ua gan 20 nam thtfc hien cac muc Itieu cila ky Chien Itfpc
(1991-2000, 2001-2010), kinh ti - xa hdi "da cd budc tien bd dang ke Cac muc tieu chien Itfpc tiing thdi ky dtfpc hoan lam cho quy md nen kinh te tang nhanh Tdng GDP dat 53,053 ty USD nam 2005 va dtf kiSn gin 100 ty USD vao nam 2010 Mac dii dtfdi tac ddng cila cudc khiing hoang tai chinh va suy thoai kinh te toan cau nam 2008, song ve xu htfdng tdng the, gan 10 nam, thu nhap binh quan diu ngtfdi da tang tii 402USD len hdn l.OOOUSD, ntfdc ta da thoat khdi vi thS ngheo va kem phat trien de dtfdc xep vao hang cac qudc gia va vimg lanh thd cd thu nhap trung binh thap Nang Itfc san xuat, ket cau tang, the va life cila nen kinh te ntfdc ta da cd tien bd vtfpt bac so vdi 10 nam trtfdc Miic sdng cila dai bd phan dan ctf dtfdc cai thien, kinh te vi md cd ban dn dinh cac can ddi ldn cila nen kinh te dtfpc
bao dam Nhtfng tifu ke tren cd the xem nhu nhiing nen tang cP ban de chiing ta cd nhiing btfdc tien dai hdn ttfdng lai, lam cp sd de thtfc hien cac muc tieu chien Itfdc thap nien tdi
1 Nhiiing tuu cd han cua he thdng Ngan hang Viet Nam hon 20 nam M mdi vuia qua
He thdng ngan hang da cd nhiing btfdc phat trien toan dien, bam sat muc tieu phat trien kinh te xa hdi tiing thdi ky He thdng ngan hang cap da dtfpc hinh rd net Ngan hang Nha ntfdc (NHNN) da cd btfdc cilng cd va ddi mdi manh me ve cP cau td chiic, thiic hien tdt vai trd quan ly nha ntfdc ve cac mat hoat ddng, tien te tin dung, tao nen tang phap ly ttfdng ddi ddng bd cho cac td chiic tin dung hoat ddng an toan, hieu qua; thtfc hien cd hieu qua chufc nang cua NHTW, khdng ngiing doi mdi va hoan thien cd che dieu hanh chinh sach tien te, chinh sach ty gia, chinh sach quan ly ngoai
hdi theo the che kinh te thi trtfdng, dinh htfdng xa hdi chil nghia; khdng ngifng hoan thien va phat trien he thdng toan, thifc hien tdt vai trd trung tam toan quoc gia, tao dtfpc long tin ciia dan chiing ddi vdi he thdng tien te qudc gia; giii dtfdc dn dinh tien te, kiem chi lam phat, gdp phan thiic day tang trtfdng kinh te va dn dinh kinh te vi md
He thdng cac TCTD da phat trien da dang vl hinh thiic sd hiiu va loai hinh dich vu; quy md hoat ddng va chat lUdng hoat ddng cang tang; nang life tai chinh, nang life quan tri dieu hanh, nang lire canh tranh, trinh dp ling dung cdng nghe thdng tin (CNTT) dtfpc nang len; cac TCTD da cd ban thtfc hien tdt vai trd trung gian, huy ddng va phan bd ngudn vdn cd hieu qua, cd ban dap iing dtfpc nhu cau vdn va tien ich cila nen kinh te va xa hdi
(2)TIEU DIEM
hang cdn chtfa theo kip vdi yeu ciu hdi nhap va nhu cau phat triSn dit nUdc Thtfc thi CSTT, ty gia cdn bi ddng, liing tiing tnfdc nhiing dien biSn bit thudng ciia thi trUdng Cac TCTD chit Itfpng, hieu qua, siic canh tranh, nang life tai chinh d& dtfdc nang len nhtfng cdn thap so vdi yeu cau; chi phi phan bd vdn va dich vu trung gian cdn cao; canh tranh cdn thieu lanh manh; hoat ddng cdn tiem an nhieu rili ro Ddng gdp vao nhiing ttfu cila he thdng Ngan hang 20 nam qua, khdng the khdng ke den vai trd cila cila viec iing dung CNTT, cdng nghe ngan hang cac linh vtfc hoat ddng ciia nganh Ngan hang:
thdi cdn giiip cac TCTD hien dai hda he thdng toan, da dang hda hinh thiic huy ddng vdn, cho vay, vdi nhiing san pham tien ich ngan hang hien dai cung iing cho doanh ngldep va dan ctf, md rdng cac hinh thiic toan khdng diing tien mat va toan qua ngan hang
Cd thg ndi CNTT dtfdc xem nhtf mdt xu htfdng chinh hoat ddng ngan hang hien dai thap nien viia qua, cac giai phap ky thuat cdng nghe dtfdc ltfa chpn la phii hpp da bao dam cho stf phat trien cdng nghe tin hpc ngan hang dung htfdng giup cac ngan hang tang kha nang canh tranh thdng qua viec da dang hda san pham dich vu, chiem ITnh thi phan bang cac thiet bi
Cic ygu t6 m&\ cdng nghe hien dai hoa NeSn h^ng
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- Ha tang CNTT phuc vu cho boat ddng cila NHNN khdng ngifng dtfdc cai thien, gdp phan khdng nhd vao viec tang ctfdng hieu qua thUc hien chinh sach tien te qudc gia, niing Itfc tra giam sat, dam nhan cang tdt hdn vai trd trung tam toan cua nen kinh te He thdng dii lieu cUa ca he thdng Ngan hang da dtfpc tin hpc hda ket ndi vdi ca he thdng, cung cap thdng tin hang cho NHNN lam cd sd hoach dinh va thUc thi cac chinh sach quan ly - He thdng corebanking (he thdng quan tri ngan hang tap trung) da dtfpc iing dung phd bien d phan ldn cac ngan hang, giiip cai thien dang ke hieu qua ciia hoat ddng ndi bd ngiin hang nhtf ke toin toan, quan tri rili ro danh gia xSp hang tin dung khach hang ; cac dii lieu hoat ddng dupc ndi mang trtfc tuyen giiia cac phdng, ban tai tru sd chinh, chi nhanh dam bao kiem soiit phiit hien kip thdi cac van de phat sinh hoat ddng Ung dung CNTT ddng
giao dich ttf ddng, tang ctfdng nang life va hieu qua hoat ddng kinh doanh cila cac ngan hang thtfdng mai day nhanh tdc dp toan, tang vdng quay tien te, qua ma gdp phan nang cao hieu qua ddng vdn xa hdid) Xu htfdng md rdng utng dung CNTT va phat trien cac giao dich ngan hang dien tut da gdp phan nang cao nang llic quan ly cila NHNN
Song, tdc dp phat trien CNTT cdn cham va chtfa ddng deu giifa cac TCTD, va ciing khdng theo chuan mtfc nen rat khd khan cho viec lien ket cac he thdng vdi nham hpp tac khai thac cac dich vu lan nhau, nen chtfa khai thac triet de he thdng tang cdng nghe
2 Trien vong liinh te the gidi va trong ntfdc giai doan 2010 - 2020 Trong thdi dai toan cau hda va kinh te tri thiic phat trien manh me, dieu kien khoa hpc cdng nghe phat trien nhanh chdng hPn thdi ky trtfdc rat nhieu, bdi canh qudc
te dien bien phiic tap nhtfng \'iin ndi rd xu hudng lac quan \ e mdt nen kinh te tiep tuc tang trtfdng den nam 2020, quy md kinh li thi gidi nam 2020 se tang 80% so vdi nam 2000'"' ludng dau ttf gitfa cac qudc gia cang gia tang Kinh te the gidi se phat trien ben viing chil yeu difa vao tri thiic va cdng nghe Qua trinh chuyen giao cdng nghe giua cac qudc gia gia tiing ciing chieu vdi sir chuyen dich cac vdn dau ttf giiia cac qudc gia, cac viing, khu vtfc Nhin mot each tdng quat, nen kinh te Viet Nam da cd the va life hdn trtfdc rat nhieu, tiep tuc tang tdc va dat muc tieu da de vao nam 2010, lam tien de de biit pha manh me va phat trien hdn niia cho den nam 2020, nhit la vao giai doan 2015-2020 nham xay dtfng mdt nen kinh te cdng nghiep hien dai
Kinh ti Viet Nam se phai chdng dd, khac phuc khiing hoang de dat muc tieu da de vao nam 2010 va sau dd se phat trien difa nhieu vao tri thiic, cdng nghe, ddi mdi he thdng CP cau tang, dieu hanh phat trien kinh te tif trung tfdng den dia phUdng va nang cao chat lupng ngudn nhan Itfc giai doan 2015-2020
Btfdc vao thdi ky chiSn Itfpc (2011-2020) dat ntfdc se tich luy dtfdc nhiing kinh nghiem quy va cac bai hpc nit ve cac mat chinh tri, ngoai giao, kinh te, xa hdi, bao ve mdi trtfdng Tii dd tao tiem Itfc cho nen kinh te phat trien ldn va manh hpn trtfdc, nang cao vi the dat ntfdc tren trtfdng qudc te cung nhtf cai thien va tang ctfdng quan he qudc te
3 Dmh hudng chien luoc phat triin he thing ngan hang den 2020
3.1 Quan diem phcit trien
- Phat trien dn dinh va ben viing he thdng ngan hang la yeu cau xuyen sudt chien Itfdc va qua trinh thtfc hien chien lupc ngan hang
Phat &ien dn dinh va ben viing cila he thdng ngan hang la nen tang quan trpng dam bao sir dn dinh kinh te vl md va phat trien kinh te xa hdi, bdi he thdng ngan hang la huySt manh cUa nen kinh te
- Chien lUdc phat trien ngan hang dtfpc xay dtfng va thtfc thi khdng tach rdi chien Itfpc phat trien kinh te xa hdi ma phuc vu muc tieu phat trien kinh te xa hdi
(3)TIEU DIEM
phat trien kinh te xa hdi, vdi stf phat trien tdng the he thdng tai chinh, thi tnrdng tai chinh va tien trinh hdi nhap kinh te qudc te, thtfc hien cac cam ket qudc te Hnh vtfc tai chinh ngan hang
- Phat huy tdi da ngudn Itfc ngtfdi, lay ngudi lam trung tam cho ddng lire phat trien he thdng ngan hang
Con ngtfdi la chu the sang tao, la ngudn lire chil yeu va la yeu td quyet dinh stf phat trien he thdng ngan hang dn dinh va ben viing, tao nhiing dot pha mdi sir phat trien ciia he thdng
3.2 Mue tieu ehien luoe va Idiau dot phii - Muc tieu tdng quat
Tiep tuc cai each toan dien he thdng ngan hang theo hUdng phat trien dn dinh, ben viing, ngang tam vdi cac ngan hang tren the gidi va khu vtfc ve qui md, nang lire tai chinh, quan tri, dich vu va cdng nghe ngan hang; md hinh phat trien ngan hang phii hpp vdi cd cau phat trien kinh te, yeu cau hdi nhap qudc te dap iing day dil nhat nhu eau va tien ieh xa hdi linh vtfc tien te ngan hang, phuc vu yeu cau cdng nghiep hda, hien dai hda va phat trien kinh te ben viing; tao tien de de phat trien eao hPn cho thdi ky chien Itfpc sau
- Muc tieu chil yeu
Xay dtfng va phat trien NHNN len mdt cap dp mdi viec thtfc hien vai trd quan ly cac hoat ddng tien te, tin dung, thtfc thi CSTT, ngoai hdi hieu qua vdi tam nhin trien vpng vi lpi ich cila khu vtfc tai chinh, cUng cd Idng tin cila dan chiing ddi vdi nhtfng ddng thai chinh sach cua NHNN va he thdng tien te, chil dpng kiem soat lam phat d mufc mue tieu hang nam, hd trp tang trtfdng kinh te va dn dinh kinh te vi md
Phat trien thi trtfdng tai chinh ndi chung, thi trtfdng tien te ndi rieng theo htfdng thiSt lap mdt cd ehe van hanh thi trtfdng cd hieu qua, dam bao tinh dn dinh ben vflng, thdng sudt va phat huy tdt nhat vai trd ciia cac vien thi trtfdng
Nang cao nang life tai chinh, nang life canh tranh va tao dung thtfdng hieu vdi nhflng gia tri cdt loi cua he thdng Ngan hang Viet Nam tren thi trtfdng tai chinh qudc te
- Cac dot pha chien Itfdc
De dat dtfdc cac muc tieu chien Itfpc neu tren, phai trien khai thtfc hien ddng bd eac nhiem vu, giai phap, dd tap trung siic va cd phtfdng an kha thi thtfc Men tdt cac khau dot pha sau:
Dot pha viec xay dtfng cac dieu kien cin thifet'^' de dSn nam 2020 thtfc thi chinh sach tien te theo khudn khd chinh sach tien te lam phat muc tieu
Dot pha ve hoan thien ed che tra, giam sat thi tnrdng tai chinh dam bao giam sat chat che, bao chiim, canh bao sdm cac riii ro cd the sinh lam mat an toan va bat dn cua cac dinh che tai chinh Dot pha ve xay dtfng he thdng ket cau cd sd tang ve CNTT, cdng nghe ngan hang hien dai: Hoat ddng eua he thdng ngan hang can dtfdc thtfc hien dUa tren cd sd tang cdng nghe truyen thdng va thdng tin hien dai d hau het cac mat nghiep vu ngan hang, tren nen tang cua he thdng hach toan ke toan, thdng ke theo chuan mtfc qudc te nham dam bao de ngan hang trung Udng (NHTW) thtfc hien cd hieu qua viec hoach dinh va thtfc thi CSTT, cac hoat dpng quan ly - dieu hanh, hoat ddng tra, giam sat toan bd cac hoat ddng ngan hang cila nen kinh te va cac boat ddng chflc nang
khac cua NHTW, dap flng kip thdi cac tien ich xa hpi vl cac dich vu ngan hang, tang vdng quay ddng vdn, hd trd tich ctfc cho cdng tac quan tri cac TCTD
Dot pha v6 phat trien ngudn nhan lire cao cho he thdng ngan hang, tap trung vao doi mdi can ban phtfdng thflc myen dung mdi, dao tao va dao tao lai cac can bd hien cd, chinh sach dai ngd hdp ly: Hoat ddng quan ly, dieu hanh hoat ddng ngan hang phai dtfdc td chflc tren nen cua sfl ddi mdi tfl kinh te va tuan thil mot each linh hoat nhflng quy luat phat trien khach quan cd sil dieu tiet eua Nha nflde the hien d nhiing ehii trfldng, chinh sach ldn ciia nganh va ddi mdi mdi trfldng phap ly cho hoat ddng eila toan nganh ngan hang theo dinh htfdng thi trfldng XHCN Cac van de la ngtfdi tao va thtfc thi
(con nita) _ — ^— ^ _™„ J
(1) Bang ctifing ro net nliSt la m?ng ludi ATM '; mang thiTdng hieu cua ngan hang hien di|n khap moi ndi Til cho chi CO ATM vao nam 1999, tdi cu6i 2006, toan thi tntcing co khoang gin 2.500 ATM, va da ten tdi 9.500 vao nam 2009 Cilng v6i xu hudng la s6 tiling POS gia tang dang ke, tvt 12.000 nam 2006 len 33.562 thiSt bj vao cuoi 2009; cac IfflTM co xu htfdng h(lp tac va chia se cd s6 ting ky thu jt cong ngh$, hen minh ciing phat trien ting cong nghe
(2) Theo H$i ddng tinh bao quoc gia My MIC (3) Dieu kien can thiit d day bao gom: Tinh ta chu cia NHNN viSc hoach dinh miic tieu va diiu hanh cic cdng cu CSTT; tinh minh bjch va tinh chju tranh nhiem cao ciia NHNN; nang Itfc phan tich dit bao; ttr hda ty gia
Techeombank: Dich vu toan ve may bay qua Internet Banking Ngay 2/6/2010, Ngan hang TMCP Ky thtfdng Viet Nam
(Tech-eombank) chinh thflc trien khai tinh nang toan ve may bay cua Vietoam Airlines tra sau thdng qua dich vu Intemet Banking (F@sti-Bank)
Day la ket qua cila viec hpp tac ben giiia Techcombaiik, Vietnam AirUnes va Cdng ty CP Dich vu The Smartlink
Ke tfl 2/6/2010, khach hang dat ve may bay ndi dia va qudc te qua website cua Vietnam AirMnes cd the toan tien ve thdng qua F@st i-Bank vdng 12 gid ma khdng can den phdng ve hoac toan bang cac hinh thflc online khac
De tiin hanh toan ve may bay Vietnam Airlines qua F@st i-Bank, khach hang chi c§n dang ky sit dung F@st i-Bank tron gdi tai tat ca cac diem gjao dich ciia Techeombank tren toan quoc (mien phi dang ky) hoac qua website ciia Techeombank Khach hang dtfpc mien phi mua token key (cdng cu tao mat khau) de tien hanh giao dich qua F@st i-Bank
F@st i-Bank cd nhiiu linh nang nhtf: Quan ly tai khoan hiiU hieu: truy vin sd dtf, quan ly khoan vay, tiet kiem; cdng cu toan an toan, bao mat: ve miy bay, hoa ddn dien thoai, bao hiem, tien (fipn, chuyin tiin he thong Techeombank, giki tiet kiem online
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