Dugc Thu tudng Chinh phfl giao la don vi dau mdi tridn khai thye hidn Chi thj 20, tu kdt qua kha quan tridn khai thye hidn giai doan 1, ngay tu dau nam 2009, Ngan hang Nha nudc (NHNN)[r]
(1)VAN DE H O M N A Y
lUorng qua tai khoan:
thanh mot thoi quen
voi nhieu tien ich moi
(*) TS DlTOfNG HONG FHlTOfNG Rut tien qua he thong ATM
Vide tra luong qua tai khoan bit diu thye hidn tu 01/01/2008, theo Chi thi 20/2007/CT-TTg cfla Thfl tudng Chinh phu Sau nam thye hidn Chi thi nay, ed thd thiy chung ta da dat dupe nhidu kdt qua ngoai mong dpi Bdn canh vide tao thuan lgi cho ngudi nhan luong, cdn tao cfl hich manh ddi vdi he thdng tin dung, ngan hang Phat trien manh ca ve sd luorng the lan tien ich thanh toan
Qua trinh tridn khai thye hidn Chi thj 20 duge ehia lam giai doan: giai doan bit diu tu 01/01 - 31/12/2008 va giai doan duge thye hidn nam 2009
Dugc Thu tudng Chinh phfl giao la don vi dau mdi tridn khai thye hidn Chi thj 20, tu kdt qua kha quan tridn khai thye hidn giai doan 1, tu dau nam 2009, Ngan hang Nha nudc (NHNN) da tap trung chi dao nganh Ngan hang tridn khai giai doan theo hudng nang eao chat lugng cung img dich vu tra luong qua tai khoan tren co sd gia tang cae tidn ieh toan khdng dflng tidn mat di kem tai khoan tra luong vdi phuong cham tich cyc nhung chat che va than trpng va ehi md rdng ap dyng d nhung noi ma cac td chue cung flng dich vu toan cd kha nang dap img djch vy tra luong qua tai khoan theo dflng tinh than Chi thi 20 da dat Tridn khai chi dao cfla NHNN, cac td chirc eung iing dich vy toan da cd gang dau tu md rpng CO sd tang trdn toan qude
Tinh ddn thang 12/2009, so vdi 31/12/2008, cae td chirc cung img dieh vy toan da lip dat 9.500 may ATM - tang 23,65%; 33.500 POS (may chip nhan toan the) - tang 34,72% Trong eung ky, vdi nd lyc dau tu phat tridn da dang hda san pham djch vy, sd lupng the dugc phat hanh da gia tang 46,74% Idn 21 tridu the vdi 180 thuang hidu the cua 44 td chiic dang ky phat hanh the tren ea nudc
Trdn ndn tang co sd tang khdng ngimg dupe cflng CO va md rdng nhu vay, cac td ehuc cung img djch vy
Mdt hoat ddng tUng cd luc dUOc coi la "la lam" "rach viec", nay da trd thdi quen cac tang Idp dan cUtai tat ca 63 tinh phd, dac biet ddi vdi cac ddi tUOng hudng luong tU ngan sach nha nUdc suf dung tai khoan ngan hang de giao djch toan
thanh toan, mdt mat tidp tyc nang cao chat lupng cac tidn ich da tridn khai trudc day nhu rflt tidn, chuydn khoan, truy van thdng tin, cho vay thau chi tai khoan, toan hda don v.v , mat khae khong ngimg dau tu flng dung giai phap cdng nghd hien dai dd cung cap them nhidu tidn ich toan mdi nhu vi didn tu, dich vu SMS banking, Internet banking Home banking, Mobile banking
Chang han, tidn ich loan hda don da dugc cac ngan hang phat tridn manh phue vu cho vide thu phi toan hau hdt cac djch vu can thidt ddi sdng sinh hoat cfla ngudi dan nhu didn, nudc, didn thoai, Internet, truydn hinh cap, phi bao hidm, hpc phi, thud Phuong thflc toan hda don dich vy dupe hidn dai hda qua nhieu kdnh khae dap img nhu cau da dang cfla ngudi sfl dung nhu giao dich tryc tidp qua ATM, ty dpng trich tidn toan dinh ky, toan qua Intemet/SMS/Mobile banking, toan tai quay ngan hang tren co sd kdt ndi online du lieu
Tidn ieh toan hda don qua ngan hang da dem lai lpi ich thidt thye cho ban than cac don vi cung ung djch vy sinh hoat ndi trdn nhu giam chi phi quan ly tidn mat, an toan va thuan tidn hon cdng tac hanh chinh: tranh cac sai sdt, that thoat, trdm cap eat giam chi phi van chuydn, ddm tidn va bao quan v.v
(2)VAN DE H O M N A Y
NgUcri dan va ngan hang deu hudng lofi
Danh gia so bd cua NHNN vd kdt qua nam tridn khai thye hidn Chi thi 20 cho thiy, da tao thdi quen cac tang ldp dan cu tai tat ca 63 tinh phd, dac bidt la cac doi tugng hudng luong tu ngan sach nha nudc sfl dung tai khoan ngan hang dd giao dich toan
Ddng thdi da tao cfl hich quan trpng thflc day cac td chue cung flng djch vu toan dau tu co sd tang va thi trudng the Viet Nam phat tridn manh me ea vd sd lugng va tidn ich toan di kem the, qua ngudi dan da tung budc tidp can vdi edng nghd toan hien dai va lam quen vdi mdt sd tidn ich toan khdng dflng tidn mat eua the
Ha Ndi va Thanh phd Hd Chi Minh la phd trpng didm dupe Thfl tudng Chinh phu lya chpn trien khai thye hien Chi thi 20 tu bat dau giai doan da thu dupe nhung kdt qua kha quan sau nam tridn khai thye hien
Theo sd lieu thdng kd tinh ddn thang 12/2009 so vdi 31/12/2008, sd don vi hudng luong tu ngan sach nha nudc da tra lucmg qua ngan hang tai Ha Ndi (khdng kd cac ca quan trung uong tren dia ban) la 2.097 don vi - tang 8,9%, sd tai khoan ca nhan tra luong theo Chi thi 20 dat 157.500 tai khoan - tang 6,2%
Tai phd Hd Chi Minh, sd don vj tra luong qua tai khoan la 2.715 don vi - tang 1,5% va chidm 91,1% tdng sd don vi hudng luong tir ngan sach nha nudc trdn dia ban Trong tdng sd ngudi hudng luong tu ngan sach nha nudc tai phd Hd Chi Minh ed 157.789 ngudi nhan luong qua tai khoan, chidm 95,3% va tang 7,7% so vdi 31/12/2008 •
TlT thuc te tdi muc tieu
Khdng it ngudi cho rang, dien hat nhan ed thd se hoi sinh sau nhidu thap ky thoai trao va se trd mdt giai phap can ban nham cat giam thai gay hidu iing nha kinh Vd quan didm nay, GS Pham Duy Hidn, Cyc An toan burc xa va Hat nhan - Bd Khoa hpc va Cdng nghe eho rang, sy hdi sinh la cd thd Song, se khdng thd d at de thay thd cho nhidn lieu hda thach bdi "tranh vd dua gap vd dua", va chi ed nang lugng tai tao mdi trudng tdn cimg loai ngudi nhu mdt sy sap dat cua tao hda
Hang nam, tidu thy didn nang cua Viet Nam tang 15% - vugt xa so vdi tdc dp tang trudng kinh td, dy kidn den nam 2020 se tang gap 3,5 lin so vdi ti Id cfla nam 2009 Theo quy hoach tdng thd phat tridn nganh didn Thu tudng Chinh phu phd duyet, giai doan tir 2006-2015, se cd 54 du an san xuat didn dugc quy hoach va xay mdi Den nay, da cd du an dugc hoan thanh, vdi cdng suat xip xi 2.000 MW va chi dat 5,6% kd hoach Hidu suit sir dyng nang lupng cac nha may nhiet didn dung than chi chidm khoang 28-32% va hdn hgp RE (nang lugng tai tao) chi chidm 1,5% tdng san lugng nang lugng san xuat dugc thip hon nhidu so vdi cac nudc khu vuc