Some solution to develop the card payment activity in Viet Nam Joint Stock Comercial Bank for Industry and Trade_VietinBank for the period of 2012_2017 Chử Thanh Tâm Khoa Quản trị Kin
Trang 1Some solution to develop the card payment activity in Viet Nam Joint Stock Comercial Bank for Industry and Trade_VietinBank for
the period of 2012_2017
Chử Thanh Tâm
Khoa Quản trị Kinh doanh Luận văn Thạc sĩ ngành: Quản trị Kinh doanh; Mã số: 60 34 05
Người hướng dẫn: TS Nguyễn Thị Phi Nga, TS Phạm Quý Long
Năm bảo vệ: 2012
Abstract Vietnam Joint Stock Commercial Bank for Industry and Trade is one of
the four largest banks in Viet Nam VietinBank has emerged as the most effective and profitable bank in Vietnam banking sector, with the goal of becoming the number one financial group in Vietnam and has positioned in Asia within 3 to 5 years, one of present strategies to achieve above objectives, VietinBank determined that developing retail banking services as important part constitutes strategy In which, develop card account product, payment card, especially card payment service
is considered the core product in the context of extremxe active card market in Vietnam today To support VietinBank in building solutions, the thesis will analyze opportunities and challenges from the market, at the same time clarify and analyze the strengths and weaknesses from the VietinBank, from which to set out some measures to improve efficiency of VietinBank card payment business These measures are feasible, close to the reality of VietinBank, if applied they will actually support VietinBank further improve competitiveness, promote strength, resolve weaknesses From which completely shorten the gap with the leading banks and
compellingly striving to leader in short time
Keywords Quản trị kinh doanh; Dịch vụ thẻ; Thanh toán thẻ; Quản lý tài chính
Content
COMMITMENT i
ABSTRACT ii
TÓM TẮT iv
TABLE OF CONTENTS vi
LIST OF TABLE ix
LIST OF ABBRIVIATIONS xi
INTRODUCTION 1
CHAPTER 1: THE BASIC ISSUES ON THE CARD PAYMENT ACTIVITY 4
Trang 21.1 OVERVIEW OF THE BANK CARD AND REAL SITUATION OF THE
CARD PAYMENT 4
1.1.1 Definition of the bank card and card payment 4
1.1.2 Classification of bank card and form of card payment 5
1.1.3 The of formation and development history of the payment card in Vietnam 7
1.2 PROCESS OF THE CARD PAYMENT 12
1.2.1 Overall process of card payment 12
1.2.2 The participation entities of the card payment 13
1.2.3 Charges and charges sharing rate in the card payment activity 14
1.3 THE ROLES AND THE MEANINGS OF CARD PAYMENT ACTIVITY 15
1.3.1 For the society- national economy 15
1.3.2 For the bank joining in the payment 18
1.3.3 Impact on the card owner and the unit accepting the card payment 22
CHAPTER 2: THE FACTUAL SITUATION OF CARD PAYMENT IN VIETINBANK 26 2.1 GENERAL INTRODUCTION ON VIETINBANK 26
2.1.1 The general introduction on VietinBank 26
2.1.2 The general introduction on VietinBank Card business Center 27
2.1.3 The process of formation and development of payment operation by card at VietinBank 30
2.2 THE POSITION OF VIETINBANK CARD SERIVES 32
2.2.1 The prominent speed of growth, leading in the quantity of market share 32
2.2.2 The quality and profit have not yet been proportional to the potential 37
2.3 THE FACTUAL SITUATION OF IMPLEMENTATION AND DEVELOPMENT OF PAYMENT SERVICE BY CARD IN VIETINBANK 41
2.3.1 The factual situation of implementation and development of card business and payment 41
2.3.2 The evaluation of real situation of conducting and developing the VietinBank’s card payment 54
2.4 SWOT ANALYSIS ON VIETINBANK CARD PAYMENT BUSINESS 59
2.4.1 External environment analysis- challenges and opportunities of VietinBank 60 2.4.2 Internal environment analysis- strong and weak point 68
2.4.3 S WOT matrix analysis 75
CHAPTER 3: SOME SOLUTIONS TO DEVELOP CARD PAYMENT ACTIVITY IN VIETINBANK 80
3.1 Focusing on the market segment, groups of lines and types of card which bring the sales of payment and profit 80
3.1.1 Exploiting the group of lines bringing the sales of payment and high profit .80 3.1.2 Increase the transaction according to the card forms and the transaction forms 81
3 2 Cover and scoop the whole open and potential market 83
3.3 Improve the card payment business effectiveness through marketing mix 7Ps 85 3.3.1 P1 - Product: 85
3.3.2 The price 92
3 3.3 Promotion and media 95
3.3 4 Place - Distribution channels 97
3 3.5 Human resource 99
3 3.6 The process 100
3 3.7 The physical evidence 102
3.4 SOME RECOMMENDATION 104
Trang 33.4.1 The recommendation to the government on the policy and legal lobby 104 3.4.2 The recommendation to some relevant merchants, boards, sections 105 REFERENCES 106 Appendix 1
Apenndix 2
Appendix 3
References
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