- Tieh cUc sd dung djch vu thanh toan hien dai nhu chuyen khoan. Nam la, khuyin khich cae NHTM va ca cac td chuc cung dng dich vu trung gian thanh toan nghien edu, phat trien, cung d[r]
Trang 1Sau 5 nam, trien khai O l an thanh
toan khdng dung t i l n mat [TTKDTM]
giai doan 2 0 0 6 - 2 0 1 0 va dinh hudng
d i n nam 2 0 2 0 , boat dpng TTKDTM d
Viet Nam da thu dupe nhilu ket qud r I t
dang khich le, tao t i l n de quan trpng
cho sU phat trien cua boat ddng thanh
toan trong nhdng nam t i l p theo
Co sd ha t i n g va cdng nghe
TTKDTM dupe chu trpng d i u tU va
phat huy hieu qua; hanh lang phap ly
cho boat ddng TTKDTM da tdng budc
dupe xac lap de dap dng yeu cau cua
thUe t l ; TTKDTM tmng eac khu vUe
edng doanh nghiep va tieu dung ca
nhan deu cd chuyen bien; mpt sd
phuang tien va djch vy thanh toan mdi,
tien lai va tien ieh dUa tren n l n tang
dng dyng CNTT da x u l t hien va dang
di dan vao cupc sdng, phu hpp vdi xu
t h i thanh toan cua cae nUde tmng khu
vUe va tren t h i gidi Tuy nhien, viec sd
dung t i l n mat v l n edn kha pho biln
tmng giao dich thanh toan khu vUc dan
cU; cac san pham, tien ich cdng nghe
thanh toan mdi hien dai chUa dupe khai
thac dng dung hieu qua Vi the viec phat
trien TTKDTM v l n la mpt trong nhdng
m i i quan tam chung cua ca he t h i n g
ngan hang, cac to chdc cung dng djch
vy thanh toan, cung nhu td cac co
quan quan ly nha nUdc
Theo dng Bui Quang Tien, Vy
trudng Vu Thanh toan, Ngan hang Nha
nude Viet Nam, viec phat trien
TTKDTM trong thdi gian tdi se nham
tdi eac mye tieu ca ban la: Tao su
ehuyen bien manh me va rd ret v l
TTKDTM tmng n l n kinh t l , trUde h i t
trang mpt sd finh vdc trpng diem, han
ehe tdc dp tang tien mat trong nen
kinh te, giam ty le tien mat trang lUu
thdng tinh tren GDP, lam thay doi mdt
Ang dung cac phirang tien thanh toan hien dai, iiiy manh thanh toan l(hdng dung tien mat
Minh Tam
budc tap quan thanh toan tmng xa hdi, tren co sd dd giam chi phi xa hpi lien quan den t i l n mat, tang them ngudn
v l n huy ddng eda he t h i n g Ngan hang, gdp phln nang eao hieu qua qudn ly, giam sat cua cac co quan quan ly Nha nude ndi chung va cdng tae phdng, chlng tham nhung, tieu cUc ndi rieng
TrUde m l t , viee phat trien TTKDTM nham hudng den 5 myc tieu cy the sau:
[1] Giam t i i da viee sd dung t i l n mat tmng finh vUe tai chinh cdng, trUde
h i t tap tmng vao mpt s l finh vUc trpng diem nhu thu t h u l , phi va le phi;
[2] ap dung rpng rai cac phuong thdc TTKDTM trang giao djch gida cae doanh nghiep, dae biet la trang quan
he vay, tra no vdi cac TCTD;
[3] Tilp tue phat trien djch vu thanh toan the, md rdng pham vi sd dung the, da dang hda tien ieh va nang eao c h i t lUpng cac djch vu t h i , tap trung phat trien mang iudi c h i p nhan the boat ddng hieu qua, thUc chat, trUdc bet tai cac sieu thj, trung tam thuang mai, cac co sd phan phii hien dai, khach san, nha hang, khu vui choi
giai tri du lich;
[4] Sd dyng cac phuang thdc TTKDTM de thanh toan dinh ky doi vdii cac djch vu thudng xuyen nhU: di^n, nude, dien thoai, Internet, trayin hinhj cap de giam thieu d i n vi^c nhan vien] cua cac dan vj cung dng dich vy phi
d i n tdng nha thu t i l n mat;
[5] Md rpng dng dung cac phuonj tien va djch vu thanh toan mdi hien de nhu Internet Banking Mobile Bankinc
Vi dien t d ke ea d khu vUc ndng thor nai da cd Intemet va sdie*»R^3iOn cnoai
di ddng
Cung theo dng Bui Quang Tien, de thdc day phat trien TTKDTM d n trien khai dong bd mpt s l giai phap sau: Mdt la, t i l p tue va day manh phat trien djch vy thanh toan the; md rgng pham vi sd dung, da dang hda ti?n ich
va nang cao c h i t lUpng djch vu the
Ap dyng mpt s l bien phap dong bp
de viee lap dat va sd dung eac thiet hi
c h i p nhan thanh toan the [PGS] thUc
sU di vao cudc s i n g , t r d nen hip dan
va cd loi d l i vdi ea ngUdi mua hang va ngUdi ban hang: thUe hien cae ca chi chinh sach Uu dai [nhlt la v l t h u l , phi), eac bien phap khuyin khich de tgo diiu kien cho l i p dat va sd dung thanh toan qua POS; cac ca quan d p phep kinh doanh xIp hang, danh gia doanh nghiep bo sung tieu chi lap dat va sd dung POS d l i vdi cac sieu thj, trung tam thuang mai, day nhanh tien dp
k i t n l i cac he thong POS de tao thuan lpi cho khach hang su dyng the khi thanh toan t i l n mua hang hda djch vu; nghien edu viec ap dyng ed hipu qua the chi tieu edng doi vdi cac don vi sd dung NSNN; khuyin khich phat trien eac loai thd da dyng, da nang de thu
Trang 2phi cau dudng, mua xang d i u , mua ve
xe buyt, di taxi.,
Nha nudc cd bi^n phap ho trp,
khuyin khich de tang eudng tang cUdng
lap dat ATM tai nai cd nhu eau; cd cac
bien phap van ddng khuyin khich de
can bd cong chdc tang cUdng sd dung
cac phuang tien TTKDTM thdng qua tai
khoan
Hai la ap dung 'mdt s6 bien phap
ding bd de viec lap"'dat sd dung POS
va khuyin khich ngiidi tieu dung mua
hang hda djch vu thanh toan qua POS;
^ Duy tri hoat dfhg on djnh va hieu
qua cua he thong POS da k i t n l i tai
cac NHTM va cac to chdc cung dng
djch vy thanh toan d i n g thdi day
ihanh t i l n dp k i t noi cac he t h i n g POS
in toan qudc
Nha nude thdc hien cac ea e h l ,
chinh sach Uu dai, cac bien phap
khuyin khich [ t h u l , phi]; k i t hpp vdi
cac bien phap kieh thieh cua cac
TC-CUDVTT cac doanh nghiep cung d p
hang hda, djch vu [giam phi khuyin
mai, tich diem, quay xo s l ] ;
Cac CO quan d p phep kinh doanh,
xep hang, danh gia doanh nghiep bo
sung tieu chi lap dat va sd dyng POS
doi vdi cac sieu thi, trung tam thuong
mai,
Ba la, cai thien nang cao tinh nang
va chit luang djch vu TTKDTM
- Cd bien phap yeu cau va giam sat cac to chdc cung dng djch vu thanh toan thudng xuyen duy tri va khdng ngdng nang cao c h i t lUpng dich vu TTKDTM;
- Tang cUdng cac bien phap bao dam an toan trong giao dich the sd dung ATM nhU an toan dien, chay, no, chdng gian lan, ;
- Lam t i t cdng tac cham sde, bao
ve lpi ich eda khach hang nhu hudng
d i n sd dung eac djch vu TTKDTM, xd ly vUdng mac tra soat khilu nai
- Day manh suf dung cae phuang tien TTKDTM hien dai de thanh toan hda dan djnh ky, thudng xuyen nhU:
dien, nUdc, dien thoai, intemet, t m y I n hinh cap, vi du nhu Intemet Banking;
Mobile Banking/SMS Banking/Phone Banking; Vi dien td;
B i n la, cd cac bien phap van ddng
khuyen khich de can bp, edng chdc tang cudng sd dung cac phUong tien TTKDTM thdng qua tai khoan
- Tieh cUc sd dung djch vu thanh toan hien dai nhu chuyen khoan thanh toan tren may ATM, sd dyng thanh toan POS, sd dung cac djch vy thanh toan hda don dinh ky tai gia dinh minh bang cac phuong tien thanh toan hien dai, ;
- Tren ea sd k i t qua trien khai Chi thj 2 0 / 2 0 0 7 / C T - T T g , md mng pham
vi thue hien quy dinh ve viee chi tra qua tai khoan cua t i t ca eac khoan chi t d ngan sach nha nUde cho can bp, cdng chdc
Nam la, khuyin khich cae NHTM
va ca cac td chuc cung dng dich vu trung gian thanh toan nghien edu, phat trien, cung dng cac phuong thdc, djch
vu TTKDTM mdi, hien dai dUa tren co
sd ha t i n g cdng nghe thdng tin vien thdng [dien thoai di dpng va intemet]
va ap dung nhdng kinh nghiem t i t eda cac nude da trien khai n h l m thuc day TTKDTM ca d nhdng khu vUc ndng thdn, vung sau, vung xa va ca ddi vdi nhdng doi tupng chua ed tai khoan ngan hang
Vdi cac giai phap ddng bd nhutren, cung sU nd luc vao cupe eua eac d p chinh quyen, cac doanh nghiep, dac biet la cac doanh nghiep cung dng san pham, dich vy hang hoa den trUc t i l p
d i n ngUdi tieu dung [cac sieu thi, nha hang, cac nha cung cap djch vu dien, nude, dich vy vien thdng: dien thoai, mang Internet, ] hoat ddng TTKDTM tai Viet Nam se cd bUde chuyen bien manh me trang thdi gian tdi TTKDTM phat trien se la t i l n d l quan trpng gdp phan nang eao chat lUpng hoat dpng ngan hang, thdc day sU phat trien eua thuang mai dien t d tai Viet Nam va la cdng cu gdp phan thuc day giao thUong qudc te •
Khai truang trang thong tin tim tui Ho! nghj thifdng nien ADB 44
Ngay 3 0 / 1 2 , Ban To chdc Hpi nghj thudng nien
Hpi ddng Thing d i e Ngan hang Phat trien chau A [ADB)
lan thd 4 4 da to chdc I I khai trUang Trang thdng tin
dien td va cdng bo logo chinh thdc eua Hpi nghj
Tren trang web dang tai cac thdng tin ca ban lien
quan d i n Hpi nghj cac thdng tin v l thj thUc, thdng
quan mien t h u l cdng cac quyIn Uu dai, mien trd, khach
sgn va nhOng thdng tin v l du Ijch Viet Nam va Ha Npi
Ben cgnh dd cac dgi bieu va khach mdi cd t h i dang ky
tham dp Hpi nghi va dat phdng khach san dat chd cac
chuong trinh tham quan true t i l p tren trang nay
Hpi nghj thudng nien ADB lan thd 4 4 se dien ra tai
Ha Npi t d ngay 3 d i n 6-5-2011 vdi sU tham dU cua khoang 3 5 0 0 d i n 4 0 0 0 dai bieu t d 6 7 qudc gia vdng lanh tho la thanh vien ADB edng dai dien cac to chdc kinh t l - xa hdi, doanh nghiep, cac chuyen gia kinh t l Diem mdi cua Hpi nghi l l n nay la Viet Nam se k i t hop
to chdc Hdi nghj d p eao v l thuong mai va d i u t u vdi sU tham du cua eac dien gia, nha d i u t u t m n g va ngoai nUdc Day la mdt ca hdi tdt de Viet Nam qudng ba hinh anh va thanh tUu phat trien kinh t l - xa hpi vdi ban be quIc t l
Vdn Thanh