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]
Trang 1Phd 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 trong 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 2 ky Chien Itfpc
(1991-2000, 2001-2010), kinh ti - xa hdi
"da cd budc tien bd dang ke Cac
muc tieu chien Itfpc trong tiing thdi ky dtfpc
hoan thanh 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, trong 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 ha 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 thanh tifu ke tren cd the xem nhu nhiing nen tang cP ban de chiing
ta cd nhiing btfdc tien dai hdn trong ttfdng lai, lam cp sd de thtfc hien cac muc tieu chien Itfdc trong thap nien tdi
1 Nhiiing thanh tuu cd han cua he thdng
Ngan hang Viet Nam trong 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 trong tiing thdi ky He thdng ngan hang 2 cap da dtfpc hinh thanh 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 thanh toan, thifc hien tdt vai trd trung tam thanh 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 ngay 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
Tuy nhien, ben canh nhiing thanh ttfu dat dtfdc, song Stf phat trien cila he thdng ngan
Trang 2hang 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 tuy 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 thanh ttfu cila he
thdng Ngan hang trong 20 nam qua, khdng
the khdng ke den vai trd cila cila viec iing
dung CNTT, cdng nghe ngan hang trong
cac linh vtfc hoat ddng ciia nganh Ngan
hang:
thdi cdn giiip cac TCTD hien dai hda he thdng thanh 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 thanh toan khdng diing tien mat
va thanh toan qua ngan hang
Cd thg ndi CNTT dtfdc xem nhtf mdt xu htfdng chinh trong hoat ddng ngan hang hien dai trong 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&\ trong cdng nghe hien dai hoa NeSn h^ng
Service Prortder Monttor Metsocfc Data Center
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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 trong thUc hien chinh sach tien te qudc
gia, niing Itfc thanh tra giam sat, dam nhan
ngay cang tdt hdn vai trd trung tam thanh
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 ngay 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 thanh toan, quan
tri rili ro danh gia xSp hang tin dung khach
hang ; cac dii lieu trong 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
trong 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 thanh toan, tang vdng quay tien te, qua do
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 nhau nham hpp tac khai thac cac dich vu lan nhau, nen chtfa khai thac triet de he thdng
ha 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, trong dieu kien khoa hpc cdng nghe phat trien nhanh chdng hPn thdi ky trtfdc rat nhieu, bdi canh qudc
te tuy 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 ngay 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 ra 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 ra vao nam 2010 va sau dd se phat trien difa nhieu vao tri thiic, cdng nghe, ddi mdi he thdng CP cau ha 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 ra 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
Phat trien he thdng ngan hang phai dtfdc dat trong mdi quan he bien chiing vdi su
Trang 3phat 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 trong Hnh
vtfc tai chinh ngan hang
- Phat huy tdi da ngudn Itfc con ngtfdi, lay
con 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 ra nhiing dot pha mdi trong 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 trong 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 trong 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 thanh 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, trong dd tap trung siic
va cd phtfdng an kha thi thtfc Men tdt cac khau dot pha sau:
Dot pha trong 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 thanh tra, giam sat thi tnrdng tai chinh dam bao giam sat chat che, bao chiim, canh bao sdm cac riii ro cd the nay 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
ha tang ve CNTT, cdng nghe ngan hang hien dai: Hoat ddng eua he thdng ngan hang can dtfdc thtfc hien dUa tren cd sd ha 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 thanh 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 duy 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 trong ddi mdi mdi trfldng phap ly cho hoat ddng eila toan nganh ngan hang theo dinh htfdng thi trfldng XHCN Cac van de nay la do con ngtfdi tao ra 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 2 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 do 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 ha ting ky thu jt cong ngh$, hen minh ciing phat trien ha ting cong nghe
(2) Theo H$i ddng tinh bao quoc gia My MIC 3
(3) Dieu kien can thiit d day bao gom: Tinh ta
chu cia NHNN trong 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 do hda ty gia
Techeombank: Dich vu thanh 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 thanh 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 3 ben giiia Techcombaiik, Vietnam
AirUnes va Cdng ty CP Dich vu The Smartlink
Ke tfl ngay 2/6/2010, khach hang dat ve may bay ndi dia va qudc
te qua website cua Vietnam AirMnes cd the thanh toan tien ve thdng
qua F@st i-Bank trong vdng 12 gid ma khdng can den phdng ve
hoac thanh toan bang cac hinh thflc online khac
De tiin hanh thanh 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 thanh toan an toan, bao mat: ve miy bay, hoa ddn dien thoai, bao hiem, tien (fipn, chuyin tiin trong he thong Techeombank, giki tiet kiem online
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