TAI CHINH QUOC TE ( So 03 (116)-2013 ) P h a t t r i e n d i c h v u n g a n h a n g d i e n tu*:
Kinh nghiem tir nu&c ngoai Ths.Tran Thj T6 Nga -Vietinbank
ThsXe Cong - NHTM Co phan Quan dpi
"T^ fgdn hdng dign tu- Id ngdn hdng md tdt cd cdc giao djch giira ngdn hdng vd khdch hdng (cd I ^ / nhan vd td chuc) dya tren qud trinh xic ly vd chuyen giao dir ligu sd hda nhdm cung cdp A. T sdn phdm dich vu ngdn hdng. Dich vg ngdn hdng dign tur Id mpt hg thdng phdn mim vi
tinh cho phep khdch hdng tim hieu hay mua dich vg cua ngdn hdng thuffng mgi thdng qua vi$c noi mgng mdy vi tinh cua minh vdi ngdn hdng cung cdp dich vg. Vdi dich vg ngan hdng dign tie, khdch hdng cd khd ndng truy nhgp tuxa nhdm: thu thgp thdng tin; thyc hign cdc giao dich thanh todn, tdi chinh dya tren cdc tdi khodn luu ky tgi ngdn hdng, ddng ky sur dgng cdc dich vg mdi
Tinh vni vift ciia dfch vy Ngin hing dif n tir
- Nhanh chdng, thudn tign:
Ngan hing dign tir giiip Ichich hang CO the lien lyc voi ngan hdng mpt cich nhanh chong, thuyn tign dS thyc hign mgt so nghigp vy ngin hing tai bat ky thoi diem nio (24 gid moi ngiy, 7 ngiy mgt tuan) mi khdng can den ngin hing. Mgi luc, mgi noi khich hing cd the tidp cyn vdi ngin hing dign tu, chi cin gui mdt tin nhin, ggi dign thoyi hay vio mang Internet tyi bit cir dau la cd thd giao djch, vin tin, tri tien cic djch vy,... thay vi phii mit thdi gian den ngin hing.
Didu niy die bigt cd y nghia ddi vdi cic khich hang cd it thdi gian de di den vin phdng tryc tidp giao djch vdi ngin hing, cac khach hing nhd vi vua, khich hing ci nhin cd sd lugng giao djch vdi ngin hing khdng nhidu, so tien mdi lan giao dich khdng Idn. Day li lgi ich mi cic giao djch kidu ngin hing truydn thdng khd cd the dat dugc vdi tdc dg nhanh, chinh xic so vdi ngin hing dign tir. - Tiet kigm chi phi, tdng thu
nhgp: Djch vy ngin hing dign tu vdi cdng nghg hign dyi da giup khach hang tidt kigm dugc thdi gian vi giim chi phi djch vy. Khich hang cd thd giao djch mi khdng cin den ngin hang do vay tiet kigm chi phi di lyi, ddi vdi doaidt nghigp thi khdng chi det kigm chi phi di lai khi cin chuyen khoin, thanh toan hda don,... mi cdn ddt kigm chi phi luu trir bio quin khi Ui luong qua tii khoin thay cho tri luong bing den m^it, rdiin vidn khdng cin trgc tiep ddn ngan hang dd thgc hign giao djch ndn cd nhidu thdi gian lim vigc hon. Hon niia phi giao djch ngan hang dign tu dugc danh gii li d mire rit thip so vdi giao djch truyen thdng, die bigt li giao djch qu;i Internet, tir do gdp phin ting th J nhap cho ngin hang.
- Md rgng pham vi hogt dgng, tdng khd ndng cgnh tranh:
Ngan hing dign tu li mgt giii phap cua NHTM dd ning cao chat lugmg djch vy vi higu qui hoat dgng, qua dd nang cao khi nang e^nh Uanh cua NHTM.
Didu quan Ugng hon Ii ngin hang dign Ui cdn giup NHTM
thgc hign chidu luge "todn ciu hda" mi khdng cin md thdm chi idiinh d Uong nude ciing nhu d nude ngoii. ngin hang dign hi ciing li cdng cy quing bd, khudch trudng thuong higu cua NHTM mgt cdch sinh dgng, higu qui.
- Ndng cao higu qud qudn ly vd sir dung vdn: Xet ve myt kinh doardi, ngin hing dign tCr se giup khich hing tiep cyn thdng tin nhanh chdng dye bigt li thdng dn ve tii khoin. Didu niy die bigt cd y nghTa ddi vdi cdc doanh nghigp cd nhieu tai khodn khic nhau. Hg cd thd kidm tra sd du tren tit ci tii khoin cua minh. Ngoii ra, khich hing dugc ngan hdng phyc vy tyn noi vdi nhung thdng dn ndng hdi nhit nhu bien dgng ty gia, Iii suit...
Mat khic, doanh nghigp cd thd quin ly tidn tdt hom, do ngan hing dign tir cd the giup ban tang vdng quay cua dong tien va sir dyng, qudn ly tien myt higu qui horn Uong kinh doanh. - Tdng khd ndng chdm sdc vd thu hut khdch hdng: Chinh tign ich tii cdng nghg Omg dyng.
"Ay Tf p chi nghiin ciiru Tai chinh Ic^ toan
( 8^03(116)-2013 ) TAI CHINH QUOC IE tu phan mem, tu nha cung cap
dich vy mang, djch vy Internet da thu hut va giu khdch hdng su dyng, quan h? giao djch voi ngdn hdng, tra thanh khdch hdng truydn thong ciia ngan hang. Vdi mo hinh ngan hang hien dai, kinh doanh da nang nen kha nang phat trien, cung ung cac djch vy cho nhieu doi tugng khdch hang, nhieu ITnh vgc Icinh doanh cua Ngdn hdng dign tu Id rat cao.
- Cung cdp dich vu trgn goi:
Diem die bigt cua djch vy ngdn hdng dign tu la c6 thd cung cdp djch vy Ugn goi. Theo do cac ngan hang c6 thd lien kdt vdi cac cong ty bao hiem, cong ty chung khoan, cong ty tai chinh khdc dd dua ra cdc sdn pham tign ich ddng bg nhdm ddp ung cdn bdn cac nhu cau cua mgt khach hang bo^c mgt nhdm khdch hang vd cac djch vu lidn quan tdi ngan hang, bao hidm, ddu tu, chung khodn...
Hi$n dgi hda h? thong thanh todn. gdp phdn thiic day thuong mgi dign tu: Djch vu e- banking cho phep khdch hang gidm lugmg giao djch tidn mat, do dd giup ngudi ban hang nhanh chdng nhan dugc tien thanh toan, bat chdp khoang each ve dja ly ndn cd thd yen tam lidn hdnh giao hang mdt cdch rdianh chdng nhdt, sdm thu hoi vdn dd ddu ur tidp tyc san xudt hay mua ban, giup cho qud Uinh giao djch dugc don gian vd nhanh chdng, chi phi giao djch dugc gidm bdt ddng kc vd dnh an todn dugc dam bdo hon vd da Idm cho vigc thanh toan Ud nen diuyn tign hom nhidu. E-banking xudt hign Idn dau
tien tai My, vdo nam 1995 khi phdn mdm Quicken cda cdng ty Intuit dugc tridn khai, 16 ngan hdng Idn nhat nude My da tham gia. Kd tu do, e-banking da va dang dugc nhdn rgng ra ngodi nude My ddn tat ca cac chau luc khdc. Den nay, dieo mdt nghien cuu cua Stegman chi phi trung binh cbo vide thue hign mdt giao djch ngan hdng bdt ky theo kenh truydn thdng qua quay giao djch tyi My Id 1,07 USD. Vdi vigc dp dyng cdng nghg, chi phi cua mgt giao djch tuomg tg thue hien qua cdc kdnh ngdn hang tu ddng khac nhau Idn Iugt Id: 0,04 USD ddi vdi mdt giao djch thgc hign qua trung tdm lidn lac khdch bang (call/contact center); 0,27 USD qua ATM; vd 0,01 USD thdng qua djch vy Internet Banking thgc hign Udn mdt mdy tinh ca nhan binh thudng. Tyi Aidi vd cac nude chau Au khac, phdn Idn khach hang tai Ardi vd chau Au su dyng Internet Banking dd xem sd du tai khodn tidn gui, tdi khodn ddt kigm, kidm Ua giao djch hang ngay, ddi chidu so du. Su dyng djch vy Internet Banking giup cac ngan hang gidm chi phi boat dgng vd thdi gian 1dm vigc cua nhan vien tai cdc trung tam lien lac khach hang (call center), cac chi nhanh dd Ud Idi khach hdng va thyc hign cac giao djch lap di lap lai.
Khdch hang cung dugc hudng lgi nhd dich vy nhanh, chinh xdc, dam bdo sg rieng tu, tidt kigm thdi gian di lai... Cung vdi nhihig cai ddn mdi trong cdng nghg, he didng phone-banking ud dianh cdng cy ho trg dac luc cho khach hang frong hoat ddng tu vdn djch vu, diyc bidn nghigp vy giao djch tyi ngdn hang, 55%
sd lugng bdo lanh, cam cd tai ngdn hang d chau Au duge thgc bidn qua mang dign thoai. Du dodn Uong thdi gian tdi, phone banking van se giii vai Ud quan ggng trong hg thdng phdn phdi tai cdc ngdn hdng nhung tdc dg phat tridn se cham lai, nhudng lai vj tri cho djch vu internet banking. Tirdi den nam 2006, tai chau Au, 60% sd lugmg khdch hang thudng xuyen sir dung djch vu internet de giao djch vdi ngan hang va con so nay se tiep tyc tang len gong thdi gian tdi.
Tai khu vgc chdu A - Thai Binh Duong, e-banking da dugc tridn khai tai nhieu nude nhu Trung Qudc, Hong Kong, Singapore va Thai Lan... T?i Hdng Kdng, djch vy ngan hdng dign tu cd tu nam 1990. Tai Thdi Lan, e-banking boat dgng tir nam 2001, cdn Trung Qudc, myc du mdi tham gia vdo hg thdng ngan hdng true tuydn tir nam 2000 nhung da cd rat nhidu cdi each vd chinh sach ciing rdiu chidn luge dd phdt tridn ITnh vgc nay... Tai Hong Kong, ngan hdng HSBC bdt ddu cung cdp djch vu Internet Banking vao 1/8/2000. Vdi djch vy Internet Banking cua HSBC, khach hang cd the gui ddt kigm, dau u chimg khodn, thanh todn hja don djch vy vd giao djch ngoai hdi. Cdn tai Singapore, djch vy Internet Banking ddu tien da xudt hign di ndm 1997. Hien tyi cdc ngan hdng Idn tai Singapore ddu cung cap djch vy ndy nhu Oversea Union Bank (OUB), DBS Bank, Citibank, Hong Kong's Bank of East Asia, Oversea-Chinese Banking Corp. (OCBC). Tai Thai Lan, djch vy Internet Banking dugc Tap chi nghien cufu Tai chinh Ice toan < ^
TAI CHINH QUOC TE C 03 (116) - lOlT) cung cap tu nam 1995. Dac bigt
sau cugc khung khoang tai chinh nam 1997, cac ngan hang Thai Lan chju sue cp phai cat giam chi phi da chuydn huong sang day manh cung cap cac djch vy Internet Banking, coi day la mgt giai phap de giam chi phi nhan cong va tang dg thoa man cua khdch hang.
Bdi hyc doi vdi ngan hang Vift Nam
Thu nhat, Uinh dg phdt trien cong nghg Id mgt trong nhiing didu kign quan Ugng dd phdt tridn thanh cong djch vy ngan hdng dien tir, cac nuoc phdt trien djch vy nay thanh cong deu c6 Uinh dg khoa hgc cong nghg tidn tidn, hign dyi. Co sd by tang, co sd v^t chat ky thuyt cdn phdi dupe ndng cap de vigc tridn khai cdc djch vy ngan hang dign bi Ud ndn khd thi hon d cdc vung midn, dac bigt d viing sau, vung xa, co the thdy d cac nude cd djch yy ngan hdng dign tu phdt Uidn tdt thi co sd by tang, vat chat ky thuat rat viing chdc, hign dyi.
Thu hai, he thdng phdp luat phai phu hgrp, tyo dieu kign cho cdc djch vy ngan hang dign tii phat tridn, neu so sanh hg thdng phap luyt vd djch vy ngan hang
dign tu cua Viet Nam vdi mgt sd nude phat Uidn thi cd thd thdy Viet Nam cdn it quy djnh vd van dd nay. Quy djnh cua phdp luat cdn mang tinh md dd cac bdn cung cdp, su dung djch vu ngan hdng cd thd cap nhdt cac tidn bg khoa hgc vdo boat dgng cua minh.
Thu ba, djch vy ngan hdng dign tir mudn phdt tridn phai kdt hgrp dugc hai hda 3 nhan to:
ngudi sir dyng (khdch hdng), ngudi cung cap djch vy (ngdn hdng) vd nhan to mdi Uudng.
Nhu cau, thdi quen sir dyng djch vy ngan hdng ciia khdch hdng ddi vdi cac djch vy ngan hdng truydn thdng cdn cd sy thay ddi.
Do mgt thdi gian dai quen vdi cdc djch vy ngan hdng Uuyen thong, cdch giao djch truydn thdng tyi qudy, them niia, muc dg hiiu bidt vd cdc ling dyng cua cdng nghg tin hgc Uong cdc tdng Idp dan cu khdng phdi ai ciing gidng nhau ndn phan ddng khdch hang d ndng thdn vd d dg tudi tnmg nidn thudng cd tam ly e dd khi tidp xuc vdi cdc djch vu ngan hdng dign tu. Do vay, cdc NHTM can tim each quang bd, tuydn truyen, gidi thidu cac djch vy ngan hang dign tu tdi khach hdng dd hg hidu ve quy trinh ciing tdiu idiihig tien ich do cac
djch vy ndy mang lyi, tir dd se thay ddi idian thirc va se tin dimg dich vy ngdn hang dign tir.
Ngoai ra, sy cardi tranh cua cdc ngan hdng, dac bigt la giiia ngan hang Uong nude vd ngdn hdng nude ngodi da budc cdc ngan hang phdi khdng ngimg no lyc Uong vide cung cdp cac djch vy mdi. Cdc NHTM phai td chuc, CO cdu lyi dd cd thd cung cdp higu qud hon cdc djch vy ngan hdng dign tu. Cdc ngan hdng can phdi tich cyc trong vigc ddu tu cho nghidn cuu phdt trien vd cho nguon nhdn lyc.
Tdi U|u tham khdo:
PCS, TS Nguyen Thi Quy (2008), Dich vy ngdn hang hign dgi, NXB Khoa hoc xd hgi
Nguyen Minh Kieu (2007).
Nghigp vit Ngdn hdng hign dgi.
NXB Thong ke
Trdn Hodng Ngdn, Ngd Minh Hdi (2004), Su phdt trien dich vu Ngdn hdng dign tu tgi
Vigt Nam, Tgp chi phdt trien kinh te, sd 169
Dgng Mgnh Pho (2007).
Phdt trien dich vu thanh todn dign tie - bign phdp hiru higu de ddy mgnh thanh todn khdng diing tien mgt. Tgp chi Ngdn hdng, sd 20
Thir gian
Ban cho
Vao1 buoi sang cd 1 vj linh myc di dgo trong n>ng.
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Bit chQl con giu cung qui xu6ng v^ ndi: Cim an CHUA da cho con 1 bCi-a dn ngon!
^d> Tap chi nghien cufu Tai chinh toan
