NG&N HANG TRI/C TUYEN
Mdt nha cung cap dich vu ciia mdt Thanh wen P P cd t h l cung cap mdt dich vu tai chinh md tai tiij tiudng cua nUdc TPP khac neu cac cdng ty ttong nfldc tai thi tiifdng nay difpc phep cung d p djch vu dd. CIc Thanh vien TPP cd cic ngoai ie cu till cua minh ddi v6i mflt sd eac quy dinh frong hai phu luc dinh kem Hiep dinh TPP.
Cac Thanh vien TPP cung dUa ra cac nguyen t i e cdng nhan chinh thflc t i m quan frong cua quy trinh hoach dnh chinh sach d l giai quyet viec dfla ra cac
djch vu bao hilm cua cae nha cung cap dfldc elp phep va cac quy trinh de dat duoc muc tigu nay.
Hiep djnh TPP cung dUa ra cle cam ket v l quan ly danh mue diu tU, dich vu thanh toln the dien tif va chuyen thdng tin d l xii ly dfl lieu; quy djnh ve tranh chap diu tfl lien quan tdi tiSu chuan ddi xuf tdi thieu tren co sd tap quin lult thuong mai qudc te, cung nhfl cae quy dnh liSn quan t d cac chuySn gia djch vy tai chinh trong ban trong tai va co ehe
trinh ti; dac bi?t nham tgo diSu kien cho viec ap dung cac ngoai le ttian ttong.
Cudi cung, HiSp djnh bao gdm cac ngoai le duy tri quyen Imh hogt Idn eho cac nha quan ly tai chinh ciia TPP thflc hien cac bien phap ttiuc dly sif dn dnh tai chinh, sfltoan ven cua hS thdng tai chinh va cac bien phap khong phin biet ddi xS nhim theo dudi c l e chinh sach tiln te ho^c chinh sach cu t h l k h l c i
Muc phi cac dich vu thanh toan bao dam nguyen tac canh tranh, cong Idiai va minh bach
Mui: phi ma cac to chut lin dyng (KID) ap dyng-doi vori dich vy Ihe va lai tual khi khdch hang Ihanh loan io du the lin dyng gua hpn hien nay c6 phu hpp?
Ngan hang Nho nud'c (NHNN) co gidi phap gi de kiem seal, qua do khuyen khich khach hang siydyng dich vy Ihe va day mpnh phai trien thanh toan khong dung lien mai (IIKDIM)? Vy Iruong Vy Ihanh loan NHNN Bui Quang lien do Ird Icfi xung quanh nhDng van Jc noy.
- Ong CO danh gia nhu tiie nao trudc viec nhieu khach hang phan anh hien nay mot chiec the phai "ganh" qua nhiiu loai phi?
• T r i Id: Hudng flng chii fruong phat friln TTKDTM ciia Chinh phu, dfldi su chi dao ciia NHNN, cle TCTD nhilu nam qua da day mgnh cung Ung cac djch vy tiianh toan md gin vd tang cfldng tign ich, ning eao chat Iflpng dich vy de dap flng
xu hudng dich chuyin td thanh toan tien mat sang TTKDTM cua ngfld dan va doanh nghiep. Cl chilu ngUdc lai, ngudi din va doanh nghiep cung ngay cang ddn nhan tich cflc hon cle dich vu m l ngln hang cung flhg nhim thflc hien cac giao dich thanh toln, chuyin - rut tiln an toan, ttiuan tipn, tiet kiem thd gian va chi phi giao djch tiidng qua he thdng ATM, thiet bj dpc the PCS, dich vy ngln hang qua Internet, qua den thoai di ddng hay tin nhin SMS.
xac djnh thu phi djch vu nao, 5 mflc bao nhieu la quyln tfl quyet ciia cle TCTD da duoc quy djnh tai Oilu 91 Luat To chflc tin dung nam 2010; NHNN chi can thiep, dieu tiet loai, mfle phi ciia cac ngan hang frong frfldng hgp cd diln bien bat thudng anh hfldng den an toan he thdng.
Tren ttiflc te, cic loai phi djch vu ludn di kem cac loai djch vy ngln hang cung elp tdi khach hang. Trong dd vdi xu hudng day manh cung cap cac djch vu mdi t d khach hang, lUdng phi dich vy cung tang len theo sd Iflpng dich vu dfldc cac ngan
Unh Anh
hang cung ilhg ra thj trudng. Tuy nhien, tiiy theo logi djch vg m l khach hang \\fa chgn, sCrdyng, khach hang chi phai fra phi ddi vdi dich vu ma khach hang lua chon sif dung. Khaeh hang cd quyln lifa chon viec sir dung cac dich vu ttianh toan cung nhfl ngan hang phii hdp nhat danh cho minh va cac ngan hang ludn mong mudn cung d p nhimg djch vu tdt nhat tdi khach hing cua minh cung nhU khdng ttiu ttiem bat cfl khoan phi nao khac ngoai bieu pH da cdng bd.
- Khach hang phan anh rSng, nhiiu loai phi ngan hang thu khong thifc sUhdp ly va qua cao nhif: Phi thanh toan Intemet Banking doi v& ngSn hang ngoai he thong 11.000 dong/lin; phi 9.000 ddng/thang neu so dif binh quan thang nho hon 200.000 dong. phi tin nhan 5.500 dong -11.000 ddng/thang... Ongcoykienff vi van de nay?
• Tra Id: V l ban chat, phi dich vu ttianti toln chinh la gil cua san pham, djch vu do ngan hang cung utig. Thu phi dich vy nao, d mflc bao nhieu 11 quyln tfl quyet cua 1 2 • TAP CHI TIN HOC NGAN HANG • s 6 7 ( 1 5 5 ) . 10/2015
NGAN H A N G T R I / C TUYEN
cle TCTD tiieo dung quy dnh cua phap luat va phai mem yet cdng khai, minh bach Bieu phi cua ngan hang minh trSn website, quIy giao djch... Khaeh hang hoan toan cd quyln l i ^ chpn sd dyng cle djch vy thanh toln eung nhu ngan hang phu hpp nhat danh eho minh v l cic ngan hang ludn phai ed fraeh nhiem cung cap nhiing djeh vu tdt nhat t d khich hang cua minh eung nhU khdng dupc thu them bat cfl khoan phi nlo khic ngoai bilu phi da cdng bd.
- Lai suat khi Uianh toan so dtf the tin dung qua han cua mot so ngan hang dang ap dung len tdi 30%/nam, tham chi khach hang con bi phat them lai suat tra cham them 4%/nam. Trong khi mat bSng lal suat cho vay hien nay chldao dong dmOc binh quan 8-10%/nam. Nhd vay co hap ly khong, thda ong?
- T r i Id: Ci Viet Nam hien nay, cd rat nhilu ngan hang cung d p djch vu the tin dyng cho khach hang nen thj frfldng djch vy the canh franh cao dip img nhu clu da dang cua khich hing. Khic vd the ATW ehi tiSu bang tiln sin ed trong tai khoan, khi sir dung the ti'n dung, ehu the l^dng eln phai tra ti'gn mit ngay khi mua hang. Thay vao dd, ngan hang flng frflde tiln cho ngfldi ban hang hda, djch vu va chu the se fra sau cho ngan hang sd tiln giao dich da flng trudc dd khi den ky thanh toan.
Trfldng hdp khieh hang holn tra toan bd diing han theo sao ke the tin dung thi se dupc miSn lai {ttong vdng tfl 30 den 45 ngay ke tii' ngay phat smh giao dich), khdng phai chiu phi bat ky khoan phi hay lai vay nao ca.
Tuy nhien, tiiUc te cho tiiay, mdt sd khach hang thudng khdng ttianh toan hoac chi ttianh toln sd dfl tdi thilu (mdt phin du np tiie tt'n dung) ttiay vi ttianh toln dung han toln bd sd tiln mua slm frong ky sao kS. Trong ttUdng hdp dd, khich hang phai chju mgt khoan lai vay ttie tin dung v|/hoae fra phi cham fra doi vd sd tiln ehfla dfldc holn tta. Lai suat the tin dung
thudc nhdm lai suat cho vay tieu dung ea nhan, mang ti'nh thoa thugn theo quy dmh phip iuatva dupe cac ngan hang cdng bo cdng khai theo bilu phi djCh vu eua ngan hang frong ti!fng thd ky tai quIy giao dich va fren website. Mflc lai vay l p dung ddi vd khieh hing giao dong tfl IS-30Vnam tuy tUhg ngan hang.
- /VH/V/V CO can cis va ca che nao de kiem soat duoc phidfch vu the dam bao no luon d mifc hap ly so vcfi chi phi diu tu, yeu to dau vao cac dich vu nay de dam bao quyin lai cua ngucfi s\f dung?
- Tra Id: Hien nay, eung flng djch vu cd thu phi cua cac ngan hang, frong dd cd dich vu thanh toln II phu hop vd quy dmh phap luat hien hanh, nguygn ly ldnh doanh, dam bao nguySn t i c canh franh-cdng khannmh bach.
ThU nhat, phu hpp vd quy dmh phap luat hien hanh v l phi dich vy thanh bain. Theo quy dnh tai Luat eae td ehflc tin dung va Nghi dinh sd 101/2012/NOCP ngay 22/11/2012 eua Chinh phii v l TTKDTM, TCTD dUdc quyln an dnh va phai niSm yet cdng khai eac mflc phi cung flng dieh vu frong boat ddng kinh doanh; ddng thd, TCTD va khach hang cd quyln thda thuan v l phi djch vu thanh toln frong hoat ddng ngln hang cua td chflc tin dyng theo quy dmh eiia phap Iuat.
Thif hai, phu hdp v d nguygn tae thda thuan, bu dip chi phi ttong hoat ddng kmh doanh, cung flhg dich vu. Cung dng cae san pham, djch vu ngan hang hay cac djch vu tien ich khac frong xa hdi ma khdng phai la djeh vu cdng, nhin chung dfldc thflc hien frgn co sd ttida thuan gifla nha cung flhg dich vy va ngfldi sii dyng djch vu, frong dd cd thoa thuan v l loai dich vu va phi/gia dich vu. Thu phi dich vu giiip cac td chflc cung flng bu dap dUpc ehi phi, tao dSu kien ^ a tang tien ich va nang eao chit lUpng djch vu.
Jhitba, dam bao nguySn t i c canh franh, cdng khanminh bach. Bilu phi dtch vu thanh toan ma cae ngan hang ta \^St Nam
hiSn dang ap dyng phu hpp v d quy dnh ciia phap luat; va tfldng ddng vd thut tiSn, thdng le ve l p dyng phi djeh vu thanh toln cua c l e ngan hang fren the gid va tiong khu vflc.
V l nguyen t i c va phu hc^ v d thdng le qudc te, NHNN khdng can thiep true tiep vao mdi quan he thu-tra phi giila ngan hing va khach hang ma d l cho thj trudng tfl dilu tiet frgn CO sd tiida tiiuln, phu hdp v d Luat Cac td chflc tin dung cung nhu Nghi dnh eiia Chinh phii. Tuy nhign, trfldng hgp thi frudng cd diSn bien bat thfldng hay mdt sd loai phi thj trfldng khdng t h l tfl deu ttet dflpc, NHNN vln se can thiep. Hoac la, giin tiep thdng qua khuyen khich eae ngan hang egnh franh cung flng san pham, dich vu phii hpp di ddi vd dam bao va nang cao chit lupng dich vu. Hoac, NHNN se can thiep thong qua thiet lap bilu khung phf hoac mifc phi ttln doi vd mdt so logi phi nhat djnh cd anh hudng Idn den toan xa hpi neu thi ttudng khdng t h l tif dilu tiet dupc.
NHNN \^n tiep tyc ttifldng xuySn theo ddi, tdng hgp Bieu phi ciia eae TCTD; ling nghe nhflhg phan anh cua ngud dan, co quan bao chi d l kip thdi xuf ly cic vm d l phit sinh bat thudng theo dung quy dnh ciia phap luat.
- Neu cac ngan hang co Unh dua ra cac quy djnh bat help ly, thu tiin cua khach, ngifdi sif dung co the khieu nai len NHNN dex&lykhong?
• Tra Id: Khaeh hang cd thic mic, khieu ngi v l quy dnh thu phi bat hpp ly trUdc tiSn cin lign he frUe tiep t d ngan hang phue vu minh de dflpc giai dip v l xCr ly.
Trudng hpp ngan hing cd tinh thu sai v l mflc va loai phi so vdi bieu phi da cdng bd hoac thu phi khdng phu hop vd quy dnh phip luat, khach hang cd till khdi kien nlu gay thiet hai cho khach hang hoac phan Inh v d NHNN qua kSnh khieu nai v l NHNN se tiep nhan, eho kilm fra, xif ly tiieo diing quy dnh phap luat.B TAP CHi TIN Hpc NGAN HANG • $6 7(155). 10/2015 • 13
