Khai thac hieu qua ha ting cong nghe, nang cao chat lifong hoat dong ngan hang
ThS. Doan Thanh Hal, Pho Cue tri/dng Cyc CNTH Ngln hing Ket qua khao sat mdi nhat cua Bp
Thong tin va Truydn thong ve thLfc trang img dung CNTT trong cac nganh cho thay hien tai, Ngan hang di/oc xem la mpt trong nhQng nganh ifng dung CNTT sau rpng nhat: 98% cac chi nhanh da tham gia ket noi mang WAN, 96% ngan hang da co he thong dam bao an ninh mang, ty le may tfnh tren can bp toan nganh dat tren 92%, 92% ngan hang CO chinh sach quan ly rui ro di;a tren nhn tang CNTT-TT, 88%
ngan hang co he thdng dam bao an toan dQ lieu va co 68% ngSn hang da trien khai lap dat he thdng may rut ti^n ttf dpng ATM...
He thdng Ngan hang Vifit Nam da xay dung dugc mot ha ting CNTT vd he ttidng CNTT tdflng ddi htfin dai theo md hinh tdp trung hda tdi khoan, nhifiu tifin ich ngan hang dd ddOc Nganh Ngan hang khai thdc vd sif dung phuc vu nhu clu phat trien ktnh te - xa hot vd ehu ddng hdi nhdp vdt khu vdc va thl gidt.
1. Diy manh lin hoc hoa cac hoat dong nghiep vu ngan hang
Htfin nay, d l tdi UU hod hoat ddng, tang hieu qua cdng vtec, han che tiiii cdng va gilm chi phi nhan Idc, cac ngdn hdng da ddu tU xdy dung nhieu ehdflng trinh tien ich phgc vy khdng ehi cho nghiep vu md ea frong ITnh vdc quan 1^.
He thong lAiSn mim idi ngan hang Cor^ar^ing:
Hien nay dViet Nam, vific si!f dgng CoreBanking difin ra nhd mdt xg i i i l t i t yeu. Phdn mem Idi ngdn hdng hien dai se giiip cac ngdn hdng cung d p cdc djch vu hoan ehinh thdng qua nhifiu kfinh phan phdi (mang ATM, Mobile Banking, Internet Banking .,.), md rong quy
Sd lifiu thdng kfi sit dyng phln mim CoreBanking frong cdc ngdn hdng d V i ^ Nam:
S I T 1 2 3 4 5 6
Gifl rbtfy CoraBailBM rwwvnt
Rvatbo SntrWiak IPCAS Sylvoritln Aratxt Synbolt. PM Symbolt
tft^im k i l l tntn khai d i f d«ai Tachconliaflk, StfVBink, MB, VPBink, OCS, An Siah Bink, GPBank, Sicombank,.
PAng A Bank, OceanBank, Nam A Bank, VRB, Tiin Pttone Bank, ladwina Sank, Cathiv tlHted Bank...
VID Public Bank, LaoViet Sank, SCS, Dai Tfn Bank, DS Nhrt Bank..
Agnbank
Vistconbank, BlOV, ViebnBank, Manfme Sank, Hong Leoas Vi^t Nam Bank, &a Dinh Bank,...
Saigonbank, SicA Bank, HDBank Nsoii ra cdn c6 m^ i6 ft cic ngin bins sif ding cic Oig dvng nhi/Wiifos, FOVA, Daik2000; TC8S Ske conpIcK binltne solulo* - p i i phip nsin Mng pk6t Ii0pt, KoreBink. Hidii Hut, Tl core (cii Ning TriMSRfatech - Siniapore)
md hoat ddng ciJa ngdn hang vd xii' ly khdi Idflng edng vific hoac g:ao dieh Idn nhdng khdng Idm tdng ehi phi tdi nguyen vd cfl sd ha tdng tdOng dng. Hdu hit (hfln 90%) ngdn hang b Vifit Nam da vd dang ttlp can vdi hfi thdng CoreBanking theo hddng ngdn hang hien dat va online. Phln mim loi ngan hang CoreBanking ddOc cot la hat nhan toan bd hfi thdng thdng tin eua he thdng ngdn hang ttiUflng mai hifin dai vdi kha nang quan ly rui ro 5 tdm vT md, kiem sodt an todn, xd ly giao dich td ddng nhanh chdng, Ve bin ehat day la hfi thdng phln mim ti'ch hgp cdc dng dung tin hge ciJa quan ly thdng tin, ke toan tdng hgp, quan ly gtao djch, tiln gul, tilt ktem, tin dung, ngdn quy, bao cao Ngdn hdng Nhd nudc, bao hilm ben gdi, bdo edo dieu hdnh, quan tri rui ro... trong he thdng Ngdn hang, Cdc he thong thanh todn: Cdc ngdn hdng thdc htfin Hianh todn chu yeu qua Hfi thdng thanh toan dtfin td lifin ngdn hdng. Ody la Hfi thdng Thanh todn difin tis trdc tuyln (online) hien d^i nhlt tilf frddc tdi nay, ddflc xdy ddng theo tifiu chuan qudc t l . Md hinh thanh todn nay da ddoc nhilu nddc frong khu vuc va the gidi dp dung rlt hieu qua vd cung da the hien ti'nh uu vtet qua gin chgc nam dp dgng 6 Vifit Nam, Ben c?nh dd, ede ngdn hdng edn sd dung cdc kfinh thanh toan khac nhd SWIFT (Society for Worldwide Interbank - fruyin edc dien tin lien ngdn hang, thddng dung eho
thanh todn qudc tl), VCB monney (dieh vu ngdn hang difin tddo ngdn hdng Vietcombank cung cap), BIDV HomeBanking (djch vg ngdn hang dien tircho phep khdch hdng ed thl kit ndi vd thgc hifin cdc giao djch ngdn hang vdi BIDV h^xa), Banknet (chuyen mach tai chinh), Thanh toan song phdong, MoneyGram (Chuyen tifin kilu hdi nhanh) Lgt ieh mang lai tir hien dai hod hoat ddng thanh todn khdng chi Idm giam ddng k l thdi gian thanh todn giup tang nhanh vdng quay vdn eija doanh nghiep vd nen kinh t l md edn Id CO sd cho ede ngdn hdng thdc hifin dieh vu ngdn hang difin td, la nen tang quan frong cho sd phdt triln thdong mai difin ti) d Viet Nam va han chi thanh todn bdng tiln mat trong nen kinh t l .
H$ thdng ngan hdng tUe tuven (ESankinsI:
Nlu nhu frudc ddy khi ndi din khdi nifim m^ng Iddi, ede kfinh phdn phdi thi ngudi ta thudng hieu Id ede phdng giao dtch, cht nhanh - nfli cdc giao dich vien eua ngdn hang tiep xiic vdi khdeh hang, thi gid ddy vdi sd phdt trien manh me cua cdng nghe, khat mem mang Iddi da ngdy cang ddflc bd fro, trong dd phai ndi den edc kenh giao tilp dien td hay ngdn hang frde tuyln (EBanking) nhd:
Web Banking, SMS banking, Mobile Banking, Internet Banking... cae djeh vu E-Banking ndy eung cap cdc dtch vg de ngUdi dimg ed the tra eiilJ hode thdc hien vtec giao dtch mdt
cdch tien lot nhanh ehdng md khdng phli trde tiep den dilm giao djch cua ngdn hdng, Vific md rgng mgng Iddi, phdong thde tilp xuc vdi khdch hang, tdtrdc tilp tat quIy giao dich vd dilm chi nhdnh din gidn tilp ttidng qua thuong mgi difin td vd thanh todn trdc tuyln sfi Id xu hudng t i t ylu cua cudc sdng hifin dgi khi edng nghfi thdng tin dang phdt friln manh mfi. Dii mudn hay khdng, cdc ngdn hdng cung dlu phli phdt tnln theo > 11 hddng ndy. Do dd cdc ngdn hdng tiidong mn dlu dang nd Idc phdt friln djch vg ngdn hlri:
frgc tijyIn vdi mue dich da dgng hda cdc s^m phlm dtch vg d l phgc vg khdch hdng vd tdni:
ttnh cgnh tranh fren thj frudng.
Cdc dne dune sddune trone cdc hi thir:
khdc:
+ Hfi ttidng quIn ly till: Thl ghi noAin dyni:
(VisaCard, MasterCard,,,.), the rdt tiln miit ATM,,,.
+ Chuong trinh quan ly fruy nhdp: Doma:
Confroler, Clean Access Agent + Phln mem Pomtech hd fro cho Ngdn hang thue hien bao edo;
-t- ling dung giup quan ly vdn ban cdng vdn ndl bg: SOffice, PortalOffice, SSutte Office, Cvsoft, eOffice, eDocument,...
+ Cdc chdong frinh quan ly dtlu ehuyen vdn ndi bd hfi thdng quan ly tat san, chuong trmh quan ly nhdn sgttin lUflng, thdng tin tin dgng, hfi thdng xIp hang ti'n dung ndi bd 2. Bly manh d6l mdi cong nghe nang cao nang luc canh tranh
Tdc dd phdt frien nhanh chdng vd ehuyin ddl mdi frddng tao ra co hdi cho cac doanh nghiep, ddi hdi cdc ngdn hdng phai quan tam nhilu hon den khdeh hang, tdi uti hda rui ro tdi ehinh vd riji ro tdc nghifip. Chinh vi ttie su phdt frien cua ngdn hdng trong giai doan mdi, CNTT cd vai trd rlt quan trong va xem nhu khdu ddt pha quan trong trong chien luoc hoat ddng cua todn ngdn hang Viet Nam.
Cdc hfi thdng CNTT giup vi^c quan ly vd kmh doanh cija ngdn hang dUflc chdt che, an todn, chinh xac, kip thdi vd hifiu qua. CNTT hifin dai da gdp phdn Idm thay ddi dien mao He thdng Ngdn hang Viet Nam Thdng qua nhong thdnh tuu edng nghfi hifin dgi, uy ti'n eiJa Ngdnh Ngan hang ddoc nang len song song vdi sd phat trien eua cac dieh vu da
dgng, mang lai tifin ich cho khdch hdng, D$c bifit, vdi mdt nln ting cdng ngh$ thflng tin ngdn hdng hifin dgi dd tgo dilu ki|n md rdng giao thdflng vd hdi nhdp qudc tfi cua nln kmh t l Vifit Nam
Tiln sT Christine Zhenwei Qiang (Trddng bfl phdn ktnh t l CNTT, Ngdn hdng Thl gidt) cho bilt CNTT ddng vai trd quan trong trong vi|c
quylt djnh cho doanh nghifip Idm dfln gian hda mgng Iddi truyin thdng d l ddp ifng nhdng yfiu clu truyin thdng mdt cdch hieu qui blng d c h thue dly kiln thdc cdng nghifip chfio nhau.
Cdng nghfi chinh Id ylu td hdng dlu d l cac ngdn hdng duy tri igi t h l canh tranh cija minh. Trong gtai dogn hflt nhdp kinh t l qude
tgo ra cd hdi ktnh doanh vd ndng cao kha ndng canh franh vdi cac ddi thu frfin ttil gidi.
Vific dng dgng CNTT thich hop cd ttie giiip doanh nghiep clt gtam chi phi blng cdch cai tiiifin cdc quy trinh ndi bp, cat tiiifin san phlm cija ho ttidng qua vific giao tiep nhanh hOn vdi khdch hang. Ngodi ra, nd cdn gdp phln thuc dly tdt hfln va phdn phdi cae san phlm cua hg qua sd htfin difin ciJa tri;c tuyln.
CNTT dd tao nen mpt nln mdng vdng chdc giiip ngdn hang vd cdc dinh chi tdi chi'nh try vdng trong cudc cgnh tranh ngdy cdng khde lifit thdng qua vific cai thifin ndng Idc cgnh tranh vd ting kha ndng md rgng thi phln ciJa minh.
Khi ifnh vgc Ngdn hang duge md rdng, se cd nhilu ngdn hdng trong vd ngoat nudc cgnh tranh nhau d l Idm tdng thj phln eua minh.
Trong mdt frudng ktnh doanh canh tranh nhu hifin nay, fruyin thdng trd tiianh yeu td quylt dinh ciia doanh nghigp, Cdc ngdn hdng cd nhtfrig yfiu clu v l truyin thdng phifc tap, vdt nhilu thilt bl va nhu clu gia tdng cho sg Idu ddng, hon nOa cln phli dem tdi mdt kinh nghifim ndng cao ehat lddng khach hdng vd nhdn vifin, tdng kha ndng san xult vd tdp trung vao ttiuc thi. Liic ly, cdc ngdn hdng bit bude phai chon ddi tdc chuIn d l thilt k l vd thdc hifin nhdng giai phdp truyin thdng
te, khi hdnh lang phdp ly duoe ttidng ttiodng, edc rao can ve vific phdn bifit ddi xd giiia cac ngdn hdng vfli nhau cung khdng con nda, khi ma djch vu cua cae ngan hdng gan nhu tuong duong nhau thi ngdn hdng nao cd cdng nghfi tifin tien hOn, ngan hang do sfi cd duoc du thl trong edc cudc chay dua gianh lly mem tin khdch hang. Tai Vifit Nam, cdc ngdn hdng da the hifin rd nhdn tiide do. Khi nang nhgy bfin frong viee tilp can vdt cac cdng nghfi mdi eiing dd din ddgc bdc Id.
Nhdng khdch hdng doanh nghifip vd ca nhdn ngay cdng yfiu clu cao hfln. Vi thl, cdc edng ty cln phai phdn biet nhau bdng cdch dua ra nhdng dich vg nhanh hon, tdt hon, ca ti'nh hon vd qga mgt loat nhdng phuong tien truyin thdng nhd thoai, e-mail vd fax. Cac dmh che ngdn hang, tai chinh vd bao hiem nfin chii y tdi viec lam thl nao de cai tiiifin dmh tuyln thoai frong nhOng gid cao diem hogc thtfc htfin vific quan ly quan hfi khdch hdng qua dich vu khdch hang dac bifit.
Sd Idn mgnh khdng ngdng eua toan hfi thdng ngdn hang da dat ra nhifiu sdc ep canh tianh, frong dd viec dly manh img dung cdng nghe mcri de phdt frien va md rdng san phlm, dtch vg ngan hang da tien ti'ch trfin nln CNTT tifin tien, dang ddflc xem Id yeu td cO bin dem lai lot t h l cho cdc ngdn hdng •
16 • TAP CHi TIN HOC NGAN HANG • s63(127|-4/2012
