Phân tích thực trạng ứng dụng CNTT ngân hàng Chính sách xã hội Enterprise introduction VBSP Bank was established under Decision No 131/2003/QD-TTG on the establishment of the Vietnam Social Policy Bank based on the reorganization of the Bank for the Poor Currently VBSP capital of 5,000 billion VND, with more than 5,000 employees and 63 provincial branches and 612 banking room at county / district, and more than 10,000 outlets in communes across the country A state credit institution is characterized by, operating for the purpose of poverty reduction, economic development, social stability and sustainable growth, not-for-profit VBSP apparatus to manage and operate uniformly throughout the country, state-level allocation of capital, and to ensure liquidity, the required reserve ratio of 0% is not insured deposits, be exempt from taxes and state budget With the Board of Directors consists of 12 members from government ministries and chairman of the board is the Governor of the State Bank of Vietnam, the same dynamic staff, many business management operation in the field banking and financial markets domestic and international currency VBSP and innovations to better perform the tasks of the Party and the State entrusted Situation Along with the continuous development of information technology and unlimited applications in the field of IT, in Vietnam today economic integration with the leading foreign banks in the country have been deployed to provide products cater to the shopping needs of goods and services online, online payment more and more special attention in order to successfully apply and bring no small success now, before the situation then, the Bank has been promoting research and application of information technology, e-commerce to meet the needs of customers, as well as create a competitive advantage in the financial environment is gradually becoming more severe in the coming years VBSP is now operating in the banking sector, with specific activities are gradually expanding operations to commercial banks 've Noticed the upgrades, information systems, e-commerce, information technology should be particularly interested in investment and development to meet the increasing demand of customers, on the basis of which can expansion of products and services, attract new potential customers, especially students who are familiar with the applications on the Internet is huge VBSP currently on the road and in the near future restructuring entered the playing field with commercial banks in the country and the world is a matter of survival of the bank, so in addition to have been built a system has built strong information technology, software platform banks core Corebanking, the implementation of a functional website to provide application internetbanking will be a strong step to VBSP access to and success on the way into the playing field of the banking sector to meet the needs of increasingly diverse customers in the future Compared with other domestic and international Commercial Bank, the information technology systems of VBSP is relatively inferior Because information technology systems that have not been properly invested in previous years, but in recent years has been strong interest and investment in order to meet the challenges along with the rapid development of market finance, and restructuring of the banking sector and new challenges when playing officially joined the commercial banks in the next few years SWOT analysis (related to IT, file systems, e-commerce) In order to develop a strategic information technology, information systems, ecommerce, IT department has analyzed the strengths, weaknesses, opportunities and challenges of VBSP will encounter and thereby build should investment strategy and strategy development in the period 2013 - 2016 and vision to 2020 for the approval of the Board of enterprise SWOT OPPORTUNITY - Demand for THREAD payment, - Take the intense competition products and services related from domestic competitors and to growing Internet international - There are many products, many companies Requirements about the selling quality of customer service are online and accept payments higher online - - The high information - Government incentives security The theft of customer - There are many providers information and e-commerce and software designed to system fraud meet increasingly the sophisticated requirements of the Bank - Technology changes, and ongoing development - The habit of people using cash STRONG - Young customers of the bank WEAKNESS - Being deployed during building are very large student with over million customers - There is an investment of the industry - There are staffs of young, highly qualified, enthusiastic - There is a wide choice of providers and website design and overcome the weaknesses of opponents ahead -Having good financial potential Comparison with competitors in the same industry I would like to find out and analyze the three banks that provide services ACB, Vietinbank, Citibank, to VBSP selectively good points and avoid weaknesses in order to set up your website Source citibank.com.vn Citibank Vietnam is a foreign bank from multinational corporations citigroups Highlights of the site are: - More information - Fascinating - Many promotions - Easy to use - Good security - Demonstrate a variety of products and services - There are many link addresses - Beautiful interface Source acbonline.com.vn Source vietinbank.vn/epayment/onlineregist Basically banks have similar products, interface with user-friendly website, easy to remember, easy to use, especially the highly confidential information However, Citibank Vietnam website shows the diversity and abundance, the user more choice and information and to see the pro's and multi-site applications Analysis of experiences, lessons learned from other domestic and foreign companies Today, in banking industry adoption of information technology is not only necessary but also vital for the banks, but also for the Bank set out the challenges that are facing the great risks such as information technology theft of customer credit card counterfeiting, stolen passwords are becoming more sophisticated Lessons learned from Citibank that hacker attacks to steal credit card information of 200,000 individual customers in this bank To overcome or minimize network security risks the Bank also sets the staff regulations, Controller frequent password changes to the system making the transfers, withdrawals , and no password is provided for other people to use Use anti-virus software is copyrighted, or rent information security vendors and overcome cybersecurity vulnerabilities When provide online money transfer service, a huge risk if used by hackers The fix is to hire firms antivirus software copyright look and fill the security holes before providing services In addition, the Bank is planning to deploy the application of digital signatures to ensure the safety of electronic banking transactions Also consult the security of RSA's technology, (via the RSA SecurID solution security token) that Vietcombank is applied in the past year, as well as valuable lessons for the banking application - High security with RSA token client will be doubly protected by two-factor (token Pin code) is always changing - Low cost, and continuous operation applications installed on the OS window By doing this VBSP will draw lessons to choose good solutions but solutions RSA SecurID token security solutions as well as special attention is deployed and synchronized with the internal security solution Via some lessons learned, when performing VBSP will draw lessons to choose good solutions but solutions RSA SecurID token security solutions as well as special attention is deployed and synchronized with the internal security solution Find out application IT solutions in the banking sector Recognizing the advantages of e-commerce as well as the application of information technology such as: reduce costs, increase revenue, expand and strengthen relationships with domestic and foreign partners So in the world of information technology is used very much in the banking sector is creating a lot of products and innovative services for human life The solution is given as the application of IT in the banking sector - Continue adding complete legal framework and policies for the development of electronic payment In the clear legal framework, transparent and reasonable supervision of state banks will increase the confidence of businesses and individuals on electronic payment systems and IT applications in particular the banking sector told General - Continue to promote the development of card payments via pos, diverse types of payment cards, and to encourage the development of physical POS cashless payment, as well as to promote the development of new forms of payments through the Internet, via mobile phone - Focus resources to develop the network infrastructure for IT applications engineering, electronic payments, such as centralized network development, accept cards, which will build up businesses to accept card system payments, promote inter-network connectivity pos nationwide, completed the construction of the center unified card switching - Actively coordinate with the relevant implementing agencies to promote the prevention of high-tech crime, related to electronic payment, and security of customer information - Promote the dissemination and education-oriented community with products and services; to IT applications in banking become habits of customers Strategic of IT and e-commerce applications in the Bank With the modernization strategy of the Bank and the Government of the State Bank of 95% far most active, products and services of the Bank has been computerized At a seminar on banking Vietnam 2012 exhibition held month's 5/2012 by Mr Le Manh Hung (IT Department) in recent years SBV has issued a series of documents, legal in the industry to guide and adjusting the activities related to the procurement of equipment, ensuring operational and security requirements in the field of Security Bank According to Mr Hung strategic IT applications and e-commerce in the banking industry for 20122016 will focus on six key areas: operating support monetary policy, supervision, data security management national development, national payment systems, treasury management, operations management and other internal - With strong strategic development of credit financial institutions within the country, promoting the application in cashless payment and boost revenue collection activities, the fees and expenses of State Bank through the system, develop payment applications over the internet via mobile phone To successfully implement the strategy, set objectives synchronous request made perfect strategic technology infrastructure and diversified banking services with the aim of supporting the banks capacity addition competition, effectively utilize human resources, simplify administrative procedures, changes in business practices and enhance service quality, expanding electronic channels of communication between the customer and the modern commercial banks such as ATM , POS, Home Banking, internet banking According to Bui Quang Tien - Billing Department under the State Bank of Vietnam seminar Banking Vietnam 2012 exhibition held month's 5/2012 opinion: Enhance the application of information technology and communication to develop the new electronic payment State should have incentives for loans for businesses to invest infrastructure development, application software for the development of the new electronic payment, besides, commercial banks to promote technology development, compatible software to develop a new payment method Doing so will enable banks to more sustainable development through diversification of services, maximize benefits, build distinct competitive advantage The action plan and specific goals 8.1 Action plan On the basis plan was given, IT Department building project specific investment, deployment time, number of employees and efficient software is expected to put into operation as follows: Exchange rate USD / VND (20.920/20.960) The cost of buying software: $ 5,000,000 (Equivalent to 104.8 billion dong) System hardware cost: $ 1,000,000 (Equivalent to 20.96 billion dong) Implementation time is estimated at 12 months, with 10 months of software development and system integration, testing 02 months The number of employees expected: 40 System maintenance costs will average $ 250,000 / year (Equivalent to 5.24 billion dong) The cost of staff salaries will average 12 million / person / month (Equivalent to 5.76 billion billion / year) Thu transaction fee: 3,300 VND / transactions including vat No insider trading charge After 12 months in operation, the number of people using the service and the expected revenue is as follows: The cost of buying software and hardware original Bank estimates are depreciated over 10 years Equivalent to 12.576 billion VND / year The system includes the following modules: Query Module account Deposit Module Module loan Module internal payment Interbank Payment Module Module related products, is promotion Payment system is accessible website: VBSP online.com.vn 8.2 Detail revenue and profit each year as follows: TABLE OF REVENUE AND PROFIT Unit: VND No Target The number of users is expected to Net transaction fees (excluding 10% VAT) The number of transactions per year / Total fees collected The average annual cost Average annual profit The annual depreciation Profit before tax Year Year Year Year Year Year Year 600,000 650,000 700,000 750,000 800,000 850,000 900,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 12 12 12 12 12 12 12 21,600,000,000 23,400,000,000 25,200,000,000 27,000,000,000 28,800,000,000 30,600,000,000 32,400,000,000 11,000,000,000 11,000,000,000 11,000,000,000 11,000,000,000 11,000,000,000 11,000,000,000 11,000,000,000 10,600,000,000 12,400,000,000 13,200,000,000 16,000,000,000 17,800,000,000 19,600,000,000 21,400,000,000 12,576,000,000 12,576,000,000 12,576,000,000 12,576,000,000 12,576,000,000 12,576,000,000 12,576,000,000 (1,976,000,000) (176,000,000) 624,000,000 3,424,000,000 5,224,000,000 7,024,000,000 8,824,000,000 So that, after two years of planning went into operation, the business started with interest So, when the number of service users increased and the average number of transactions increases, the Bank can apply accelerated depreciation methods for early withdrawal of funds to continue to study and implement investment other new products With the effective application of information technology with reasonable market penetration strategy and investment in the right direction will lead to success for banks Conclusion: The strong growth in banking, finance and now can not be separated IT applications, it creates new breakthroughs in critical areas of the economy The development of information technology and its application in the banking sector has brought thousands of products and services in the banking sector in developing countries However current research in Vietnam products, services application information technology in the banking sector only stop at approximately one hundred so application and development potential is enormous needs a large investment, research-oriented options And with the experience of the developed countries the application of information technology in general and banks in particular electronic payment will bring more success in the banking sector as well as bring more satisfaction customers and communities contribute to greater success for the Bank Reference Slide lecture Programs MBA courses in International Business Management Information System of Dr Nguyen Van Thoan www.acb online.com.vn www.vietinbank.com.vn www.citibank.com.vn www.vbsp.org.vn ... and development potential is enormous needs a large investment, research-oriented options And with the experience of the developed countries the application of information technology in general... systems, ecommerce, IT department has analyzed the strengths, weaknesses, opportunities and challenges of VBSP will encounter and thereby build should investment strategy and strategy development... user-friendly website, easy to remember, easy to use, especially the highly confidential information However, Citibank Vietnam website shows the diversity and abundance, the user more choice and