Đang tải... (xem toàn văn)
- Tieh cUc sd dung djch vu thanh toan hien dai nhu chuyen khoan. Nam la, khuyin khich cae NHTM va ca cac td chuc cung dng dich vu trung gian thanh toan nghien edu, phat trien, cung d[r]
(1)Sau nam, trien khai O l an toan khdng dung t i l n mat [TTKDTM] giai doan 0 - va dinh hudng d i n nam 2 , boat dpng TTKDTM d Viet Nam da thu dupe nhilu ket qud r I t dang khich le, tao t i l n de quan trpng cho sU phat trien cua boat ddng toan nhdng nam t i l p theo
Co sd t i n g va cdng nghe TTKDTM dupe chu trpng d i u tU va phat huy hieu qua; hanh lang phap ly cho boat ddng TTKDTM da tdng budc dupe xac lap de dap dng yeu cau cua thUe t l ; TTKDTM tmng eac khu vUe edng doanh nghiep va tieu dung ca nhan deu cd chuyen bien; mpt sd phuang tien va djch vy toan mdi, tien lai va tien ieh dUa tren n l n tang dng dyng CNTT da x u l t hien va dang di dan vao cupc sdng, phu hpp vdi xu t h i toan cua cae nUde tmng khu vUe va tren t h i gidi Tuy nhien, viec sd dung t i l n mat v l n edn kha biln tmng giao dich toan khu vUc dan cU; cac san pham, tien ich cdng nghe toan mdi hien dai chUa dupe khai thac dng dung hieu qua Vi the viec phat trien TTKDTM v l n la mpt nhdng m i i quan tam chung cua ca he t h i n g ngan hang, cac to chdc cung dng djch vy toan, cung nhu td cac co quan quan ly nha nUdc
Theo dng Bui Quang Tien, Vy trudng Vu Thanh toan, Ngan hang Nha nude Viet Nam, viec phat trien TTKDTM thdi gian tdi se nham tdi eac mye tieu ca ban la: Tao su ehuyen bien manh me va rd ret v l TTKDTM tmng n l n kinh t l , trUde h i t trang mpt sd finh vdc trpng diem, han ehe tdc dp tang tien mat nen kinh te, giam ty le tien mat trang lUu thdng tinh tren GDP, lam thay doi mdt
Ang dung cac phirang tien
thanh toan hien dai, iiiy
manh toan l(hdng dung tien mat
Minh Tam
budc tap quan toan tmng xa hdi, tren co sd dd giam chi phi xa hpi lien quan den t i l n mat, tang them ngudn v l n huy ddng eda he t h i n g Ngan hang, gdp phln nang eao hieu qua qudn ly, giam sat cua cac co quan quan ly Nha nude ndi chung va cdng tae phdng, chlng tham nhung, tieu cUc ndi rieng TrUde m l t , viee phat trien TTKDTM nham hudng den myc tieu cy the sau:
[1] Giam t i i da viee sd dung t i l n mat tmng finh vUe tai chinh cdng, trUde h i t tap tmng vao mpt s l finh vUc trpng diem nhu thu t h u l , phi va le phi;
[2] ap dung rpng rai cac phuong thdc TTKDTM trang giao djch gida cae doanh nghiep, dae biet la trang quan he vay, tra no vdi cac TCTD;
[3] Tilp tue phat trien djch vu toan the, md rdng pham vi sd
dung the, da dang hda tien ieh va nang eao c h i t lUpng cac djch vu t h i , tap trung phat trien mang iudi c h i p nhan the boat ddng hieu qua, thUc chat, trUdc bet tai cac sieu thj, trung tam thuang mai, cac co sd phan phii hien dai, khach san, nha hang, khu vui choi
giai tri du lich;
[4] Sd dyng cac phuang thdc TTKDTM de toan dinh ky doi vdii cac djch vu thudng xuyen nhU: di^n, nude, dien thoai, Internet, trayin hinhj cap de giam thieu d i n vi^c nhan vien] cua cac dan vj cung dng dich vy phi d i n tdng nha thu t i l n mat;
[5] Md rpng dng dung cac phuonj tien va djch vu toan mdi hien de nhu Internet Banking Mobile Bankinc Vi dien t d ke ea d khu vUc ndng thor nai da cd Intemet va sdie*»R^3iOn cnoai di ddng
Cung theo dng Bui Quang Tien, de thdc day phat trien TTKDTM d n trien
khai dong bd mpt s l giai phap sau: Mdt la, t i l p tue va day manh phat trien djch vy toan the; md rgng pham vi sd dung, da dang hda ti?n ich va nang cao c h i t lUpng djch vu the
(2)phi cau dudng, mua xang d i u , mua ve xe buyt, di taxi.,
Nha nudc cd bi^n phap ho trp, khuyin khich de tang eudng tang cUdng lap dat ATM tai nai cd nhu eau; cd cac bien phap van ddng khuyin khich de can bd cong chdc tang cUdng sd dung cac phuang tien TTKDTM thdng qua tai khoan
Hai la ap dung 'mdt s6 bien phap ding bd de viec lap"'dat sd dung POS va khuyin khich ngiidi tieu dung mua hang hda djch vu toan qua POS; ^ Duy tri hoat dfhg on djnh va hieu
qua cua he thong POS da k i t n l i tai cac NHTM va cac to chdc cung dng djch vy toan d i n g thdi day
ihanh t i l n dp k i t noi cac he t h i n g POS in toan qudc
Nha nude thdc hien cac ea e h l , chinh sach Uu dai, cac bien phap khuyin khich [ t h u l , phi]; k i t hpp vdi cac bien phap kieh thieh cua cac TC-CUDVTT cac doanh nghiep cung d p hang hda, djch vu [giam phi khuyin mai, tich diem, quay xo s l ] ;
Cac CO quan d p phep kinh doanh, xep hang, danh gia doanh nghiep bo sung tieu chi lap dat va sd dyng POS doi vdi cac sieu thi, trung tam thuong mai,
Ba la, cai thien nang cao tinh nang va chit luang djch vu TTKDTM
- Cd bien phap yeu cau va giam sat cac to chdc cung dng djch vu toan thudng xuyen tri va khdng ngdng nang cao c h i t lUpng dich vu TTKDTM;
- Tang cUdng cac bien phap bao dam an toan giao dich the sd dung ATM nhU an toan dien, chay, no, chdng gian lan, ;
- Lam t i t cdng tac cham sde, bao ve lpi ich eda khach hang nhu hudng d i n sd dung eac djch vu TTKDTM, xd ly vUdng mac tra soat khilu nai
- Day manh suf dung cae phuang tien TTKDTM hien dai de toan hda dan djnh ky, thudng xuyen nhU: dien, nUdc, dien thoai, intemet, t m y I n hinh cap, vi du nhu Intemet Banking; Mobile Banking/SMS Banking/Phone Banking; Vi dien td;
B i n la, cd cac bien phap van ddng khuyen khich de can bp, edng chdc tang cudng sd dung cac phUong tien TTKDTM thdng qua tai khoan
- Tieh cUc sd dung djch vu toan hien dai nhu chuyen khoan toan tren may ATM, sd dyng toan POS, sd dung cac djch vy toan hda don dinh ky tai gia dinh minh bang cac phuong tien toan hien dai, ;
- Tren ea sd k i t qua trien khai Chi thj / 0 / C T - T T g , md mng pham
vi thue hien quy dinh ve viee chi tra qua tai khoan cua t i t ca eac khoan chi t d ngan sach nha nUde cho can bp, cdng chdc
Nam la, khuyin khich cae NHTM va ca cac td chuc cung dng dich vu trung gian toan nghien edu, phat trien, cung dng cac phuong thdc, djch vu TTKDTM mdi, hien dai dUa tren co sd t i n g cdng nghe thdng tin vien thdng [dien thoai di dpng va intemet] va ap dung nhdng kinh nghiem t i t eda cac nude da trien khai n h l m thuc day TTKDTM ca d nhdng khu vUc ndng thdn, vung sau, vung xa va ca ddi vdi nhdng doi tupng chua ed tai khoan ngan hang
Vdi cac giai phap ddng bd nhutren, cung sU nd luc vao cupe eua eac d p chinh quyen, cac doanh nghiep, dac biet la cac doanh nghiep cung dng san pham, dich vy hang hoa den trUc t i l p d i n ngUdi tieu dung [cac sieu thi, nha hang, cac nha cung cap djch vu dien, nude, dich vy vien thdng: dien thoai, mang Internet, ] hoat ddng TTKDTM tai Viet Nam se cd bUde chuyen bien manh me trang thdi gian tdi TTKDTM phat trien se la t i l n d l quan trpng gdp phan nang eao chat lUpng hoat dpng ngan hang, thdc day sU phat trien eua thuang mai dien t d tai Viet Nam va la cdng cu gdp phan thuc day giao thUong qudc te •
Khai truang trang thong tin tim tui Ho! nghj thifdng nien ADB 44 Ngay / , Ban To chdc Hpi nghj thudng nien
Hpi ddng Thing d i e Ngan hang Phat trien chau A [ADB) lan thd 4 da to chdc I I khai trUang Trang thdng tin dien td va cdng bo logo chinh thdc eua Hpi nghj
Tren trang web dang tai cac thdng tin ca ban lien quan d i n Hpi nghj cac thdng tin v l thj thUc, thdng quan mien t h u l cdng cac quyIn Uu dai, mien trd, khach sgn va nhOng thdng tin v l du Ijch Viet Nam va Ha Npi Ben cgnh dd cac dgi bieu va khach mdi cd t h i dang ky tham dp Hpi nghi va dat phdng khach san dat chd cac chuong trinh tham quan true t i l p tren trang
Hpi nghj thudng nien ADB lan thd 4 se dien tai Ha Npi t d d i n 6-5-2011 vdi sU tham dU cua khoang 0 d i n 0 dai bieu t d qudc gia vdng lanh tho la vien ADB edng dai dien cac to chdc kinh t l - xa hdi, doanh nghiep, cac chuyen gia kinh t l Diem mdi cua Hpi nghi l l n la Viet Nam se k i t hop to chdc Hdi nghj d p eao v l thuong mai va d i u t u vdi sU tham du cua eac dien gia, nha d i u t u t m n g va ngoai nUdc Day la mdt ca hdi tdt de Viet Nam qudng ba hinh anh va tUu phat trien kinh t l - xa hpi vdi ban be quIc t l