{"id":20354,"date":"2013-10-19T08:43:39","date_gmt":"2013-10-19T08:43:39","guid":{"rendered":""},"modified":"2013-10-19T08:43:39","modified_gmt":"2013-10-19T08:43:39","slug":"thanh-toan-bang-tien-mat-giam-manh","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=20354","title":{"rendered":"Thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t gi\u1ea3m m\u1ea1nh"},"content":{"rendered":"

Theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t tr\u00ean t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n c\u00f3 xu h\u01b0\u1edbng ng\u00e0y c\u00e0ng gi\u1ea3m d\u1ea7n t\u1eeb 20,3% (n\u0103m 2004) xu\u1ed1ng 14% (n\u0103m 2010) v\u00e0 \u0111\u1ebfn nay t\u1ef7 l\u1ec7 n\u00e0y v\u00e0o kho\u1ea3ng 12%.

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Trong kho\u1ea3ng 3 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, c\u00e1c d\u1ecbch v\u1ee5, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t (TTKDTM) t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, \u0111a d\u1ea1ng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed nh\u01b0 th\u1ebb ng\u00e2n h\u00e0ng, Internet banking, mobile banking, v\u00ed \u0111i\u1ec7n t\u1eed\u2026 \u0111\u00e3 v\u00e0 \u0111ang \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf thanh to\u00e1n c\u1ee7a c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c v\u00e0 tr\u00ean th\u1ebf gi\u1edbi. <\/FONT><\/P>

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M\u1ed9t b\u1ed9 ph\u1eadn l\u1edbn d\u00e2n c\u01b0 (c\u00f4ng ch\u1ee9c, vi\u00ean ch\u1ee9c, h\u1ecdc sinh, sinh vi\u00ean, c\u00f4ng nh\u00e2n \u1edf c\u00e1c khu c\u00f4ng nghi\u1ec7p\u2026) \u0111\u00e3 c\u00f3 s\u1ef1 chuy\u1ec3n bi\u1ebfn r\u00f5 r\u1ec7t v\u1ec1 nh\u1eadn th\u1ee9c v\u00e0 th\u00f3i quen thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u00f4ng qua c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i v\u00e0 l\u00e0 ti\u1ec1n \u0111\u1ec1 quan tr\u1ecdng \u0111\u1ec3 gi\u1ea3m d\u1ea7n s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a ti\u1ec1n m\u1eb7t trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/FONT><\/P>

Vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n \u0111\u00e3 \u0111em l\u1ea1i l\u1ee3i \u00edch to l\u1edbn \u0111\u1ed1i v\u1edbi Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 l\u1ee3i \u00edch thi\u1ebft th\u00e2n cho ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5. T\u00ednh \u0111\u1ebfn qu\u00fd I\/2013, tr\u00ean to\u00e0n qu\u1ed1c \u0111\u00e3 c\u00f3 56.850\/87.186 (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 65%) \u0111\u01a1n v\u1ecb h\u01b0\u1edfng l\u01b0\u01a1ng t\u1eeb NSNN th\u1ef1c hi\u1ec7n tr\u1ea3 l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n v\u1edbi 1,83 tri\u1ec7u\/2,77 tri\u1ec7u (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 66%) c\u00e1n b\u1ed9 nh\u1eadn l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n. <\/FONT><\/P>

\u0110\u1ec3 ph\u1ee5c v\u1ee5 cho vi\u1ec7c tri\u1ec3n khai tr\u1ea3 l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n, m\u1ea1ng l\u01b0\u1edbi m\u00e1y giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng (ATM) v\u00e0 thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (POS) \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng t\u00edch c\u1ef1c \u0111\u1ea7u t\u01b0 v\u00e0 t\u0103ng c\u01b0\u1eddng c\u1ea3 v\u1ec1 ph\u1ea1m vi, s\u1ed1 l\u01b0\u1ee3ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng. \u0110\u1ebfn nay, tr\u00ean to\u00e0n qu\u1ed1c, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea7u t\u01b0 14.400 m\u00e1y ATM v\u00e0 116.700 thi\u1ebft b\u1ecb POS\/EDC v\u1edbi s\u1ed1 l\u01b0\u1ee3ng th\u1ebb \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh kho\u1ea3ng 62 tri\u1ec7u th\u1ebb.<\/FONT><\/P>

Ng\u00e0nh Ng\u00e2n h\u00e0ng t\u1eebng b\u01b0\u1edbc tri\u1ec3n khai x\u00e2y d\u1ef1ng v\u00e0 hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n, t\u1eebng b\u01b0\u1edbc t\u1ea1o l\u1eadp h\u1ec7 th\u1ed1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 thanh to\u00e1n ti\u00ean ti\u1ebfn t\u1ea1o s\u1ef1 chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c \u0111\u1ed1i v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong khu v\u1ef1c c\u00f4ng, doanh nghi\u1ec7p. <\/FONT><\/P>

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 thi\u1ebft l\u1eadp v\u00e0 \u0111\u01b0a v\u00e0o v\u1eadn h\u00e0nh H\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng, \u0111\u1ebfn nay \u0111\u00e3 k\u1ebft n\u1ed1i v\u1edbi 66 \u0111\u01a1n v\u1ecb thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 g\u1ea7n 800 \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean tr\u1ef1c ti\u1ebfp thu\u1ed9c 97 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong to\u00e0n qu\u1ed1c, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thanh, quy\u1ebft to\u00e1n t\u1ee9c th\u1eddi v\u1edbi s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch thanh to\u00e1n ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a n\u1ec1n kinh t\u1ebf. <\/FONT><\/P>

H\u1ea7u h\u1ebft c\u00e1c Nng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 thi\u1ebft l\u1eadp \u0111\u01b0\u1ee3c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00f5i (core banking), ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng thanh to\u00e1n n\u1ed9i b\u1ed9 v\u1edbi k\u1ef9 thu\u1eadt, c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, cho ph\u00e9p cung \u1ee9ng c\u00e1c d\u1ecbch v\u1ee5, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i, mang l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng.<\/FONT><\/P>

\u0110\u1ec3 t\u1ea1o thu\u1eadn l\u1ee3i cho vi\u1ec7c ph\u00e1t tri\u1ec3n c\u0169ng nh\u01b0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 th\u1ebb ng\u00e2n h\u00e0ng, trong n\u0103m 2012, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 ph\u00ed d\u1ecbch v\u1ee5 \u0111\u1ed1i v\u1edbi th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba v\u00e0 quy \u0111\u1ecbnh v\u1ec1 trang b\u1ecb, qu\u1ea3n l\u00fd, v\u1eadn h\u00e0nh v\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00e1y giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng nh\u1eb1m \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, h\u00e0i h\u00f2a l\u1ee3i \u00edch c\u1ee7a t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 v\u00e0 kh\u00e1ch h\u00e0ng. <\/FONT><\/P>

Trong qu\u00fd III\/2013, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 tr\u00ecnh d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh Thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 d\u1ef1 ki\u1ebfn ban h\u00e0nh Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p, thu h\u1ed3i gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n cho c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng; l\u00ean k\u1ebf ho\u1ea1ch ph\u1ed1i h\u1ee3p v\u1edbi m\u1ed9t s\u1ed1 b\u1ed9, ng\u00e0nh li\u00ean quan x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh Thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t sau khi Ch\u00ednh ph\u1ee7 ban h\u00e0nh. <\/FONT><\/P>


                                                                       Theo Huy Th\u1eafng
                                                           Chinhphu.vn (ng\u00e0y 18\/10\/2013)<\/FONT><\/EM><\/STRONG><\/P><\/p>\n","protected":false},"excerpt":{"rendered":"

Theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t tr\u00ean t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n c\u00f3 xu h\u01b0\u1edbng ng\u00e0y c\u00e0ng gi\u1ea3m d\u1ea7n t\u1eeb 20,3% (n\u0103m 2004) xu\u1ed1ng 14% (n\u0103m 2010) v\u00e0 \u0111\u1ebfn nay t\u1ef7 l\u1ec7 n\u00e0y v\u00e0o kho\u1ea3ng 12%. Trong kho\u1ea3ng 3 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, c\u00e1c d\u1ecbch v\u1ee5, […]<\/p>\n","protected":false},"author":2,"featured_media":20349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[63],"tags":[],"_links":{"self":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/20354"}],"collection":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20354"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/20354\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/20349"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}