{"id":2860,"date":"2019-06-09T12:25:56","date_gmt":"2019-06-09T09:25:56","guid":{"rendered":"https:\/\/super-news.info\/vi\/dn-vien-thong-nhay-vao-thi-truong-thanh-toan-ngan-hang-co-lo\/"},"modified":"2019-06-09T12:25:57","modified_gmt":"2019-06-09T09:25:57","slug":"dn-vien-thong-nhay-vao-thi-truong-thanh-toan-ngan-hang-co-lo","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/dn-vien-thong-nhay-vao-thi-truong-thanh-toan-ngan-hang-co-lo\/","title":{"rendered":"DN vi\u1ec5n th\u00f4ng “nh\u1ea3y” v\u00e0o th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n, ng\u00e2n h\u00e0ng c\u00f3 lo?"},"content":{"rendered":"

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T\u1ea1i k\u1ef3 h\u1ecdp th\u00e1ng 3\/2019 Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng (TT&TT) ph\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) nghi\u00ean c\u1ee9u v\u00e0 x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n theo h\u01b0\u1edbng th\u00ed \u0111i\u1ec3m c\u00e1c nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00f4ng th\u00f4ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng (Mobile money).<\/p>\n

Theo \u0111\u00e1nh gi\u00e1, vi\u1ec7c cho ph\u00e9p t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng di \u0111\u1ed9ng thanh to\u00e1n mua h\u00e0ng h\u00f3a s\u1ebd gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ebfn 100% ng\u01b0\u1eddi d\u00e2n, nh\u01b0ng l\u1ea1i th\u00e1ch th\u1ee9c ng\u00e2n h\u00e0ng.<\/p>\n

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D\u1ef1 ki\u1ebfn quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c giao d\u1ecbch cho Mobile Money l\u00e0 10 tri\u1ec7u VN\u0110\/th\u00e1ng. (\u1ea2nh minh h\u1ecda)<\/p>\n<\/div>\n<\/div>\n

\u0110\u00e1nh gi\u00e1 v\u1ec1 s\u1ee9c \u00e9p c\u1ea1nh tranh khi c\u00e1c c\u00f4ng ty vi\u1ec5n th\u00f4ng tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n, b\u00e0 Ph\u00f9ng Nguy\u1ec5n H\u1ea3i Y\u1ebfn, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) cho r\u1eb1ng xu th\u1ebf c\u00e1c c\u00f4ng ty vi\u1ec5n th\u00f4ng tham gia l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi. V\u1edbi m\u1ea1ng l\u01b0\u1edbi th\u00f4ng tin c\u1ee7a c\u00f4ng ty vi\u1ec5n th\u00f4ng r\u1ed9ng kh\u1eafp v\u00e0 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin kh\u00e1ch h\u00e0ng, h\u1ecd ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

\u201cNg\u00e2n h\u00e0ng ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y ph\u1ea3i \u0111i c\u00f9ng nhau, mu\u1ed1n ph\u00e1t tri\u1ec3n ph\u1ea3i c\u00f9ng h\u1ee3p t\u00e1c. Ng\u00e2n h\u00e0ng c\u00f3 m\u1edf r\u1ed9ng nhi\u1ec1u li\u00ean k\u1ebft v\u1edbi c\u00f4ng ty vi\u1ec5n th\u00f4ng, song h\u00e0nh c\u00f9ng c\u00f4ng ty vi\u1ec5n th\u00f4ng \u0111\u1ec3 cung c\u1ea5p t\u00e0i ch\u00ednh t\u1ed1t nh\u1ea5t cho ng\u01b0\u1eddi d\u00e2n, bao g\u1ed3m nh\u1eefng thanh to\u00e1n \u0111\u01a1n gi\u1ea3n nh\u01b0 ti\u1ec1n \u0111i\u1ec7n, ti\u1ec1n n\u01b0\u1edbc, ph\u00ed v\u00e0 nh\u1eefng thanh to\u00e1n ph\u1ee9c t\u1ea1p h\u01a1n nh\u01b0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh. C\u00f4ng ty vi\u1ec5n th\u00f4ng c\u00f3 l\u1ee3i th\u1ebf l\u00e0 c\u01a1 s\u1edf th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u1ea7y \u0111\u1ee7, r\u1ed9ng kh\u1eafp \u0111\u00f3 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 khai th\u00e1c\u201d, b\u00e0 Y\u1ebfn cho hay.<\/p>\n

C\u00f2n b\u00e0 Tr\u1ea7n Thu H\u01b0\u01a1ng, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i B\u00e1n l\u1ebb ki\u00eam Gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB) cho r\u1eb1ng, d\u00f9 nh\u00e0 m\u1ea1ng tham gia nh\u01b0ng ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 nh\u1eefng l\u1ee3i th\u1ebf ri\u00eang bi\u1ec7t.<\/p>\n

\u201cNg\u00e2n h\u00e0ng c\u00f3 2 l\u1ee3i th\u1ebf l\u1edbn nh\u1ea5t \u0111\u00f3 l\u00e0 c\u01a1 s\u1edf v\u1eadt ch\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ecdn v\u1eb9n, c\u00e1i n\u00e0y th\u00ec kh\u00f4ng c\u00f3 m\u1ed9t c\u00f4ng ty n\u00e0o kh\u00e1c c\u00f3 th\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c.<\/p>\n

\u0110i\u1ec3m m\u1ea1nh th\u1ee9 hai l\u00e0 s\u1ef1 tin d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n. C\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 ti\u1ebfng, ng\u01b0\u1eddi d\u00e2n quen \u0111\u1ebfn t\u1eadn ng\u00e2n h\u00e0ng \u0111\u1ec3 thanh to\u00e1n v\u00e0 l\u00e0m c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c trong cu\u1ed9c s\u1ed1ng h\u1eb1ng ng\u00e0y. \u0110\u1ed9 trung th\u00e0nh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi m\u1ea3ng banking v\u1eabn ch\u1eafc ch\u1eafn, v\u1eefng ch\u1eafc \u0111\u1ec3 ng\u00e2n h\u00e0ng t\u1ef1 tin d\u1ef1a tr\u00ean t\u1eadp kh\u00e1ch h\u00e0ng v\u1ed1n c\u00f3 c\u1ee7a m\u00ecnh \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 th\u00eam c\u00f4ng ngh\u1ec7 m\u1edbi nh\u1ea5t v\u00e0o nh\u1eb1m t\u0103ng th\u00eam s\u1ef1 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n\u201d, b\u00e0 H\u01b0\u01a1ng ph\u00e2n t\u00edch.<\/p>\n

M\u1eb7t kh\u00e1c, b\u00e0 c\u0169ng cho r\u1eb1ng, c\u00e1c c\u00f4ng ty vi\u1ec5n th\u00f4ng c\u0169ng c\u00f3 th\u1ebf m\u1ea1nh nh\u1ea5t \u0111\u1ecbnh \u0111\u00f3 l\u00e0 c\u00f4ng ngh\u1ec7. H\u1ecd c\u00f3 t\u1eadp d\u1eef li\u1ec7u t\u1ed1t v\u00e0 c\u00f3 m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch h\u1ecd kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c nhi\u1ec1u nh\u01b0 ng\u00e2n h\u00e0ng.<\/p>\n

V\u00ed d\u1ee5, v\u1edbi ng\u00e2n h\u00e0ng khi ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u nh\u01b0 kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ebfn t\u1eadn tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u00e1c th\u1ef1c th\u00f4ng tin kh\u00e1ch h\u00e0ng, kh\u00f4ng th\u1ec3 l\u00e0m online \u0111\u01b0\u1ee3c, \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng ph\u1ea3i \u0111i theo, c\u00f3 quy tr\u00ecnh ch\u1eb7t ch\u1ebd.<\/p>\n

Tuy nhi\u00ean, b\u00e0 H\u01b0\u01a1ng kh\u1eb3ng \u0111\u1ecbnh, \u0111\u1ed9 \u0111\u1ed3ng b\u1ed9 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 c\u00f4ng ngh\u1ec7 t\u00edch h\u1ee3p \u0111\u1ec3 \u0111\u01b0a ra g\u00f3i s\u1ea3n ph\u1ea9m to\u00e0n v\u1eb9n cho kh\u00e1ch h\u00e0ng th\u00ec ng\u00e2n h\u00e0ng v\u1eabn \u0111ang duy tr\u00ec \u01b0u th\u1ebf t\u1ed1t nh\u1ea5t.<\/p>\n

C\u0169ng theo b\u00e0 H\u01b0\u01a1ng, tr\u01b0\u1edbc \u0111\u00e2y ng\u00e2n h\u00e0ng ti\u1ebfp c\u1eadn v\u1edbi c\u00f4ng ty vi\u1ec5n th\u00f4ng \u1edf m\u1ee9c r\u1ea5t c\u01a1 b\u1ea3n l\u00e0 c\u00f9ng nhau h\u1ee3p t\u00e1c \u0111\u1ec3 khai th\u00e1c d\u1eef li\u1ec7u c\u1ee7a h\u1ecd nh\u01b0ng khi c\u1ea3 hai b\u00ean c\u00f9ng c\u00f3 d\u1ecbch v\u1ee5 \u0111\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n th\u00ec s\u1ebd c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00f4ng ty vi\u1ec5n th\u00f4ng t\u1eadn d\u1ee5ng. Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi v\u00e0 d\u1eef li\u1ec7u c\u1ee7a c\u00f4ng ty vi\u1ec5n th\u00f4ng, vi\u1ec7c h\u1ee3p t\u00e1c n\u00e0y c\u00f3 l\u1ee3i cho n\u1ec1n kinh t\u1ebf.<\/p>\n

\u201cPh\u00eda ng\u00e2n h\u00e0ng cho r\u1eb1ng c\u00e0ng nhi\u1ec1u nh\u00e0 cung c\u1ea5p th\u00ec c\u00e0ng mang l\u1ea1i tr\u1ea3i nghi\u1ec7m t\u1ed1t cho kh\u00e1ch h\u00e0ng v\u00e0 c\u00e0ng c\u1ea1nh tranh, ng\u00e2n h\u00e0ng c\u00e0ng ho\u00e0n thi\u1ec7n h\u01a1n\u201d, b\u00e0 H\u01b0\u01a1ng cho hay.<\/p>\n

N\u00f3i v\u1ec1 kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng khi ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, \u00f4ng\u00a0Tr\u1ea7n Qu\u1ed1c Anh, Gi\u00e1m \u0111\u1ed1c kh\u1ed1i kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n ng\u00e2n h\u00e0ng HD bank cho bi\u1ebft, theo quy \u0111\u1ecbnh c\u1ee7a NHNN th\u00ec hi\u1ec7n nay \u0111a ph\u1ea7n kh\u00e1ch h\u00e0ng mu\u1ed1n m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ec1u ph\u1ea3i \u0111\u1ebfn tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u00e1c th\u1ef1c th\u00f4ng tin. Tuy nhi\u00ean, tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1ea1i th\u01b0\u1eddng kh\u00f4ng n\u1eb1m \u0111\u1ea7y \u0111\u1ee7 \u1edf c\u00e1c huy\u1ec7n, x\u00e3.<\/p>\n

\u201cTheo quy \u0111\u1ecbnh, t\u1ea1i m\u1ed7i t\u1ec9nh, m\u1ed7i ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 1 chi nh\u00e1nh, 3 ph\u00f2ng giao d\u1ecbch, trong khi c\u00f3 t\u1ec9nh \u0111\u1ecba b\u00e0n r\u1ed9ng, m\u01b0\u1eddi m\u1ea5y huy\u1ec7n n\u00ean vi\u1ec7c di chuy\u1ec3n, x\u00e1c th\u1ef1c l\u00e0 kh\u00f3 kh\u0103n. Do \u0111\u00f3 c\u00f3 ch\u0103ng NHNN n\u00ean quy \u0111\u1ecbnh th\u00eam v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f3 s\u1ef1 gian l\u1eadn. V\u00ed d\u1ee5 h\u1ec7 th\u1ed1ng x\u00e1c th\u1ef1c ch\u1ee9ng minh th\u01b0 nh\u00e2n d\u00e2n, ch\u00fang ta c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ed1i t\u00e1c trung gian, n\u01a1i v\u00f9ng s\u00e2u, v\u00f9ng xa ch\u01b0a c\u00f3 ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u00f3 giao d\u1ecbch t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0o \u0111\u00f3 r\u1ed3i, h\u1ecd mu\u1ed1n m\u1edf t\u00e0i kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1c th\u00ec NHNN cho ph\u00e9p m\u1edf tr\u1ef1c tuy\u1ebfn, ngu\u1ed3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ebfn t\u00e0i kho\u1ea3n m\u1edbi c\u00f3 th\u1ec3 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u1ebfn t\u1eeb t\u00e0i kho\u1ea3n c\u0169. T\u00f4i ngh\u0129 vi\u1ec7c \u0111\u00f3 l\u00e0 x\u00e1c th\u1ef1c, kh\u00f4ng th\u1ec3 n\u00e0o gian l\u1eadn \u0111\u01b0\u1ee3c\u201d, \u00f4ng Qu\u1ed1c Anh ki\u1ebfn ngh\u1ecb.<\/p>\n<\/div>\n

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[ad_1] T\u1ea1i k\u1ef3 h\u1ecdp th\u00e1ng 3\/2019 Ch\u00ednh ph\u1ee7 \u0111\u00e3 giao B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng (TT&TT) ph\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) nghi\u00ean c\u1ee9u v\u00e0 x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n theo h\u01b0\u1edbng th\u00ed \u0111i\u1ec3m c\u00e1c nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00f4ng th\u00f4ng qua […]<\/p>\n","protected":false},"author":2,"featured_media":2861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nDN vi\u1ec5n th\u00f4ng "nh\u1ea3y" v\u00e0o th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n, ng\u00e2n h\u00e0ng c\u00f3 lo? 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