{"id":3147,"date":"2019-06-14T08:41:30","date_gmt":"2019-06-14T05:41:30","guid":{"rendered":"https:\/\/super-news.info\/vi\/co-hoi-co-mot-khong-hai-cho-cac-ngan-hang-dot-pha\/"},"modified":"2019-06-14T08:41:32","modified_gmt":"2019-06-14T05:41:32","slug":"co-hoi-co-mot-khong-hai-cho-cac-ngan-hang-dot-pha","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/co-hoi-co-mot-khong-hai-cho-cac-ngan-hang-dot-pha\/","title":{"rendered":"C\u01a1 h\u1ed9i c\u00f3 m\u1ed9t kh\u00f4ng hai cho c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed9t ph\u00e1"},"content":{"rendered":"<p> [ad_1]<br \/>\n<\/p>\n<div id=\"mainContent\">&#13;<\/p>\n<p> T\u1ea1i t\u1ecda \u0111\u00e0m &#8220;Ng\u00e2n h\u00e0ng s\u1ed1 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n nh\u1eefng h\u1ec7 sinh th\u00e1i \u0111\u1eb7c th\u00f9&#8221; di\u1ec5n ra s\u00e1ng nay (14\/6), TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia t\u00e0i ch\u00ednh cho bi\u1ebft, kh\u00e1i ni\u1ec7m ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn v\u1edbi kh\u00e1i ni\u1ec7m s\u1ed1 h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. Theo c\u00e1ch hi\u1ec3u s\u1ed1 h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd s\u1ed1 h\u00f3a t\u1ea5t c\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng hi\u1ec7n h\u1eefu. Tuy nhi\u00ean, c\u00e1ch hi\u1ec3u n\u00e0y l\u00e0 kh\u00f4ng \u0111\u1ee7.  <\/p>\n<p>&#8220;Ng\u00e2n h\u00e0ng s\u1ed1 c\u00f2n l\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi, m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi v\u1edbi nh\u1eefng gi\u00e1 tr\u1ecb m\u1edbi, thay v\u00ec ch\u1ec9 s\u1ed1 h\u00f3a nh\u1eefng th\u1ee9 \u0111\u00e3 c\u00f3&#8221;, \u00f4ng L\u1ef1c nh\u1ea5n m\u1ea1nh. \u00d4ng d\u1eabn \u0111\u1ecbnh ngh\u0129a m\u00e0 ng\u00e2n h\u00e0ng UOB \u0111\u01b0a ra v\u00e0 cho r\u1eb1ng \u0111\u00e2y l\u00e0 kh\u00e1i ni\u1ec7m kh\u00e1 \u0111\u1ea7y \u0111\u1ee7, t\u1ee9c ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 t\u01b0\u01a1ng t\u00e1c v\u1edbi nhau v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 s\u1ed1. <\/p>\n<p>Nhi\u1ec1u c\u01a1 h\u1ed9i m\u1edf ra v\u1edbi ng\u00e2n h\u00e0ng n\u1ebfu l\u00e0m ng\u00e2n h\u00e0ng s\u1ed1, nh\u01b0 gia t\u0103ng doanh thu, t\u0103ng n\u0103ng su\u1ea5t lao \u0111\u1ed9ng v\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed; Ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng kh\u00e1ch h\u00e0ng s\u1ed1 \u0111\u1ea7y ti\u1ec1m n\u0103ng t\u1ea1i Vi\u1ec7t Nam; T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn th\u00f4ng tin, d\u1eef li\u1ec7u, k\u1ebft n\u1ed1i, h\u1ee3p t\u00e1c (nh\u1ea5t l\u00e0 v\u1edbi c\u00e1c Fintech\u2026); \u0110i t\u1eaft \u0111\u00f3n \u0111\u1ea7u trong kinh doanh, n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh, t\u1ea1o kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n \u0111\u1ed9t ph\u00e1 so v\u1edbi \u0111\u1ed1i th\u1ee7.  <\/p>\n<p>C\u01a1 c\u01a1 h\u1ed9i c\u0169ng c\u00f3 th\u00e1ch th\u1ee9c, \u00f4ng L\u1ef1c nh\u1ea5n m\u1ea1nh v\u1ec1 khung ph\u00e1p l\u00fd hi\u1ec7n nay ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u00e0 th\u01b0\u1eddng \u0111i sau s\u1ef1 ph\u00e1t tri\u1ec3n qu\u00e1 nhanh c\u1ee7a c\u00f4ng ngh\u1ec7. S\u1ef1 c\u1ea1nh tranh t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c phi t\u00e0i ch\u00ednh nh\u01b0 fintech v\u00e0 bigtech c\u0169ng s\u1ebd t\u1ea1o \u00e1p l\u1ef1c kh\u00f4ng \u00edt t\u1edbi ng\u00e2n h\u00e0ng s\u1ed1. Ngo\u00e0i ra, c\u00e1c th\u00e1ch th\u1ee9c kh\u00e1c nh\u01b0 kh\u1ea3 n\u0103ng b\u1ea3o m\u1eadt c\u1ee7a h\u1ec7 th\u1ed1ng; Ngu\u1ed3n nh\u00e2n l\u1ef1c; \u0110\u00f2i h\u1ecfi thay \u0111\u1ed5i v\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn cho h\u1ec7 th\u1ed1ng C\u00f4ng ngh\u1ec7 th\u00f4ng tin.  <\/p>\n<p>V\u1edbi th\u1ef1c tr\u1ea1ng ng\u00e2n h\u00e0ng s\u1ed1 t\u1ea1i Vi\u1ec7t Nam, \u00f4ng L\u1ef1c cho bi\u1ebft, c\u00e1c Fintech, Bigtech n\u0103ng \u0111\u1ed9ng v\u00e0 t\u1eebng b\u01b0\u1edbc c\u1ea1nh tranh v\u1edbi ng\u00e2n h\u00e0ng. Trong xu th\u1ebf kinh t\u1ebf s\u1ed1, c\u00e1c trung gian thanh to\u00e1n kh\u00f4ng ph\u1ea3i l\u00e0 NHTM \u0111\u00e3 v\u00e0 \u0111ang ph\u00e1t tri\u1ec3n kh\u00e1 nhanh, g\u1ed3m c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) v\u00e0 c\u00e1c nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng, \u0111i\u1ec7n t\u1eed, CNTT (Telcos, Bigtech), ch\u1ee7 y\u1ebfu trong l\u0129nh v\u1ef1c thanh to\u00e1n v\u00e0 cho vay ngang h\u00e0ng. <\/p>\n<p>S\u1ef1 c\u1ea1nh tranh gi\u1eefa m\u00f4 h\u00ecnh kinh doanh truy\u1ec1n th\u00f4ng v\u00e0 phi truy\u1ec1n th\u1ed1ng l\u00e0 t\u1ea5t y\u1ebfu. &#8220;Tuy nhi\u00ean, n\u00ean nh\u1edb r\u1eb1ng, Vi\u1ec7t Nam c\u00f2n nhi\u1ec1u ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00f3i chung. M\u1edbi ch\u1ec9 c\u00f3 40% ng\u01b0\u1eddi tr\u01b0\u1eddng th\u00e0nh c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng hi\u1ec7n nay&#8221;, \u00f4ng n\u00f3i. <\/p>\n<p>Ngo\u00e0i ra, tr\u00ean th\u1ef1c t\u1ebf ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c nh\u00f3m h\u01b0\u1edbng \u0111\u1ebfn c\u0169ng c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t, ch\u1eb3ng h\u1ea1n c\u00e1c Bigtech nh\u01b0 Vingroup t\u1eadp trung v\u00e0o b\u1ea3n th\u00e2n kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, r\u1ed3i m\u1edbi ph\u00e1t tri\u1ec3n ra b\u00ean ngo\u00e0i. C\u00e1c Fintech h\u01b0\u1edbng \u0111\u1ebfn c\u00e1c kh\u00e1ch h\u00e0ng nh\u1ecf l\u1ebb,&#8230;<\/p>\n<p>V\u1ecb chuy\u00ean gia n\u00e0y cho r\u1eb1ng ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 c\u01a1 h\u1ed9i c\u00f3 m\u1ed9t kh\u00f4ng hai \u0111\u1ec3 ng\u00e2n h\u00e0ng \u0111\u1ed9t ph\u00e1, \u0111\u1ec3 n\u1ec1n kinh t\u1ebf \u0111\u1ed9t ph\u00e1. &#8220;Ch\u00ednh ph\u1ee7 \u0111\u1ec1 x\u01b0\u1edbng c\u00e1ch m\u1ea1ng 4.0, ch\u1ea3 nh\u1ebd ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng l\u00e0m g\u00ec?&#8221;, \u00f4ng L\u1ef1c n\u00f3i. V\u1ecb chuy\u00ean gia n\u00e0y nh\u1eadn \u0111\u1ecbnh, ng\u00e2n h\u00e0ng s\u1ed1 kh\u00f4ng ph\u1ea3i l\u00e0 tr\u00e0o l\u01b0u, \u0111\u00f3 l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu. <\/p>\n<\/div>\n<p>[ad_2]<br \/>\n<br \/><a href=\"http:\/\/cafef.vn\/co-hoi-co-mot-khong-hai-cho-cac-ngan-hang-dot-pha-20190614104704828.chn\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[ad_1] &#13; T\u1ea1i t\u1ecda \u0111\u00e0m &#8220;Ng\u00e2n h\u00e0ng s\u1ed1 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n nh\u1eefng h\u1ec7 sinh th\u00e1i \u0111\u1eb7c th\u00f9&#8221; di\u1ec5n ra s\u00e1ng nay (14\/6), TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia t\u00e0i ch\u00ednh cho bi\u1ebft, kh\u00e1i ni\u1ec7m ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn v\u1edbi kh\u00e1i ni\u1ec7m s\u1ed1 h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. 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