Tài liệu Phát triển dịch vụ thanh toán không dùng tiền mặt tại ngân hàng thương mại cổ phần quân đội chi nhánh việt trì

75ѬӠ1*ĈҤI HӐ&+Ô1*9ѬѪ1* KHOA KINH Tӂ 9¬47.' NGUYӈN THӎ YӂN 3+È775,ӆN DӎCH VӨ 7+$1+72È1.+Ð1*'ÔNG TIӄN MҺT TҤ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪ148Æ1ĈӜI &+,1+È1+9,ӊ775Î .+Ï$/8ҰN TӔT NGHIӊP Hӊ ĈҤI HӐC &KX\rQQJjQK7jLFKtQKQJkQKjQJ 3K~7Kӑ, 2020 75ѬӠ1*ĈҤI HӐ&+Ô1*9ѬѪ1* KHOA KINH Tӂ 9¬47.' NGUYӈN THӎ YӂN 3+È775,ӆN DӎCH VӨ 7+$1+72È1.+Ð1*'ÔNG TIӄN MҺT TҤ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪ148Æ1ĈӜI &+,1+È1+9,ӊ775Î .+Ï$/8ҰN TӔT NGHIӊP Hӊ ĈҤI HӐC &KX\rQQJjQK7jLFKtQKQJkQKjQJ GiҧQJYLrQKѭӟng dүn: ThS. Phҥm Thӏ 0LQK3KѭѫQJ 3K~7Kӑ, 2020 i LӠI CҦ0Ѫ1 Trong suӕt thӡi gian bӕQ QăP Kӑc ӣ WUѭӡQJ Ĉҥi hӑF +QJ 9ѭѫQJ ErQ cҥnh sӵ nӛ lӵc cӫa bҧQWKkQHPFzQQKұQÿѭӧc sӵ chӍ ÿҥo tұQWuQKFӫDTXêWKҫy F{FK~QJHPÿmÿѭӧc trang bӏ nhӳng kiӃn thӭc cҫn thiӃt cho nghӅ nghiӋp sau Qj\ .KRҧng thӡL JLDQ ED WKiQJ WKӵc tұp tҥL 1JkQ KjQJ WKѭѫQJ Pҥi cә phҫn 4XkQÿӝi ± &KLQKiQK9LӋW7UuOjTXiWUuQKNӃt hӧSOêWKX\ӃWÿѭӧc hӑc ӣ WUѭӡng YjP{LWUѭӡQJOjPYLӋFErQQJRjLÿmJL~SFKRHPFyWKrPQKLӅu kinh nghiӋm thӵc tiӉQĈӃQQD\HPÿmKRjQWKjQKNKyDluұn tӕt nghiӋp vӟLÿӅ tjL³3KiWWUL͋n d͓ch vͭ WKDQKWRiQNK{QJGQJWL͉n m̿t t̩L1JkQKjQJ7K˱˯QJP̩i c͝ ph̯n 4XkQĈ͡L&KLQKiQK9L͏W7Uu´ (P[LQFKkQWKjQKFҧPѫQ%DQ*LiP+LӋXWUѭӡQJĈҥi hӑF+QJ9ѭѫQJ ÿm WҥRÿLӅu kiӋn thuұn lӧL FKR FK~QJ HP Kӑc tұS QJKLrQ Fӭu, xin cҧP ѫQ TXê thҫ\F{NKRD.LQKWӃ Yj4Xҧn trӏ NLQKGRDQKÿmWUX\ӅQÿҥWFKRFK~QJHPQKӳng kiӃn thӭFTXêEiXÿyVӁ OjQӅn tҧng vӳng chҳFFKRFK~QJHPVDXQj\ÿһc biӋt em xin gӱi lӡi biӃWѫQVkXVҳFÿӃQF{JLiR3Kҥm Thӏ 0LQK3KѭѫQJÿmWұQWuQK Kѭӟng dүn em trong suӕt thӡLJLDQOjPOXұQYăQ (PFNJQJ[LQFKkQWKjQKFҧPѫQ%DQ*LiPĈӕF1JkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝi ± &KLQKiQK9LӋW7UuFQJWRjQWKӇ FiFDQKFKӏ QKkQYLrQWURQJ FKLQKiQKÿmKӛ trӧ, cung cҩSFKRHPFiFVӕ liӋu cҫn thiӃWÿӇ KRjQWKjQKOXұn YăQ 7X\ QKLrQ NKyD OXұn cӫa em NKy WUiQK ÿѭӧc nhӳng thiӃX VyW (P Uҩt mong nhұQÿѭӧc sӵ chӍ bҧRÿyQJJySêNLӃn cӫDFiFWKҫ\F{FQJWRjQWKӇ FiF bҥQÿӇ JL~SHPFyWKӇ KRjQWKLӋQKѫQÿӅ WjLOXұQYăQFӫDPuQKYjFyÿLӅu kiӋn bә VXQJQkQJFDRNLӃn thӭc cӫDPunh, phөc vө tӕWKѫQF{QJWiFWKӵc tӃ VDXQj\ ;LQWUkQWUӑng cҧPѫQ 6LQKYLrQ NguyӉn Thӏ YӃn ii LӠ,&$0Ĉ2$1 (P[LQFDPÿRDQÿk\OjF{QJWUuQKQJKLrQFӭu cӫDULrQJHP&iFVӕ liӋu kӃt quҧ ÿmQrXWURQJEjLNKyDOXұQFyQJXӗn gӕc U}UjQJWUXQJWKӵc, xuҩWSKiW tӯ WuQKKuQKWKӵc tӃ cӫDQJkQKjQJ70&34XkQÿӝLFKLQKiQK9LӋW7Uu 6LQKYLrQ NguyӉn Thӏ YӃn iii MӨC LӨC LӠI CҦ0Ѫ1 ............................................................................................................ i MӢ ĈҪU ................................................................................................................... 1 7tQKFҩp thiӃt cӫDÿӅ tjL ........................................................................................ 1 2. Lӏch sӱ vҩQÿӅ QJKLrQFӭu .................................................................................... 2 3. MөFWLrXYjQKLӋm vө QJKLrQFӭu ......................................................................... 3 3.1. MөFWLrXFKXQJ ................................................................................................... 3 3.2. MөFWLrX cө thӇ ................................................................................................... 3 ĈӕLWѭӧQJYjSKҥPYLQJKLrQFӭu ......................................................................... 4 ĈӕLWѭӧQJQJKLrQFӭu......................................................................................... 4 4.2. PhҥPYLQJKLrQFӭu ............................................................................................ 4 3KѭѫQJSKiSQJKLrQFӭu ....................................................................................... 4 3KѭѫQJSKiSWKXWKұSWjLOLӋX ............................................................................ 4 3KѭѫQJSKiSSKkQWtFKYjWәQJKӧS ................................................................... 5 3KѭѫQJSKiSVRViQK ......................................................................................... 6 6. KӃt cҩu cӫDÿӅ WjL .................................................................................................. 6 &KѭѫQJ : &Ѫ 6Ӣ /é /8ҰN Vӄ 7+$1+ 72È1 .+Ð1* 'Ô1* 7,ӄN MҺT TҤ,1*Æ1+¬1*7+ѬѪ1*0ҤI .............................................................. 7 1.1..KiLTXiWFKXQJYӅ QJkQKjQJWKѭѫQJPҥi ........................................................ 7 .KiLQLӋm ........................................................................................................ 7 1.1.2. ChӭFQăQJFӫDQJkQKjQJWKѭѫQJPҥi ............................................................ 7 1.1.3. HoҥWÿӝQJFѫEҧn cӫDQJkQKjQJWKѭѫQJPҥi ................................................. 9 &ѫVӣ OêOXұn vӅ hoҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJ WKѭѫQJPҥi............................................................................................................... 10 .KiLQLӋm hoҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt ................................. 10 ĈһFÿLӇm cӫa hoҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt ............................ 11 9DLWUzYjêQJKƭDKRҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt ..................... 12 &iFKuQKWKӭFWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJPҥi .. 13 iv &iFFKӍ WLrXÿiQKJLiKRҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQ KjQJWKѭѫQJPҥi ...................................................................................................... 18 &iFQKkQWӕ ҧQKKѭӣQJÿӃQWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJ WKѭѫQJPҥi............................................................................................................... 23 %jLKӑc kinh nghiӋm vӅ WKDQKWRiQNK{QJGQJWLӅn mһt............................. 27 TIӆU Kӂ7&+ѬѪ1* .......................................................................................... 30 &KѭѫQJ: THӴC TRҤNG Vӄ 7+$1+ 72È1.+Ð1* 'Ô1*7,ӄN MҺT TҤ, 1*Æ1 +¬1* 7+ѬѪ1* 0ҤI CӘ PHҪ1 48Æ1 ĈӜ, &+, 1+È1+ VIӊ775Î ................................................................................................................ 31 .KiLTXiWYӅ QJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQKViӋW7Uu .... 31 7K{QJWLQFKXQJ ............................................................................................ 31 2.1.2. Lӏch sӱ KuQKWKjQKYjSKiWWULӇn cӫDQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQ ÿӝLFKLQKiQK9LӋW7Uu ............................................................................................. 31 2.1.3. ChӭFQăQJYjQKLӋm vө cӫDQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝi chi QKiQK9LӋW7Uu ......................................................................................................... 33  &ѫ Fҩu bӝ Pi\ Wә chӭF Yj TXҧn lê FӫD QJkQ KjQJ WKѭѫQJ Pҥi cә phҫn 4XkQÿӝLFKLQKiQK9LӋW7Uu.................................................................................... 35 ĈһFÿLӇPODRÿӝQJYjFѫVӣ vұt chҩt cӫDQJkQKjQJWKѭѫQJmҥi cә phҫn 4XkQÿӝLFKLQKiQK9LӋW7Uu.................................................................................... 37 2.1.6. KӃt quҧ hoҥWÿӝng kinh doanh cӫDQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQ ÿӝLFKLQKiQK9LӋW7Uu ............................................................................................. 39 2.2. Thӵc trҥng vӅ WKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ........................................................................... 45 4X\ÿӏnh vӅ WKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ........................................................................... 45 2.2.2. Thӵc trҥng hoҥW ÿӝQJ WKDQK WRiQ FKXQJ FӫD QJkQ KjQJ WKѭѫQJ Pҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ........................................................................... 47 2.2.3. Thӵc trҥQJFiFKuQKWKӭFWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJ WKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu .................................................. 49 v JLDLÿRҥn 2017 - 2019 .............................................................................................. 50 7uQKKuQKWKXSKtGӏch vө WKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJ WKѭѫQJPҥi cә phҫn 4XkQÿӝLFKLQKiQK9LӋW7Uu .................................................. 57 2.2.5. Lͫi nhu̵n tͳ ho̩W ÿ͡ng WKDQK WRiQ NK{QJ GQJ WL͉n m̿t t̩L QJkQ KjQJ WK˱˯QJP̩i c͝ ph̯n 4XkQÿ͡LFKLQKiQK9L͏W7Uu .................................................. 59 ĈiQKJLiFӫa NKiFKKjQJYӅ hoҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt tҥi QJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ................................. 60 ĈiQKJLihoҥWÿӝQJWKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJ mҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ............................................................... 64 2.3.1. Nhӳng kӃt quҧ ÿҥWÿѭӧc ................................................................................ 64 2.3.2. Nhӳng hҥn chӃ .............................................................................................. 65 1JX\rQQKkQFӫa hҥn chӃ ............................................................................. 66 TIӆU Kӂ7&+ѬѪ1* .......................................................................................... 68 &+ѬѪ1* : MӜT SӔ GIҦ,3+È31+Ҵ03+È775,ӆN DӎCH VӨ THANH 72È1 .+Ð1* 'Ô1* 7,ӄN MҺT TҤ, 1*Æ1 +¬1* 7+ѬѪ1* 0ҤI CӘ PHҪ148Æ1ĈӜ,&+,1+È1+9,ӊ775Î ........................................................ 69 3KѭѫQJKѭӟng, mөFWLrXSKiWWULӇn dӏch vө WKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝLFKLQKiQK9LӋW7Uu ............................ 69 3KѭѫQJKѭӟng chung .................................................................................... 69 3.1.2. PKѭѫQJKѭӟng cө thӇ .................................................................................... 70 3.2. Mӝt sӕ giҧLSKiSQKҵPSKiWWULӇn dӏch vө WKDQKWRiQNK{QJGQJWLӅn mһt tҥLQJkQKjQJWKѭѫQJPҥi cә phҫn 4XkQÿӝLFKLQKiQK9LӋW7Uu ............................ 71 3KiWWULӇQQJKLrQFӭu thӏ WUѭӡng ................................................................... 71 7ăQJFѭӡng hoҥWÿӝng Marketing ................................................................. 72 1kQJFDRFKҩWOѭӧng dӏch vө......................................................................... 73 Ĉәi mӟi khoa hӑFF{QJQJKӋ YjÿҫXWѭFѫVӣ vұt chҩt ................................. 74  ;k\ GӵQJ ÿӝL QJNJ Fy FiQ Eӝ Fy WUuQK ÿӝ FKX\rQ P{Q Yj ÿҥR ÿӭc nghӅ nghiӋp ...................................................................................................................... 75 3.2.6. Mӝt sӕ giҧLSKiSNKiF ................................................................................... 76 vi TIӆU Kӂ7&+ѬѪ1* .......................................................................................... 78 KӂT LUҰN ............................................................................................................. 79 1. KӃt luұn ............................................................................................................... 79 2. KiӃn nghӏ ............................................................................................................. 80 2.1. KiӃn nghӏ ÿӕi vӟLQKjQѭӟc .............................................................................. 80 2.2. KiӃn nghӏ ÿӕi vӟLQJkQKjQJQKjQѭӟc ............................................................ 80 2.3. KiӃn nghӏ ÿӕi vӟi QJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝi ViӋt Nam .......... 81 DANH MӨC T¬I LIӊU THAM KHҦO ................................................................ 84 vii DANH MӨC BҦNG Bҧng 2.1: BҧQJSKkQWtFKFѫFҩXODRÿӝng cӫa MB ViӋW7Uu .................................. 37 Bҧng 2.2: KӃt quҧ KX\ÿӝng vӕn tҥLQJkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝi chi QKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 .................................................................... 40 Bҧng 2.3. KӃt quҧ WtQ Gөng tҥL 1JkQ KjQJ WKѭѫQJ Pҥi cә phҫQ 4XkQ ÿӝi chi QKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 .................................................................... 42 Bҧng 2.4. KӃt quҧ hoҥW ÿӝng kinh doanh tҥL QJkQ KjQJ 70&3 4XkQ ÿӝi chi QKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 .................................................................... 44 Bҧng 2.5: Doanh sӕ cӫa hoҥWÿӝQJWKDQKWRiQWҥLQJkQKjQJWKѭѫQJPҥi cә phҫn 4XkQÿӝLFKLQKiQK9LӋW7UuJLDLÿRҥn 2017 - 2019 ............................................... 48 Bҧng 2.6: Doanh sӕ cӫa hoҥWÿӝng TTKDTM tҥLQJkQKjQJ70&34XkQÿӝi chi QKiQK9LӋW7UuWKHRÿӕLWѭӧQJWKDQKWRiQ ............................................................... 50 JLDLÿRҥn 2017 - 2019 .............................................................................................. 50 BҧQJ  7uQK KuQK Vӱ dөng FiF KuQK WKӭc TTKDTM tҥL QJkQ KjQJ 70&3 4XkQÿӝLFKLQKiQK9LӋW7UuJLDLÿRҥn 2017 - 2019 ............................................... 52 BҧQJ  7uQK KuQK WKDQK WRiQ EҵQJ 6pF tҥL QJkQ KjQJ 70&3 4XkQ ÿӝi chi QKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 .................................................................... 54 Bҧng 2.97uQKKuQKWKXSKtGӏch vө TTKDTM tҥLQJkQKjQJ70&34XkQÿӝi FKLQKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 .............................................................. 57 Bҧng 2.10: Bҧng lӧi nhuұn tӯ hoҥWÿӝng TTKDTM tҥLQJkQKjQJ70&34XkQ ÿӝLFKLQKiQK9LӋW7UuJLDLÿRҥn 2017 ± 2019 ........................................................ 59 %ҧQJ11%ҧQJWәQJKӧSNӃWTXҧNKҧRViWYӅKRҥWÿӝQJ77.'70WҥL1JkQ KjQJ70&34XkQÿӝLFKLQKiQK9LӋW7Uu ............................................................... 60 viii DANH MӨ&6ѪĈӖ 6ѫÿӗ 0{KuQKFѫFҩu tә chӭc tҥL1JkQKjQJWKѭѫQJPҥi cә phҫQ4XkQÿӝi, FKLQKiQK9LӋW7Uu ................................................................................................... 35 ix DANH MӨ&&È&&+Ӳ VIӂT TҲT STT Chӳ viӃt tҳt Giҧi nghƭa 1 CNNH .K{QJNǤ hҥn 2 KKH &KLQKiQKQJkQKjQJ 3 NK Nhҩp khҭu 4 NHTM 1JkQKjQJWKѭѫQJPҥi 5 NHTW 1JkQKjQJWUXQJѭѫQJ 6 4Ĉ QuyӃWÿӏnh 7 TCTD Tә chӭFWtQGөng 8 TMCP 7KѭѫQJPҥi cә phҫn 9 TTDTM 7KDQKWRiQGQJWLӅn mһt 10 TTKDTM 7KDQKWRiQNK{QJGQJWLӅn mһt 11 UNC Uӹ nhiӋm chi 12 UNT Uӹ nhiӋm thu 13 XK Xuҩt khҭu 14 XHCN ;mKӝi chӫ QJKƭD 1 MӢ ĈҪU 7tQKFҩp thiӃt cӫDÿӅ WjL TiӅn mһWÿm[Xҩt hiӋn tӯ OkXYjOjPӝWSKѭѫQJWKӭFWKDQKWRiQNK{QJWKӇ thiӃu ӣ bҩt kǤ quӕFJLDQjR7X\QKLrQVҧn xuҩWKjQJKyDSKiWWULӇQÿmNpRWKHR FiFSKѭѫQJWKӭFWKDQKWRiQSKiWWULӇQSKѭѫQJWKӭFQj\OjVӵ kӃ thӯDYjSKiW triӇn cӫDSKѭѫQJWKӭFWUѭӟFÿy.Kҳc phөFÿѭӧc nhӳQJQKѭӧFÿLӇm cӫDSKѭѫQJ thӭFWKDQKWRiQEҵng tiӅn mһWSKѭѫQJWKӭFWKDQKWRiQNK{QJGQJWLӅn mһWOj SKѭѫQJWKӭFWKDQKWRiQѭXYLӋWKѫQÿiSӭng tӕWKѫQFKR\rXFҫu cӫa sӵ SKiW triӇn kinh tӃ. 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