{"id":3245,"date":"2022-11-24T14:05:36","date_gmt":"2022-11-24T07:05:36","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=3245"},"modified":"2022-12-05T14:10:09","modified_gmt":"2022-12-05T07:10:09","slug":"hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-dinh-huong-va-giai-phap-thuc-day-chuyen-dich-co-cau-thu-nhap-cua-cac-ngan-hang-thuong-mai-tai-viet-nam","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-dinh-huong-va-giai-phap-thuc-day-chuyen-dich-co-cau-thu-nhap-cua-cac-ngan-hang-thuong-mai-tai-viet-nam\/","title":{"rendered":"H\u1ed9i th\u1ea3o ph\u1ed5 bi\u1ebfn k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i \u201c\u0110\u1ecbnh h\u01b0\u1edbng v\u00e0 gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n d\u1ecbch c\u01a1 c\u1ea5u thu nh\u1eadp c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam\u201d"},"content":{"rendered":"

S\u00e1ng <\/em>24<\/em>\/<\/em>11\/2022<\/em>, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c <\/em>N<\/em>g\u00e2n h\u00e0ng<\/em> (CLNH) \u0111\u00e3 <\/em>t\u1ed5 ch\u1ee9c bu\u1ed5i H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 <\/em>nghi\u00ean c\u1ee9u c\u1ee7a \u0110<\/em>\u1ec1 t\u00e0i khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ea5p <\/em>B<\/em>\u1ed9<\/em>:<\/em> \u201c\u0110\u1ecbnh h\u01b0\u1edbng v\u00e0 gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n d\u1ecbch c\u01a1 c\u1ea5u thu nh\u1eadp c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam\u201d<\/em> (m\u00e3 s\u1ed1 \u0110TNH.017\/18)<\/em> do TS. Nghi\u00eam Xu\u00e2n Th\u00e0nh \u2013 Nguy\u00ean Ch\u1ee7 t\u1ecbch H\u0110QT Ng\u00e2n h\u00e0ng TMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) l\u00e0m ch\u1ee7 nhi\u1ec7m.<\/em><\/p>\n

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To\u00e0n c\u1ea3nh H\u1ed9i th\u1ea3o <\/em><\/p>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o, TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n CLNH cho bi\u1ebft, c\u01a1 c\u1ea5u thu nh\u1eadp hi\u1ec7n nay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) d\u1ef1a ch\u1ee7 y\u1ebfu v\u00e0o ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u1eb7t ra hai v\u1ea5n \u0111\u1ec1. Th\u1ee9 nh\u1ea5t \u0111\u00f3 l\u00e0 khi d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n, n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n, doanh nghi\u1ec7p s\u1ebd c\u00f3 th\u00eam nhi\u1ec1u k\u00eanh huy \u0111\u1ed9ng v\u1ed1n ngo\u00e0i ng\u00e2n h\u00e0ng, v\u00ec v\u1eady bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng. Th\u1ee9 hai, xu h\u01b0\u1edbng nga\u0302n ha\u0300ng t\u01b0\u01a1ng lai trong ky\u0309 nguye\u0302n s\u00f4\u0301 ho\u0301a, k\u00ea\u0301t h\u01a1\u0323p v\u01a1\u0301i xu th\u00ea\u0301 h\u1ecd\u0302i nh\u1ea1\u0302p nga\u0300y ca\u0300ng sa\u0302u r\u1ecd\u0302ng s\u1ebd ta\u0323o ra nhi\u00ea\u0300u co\u031b h\u1ecd\u0302i \u0111\u00ea\u0309 pha\u0301t tri\u00ea\u0309n va\u0300 m\u01a1\u0309 r\u1ecd\u0302ng ca\u0301c di\u0323ch vu\u0323 nga\u0302n ha\u0300ng, thay \u0111\u00f4\u0309i co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p, ta\u0306ng ty\u0309 tro\u0323ng thu nh\u1ea1\u0302p t\u01b0\u0300 di\u0323ch vu\u0323 trong t\u00f4\u0309ng thu nh\u1ea1\u0302p cu\u0309a ca\u0301c ng\u00e2n h\u00e0ng Vi\u1eb9\u0302t Nam. B\u00f4\u0301i ca\u0309nh \u0111o\u0301 v\u01b0\u0300a la\u0300 co\u031b h\u1ecd\u0302i cu\u0303ng \u0111\u00f4\u0300ng th\u01a1\u0300i la\u0300 tha\u0301ch th\u01b0\u0301c l\u01a1\u0301n \u0111\u1ea1\u0306t ra \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0301c NHTM Vi\u1ec7t Nam.<\/p>\n

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TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/p>\n

ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p cu\u0309a NHTM la\u0300 t\u00e2\u0301t y\u00ea\u0301u do s\u01b0\u0323 pha\u0301t tri\u00ea\u0309n kinh t\u00ea\u0301 – xa\u0303 h\u1ecd\u0302i va\u0300 nhu c\u00e2\u0300u s\u01b0\u0309 du\u0323ng di\u0323ch vu\u0323 nga\u0302n ha\u0300ng trong b\u1ed1i c\u1ea3nh khoa h\u1ecdc c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n, t\u1eeb \u0111\u00f3 gi\u00fap cho s\u01b0\u0323 pha\u0301t tri\u00ea\u0309n hoa\u0323t \u0111\u1ecd\u0302ng nga\u0302n ha\u0300ng b\u1ec1n v\u1eefng h\u01a1n. C\u1ee5 th\u1ec3, nga\u0300y 8\/8\/2018, Thu\u0309 t\u01b0\u1edbng Chi\u0301nh phu\u0309 \u0111a\u0303 ban ha\u0300nh Quy\u00ea\u0301t \u0111i\u0323nh s\u00f4\u0301 986\/Q\u0110-TTg phe\u0302 duy\u1eb9\u0302t \u201cChi\u00ea\u0301n l\u01b0\u1ee3c pha\u0301t tri\u00ea\u0309n nga\u0300nh Nga\u0302n ha\u0300ng Vi\u1eb9\u0302t Nam \u0111\u00ea\u0301n na\u0306m 2025, \u0111i\u0323nh h\u01b0\u1edbng \u0111\u00ea\u0301n na\u0306m 2030\u201d, trong \u0111\u00f3 \u0111a\u0303 xa\u0301c \u0111i\u0323nh ro\u0303 mu\u0323c tie\u0302u v\u00ea\u0300 chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p cu\u0309a toa\u0300n nga\u0300nh Nga\u0302n ha\u0300ng la\u0300: \u201cPh\u00e2\u0301n \u0111\u00e2\u0301u \u0111\u00ea\u0301n cu\u00f4\u0301i na\u0306m 2025 ta\u0306ng ty\u0309 tro\u0323ng thu nh\u1ea1\u0302p t\u01b0\u0300 hoa\u0323t \u0111\u1ecd\u0302ng di\u0323ch vu\u0323 phi ti\u0301n du\u0323ng trong t\u00f4\u0309ng thu nh\u1ea1\u0302p cu\u0309a ca\u0301c nga\u0302n ha\u0300ng th\u01b0\u01a1ng ma\u0323i le\u0302n khoa\u0309ng 16-17%\u201d.<\/p>\n

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\u00d4ng L\u00ea Ho\u00e0ng T\u00f9ng – K\u1ebf to\u00e1n tr\u01b0\u1edfng Vietcombank thay m\u1eb7t nh\u00f3m nghi\u00ean c\u1ee9u tr\u00ecnh b\u00e0y k\u1ebft qu\u1ea3 c\u1ee7a \u0111\u1ec1 t\u00e0i. <\/em><\/p>\n

\u0110\u1ea1i di\u1ec7n nh\u00f3m nghi\u00ean c\u1ee9u, \u00f4ng L\u00ea Ho\u00e0ng T\u00f9ng – K\u1ebf to\u00e1n tr\u01b0\u1edfng Vietcombank n\u00eau ra nh\u1eefng l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c chuy\u1ec3n d\u1ecbch c\u01a1 c\u1ea5u thu nh\u1eadp c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. C\u1ee5 th\u1ec3, \u0111\u00f4\u0301i v\u01a1\u0301i n\u00ea\u0300n kinh t\u00ea\u0301 xa\u0303 h\u1ecd\u0302i, vi\u1ec7c n\u00e0y thu\u0301c \u0111\u00e2\u0309y nga\u0302n ha\u0300ng h\u1ecd\u0302i nh\u1ea1\u0302p kinh t\u00ea\u0301 qu\u00f4\u0301c t\u00ea\u0301 va\u0300 lie\u0302n k\u00ea\u0301t ca\u0301c di\u0323ch vu\u0323 ta\u0300i chi\u0301nh v\u01a1\u0301i nga\u0300nh nga\u0302n ha\u0300ng tre\u0302n th\u00ea\u0301 gi\u01a1\u0301i; \u0111\u00e2\u0309y nhanh qua\u0301 tri\u0300nh lu\u031bu tho\u0302ng ha\u0300ng ho\u0301a, ti\u00ea\u0300n t\u1eb9\u0302, ti\u00ea\u0301t ki\u1eb9\u0302m chi phi\u0301 xa\u0303 h\u1ecd\u0302i; thu\u0301c \u0111\u00e2\u0309y sa\u0309n xu\u00e2\u0301t, cung \u01b0\u0301ng v\u00f4\u0301n v\u01a1\u0301i chi phi\u0301 th\u00e2\u0301p ho\u031bn; thu\u0301c \u0111\u00e2\u0309y n\u00ea\u0300n kinh t\u00ea\u0301 theo xu hu\u031b\u01a1\u0301ng kinh t\u00ea\u0301 tri th\u01b0\u0301c; ta\u0323o \u0111i\u00ea\u0300u ki\u1eb9\u0302n \u0111\u00ea\u0309 cho ca\u0301c nga\u0300nh kinh t\u00ea\u0301 kha\u0301c pha\u0301t tri\u00ea\u0309n. \u0110\u1ed1i v\u1edbi b\u1ea3n th\u00e2n ng\u00e2n h\u00e0ng, chuy\u00ea\u0309n di\u0323ch thu nh\u1ea1\u0302p giu\u0301p gia ta\u0306ng l\u01a1\u0323i nhu\u1ea1\u0302n b\u00ea\u0300n v\u01b0\u0303ng cho ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, gi\u00fap thu nh\u1ea1\u0302p cu\u0309a ng\u00e2n h\u00e0ng \u00f4\u0309n \u0111i\u0323nh ho\u031bn; gia\u0309m thi\u00ea\u0309u ru\u0309i ro trong hoa\u0323t \u0111\u1ecd\u0302ng; na\u0302ng cao kha\u0309 na\u0306ng ca\u0323nh tranh cu\u0309a c\u00e1c nh\u00e0 b\u0103ng trong n\u00ea\u0300n kinh t\u00ea\u0301. \u0110\u00f4\u0301i v\u01a1\u0301i kha\u0301ch ha\u0300ng, vi\u1ec7c chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p cu\u0309a c\u00e1c ng\u00e2n h\u00e0ng giu\u0301p ti\u00ea\u0301t ki\u1eb9\u0302m chi phi\u0301 va\u0300 th\u01a1\u0300i gian do ca\u0301c ng\u00e2n h\u00e0ng na\u0302ng cao ch\u00e2\u0301t lu\u031b\u01a1\u0323ng di\u0323ch vu\u0323, gia\u0309m a\u0301p l\u01b0\u0323c le\u0302n la\u0303i su\u00e2\u0301t ti\u00ea\u0300n vay cu\u0309a nga\u0302n ha\u0300ng.<\/p>\n

Th\u1ef1c t\u1ebf hi\u1ec7n nay, v\u01a1\u0301i \u0111\u1ea1\u0306c thu\u0300 la\u0300 m\u1ecd\u0302t n\u00ea\u0300n kinh t\u00ea\u0301 \u0111ang pha\u0301t tri\u00ea\u0309n, ta\u0306ng tru\u031b\u01a1\u0309ng kinh t\u00ea\u0301 cu\u0309a Vi\u1eb9\u0302t Nam v\u00e2\u0303n co\u0300n phu\u0323 thu\u1ecd\u0302c nhi\u00ea\u0300u va\u0300o ta\u0306ng tru\u031b\u01a1\u0309ng ti\u0301n du\u0323ng. Hoa\u0323t \u0111\u1ecd\u0302ng ti\u0301n du\u0323ng v\u00e2\u0303n \u0111u\u031b\u01a1\u0323c xem la\u0300 hoa\u0323t \u0111\u1ecd\u0302ng chi\u0301nh va\u0300 mang la\u0323i ngu\u00f4\u0300n thu chu\u0309 y\u00ea\u0301u cho ca\u0301c NHTM Vi\u1eb9\u0302t Nam. Minh ch\u1ee9ng l\u00e0 trong giai \u0111oa\u0323n 2014-2019, thu nh\u1ea1\u0302p la\u0303i chi\u00ea\u0301m bi\u0300nh qua\u0302n 78% t\u00f4\u0309ng thu nh\u1ea1\u0302p hoa\u0323t \u0111\u1ecd\u0302ng kinh doanh cu\u0309a ca\u0301c ng\u00e2n h\u00e0ng Vi\u1eb9\u0302t Nam, trong khi \u0111o\u0301, thu t\u01b0\u0300 phi\u0301 di\u0323ch vu\u0323 chi\u0309 chi\u00ea\u0301m khoa\u0309ng 14%. Trong nh\u01b0\u0303ng na\u0306m g\u00e2\u0300n \u0111a\u0302y, ca\u0301c nh\u00e0 b\u0103ng Vi\u1ec7t \u0111a\u0303 co\u0301 nh\u01b0\u0303ng \u0111\u1ecd\u0302ng tha\u0301i quy\u00ea\u0301t li\u1eb9\u0302t nh\u0103\u0300m \u0111\u00e2\u0309y ma\u0323nh hoa\u0323t \u0111\u1ecd\u0302ng di\u0323ch vu\u0323, gia\u0309m d\u00e2\u0300n s\u01b0\u0323 phu\u0323 thu\u1ecd\u0302c va\u0300o ngu\u00f4\u0300n thu ti\u0301n du\u0323ng, chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p theo hu\u031b\u01a1\u0301ng gia ta\u0306ng ty\u0309 tro\u0323ng thu phi\u0301 di\u0323ch vu\u0323.<\/p>\n

Tuy nhie\u0302n c\u1ea7n nh\u00ecn nh\u1eadn r\u1eb1ng, k\u00ea\u0301t qua\u0309 th\u01b0\u0323c hi\u1eb9\u0302n chu\u031ba nhu\u031b ky\u0300 vo\u0323ng. Thu nh\u1ea1\u0302p t\u01b0\u0300 la\u0303i v\u00e2\u0303n la\u0300 ngu\u00f4\u0300n thu nh\u1ea1\u0302p chi\u0301nh, chi\u00ea\u0301m ty\u0309 l\u1eb9\u0302 cao trong t\u00f4\u0309ng thu nh\u1ea1\u0302p, ty\u0309 tro\u0323ng thu di\u0323ch vu\u0323 co\u0300n th\u00e2\u0301p so v\u01a1\u0301i tho\u0302ng l\u1eb9\u0302 qu\u00f4\u0301c t\u00ea\u0301 cu\u0309a ca\u0301c nga\u0302n ha\u0300ng hi\u1eb9\u0302n \u0111a\u0323i hi\u1eb9\u0302n nay. V\u00ec v\u1eady, nh\u00f3m nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p. V\u00ea\u0300 chi\u00ea\u0301n lu\u031b\u01a1\u0323c kinh doanh, c\u1ea7n x\u00e1c \u0111\u1ecbnh chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p theo hu\u031b\u01a1\u0301ng pha\u0301t tri\u00ea\u0309n b\u00ea\u0300n v\u01b0\u0303ng la\u0300 m\u1ecd\u0302t t\u00e2\u0300m nhi\u0300n va\u0300 qua\u0301 tri\u0300nh mang ti\u0301nh da\u0300i ha\u0323n, do \u0111o\u0301 nh\u00e2\u0301t thi\u00ea\u0301t pha\u0309i \u0111u\u031b\u01a1\u0323c th\u00ea\u0309 hi\u1eb9\u0302n \u01a1\u0309 c\u00e2\u0301p chi\u00ea\u0301n lu\u031b\u01a1\u0323c kinh doanh cu\u0309a ca\u0301c nga\u0302n ha\u0300ng va\u0300 kie\u0302n tri\u0300 v\u01a1\u0301i mu\u0323c tie\u0302u pha\u0301t tri\u00ea\u0309n b\u00ea\u0300n v\u01b0\u0303ng. Ngoa\u0300i ra, c\u00e2\u0300n s\u01a1\u0301m gia\u0309i quy\u00ea\u0301t ca\u0301c \u201c\u0111i\u00ea\u0309m nghe\u0303n\u201d la\u0300m ha\u0323n ch\u00ea\u0301 qua\u0301 tri\u0300nh chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p cu\u0309a ca\u0301c ng\u00e2n h\u00e0ng Vi\u1eb9\u0302t Nam th\u00f4ng qua t\u1ea1\u0302p trung thu\u0301c \u0111\u00e2\u0309y ta\u0306ng thu nh\u1ea1\u0302p t\u01b0\u0300 ca\u0301c nho\u0301m di\u0323ch vu\u0323 hi\u1eb9\u0302n \u0111a\u0323i nhu\u031b tu\u031b v\u00e2\u0301n, ba\u0309o hi\u00ea\u0309m, nga\u0302n ha\u0300ng \u0111i\u1eb9\u0302n t\u01b0\u0309, ta\u0306ng cu\u031b\u01a1\u0300ng h\u01a1\u0323p ta\u0301c pha\u0301t tri\u00ea\u0309n ca\u0301c ke\u0302nh pha\u0302n ph\u00f4\u0301i ba\u0309o hi\u00ea\u0309m.<\/p>\n

Nh\u00f3m nghi\u00ean c\u1ee9u c\u0169ng \u0111\u1ec1 xu\u1ea5t v\u1edbi c\u00e1c NHTM c\u1ed5 ph\u1ea7n c\u1ea7n lu\u031bu t\u01a1\u0301i y\u00ea\u0301u t\u00f4\u0301 b\u00ea\u0300n v\u01b0\u0303ng cu\u0309a thu nh\u1ea1\u0302p, tra\u0301nh phu\u0323 thu\u1ecd\u0302c va\u0300o ca\u0301c khoa\u0309n thu \u0111\u1ecd\u0302t bi\u00ea\u0301n b\u00e2\u0301t thu\u031b\u01a1\u0300ng. \u0110\u00f4\u0301i v\u01a1\u0301i di\u0323ch vu\u0323 tu\u031b v\u00e2\u0301n pha\u0301t ha\u0300nh va\u0300 n\u0103\u0301m gi\u01b0\u0303 tra\u0301i phi\u00ea\u0301u doanh nghi\u1eb9\u0302p, ca\u0301c ng\u00e2n h\u00e0ng c\u00e2\u0300n na\u0302ng cao na\u0306ng l\u01b0\u0323c qua\u0309n tri\u0323 ru\u0309i ro trong b\u00f4\u0301i ca\u0309nh thi\u0323 tru\u031b\u01a1\u0300ng tra\u0301i phi\u00ea\u0301u doanh nghi\u1eb9\u0302p ta\u0323i Vi\u1eb9\u0302t Nam v\u00e2\u0303n co\u0300n \u01a1\u0309 m\u01b0\u0301c \u0111\u1ecd\u0302 pha\u0301t tri\u00ea\u0309n th\u00e2\u0301p, m\u01b0\u0301c \u0111\u1ecd\u0302 minh ba\u0323ch tho\u0302ng tin chu\u031ba cao. Song song v\u1edbi \u0111\u00f3, b\u1ea3n th\u00e2n ca\u0301c ng\u00e2n h\u00e0ng Vi\u1eb9\u0302t Nam c\u00e2\u0300n \u0111\u00e2\u0309y ma\u0323nh pha\u0301t tri\u00ea\u0309n ca\u0301c di\u0323ch vu\u0323 nga\u0302n ha\u0300ng a\u0301p du\u0323ng co\u0302ng ngh\u1eb9\u0302 hi\u1eb9\u0302n \u0111a\u0323i, tra\u0301nh m\u0103\u0301c pha\u0309i sai l\u00e2\u0300m la\u0300 chi\u0309 \u0111o\u031bn thu\u00e2\u0300n phu\u0309 co\u0302ng ngh\u1eb9\u0302 le\u0302n mo\u0302 hi\u0300nh nga\u0302n ha\u0300ng truy\u00ea\u0300n th\u00f4\u0301ng cu\u0303 ky\u0303 v\u00e0 c\u1ea7n da\u0300nh ngu\u00f4\u0300n l\u01b0\u0323c l\u01a1\u0301n \u0111\u00e2\u0300u tu\u031b va\u0300o vi\u1eb9\u0302c thi\u00ea\u0301t k\u00ea\u0301 sa\u0309n ph\u00e2\u0309m di\u0323ch vu\u0323 m\u01a1\u0301i.<\/p>\n

\u0110\u1ec1 xu\u1ea5t v\u1edbi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, nh\u00f3m nghi\u00ean c\u1ee9u cho r\u1eb1ng c\u00e2\u0300n \u0111\u00e2\u0309y ma\u0323nh pha\u0301t tri\u00ea\u0309n thi\u0323 tru\u031b\u01a1\u0300ng v\u00f4\u0301n, gia\u0309m b\u01a1\u0301t a\u0301p l\u01b0\u0323c v\u00ea\u0300 cung \u01b0\u0301ng v\u00f4\u0301n qua ke\u0302nh nga\u0302n ha\u0300ng, ta\u0323o \u0111i\u00ea\u0300u ki\u1eb9\u0302n va\u0300 cu\u0303ng la\u0300 gia ta\u0306ng a\u0301p l\u01b0\u0323c bu\u1ecd\u0302c ca\u0301c ng\u00e2n h\u00e0ng pha\u0309i \u0111\u00e2\u0309y ma\u0323nh qua\u0301 tri\u0300nh chuy\u00ea\u0309n di\u0323ch hoa\u0323t \u0111\u1ecd\u0302ng theo hu\u031b\u01a1\u0301ng gia ta\u0306ng hoa\u0323t \u0111\u1ecd\u0302ng di\u0323ch vu\u0323. Th\u01b0\u0301 hai, c\u00e2\u0300n co\u0301 nh\u01b0\u0303ng gia\u0309i pha\u0301p \u0111\u00f4\u0300ng b\u1ecd\u0302 \u0111\u00ea\u0309 thu\u0301c \u0111\u00e2\u0309y ta\u0300i chi\u0301nh toa\u0300n di\u1eb9\u0302n, qua \u0111o\u0301 ta\u0323o the\u0302m du\u031b \u0111i\u0323a cho ca\u0301c ng\u00e2n h\u00e0ng m\u01a1\u0309 r\u1ecd\u0302ng cung c\u00e2\u0301p di\u0323ch vu\u0323.<\/p>\n

Trao \u0111\u1ed5i t\u1ea1i H\u1ed9i th\u1ea3o, c\u00e1c \u0111\u1ea1i bi\u1ec3u \u0111\u1ec1u cho r\u1eb1ng chuy\u00ea\u0309n di\u0323ch co\u031b c\u00e2\u0301u thu nh\u1ea1\u0302p hoa\u0323t \u0111\u1ecd\u0302ng cu\u0309a ca\u0301c NHTM theo hu\u031b\u01a1\u0301ng gia ta\u0306ng ty\u0309 tro\u0323ng di\u0323ch vu\u0323 la\u0300 xu th\u00ea\u0301 t\u00e2\u0301t y\u00ea\u0301u trong b\u00f4\u0301i ca\u0309nh hi\u1ec7n nay. \u0110o\u0301 cu\u0303ng la\u0300 s\u01b0\u0323 chuy\u00ea\u0309n di\u0323ch c\u00e2\u0300n thi\u00ea\u0301t \u0111\u00ea\u0309 ca\u0301c NHTM co\u0301 th\u00ea\u0309 ti\u00ea\u0301p tu\u0323c pha\u0301t tri\u00ea\u0309n m\u1ecd\u0302t ca\u0301ch b\u00ea\u0300n v\u01b0\u0303ng. V\u00ec v\u1eady, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n ti\u00ea\u0301p tu\u0323c hoa\u0300n thi\u1eb9\u0302n ha\u0300nh lang pha\u0301p li\u0301 cho ca\u0301c di\u0323ch vu\u0323 nga\u0302n ha\u0300ng hi\u1eb9\u0302n co\u0301, xa\u0302y d\u01b0\u0323ng ki\u0323p th\u01a1\u0300i khung pha\u0301p li\u0301 cho ca\u0301c di\u0323ch vu\u0323 m\u01a1\u0301i nh\u1eb1m h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng trong ti\u1ebfn tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1, n\u00e2ng cao tr\u1ea3i nghi\u1ec7m cho kh\u00e1ch h\u00e0ng.<\/p>\n

\"\"<\/a><\/p>\n

C\u00e1c \u0111\u1ea1i bi\u1ec3u ch\u1ee5p \u1ea3nh l\u01b0u ni\u1ec7m sau khi k\u1ebft th\u00fac H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Tin b\u00e0i & \u1ea2nh: Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng; Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00e1ng 24\/11\/2022, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (CLNH) \u0111\u00e3 t\u1ed5 ch\u1ee9c bu\u1ed5i H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9: \u201c\u0110\u1ecbnh h\u01b0\u1edbng v\u00e0 gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n d\u1ecbch c\u01a1 c\u1ea5u thu nh\u1eadp c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam\u201d (m\u00e3 s\u1ed1 \u0110TNH.017\/18) …<\/p>\n","protected":false},"author":3,"featured_media":3246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,72,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3245"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=3245"}],"version-history":[{"count":2,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3245\/revisions"}],"predecessor-version":[{"id":3251,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3245\/revisions\/3251"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/3246"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=3245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=3245"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=3245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}