{"id":15430,"date":"2017-04-27T10:49:14","date_gmt":"2017-04-27T03:49:14","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15430"},"modified":"2022-03-23T10:53:49","modified_gmt":"2022-03-23T03:53:49","slug":"1-626-mot-chiec-the-atm-be-ti-phai-chiu-hang-chuc-loai-phi-khach-hang-co-la-bo-sua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-626-mot-chiec-the-atm-be-ti-phai-chiu-hang-chuc-loai-phi-khach-hang-co-la-bo-sua\/","title":{"rendered":"1.626. M\u1ed9t chi\u1ebfc th\u1ebb ATM b\u00e9 t\u00ed ph\u1ea3i ch\u1ecbu h\u00e0ng ch\u1ee5c lo\u1ea1i ph\u00ed: Kh\u00e1ch h\u00e0ng c\u00f3 l\u00e0 “b\u00f2 s\u1eefa”?"},"content":{"rendered":"(KT\u0110T) – Th\u1eddi gian g\u1ea7n \u0111\u00e2y, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1ea1i t\u0103ng ph\u00ed ATM, g\u00e2y ra nhi\u1ec1u tranh c\u00e3i m\u00e0 m\u1ed9t ph\u1ea7n do ph\u00eda ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn c\u00f2n m\u00f9 m\u1edd v\u1ec1 ph\u00ed d\u1ecbch v\u1ee5.<\/strong><\/p>\n

Kh\u00e1ch h\u00e0ng m\u00f9 m\u1edd v\u1ec1 ph\u00ed<\/strong><\/p>\n

H\u00e0ng th\u00e1ng d\u00f9ng th\u1ebb ATM, ch\u1ecb \u0110o\u00e0n Kim Thanh (\u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) m\u1eb7c \u0111\u1ecbnh b\u1ecb tr\u1eeb 2 kho\u1ea3n ph\u00ed: Ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 ph\u00ed duy tr\u00ec d\u1ecbch v\u1ee5 SMS banking v\u00e0o \u0111\u1ea7u th\u00e1ng v\u00e0 cu\u1ed1i th\u00e1ng. Th\u1ebf nh\u01b0ng gi\u1eefa th\u00e1ng 4 v\u1eeba qua, ch\u1ecb b\u1ed7ng nhi\u00ean b\u1ecb tr\u1eeb th\u00eam 5.500 \u0111\u1ed3ng. Th\u1eafc m\u1eafc h\u1ecfi t\u1ed5ng \u0111\u00e0i, nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch \u0111\u00f3 l\u00e0 ph\u00ed d\u1ecbch v\u1ee5 Internet Banking – m\u1ed9t d\u1ecbch v\u1ee5 m\u00e0 ch\u1ecb Thanh ch\u01b0a h\u1ec1 \u0111\u0103ng k\u00fd.<\/p>\n

Khi nghe c\u00e2u chuy\u1ec7n n\u00e0y, kh\u00f4ng \u00edt ng\u01b0\u1eddi gi\u1eadt m\u00ecnh v\u00ec m\u1ea5y ai \u0111\u1ec3 \u00fd\u00a0ng\u00e2n h\u00e0ng<\/a>\u00a0tr\u1eeb ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o khi h\u00e0ng th\u00e1ng c\u00f3 r\u1ea5t nhi\u1ec1u kho\u1ea3n ph\u00ed \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u1ed9ng tr\u1eeb v\u00e0o t\u00e0i kho\u1ea3n…<\/p>\n

R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi nh\u1eadn l\u01b0\u01a1ng qua th\u1ebb ATM cho bi\u1ebft h\u1ecd kh\u00f4ng c\u00f3 s\u1ef1 l\u1ef1a ch\u1ecdn kh\u00e1c b\u1edfi th\u1ebb do c\u01a1 quan m\u1edf, tr\u01b0\u1eddng h\u1ee3p c\u1ee7a ch\u1ecb H\u1eb1ng l\u00e0 m\u1ed9t v\u00ed d\u1ee5. Ch\u1ecb cho hay, c\u1ee9 c\u00f3 ti\u1ec1n trong t\u00e0i kho\u1ea3n l\u00e0 r\u00fat h\u1ebft \u0111\u1ec3 ti\u00eau d\u1ea7n. \u201cTh\u1ef1c ra chi ti\u00eau cho \u0111\u1eddi s\u1ed1ng h\u00e0ng ng\u00e0y, hi\u1ebfu h\u1ec9, r\u1ed3i ti\u1ec1n h\u1ecdc cho con… d\u00f9ng th\u1ebb \u0111\u00e2u c\u00f3 ti\u00eau \u0111\u01b0\u1ee3c? T\u1ef1 nhi\u00ean h\u00e0ng th\u00e1ng l\u1ea1i g\u00e1nh th\u00eam ti\u1ec1n nu\u00f4i th\u1ebb…\u201d, ch\u1ecb H\u1eb1ng t\u00e2m s\u1ef1.<\/p>\n

Theo th\u1ed1ng k\u00ea, m\u1ed9t chi\u1ebfc th\u1ebb ATM \u0111ang ph\u1ea3i ch\u1ecbu h\u00e0ng ch\u1ee5c lo\u1ea1i ph\u00ed, t\u1eeb ph\u00ed ph\u00e1t h\u00e0nh, ph\u00ed th\u01b0\u1eddng ni\u00ean, ph\u00ed ph\u00e1t h\u00e0nh l\u1ea1i, ph\u00ed chuy\u1ec3n kho\u1ea3n, ph\u00ed r\u00fat ti\u1ec1n, SMS banking\u2026 M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u s\u1ea3n ph\u1ea9m th\u1ebb kh\u00e1c nhau, ch\u00ednh s\u00e1ch thu ph\u00ed c\u0169ng \u0111a d\u1ea1ng. Trong khi c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng nh\u01b0 Vietcombank, DongA Bank, ACB mi\u1ec5n ph\u00ed ph\u00e1t h\u00e0nh nh\u01b0ng ph\u00ed duy tr\u00ec s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n l\u00e0 50.000 \u0111\u1ed3ng, BIDV thu ph\u00ed duy tr\u00ec th\u1ebb l\u00e0 50.000 \u0111\u1ed3ng, ch\u01b0a k\u1ec3 ph\u00ed th\u01b0\u1eddng ni\u00ean l\u00e0 33.000 \u0111\u1ed3ng. VCB v\u00e0 BIDV, MB hi\u1ec7n \u00e1p m\u1ee9c ph\u00ed r\u00fat ti\u1ec1n n\u1ed9i m\u1ea1ng l\u00e0 1.100 \u0111\u1ed3ng\/giao d\u1ecbch, ngo\u1ea1i m\u1ea1ng 3.300 \u0111\u1ed3ng\/giao d\u1ecbch. Maritimebank ph\u00ed th\u01b0\u1eddng ni\u00ean l\u00e0 50.000 \u0111\u1ed3ng, Techcombank ph\u00ed chuy\u1ec3n kho\u1ea3n t\u1ed1i thi\u1ec3u 11.000 \u0111\u1ed3ng\u2026<\/p>\n

Trong khi \u0111\u00f3, nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u01b0 nh\u00e2n hay ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i l\u1ea1i thu ph\u00ed cao h\u01a1n… Th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a HSBC ph\u00ed th\u01b0\u1eddng ni\u00ean c\u0169ng t\u00f9y lo\u1ea1i, t\u1eeb 350.000 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi th\u1ebb chu\u1ea9n v\u00e0 1,2 tri\u1ec7u \u0111\u1ed3ng cho th\u1ebb B\u1ea1ch kim. ANZ thu ph\u00ed t\u1eeb 350.000 \u0111\u1ed3ng tr\u1edf l\u00ean cho m\u1ed9t n\u0103m.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Kh\u00e1ch h\u00e0ng giao d\u1ecbch t\u1ea1i c\u00e2y ATM<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ch\u1ea5t l\u01b0\u1ee3ng c\u00f3 c\u1ea3i thi\u1ec7n?<\/strong><\/p>\n

M\u1ed9t chuy\u00ean gia v\u1ec1 th\u1ebb ng\u00e2n h\u00e0ng cho r\u1eb1ng, c\u1ea7n ph\u1ea3i thu ph\u00ed ATM v\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ecf ti\u1ec1n ra \u0111\u1ec3\u00a0\u0111\u1ea7u t\u01b0<\/a>\u00a0m\u00e1y m\u00f3c kho\u1ea3ng 400 – 600 tri\u1ec7u \u0111\u1ed3ng\/m\u00e1y. Ngo\u00e0i ra, ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i c\u00f3 chi ph\u00ed l\u1eafp \u0111\u1eb7t, b\u1ea3o tr\u00ec, an ninh\u2026 T\u1ea5t c\u1ea3 chi ph\u00ed \u0111\u00f3 n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp th\u00ec r\u1ea5t kh\u00f3.<\/p>\n

Chuy\u00ean gia C\u1ea5n V\u0103n L\u1ef1c nh\u1eadn x\u00e9t, nhi\u1ec1u lo\u1ea1i ph\u00ed \u0111\u01b0\u1ee3c c\u00e1c NH tri\u1ec3n khai kh\u00e1c nhau. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng mi\u1ec5n ph\u00ed d\u1ecbch v\u1ee5 n\u00e0y nh\u01b0ng l\u1ea1i thu ph\u00ed d\u1ecbch v\u1ee5 kh\u00e1c, c\u0169ng c\u00f3 ng\u00e2n h\u00e0ng thu ph\u00ed cao h\u01a1n b\u00ecnh qu\u00e2n v\u1edbi l\u00fd do t\u1ef1 cho l\u00e0… c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 t\u1ed1t. \u0110\u1ea1i di\u1ec7n c\u00e1c NH th\u1eeba nh\u1eadn m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng mi\u1ec5n ph\u00ed d\u1ecbch v\u1ee5 n\u00e0y nh\u01b0ng l\u1ea1i thu d\u1ecbch v\u1ee5 kh\u00e1c cao h\u01a1n. Trong \u0111\u00f3, m\u1ed7i ng\u00e2n h\u00e0ng l\u1ea1i c\u00f3 ch\u00ednh s\u00e1ch thu kh\u00e1c nhau. C\u00f3 ng\u00e2n h\u00e0ng thu ph\u00ed t\u1ed1i \u0111a theo khung quy \u0111inh c\u1ee7a NHNN, c\u00f3 ng\u00e2n h\u00e0ng l\u1ea1i thu th\u1ea5p h\u01a1n nh\u1eb1m thu h\u00fat kh\u00e1ch h\u00e0ng. \u00d4ng\u00a0 L\u1ef1c nh\u1ea5n m\u1ea1nh, c\u00e1c ng\u00e2n h\u00e0ng mu\u1ed1n t\u00ednh to\u00e1n th\u1ebf n\u00e0o th\u00ec t\u00f9y nh\u01b0ng v\u1eabn ph\u1ea3i trong khung quy \u0111\u1ecbnh c\u1ee7a NHNN, \u0111\u01b0\u1ee3c ph\u00e9p thu lo\u1ea1i ph\u00ed n\u00e0o v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p thu lo\u1ea1i ph\u00ed n\u00e0o.<\/p>\n

Nh\u01b0ng thu ph\u00ed sao cho ng\u01b0\u1eddi d\u00e2n c\u1ea3m th\u1ea5y kh\u00f4ng b\u1ecb phi\u1ec1n to\u00e1i, d\u00f9 c\u00e1c kho\u1ea3n ph\u00ed n\u00e0y kh\u00f4ng \u0111\u00e1ng bao nhi\u00eau. C\u00e1c NH c\u00f3 th\u1ec3 t\u00ednh to\u00e1n l\u1ea1i chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u0111i thu ph\u00ed t\u1ee7n m\u1ee7n nh\u01b0 hi\u1ec7n nay. \u201cV\u1edbi quy \u0111\u1ecbnh s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u trong t\u00e0i kho\u1ea3n m\u00e0 kh\u00f4ng t\u00ednh l\u00e3i su\u1ea5t, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 thu ph\u00ed m\u1ed9t c\u00e1ch tinh vi t\u1eeb kh\u00e1ch h\u00e0ng r\u1ed3i, \u0111\u00e2u c\u1ea7n ph\u1ea3i t\u1eadn thu c\u00e1c kho\u1ea3n ph\u00ed nh\u1ecf nh\u1eb7t kh\u00e1c\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c b\u00ecnh lu\u1eadn.<\/em><\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, khi ng\u01b0\u1eddi\u00a0ti\u00eau d\u00f9ng<\/a>\u00a0s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ATM th\u00ec vi\u1ec7c ph\u1ea3i tr\u1ea3 ph\u00ed l\u00e0 b\u00ecnh th\u01b0\u1eddng. Song c\u1ea7n xem x\u00e9t y\u1ebfu t\u1ed1 ti\u1ec7n \u00edch cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb ATM. \u201cT\u0103ng ph\u00ed th\u00ec ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 c\u1ee7a ATM c\u00f3 t\u1ed1t kh\u00f4ng? Trong khi \u0111\u00f3, ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 ATM l\u1ea1i c\u00f3 v\u1ea5n \u0111\u1ec1. V\u00ed d\u1ee5 nh\u01b0 h\u1ebft ti\u1ec1n, ng\u01b0ng cung c\u1ea5p do ngh\u1ebdn m\u1ea1ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u00e0o c\u00e1c d\u1ecbp l\u1ec5, T\u1ebft. Th\u1ebf nh\u01b0ng ph\u00ed ATM l\u1ea1i li\u00ean t\u1ee5c t\u0103ng\u201d.<\/p>\n

Theo Th\u00f4ng t\u01b0 35\/2012\/TT-NHNN v\u1ec1 ph\u00ed d\u1ecbch v\u1ee5 th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba, t\u1eeb 1\/3, c\u00e1c NHTM \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng bi\u1ec3u ph\u00ed d\u1ecbch v\u1ee5 th\u1ebb v\u1edbi m\u1ee9c r\u00fat ti\u1ec1n n\u1ed9i m\u1ea1ng t\u1ed1i \u0111a 1.000 \u0111\u1ed3ng\/giao d\u1ecbch (ch\u01b0a bao g\u1ed3m VAT); \u0111\u1ebfn n\u0103m 2014, m\u1ee9c ph\u00ed n\u00e0y t\u0103ng g\u1ea5p \u0111\u00f4i v\u00e0 g\u1ea5p ba v\u00e0o n\u0103m 2015. C\u00e1c giao d\u1ecbch r\u00fat ti\u1ec1n ngo\u1ea1i m\u1ea1ng ph\u1ea3i chi tr\u1ea3 t\u1ed1i \u0111a 3.000 \u0111\u1ed3ng\/giao d\u1ecbch. C\u00f2n ph\u00ed v\u1ea5n tin t\u00e0i kho\u1ea3n, in sao k\u00ea ho\u1eb7c in ch\u1ee9ng t\u1eeb v\u1ea5n tin t\u00e0i kho\u1ea3n t\u1ed1i \u0111a 500 \u0111\u1ed3ng\/l\u1ea7n (n\u1ed9i m\u1ea1ng) \u0111\u1ebfn 800 \u0111\u1ed3ng\/l\u1ea7n (ngo\u1ea1i m\u1ea1ng).<\/p>\n

C\u00f3 th\u1ec3 th\u00f4ng c\u1ea3m l\u00e0 c\u00e1c NH ph\u1ea3i \u0111\u1ea7u t\u01b0 h\u1ec7 th\u1ed1ng h\u1ea1 t\u1ea7ng, c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u1ec3 ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb, th\u1ebf nh\u01b0ng c\u00e1c lo\u1ea1i ph\u00ed hi\u1ec7n nay qu\u00e1 nhi\u1ec1u, g\u00e2y ng\u00e1n ng\u1ea1i cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb, t\u00e1c \u0111\u1ed9ng kh\u00f4ng t\u1ed1t \u0111\u1ebfn ch\u1ee7 tr\u01b0\u01a1ng khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n giao d\u1ecbch qua NH, h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t.<\/p>\n

Chuy\u00ean gia ng\u00e2n h\u00e0ng Hu\u1ef3nh Trung Minh<\/em><\/p>\n

Kinh t\u1ebf & \u0110\u00f4 th\u1ecb 27-4-2017:<\/em><\/strong><\/p>\n

http:\/\/infomoney.vn\/mot-chiec-the-atm-be-ti-phai-chiu-hang-chuc-loai-phi-khach-hang-co-la-bo-sua-d62511.html<\/a><\/em><\/p>\n

(92\/1.024)<\/em>","protected":false},"excerpt":{"rendered":"

(KT\u0110T) – Th\u1eddi gian g\u1ea7n \u0111\u00e2y, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1ea1i t\u0103ng ph\u00ed ATM, g\u00e2y ra nhi\u1ec1u tranh c\u00e3i m\u00e0 m\u1ed9t ph\u1ea7n do ph\u00eda ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn c\u00f2n m\u00f9 m\u1edd v\u1ec1 ph\u00ed d\u1ecbch v\u1ee5. Kh\u00e1ch h\u00e0ng m\u00f9 m\u1edd v\u1ec1 ph\u00ed H\u00e0ng th\u00e1ng d\u00f9ng th\u1ebb ATM, ch\u1ecb \u0110o\u00e0n Kim Thanh (\u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) m\u1eb7c […]<\/p>\n","protected":false},"author":1,"featured_media":15434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.626. M\u1ed9t chi\u1ebfc th\u1ebb ATM b\u00e9 t\u00ed ph\u1ea3i ch\u1ecbu h\u00e0ng ch\u1ee5c lo\u1ea1i ph\u00ed: Kh\u00e1ch h\u00e0ng c\u00f3 l\u00e0 "b\u00f2 s\u1eefa"? - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-626-mot-chiec-the-atm-be-ti-phai-chiu-hang-chuc-loai-phi-khach-hang-co-la-bo-sua\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.626. 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