{"id":31770,"date":"2012-02-23T10:04:27","date_gmt":"2012-02-23T03:04:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31770"},"modified":"2022-07-05T21:12:43","modified_gmt":"2022-07-05T14:12:43","slug":"284-tao-thoi-quen-thanh-toan-khong-dung-tien-mat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/284-tao-thoi-quen-thanh-toan-khong-dung-tien-mat\/","title":{"rendered":"284. T\u1ea1o th\u00f3i quen thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"(TN) – N\u01b0\u1edbc ta hi\u1ec7n c\u00f3 kho\u1ea3ng 40 tri\u1ec7u th\u1ebb ATM do c\u00e1c ng\u00e2n h\u00e0ng (NH) ph\u00e1t h\u00e0nh, trong \u0111\u00f3 h\u01a1n 83% giao d\u1ecbch l\u00e0 r\u00fat ti\u1ec1n m\u1eb7t, h\u01a1n 16% c\u00f2n l\u1ea1i chuy\u1ec3n kho\u1ea3n v\u00e0 ch\u1ec9 ch\u01b0a \u0111\u1ea7y 1% \u0111\u1ec3 thanh to\u00e1n. Ngo\u00e0i vi\u1ec7c r\u00fat ti\u1ec1n, m\u1ed9t ch\u1ee9c n\u0103ng ti\u1ec7n l\u1ee3i c\u1ee7a th\u1ebb ATM l\u00e0 ph\u1ee5c v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, nh\u01b0ng ch\u1ee9c n\u0103ng n\u00e0y l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1t huy.<\/em><\/strong><\/p>\n

Ch\u1ea1y theo s\u1ed1 l\u01b0\u1ee3ng<\/strong><\/p>\n

Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ebb ATM m\u00e0 c\u00f2n qua c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c nh\u01b0 \u1ee7y nhi\u1ec7m chi, s\u00e9c, chuy\u1ec3n kho\u1ea3n\u2026 Trong c\u00e1c k\u00eanh n\u00e0y, ATM mang t\u00ednh ch\u1ea5t “\u0111\u1ea1i ch\u00fang” nh\u1ea5t nh\u01b0ng l\u1ea1i ph\u00e1t tri\u1ec3n ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng v\u1edbi ti\u1ec1m n\u0103ng. C\u00f3 th\u1ec3 k\u1ec3 ra hai nguy\u00ean nh\u00e2n ch\u00ednh:<\/p>\n

Th\u1ee9 nh\u1ea5t: Vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb thanh to\u00e1n c\u1ee7a c\u00e1c NH, trong \u0111\u00f3 c\u00f3 ATM \u0111ang ch\u1ea1y theo s\u1ed1 l\u01b0\u1ee3ng h\u01a1n ch\u1ea5t l\u01b0\u1ee3ng. Chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng sau \u0111\u00f3 n\u00e2ng ch\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd nh\u01b0ng x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m n\u00e0o m\u1edf th\u1eddi \u0111i\u1ec3m n\u00e0o n\u00e2ng c\u1ea7n c\u00f3 s\u1ef1 t\u00ednh to\u00e1n, c\u00e2n \u0111\u1ed1i m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n. Th\u1eed \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 trong kho\u1ea3ng 40 tri\u1ec7u th\u1ebb ATM hi\u1ec7n nay c\u00f3 bao nhi\u00eau th\u1ebb ho\u1ea1t \u0111\u1ed9ng v\u00e0 bao nhi\u00eau th\u1ebb “ch\u1ea1y theo doanh s\u1ed1 cho c\u00f3”? M\u1ed9t nh\u00e2n vi\u00ean v\u0103n ph\u00f2ng s\u1edf h\u1eefu t\u1eeb 3-5 th\u1ebb NH l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng nh\u01b0ng th\u1ef1c ch\u1ea5t ch\u1ec9 d\u00f9ng 1 \u0111\u00f4i khi l\u00e0 2.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb ATM.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1ee9 hai: Hi\u1ec7n t\u1ea1i, c\u00e1c c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t qu\u00e1 thi\u1ebfu. Ch\u1eb3ng h\u1ea1n, c\u00f4ng nh\u00e2n t\u1ea1i c\u00e1c khu c\u00f4ng nghi\u1ec7p, s\u1edf h\u1eefu m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ATM kh\u00f4ng nh\u1ecf, nh\u01b0ng khi \u0111i ch\u1ee3 l\u00e0m sao d\u00f9ng th\u1ebb ATM \u0111\u1ec3 thanh to\u00e1n? Trong khi \u0111i si\u00eau th\u1ecb th\u00ec \u0111\u1eddi s\u1ed1ng c\u00f4ng nh\u00e2n kh\u00f4ng d\u01b0 d\u1ea3 \u0111\u1ebfn m\u1ee9c c\u00f3 th\u1ec3 th\u01b0\u1eddng xuy\u00ean v\u00e0 th\u00f3i quen thanh to\u00e1n qua th\u1ebb c\u0169ng ch\u01b0a nhi\u1ec1u.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI: Ng\u00e0nh NH c\u0169ng ch\u01b0a t\u00edch c\u1ef1c tuy\u00ean truy\u1ec1n v\u1ec1 v\u1ea5n \u0111\u1ec1 s\u1eed d\u1ee5ng th\u1ebb \u0111\u1ec3 thanh to\u00e1n thay v\u00ec ch\u1ec9 \u0111\u1ec3 r\u00fat ti\u1ec1n. Nhi\u1ec1u ng\u01b0\u1eddi bi\u1ebft th\u1ebb ATM c\u00f3 nh\u1eefng ch\u1ee9c n\u0103ng n\u00e0y n\u1ecd nh\u01b0ng l\u1ea1i kh\u00f4ng bi\u1ebft d\u00f9ng nh\u01b0 th\u1ebf n\u00e0o. S\u1ed1 th\u1ebb ATM \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 hi\u1ec7n nay c\u00f3 l\u1ebd ch\u1ec9 v\u00e0o t\u1ea7m 1\/3 con s\u1ed1. C\u00f3 th\u1ec3 th\u1ea5y \u0111\u00f3 l\u00e0 m\u1ed9t s\u1ef1 l\u00e3ng ph\u00ed.<\/em><\/p>\n

N\u00e2ng d\u1ea7n ch\u1ea5t l\u01b0\u1ee3ng<\/strong><\/p>\n

\u00d4ng H\u1ed3 Ng\u1ecdc B\u1ea1ch, Ph\u00f3 Tr\u01b0\u1edfng ph\u00f2ng Ngu\u1ed3n v\u1ed1n NH TMCP \u0110\u1ea1i \u00c1 n\u00eau quan \u0111i\u1ec3m: \u0110\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c t\u1ed5ng th\u1ec3, ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c th\u00e0nh ph\u1ea7n quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf \u0111\u1ec3 c\u00f3 th\u1ec3 tri\u1ec3n khai thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Tr\u01b0\u1edbc m\u1eaft, c\u1ea7n c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa NH v\u00e0 h\u1ec7 th\u1ed1ng b\u00e1n l\u1ebb. Th\u1ef1c t\u1ebf, trong k\u00eanh b\u00e1n l\u1ebb, nhi\u1ec1u \u0111\u01a1n v\u1ecb m\u1eb7c d\u00f9 \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 tri\u1ec3n khai thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t nh\u01b0ng h\u1ecd l\u1ea1i “kh\u00f4ng th\u00edch”. L\u00fd do ngo\u00e0i v\u1ea5n \u0111\u1ec1 th\u00f3i quen, t\u01b0 duy c\u00f2n nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00e1 t\u1ebf nh\u1ecb kh\u00e1c, ch\u1eb3ng h\u1ea1n v\u1ea5n \u0111\u1ec1 thu\u1ebf.<\/p>\n

V\u1ec1 ph\u00eda NH, khi tri\u1ec3n khai thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, \u0111\u1eb7c bi\u1ec7t l\u00e0 qua th\u1ebb c\u0169ng \u0111\u1ed3ng ngh\u0129a khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng th\u1ebb. V\u00e0 nh\u1edd v\u1eady, NH c\u00f3 th\u1ec3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t kh\u00e1 t\u1ed1t v\u00e0 c\u00f3 th\u1ec3 sinh l\u1ee3i tr\u00ean \u0111\u00f3. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 \u00fd th\u1ee9c v\u00e0 s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c \u0111\u01a1n v\u1ecb ch\u01b0a t\u1ed1t. C\u00f3 th\u1ec3 l\u1ea5y th\u00ed d\u1ee5, vi\u1ec7c chi\u1ebft kh\u1ea5u thanh to\u00e1n cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb 0,1-0,2% \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00f3i \u0111\u1ebfn t\u1eeb l\u00e2u, nh\u01b0ng vi\u1ec7c tri\u1ec3n khai r\u1ea5t ch\u1eadm. Trong khi n\u1ebfu \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n qua th\u1ebb, k\u00eanh b\u00e1n l\u1ebb c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u chi ph\u00ed.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ch\u1ec9 ra m\u1ed9t t\u1ed3n t\u1ea1i l\u00e0 c\u00f3 nhi\u1ec1u li\u00ean minh thanh to\u00e1n nh\u01b0 Smartlink Card, VNBC\u2026 nh\u01b0ng vi\u1ec7c li\u00ean k\u1ebft v\u1edbi nhau h\u1ebft s\u1ee9c ch\u1eadm ch\u1ea1p. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra s\u1ef1 r\u1ed1i r\u1eafm. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng th\u1ebb l\u1ea1i ph\u1ea3i t\u00ecm hi\u1ec3u li\u00ean minh c\u1ee7a th\u1ebb n\u00e0y bao g\u1ed3m nh\u1eefng NH n\u00e0o.<\/em> Hi\u1ec7n t\u1ea1i, c\u00f4ng c\u1ee5 d\u1ec5 th\u1ea5y nh\u1ea5t \u0111\u1ec3 h\u1ed7 tr\u1ee3 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 c\u00e1c m\u00e1y c\u00e0 th\u1ebb. Nh\u01b0ng trong nh\u00f3m m\u00e1y c\u00e0 th\u1ebb c\u0169ng c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1. Ch\u1eb3ng h\u1ea1n, nhi\u1ec1u NH c\u00f3 thi\u1ebft l\u1eadp m\u00e1y c\u00e0 th\u1ebb d\u00e0nh cho th\u1ebb ATM c\u1ee7a m\u00ecnh t\u1ea1i c\u00e1c si\u00eau th\u1ecb, nh\u01b0ng m\u1ed7i NH l\u1ea1i m\u1ed7i m\u00e1y v\u00e0 si\u00eau th\u1ecb n\u00e0y c\u00f3 m\u00e1y c\u00e0 th\u1ebb c\u1ee7a NH n\u00e0y nh\u01b0ng si\u00eau th\u1ecb kh\u00e1c l\u1ea1i kh\u00f4ng c\u00f3, r\u1ed1t cu\u1ed9c ng\u01b0\u1eddi s\u1eed d\u1ee5ng ch\u1eb3ng bi\u1ebft ch\u1ecdn th\u1ebb n\u00e0o. M\u00e1y c\u00e0 th\u1ebb quen thu\u1ed9c h\u01a1n d\u00e0nh cho c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng (VISA\/Master Card) nh\u01b0ng nhi\u1ec1u n\u01a1i l\u1ea1i thu ph\u00ed khi thanh to\u00e1n b\u1eb1ng nh\u1eefng lo\u1ea1i th\u1ebb n\u00e0y thay v\u00ec khuy\u1ebfn kh\u00edch. C\u0169ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p NH t\u1eadp trung ph\u00e1t h\u00e0nh c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf, k\u00edch th\u00edch ti\u00eau d\u00f9ng b\u1eb1ng c\u00e1ch t\u1ea1o ra ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u1ea1i ki\u1ec3u nh\u01b0 “c\u00e0 th\u1ebb tr\u00fang th\u01b0\u1edfng” nh\u01b0ng l\u1ea1i b\u1ecf qu\u00ean th\u1ebb ATM.<\/p>\n

Th.s \u0110\u00e0o Trung Ki\u00ean b\u1ed5 sung: V\u1ec1 v\u1ea5n \u0111\u1ec1 th\u00f3i quen thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thi\u1ebft ngh\u0129 ngo\u00e0i vi\u1ec7c tuy\u00ean truy\u1ec1n, ph\u1ed5 bi\u1ebfn c\u1ea7n c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p ch\u1ebf t\u00e0i “m\u1ec1m” c\u0169ng nh\u01b0 vi\u1ec7c \u0111\u1ed9i m\u0169 b\u1ea3o hi\u1ec3m, nh\u1edd c\u1ea3 tuy\u00ean truy\u1ec1n l\u1eabn ch\u1ebf t\u00e0i, ch\u00fang ta \u0111\u00e3 th\u00e0nh c\u00f4ng. Ch\u00fang ta c\u00f3 th\u1ec3 quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ecba \u0111i\u1ec3m trong khu v\u1ef1c th\u00e0nh th\u1ecb. Ch\u1eb3ng h\u1ea1n, nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 b\u01b0\u1edbc v\u00e0o nh\u1eefng trung t\u00e2m th\u01b0\u01a1ng m\u1ea1i cao c\u1ea5p v\u00e0 mua s\u1eafm, ph\u1ea7n l\u1edbn \u0111\u1ec1u c\u00f3 m\u1ee9c thu nh\u1eadp kh\u00e1 v\u00e0 s\u1edf h\u1eefu th\u1ebb thanh to\u00e1n. N\u1ebfu \u00e1p d\u1ee5ng quy \u0111\u1ecbnh n\u00e0y v\u00e0o c\u0169ng kh\u00f4ng g\u00e2y qu\u00e1 nhi\u1ec1u phi\u1ec1n to\u00e1i nh\u01b0ng c\u00f3 th\u1ec3 t\u1ea1o th\u00e0nh “n\u1ebfp” \u0111\u1ec3 tri\u1ec3n khai r\u1ed9ng h\u01a1n. G\u1ea7n \u0111\u00e2y, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n B\u00ecnh c\u0169ng \u0111\u00e3 c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i quy\u1ebft li\u1ec7t trong vi\u1ec7c “quy ho\u1ea1ch” h\u1ec7 th\u1ed1ng th\u1ebb ATM. Ch\u1eb3ng h\u1ea1n s\u1ebd ti\u1ebfn h\u00e0nh thu ph\u00ed giao d\u1ecbch sau khi th\u1ed1ng nh\u1ea5t \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c m\u00e1y ATM tr\u00ean to\u00e0n qu\u1ed1c nh\u01b0ng m\u1ee9c thu ph\u00ed s\u1ebd theo l\u1ed9 tr\u00ecnh.<\/p>\n

V\u1ea5n \u0111\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng ch\u1ec9 g\u00f3i g\u1ecdn trong vi\u1ec7c t\u1ea1o k\u00eanh thanh to\u00e1n thu\u1eadn ti\u1ec7n, gi\u1ea3m t\u1ea3i cho m\u00e1y ATM v\u00e0 \u0111em l\u1ea1i l\u1ee3i \u00edch trong giao th\u01b0\u01a1ng. S\u00e2u xa h\u01a1n, nh\u1edd thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t t\u1ed1t d\u00f2ng ti\u1ec1n c\u1ee7a n\u1ec1n kinh t\u1ebf, t\u1eeb \u0111\u00f3 c\u00f3 nh\u1eefng ch\u00ednh s\u00e1ch v\u0129 m\u00f4 ph\u00f9 h\u1ee3p. Vi\u1ec7c nh\u1eadn di\u1ec7n nh\u1eefng \u0111\u1ed9ng th\u00e1i nh\u01b0 \u0111\u01b0a ti\u1ec1n b\u1ea9n v\u00e0o n\u1ec1n kinh t\u1ebf, r\u1eeda ti\u1ec1n hay t\u1ea9u t\u00e1n t\u00e0i s\u1ea3n c\u0169ng d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u.\/.<\/p>\n

———————————–<\/p>\n

B\u00e1o Th\u1eddi Nay 23\/02\/2012<\/em><\/strong><\/p>\n

Chuy\u00ean \u0111\u1ec1 c\u1ee7a B\u00e1o Nh\u00e2n D\u00e2n<\/em><\/strong><\/p>\n

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(TN) – N\u01b0\u1edbc ta hi\u1ec7n c\u00f3 kho\u1ea3ng 40 tri\u1ec7u th\u1ebb ATM do c\u00e1c ng\u00e2n h\u00e0ng (NH) ph\u00e1t h\u00e0nh, trong \u0111\u00f3 h\u01a1n 83% giao d\u1ecbch l\u00e0 r\u00fat ti\u1ec1n m\u1eb7t, h\u01a1n 16% c\u00f2n l\u1ea1i chuy\u1ec3n kho\u1ea3n v\u00e0 ch\u1ec9 ch\u01b0a \u0111\u1ea7y 1% \u0111\u1ec3 thanh to\u00e1n. Ngo\u00e0i vi\u1ec7c r\u00fat ti\u1ec1n, m\u1ed9t ch\u1ee9c n\u0103ng ti\u1ec7n l\u1ee3i c\u1ee7a th\u1ebb ATM l\u00e0 […]<\/p>\n","protected":false},"author":3,"featured_media":31776,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n284. 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