Hoàn thiện dịch vụ thẻ thanh toán của Ngân hàng Nông nghịêp và phát triển nông thôn Việt Nam

NGTTIlN cflu TRAO Bdi So 8(73)/2009

Hoan thien dich vu the thanh toan cua • • • r,

Ngan hang Nong nghiep va Phat trien

nong thon Viet Nam

ThS. PHAN THI BACH TUYET

Thue trang djch vu the cua

Agribank.

Vi phdt triin sdn pham the

Cac san pham the eiia Agribank

hien gdm cd 4 ddng the : The ghi ng

ndi dja Sucees, the tin dyng ndj dja,

the ghi ng qude te Visa, the tin dyng

qude te Visa.

- The ghi na noi dia Success:

Thang 6/2005 Trung tam the

Agribank da thir nghiem thanh

cdng va chmh thire trien khai the

ghi ng ndi dia Success tren eg sd

phat trien them cac chiic nang eiia

the ATM nham dem lai sy thuan

tien eho khach hang dang sir dyng

the ATM. Vdi mau ma don gian,

phil hgp vdi mpi ddi tugng khach

hang, the Success ciia Agribank

budc dau dugc djnh vj tren thj

trudng. Cac djch vy dg the Success

cung cap bao gdm: Riit tien mat,

thanh toan hang hoa djch vy, ddi

pui, in sao ke nit ggn, van tin sd du

tai khoan, chuyen khoan, thau ehi.

Vdi han mirc nit tien trong ngay len

tdi 25 frieu ddng, khdng gidi ban sd

lan riit tien. Han mirc chuyen khoan

trong ngay 20 tripu ddng, dac bipt

cho phep thau chi tdi da 30 trieu

ddng trong trudng hgp tai khgan

ciia ehii the het tien. The Success da

dan trd nen quen thude va gianh

dugc sy chit y eua khach hang.

Lugng the dugc phat hanh ed mue

tang trudng vugt bae trgng nhirng

nam gan day. Trong giai doan

2005-2008, tdc dp tang trudng the

Sucees binh quan 130%)/nam.

Doanh sd giao djch tang rat

nhanh. Cy the: nam 2006, doanh sd

giao dich binh quan the/ thang la

6.365 trieu ddng tang 117%) so vdi

nam 2005, nam 2007 edn sd nay

tang len den 10 trieu ddng, tang

57% so vdi nam 2006 va nam 2008

tang 45%oso vdi nam 2007 vdi

doanh sd giao djch binh quan the/

thang la 14,5 trieu ddng. Tdng sd du

tren tai khoan the ciing cd xu hudng

ngay cang tang len qua cac nam.

Nam 2005, tdng sd du tren tai

khoan the la 342,7 ty ddng, nam

2006 tang len den 600 ty ddng, nam

2007 con sd nay dat 1.500 ty ddng

va nam 2008 la 2.292 ty ddng. Rd

rang la thdng qua viec phat hanh the

Success, Agribank da khai thac

ngay cang tdt hon ngudn von nhan

rdi vdi chi phi re cho cae boat ddng

kinh doanh cua minh.

Tu mdt cai ten rat md nhat tren thj

trudng the,vdi tdc dd tang trudng

vugt bae ve lugng the phat hanh

trong may nam gan day, nam 2008

Agribank da gianh vj tri thir 2 trgng

sd 40 ngan hang tham gia tren thj

Uardng the npi dja, chilm 14,3%) thi

phdn sau VCB vdi 19,2%o thj phdn.

- The tin dung noi dia:

The tin dyng ndi dja duge

Agribank bat dau trien khai tit thang

10/2004, la phuong tien thanh toan

cd ban mirc tin dyng nhat dinh dimg

de thanh toan tien hang hoa, djch vu

hoae img tien mat tai cac don vj

chap nhan the trong pham vi lanh

thd Viet Nam. Hien tai, the TD ndi

dja do Agribank phat hanh gdm 3

hang: Hgng vdng dimg eho mpi ddi

tugng KH, ban mire tm dyng tdi da

10 trieu ddng; Hgng bgc cd han

miic tm dung tir 10-50 trieu ddng

va Hgng chudn dimg cho khach

hang truyen thdng , khach hang cd

thu nhap cao vdi han miic hi 50-

100 trieu ddng.

Viec phat hanh va thanh toan the

tin dyng (TD) ndi dja cua Agribank

trong nhirng nam qua gap khdng it

khd khan, tdc dp tang trudng the TD

ndi dja giam ddn ca ve sd lugng the,

doanh sd giao djeh va du ng: Nam

2005 phat hanh duge 1.004 the, nam

2006 tang them gdn 300 the, tinh din

31/12/2008 sd the TD npi dja ciing

chi dat 1.642 the. Tuong tu, doanh

sd giao djch ciing tang trudng khdng

dang kl: nam 2006, tang 14% so vdi

nam 2005, nam 2007 tang 17,9% so

vdi 2006 va nam 2008 chi tang

3,14% so vdi nam 2007.

- The qude te Visa:

Ngay 01/09/2008, Agribank

ehinh thirc phat hanh rpng rai the

qude te Visa vdi 2 ddng the la The

ghi ng quoc te (Agribank Visa

Debit- Success) va the tin dung

quoc te (Agribank Visa Credit￾Golden Key) vdi ban mirc tm dung

len tdi 300 trieu ddng. Theo dd,

khach hang cd the sir dung the de

nit/ img tien mat va cac djch vu

khac tai hon 1 trieu may ATM tai

Viet Nam va the gidi; thanh toan

tien hang hoa, dich vy tai hon 30

4 6 Tap chi nghien cflu tai chinh he toan