Nng cao kh nng cnh tranh ca h thng ngn hng trong hi nhp

nng cao nng lc cnh tranh ca ngn hng, bn cnh vic i mi cng ngh ngn hng, th s thnh cng ca ngn hng chnh l s hoch nh chin lc pht trin ng hng, ph hp vi xu th pht trin

(VOV)_ K t ngy 1/4/2007, cc ngn hng nc ngoi c php thit lp s hin din thng mi ca mnh ti Vit Nam di cc hnh thc nh: vn phng i din, chi nhnh ngn hng thng mi, cc ngn hng thng mi lin doanh vi nc ngoi c vn nc ngoi di 50% vn iu l, cc cng ty cho thu ti chnh lin doanh, cc cng ty ti chnh cho thu 100% vn nc ngoi v ngn hng 100% vn nc ngoi... Vi cc li th v ti chnh, sn phm, dch v, qun tr, cng ngh v kinh nghim quc t, cc ngn hng nc ngoi l nhng i th cnh tranh rt ln trn th trng. l ng lc tt, to p lc cho cc ngn hng trong nc ch ng u t cng ngh. Tuy nhin, mi ngn hng cn ch trong vic nng cao kh nng cnh tranh, chun b cho hi nhp.

Cho n nay, h thng k thut cng ngh ngn hng tr thnh cng c phc v hiu qu cho cng tc qun l, iu hnh ca cc ngn hng thng mi trong thc thi chnh sch tin t, tn dng. cng l gii php gip cc ngn hng thng mi hot ng kinh doanh mt cch an ton v hiu qu. Xt v s a dng, cc ngn hng thng mi trong nc v ang cung ng y cc nhm sn phm, dch v bao gm: nhm sn phm tin gi, nhm sn phm tin vay, sn phm th nh th tn dng, ghi n quc t, ni a, cc sn phm th lin kt, dch v chuyn tin, sn phm ngn hng in t

nng cao nng lc cnh tranh ca ngn hng, nhiu kin cho rng, bn cnh vic i mi cng ngh ngn hng, th s thnh cng ca ngn hng chnh l s hoch nh chin lc pht trin ng hng, ph hp vi xu th pht trin. iu ny ch c c khi cc ngn hng nm c thng tin y v cng ngh mi, xu hng pht trin, v c bit l kinh nghim ng dng ca cc nc trn th gii. ng Nguyn Trng Hi Hong - Tng gim c Cng ty CFTD, cho rng, cc ngn hng Vit Nam c th gi th trng ca mnh da trn cc yu t sau: Th nht cc ngn hng phi p dng cng ngh h tr cho khch hng. Cn u t vo cc gii php qun l quan h khch hng, c th nh gi khch hng tt hn. Tip theo l cc gii php lin quan n yu t ri ro. Cc ngn hng phi p dng cc gii php phn mm nng cao kh nng qun l ri ro ca mnh.

V mt s lu i vi cc ngn hng Vit Nam trong qu trnh cnh tranh hi nhp, ng AnslemDe Souza - Tng gim c Cng ty Callatay& Wouters cho rng, cc ngn hng phi quan tm hn na n cc gii php thu ht khch hng, tng c s lng khch hng s dng dch v. Mi ngn hng cn bit nhu cu ca khch hng cung cp cho h cc dch v ph hp. Mt vn na ngn hng rt cn ch l cht lng dch v. Mun lm tt iu , ngn hng cn phn on th trng t c cng ngh ph hp Theo ng AnslemDe Souza, yu t thnh cng chnh i vi mi ngn hng l phi xc nh th trng mc tiu r rng; thnh lp h thng thng tin khch hng tt; qun l chi ph hiu qu v bn cnh , phi c c s h tng cng ngh thng tin tt. Cc ngn hng cn quan tm n vic o to k nng, kin thc cho nhn vin h c th lm vic hiu qu.

Nm nay l nm th 2, ngnh ngn hng trin khai k hoch ng dng v pht trin cng ngh thng tin v l nm u tin thc hin giai on 2 ca d n Hin i ho ngn hng v h thng thanh ton. Nm nay cng l nm bt u thc hin Ngh nh ca Chnh ph v giao dch in t trong hot ng Ngn hng. Vic y mnh thc hin cc gii php v cng ngh to ra s chuyn bin ln v hiu qu hot ng ca cc ngn hng ni chung. V s ch ng ca ngn hng trong hi nhp, b Nguyn Th Tm, Ph Tng gim c Ngn hng Ngoi thng Vietcombank nhn mnh, vic ng dng cng ngh thng tin l cha kho vng cung cp cc sn phm dch v ngn hng hin i ti cc doanh nghip cng nh nn kinh t. Ngay t cui nhng nm 90, Vietcombank u t cng ngh thng tin. C th l d n phn mm ngn hng li (core Banking). y l d n tin Vietcombank cung cp cc nghip v hin i v tt nht n khch hng. Sau ny Vietcombank c u t thm d n hin i ho h thng thanh ton ca ngn hng.

Ti chnh - ngn hng l mt trong nhng lnh vc c m ca mnh nht ngay sau khi Vit Nam gia nhp T chc Thng mi Th gii (WTO). Theo cam kt gia Vit Nam v cc nc thnh vin, t nay n nm 2010, cc ngn hng nc ngoi s c php thc hin hu ht cc dch v ngn hng nh mt ngn hng trong nc (tr dch v t vn v cung cp thng tin ngn hng). y l thch thc, nhng cng l c hi mi ngn hng khng ngng t hon thin mnh, trong c vic nng cp c s h tng cng ngh thng tin, m rng dch v ngn hng theo hng tin ch, tng cng kh nng phng chng ri ro./. Thu Phng Ngun : VOV