§Ò ¸n m«n häc MỤC LỤC I. TỔNG QUAN VỀ DỊCH VỤ NGÂN HÀNG ĐIỆN TỬ .4 1. LỢI ÍCH CỦA NGÂN HÀNG ĐIỆN TỬ 4 1.1 Khái niệm .4 1.2 Lợi ích 4  2.1 Khái niệm 6 2.2 Chức năng .6 3.3 Tác dụng của Phone Banking 8  3.1 Khái niệm 8 3.2 Chức năng .8 3.3 Tác dụng của Internet Banking .9 !"#$% 4.1 Khái niệm 9 4.2 Chức năng .10 4.3 Tác dụng của Mobile Banking .10 &'#() 5.1 Khái niệm 10 5.2 Chức năng .11 5.3 Tác dụng của Home Banking 11 II. PHÁT TRIỂN VÀ ỨNG DỤNG DỊCH VỤ NGÂN HÀNG ĐIỆN TỬ Ở VIỆT NAM 12 (*+,-.,/0#( 1.1 Nhà cung cấp dịch vụ 12 1.2 Khách hàng .16 ((1234354678( (934:3( ;<./ 2.1 Về dịch vụ Mobile banking .22 2.2 Cơ sở hạ tầng mạng viễn thông .23 2.3 Thói quen tiêu dùng 24 2.4 Thanh toán qua SMS tiện lợi nhưng thiếu an toàn 25 2.5 Các dịch vụ ngân hàng điện tử còn nhiều hạn chế 25 III. MỘT SỐ GIẢI PHÁP VÀ KIẾN NGHỊ NHẰM PHÁT TRIỂN DỊCH VỤ NGÂN HÀNG ĐIỆN TỬ Ở VIỆT NAM 26 (#"*=>,,-,/. 1.1 Đối với ngân hàng .26 1.2 Đối với khách hàng .29 #"*=<( 2.1 Kiến nghị với Ngân hàng Nhà nước Việt Nam .31 2.2 Đối với Cơ quan quản lý nhà nước 31 2.3 Đối với các Bộ, ngành khác 32 2.4 Đối với doanh nghiệp 32 2.5 Đối với người tiêu dùng 33 ( §Ò ¸n m«n häc  §Ò ¸n m«n häc LỜI MỞ ĐẦU  ?135@AB@CD354E3535EFGHIJ@K35LM63E1@N3584O6PA2H93 PBJJ4K5QRSG34T35J4234J193J4LM35UAFV3W6X3?234LJ?OJ6Y3R673 J41Z6GJ?OJ6Y33L[@GJ?OJ6Y33J\?3\JGJ?OJ6Y3HO146]PGJ6Y352CG4S2R^3 PA24E35G_]J4`@4673@9@41ZJRB35J4234J1933EF@9@34:3a6V3@b2 HLAR673G34:3a6V3HO146]PG_4E35J493584O6Rc3Jd354B562RQ34a6cJ 4S2R^3G546CDJ6Y3PEPe64B84O6J?OD6a[6@9@W1234354678J4Q J4LM35@SJE6f41O3g35:34E35GPe6hi3J4234J193J6Y3@41f49@44E35 42F34j3J6Y3Jdf49@44E35J4QW123435467884O6@k34:3a6V3Rc335:3 4E35@b2PQ34R]hEP@9@J4bJl@34L?mJJ6Y3G@4AF]3J6Y3G_#BJ35EFG PBJJAi3GPBJJ4935W1234354678@S?IJ346YA4n8Ro3542F5621Wp@4W6X3 ?2aQajF34:3a6V384O6R6R6hZ6hZ656T235:34E35aEW1234354678JD3?IJ 346YAJ4M65623aE@q35CK@#rJf49@W1234354678f4q35J4\1Ws6RLn@ @9@J4q35J63aYJE6f41O3Ght6CAIJGJu569_PBJ@9@4J4LM35UAFV3aQC` h6V3hZ@56T2W1234354678a[635:34E35f4q3584O6hm@3E1@N35J4Aj3 hn6 5:34E35R673JkRtJ?gJ4E34UAJ4c84vH6c3J?V3J4c56[6aEJIJ 346V3G67J2Pf4q35J4]3wP351E65Ao35xA2F3EF5:34E35R673Jk Cy56m8f49@44E35J4234J19334T35f41O3J6Y3J?V3PBJ@9@434234 @4S35GJ4Aj3J6734^3G56m8f49@44E35J6cJf67PJ4M65623G@4684zaE@q35 CK@ {AIJ849JJdR6YARS\PRth`2@4|3RYJE6} “ Phát triển dịch vụ ngân hàng điện tử ở Việt Nam trong điều kiện hội nhập kinh tế quốc tế”. YJE63EF3546V3@KA34T35aI3RYJv35xA9JaY@9@Wp@4al35:34E35 R673JkGC`849JJ?6]3@b2Wp@4al35:34E35R673Jkg67J2PG@AD6@~35 hEPBJCD56O68498@N3534Lf6c3354pR]3:35@21@4IJhLn35Wp@4al 35:34E35R673Jkg3L[@J2J?135J4M65623J[6  §Ò ¸n m«n häc I. TỔNG QUAN VỀ DỊCH VỤ NGÂN HÀNG ĐIỆN TỬ 1. 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Dịch vụ ngân hàng qua Internet ( Internet Banking) 3.1 Khái niệm 3J\?3\J23f635hEPBJh1Z64Q34Wp@4al35:34E354673RZ6@4184‚8 f49@44E35@SJ4]5621Wp@435:34E35J4q35xA2PZ353J\?3\JaE1HIJ@K hm@3E1GgHIJ@KR:APEf49@44E35@41hE84~4n834IJ1RSGf49@4 4E35@SJ4]hEP5621Wp@4!56MJ?13535EFGˆ35EFJ?135JAi3JZ634E ?6V3541r@ga€384‰35Gf46R235J?1353L[@42FR63L[@351E6 ]CkWl35Wp@4al3J\?3\J23f635f49@44E35@i3@SP9FJz34G P1W\PGRLM35R673J41Z6J?AF@j846CkWl35Wp@4al3EFGf49@44E35 f4q35@i3@E6RrJJ4VPPBJ84i3PYPRr@H67J3E1PE@4†@i3J?AF@j8 J?`@J6c8aE1J?235•\H@b235:34E35 3.2 Chức năng 3J\?3\J23f63556m8f49@44E35@SJ4]} ƒ{\PJ4q35J63aY@9@5621Wp@4RtJ4`@4673J?V3JE6f41O3 ƒ6]PJ?2CDWL §Ò ¸n m«n häc ƒ4AF]3J6Y356T2@9@JE6f41O3J?135@~3547J4D3535:34E35 ƒ{\PJ4q35J63aYJE6f41O334LCDWL4673JZ6@A??\3JH2h23@\CaECD WL@SJ4]CkWl352a26h2Hh\H2h23@\C•ht6CAIJ_ ƒQPf6cPJ4q35J63aYPBJ5621Wp@4@lJ4]3E1RSGazWl}CDC‚@GCD J6Y3aE35EFC‚@RSRLn@J4234J193_ ƒ$EPh734J4234J193 ƒ4234J193419R^3 ƒ{\PCDWLaE@9@5621Wp@4J?V3J4‹Jz3Wl35 ƒŽVA@iA35d35J4234J193C‚@ ƒ{\P@46J6cJaECk2Rv6@9@h734J4234J193Rp34fŠCJ23W6351?W\?C aEh7345463nJ?`@J6c86?\@J\H6J ƒ4q35H91J42FRv6Rp2@4†h6V3hZ@_ ƒ4q35H91Rp34fŠHw35\ƒP26hf46CDWLJE6f41O3RZJRc3PK@JD6R2 42FJD6J46]APEf49@44E35RrJ?2JdJ?L[@ ƒ4AF]3@9@J4q35J63WTh67AJd63J\?3\JH23f635UAD3584i3PYPfc J193?6V35@b2PQ3434LA6@f\342F#6@?1C1•J#13\F_ 3.3 Tác dụng của Internet Banking :FhEPBJh1Z64Q34Wp@4al35:34E354673RZ6aE@‰3f49P[6P‹*` ?2RM6@b23J\?3\J23f635J4`@C`hEPBJ@AB@@9@4PZ35G3SJ4m@R„F @9@5621Wp@4UOF?2342344^3GJ6cJf67PRLn@?IJ346YAJ4M65623aEJ6Y3 @b2@41@Of49@44E35hŒ335:34E35aE@41Ut4B63S6@4A35 4. Dịch vụ ngân hàng qua điện thoại di động (Mobile Banking) 4.1 Khái niệm % §Ò ¸n m«n häc #1H6h\23f635hEPBJh1Z64Q34Wp@4al@b235:34E35R673Jk@41 84‚8f49@44E35@SJ4]3‘PH‘JRLn@J4q35J63aYJE6f41O3@b2PQ34aE @9@J4q35J6335:34E35f49@xA247J4D35J6334‘3J?V3R673J41Z6W6RB35 4.2 Chức năng ƒ4q35J63aYJE6f41O3}f49@44E35Cy34j3RLn@J4q35J63aYJE6 f41O3352FC2Af46JE6f41O3RLn@@4z34J4K@546S41r@546n ƒ4q35J63aY5621Wp@4@AD6@~355i334IJ}f49@44E35@SJ4]FVA@iA J4q35J63aY5621Wp@4@AD6@~35PEPQ34J4`@4673J?135f41O35J4M65623 )J4935 ƒ4q35J63aYJ†5694D6R196Ght6CAIJG569@Of49@44E35@SJ4]FVA @iA35:34E355k6J63J4\1Ji3CAIJ4E3535EFG4E35JAi3G ƒ4`@4673@9@5621Wp@4@4K35f4193G34ERIJG ƒ4`@4673J4234J193J6Y3R673J41Z6GJ6Y3R673G3L[@ 4.3 Tác dụng của Mobile Banking [6#1H6h\23f635Gf49@44E35CyJ6cJf67PRLn@J4M65623aE@4684zG @SJ4]H6cJJ4q35J63aYJE6f41O3@b2PQ34P|6hm@GP|63^6GJ4`@4673@9@ 5621Wp@4PBJ@9@434234@4S35@4†@i3J4q35xA247J4D35J6334‘3J?V3 R673J41Z6W6RB354q35J63PEf49@44E3534j3RLn@?IJ8413584maE @SJ673z@4@21 5. 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