NH GI S N PHM

I.GII THIU V TH ATM: Th ATM l mt loi th ghi n c chc nng rt tin mt, chuyn khon, truy vn s d v thanh ton ha n . Tin ch: o Thanh ton ti cc VCNT(vit r ra) o Rt tin mt (VND) t ti khon c nhn tin VN hoc USD.(c rt c t tk USD k) o Kim tra s d ti khon. o In sao k cc giao dch gn nht. o Chuyn khon trong h thng Vietcombank(k nn cu ny v y l tin ch chung ca tt c ATM lun) o Thanh ton ho n dch v o in o Nc o in thoi tr trc v cc thu bao tr sau ca Vinaphone, Mobifone, Viettel v EVN o Ph bo him o Dch v tr tin trc o Mt s cc dch v khc II.NH GI: ATM em li rt nhiu li ch cho khch hng ,v th tng ngn hng khc nhau s c cch tnh ph khc nhau,hay ni cch khc, khch hng phi tr mt s tin trong mt thi gian khi s dng dch v ca tng ngn hng l khc nhau 1.nh Gi ngm: a)u im ca gi ngm so vi gi cng khai: + Li th ln nht l c li trong vic np thu v thu ch anh vo tin li nhn c t nhng khon tin gi cng khai nhng li khng b nh vo s li ngm m kh(nu vit tt nn vit in hoa) c tnh trong cc dch v min ph +khuyn khch v xc nh mi quan h tt vi kh, thu ht kh ln u giao dch vi nh b)Nhc im:

+ c chi ph ca ngi tiu dng v thu nhp ca ngn hng u nhy cm vi li sut. khi l sut gim, chi ph dch v ngm ca ngi tiu dng gim tng ng vi n l s gim thu nhp rng ca ngn hng, mc d chi ph cho vic cung cp dv khng gim.( hi kh hiu, rt d b hi) +ti mt mc li sut no s tin li m nh thu c t s d ti thiu ca kh s khng b p cho ton b chi ph cung cp cc dch v ti khon vng lai. + vic xc nh gi ngm lm cho vic cung cp cc dch v ca ngn hng tng ln v ngi tiu dng th s dng s dvnh nh nhng phng tin giao dch . iu ny lm cho chi ph chung ca ngn hng tng v s khng thnh cng trong vic tnh ph giao dch l s phn b khng hp l khi ngi tiu dng c cung cp cc dch v t tin nhng ph thu c th rt t + Khng khuyn khch ngi tiu dng hoc l tit kim s lng cc giao dch hoc l la chn cc giao dch c chi ph thp, v nu a ra ph cng khai, kh s bit c giao dch no c chi ph thp, giao dch no c chi ph cao, nh vy thng thng kh s chn nhng giao dch c chi ph thp, v do kh s gin tip tit kim chi ph cho ngn hng. tuy nhin (1 s NH hng hin nay ang nh gi cng khai, in hnh nh vietcombank

2) nh Gi cng khai: vd

nh gi cng khai l cc ph pht hnh th, ph giao dch ti cc trm ATM Trn thc t, vic cc nh tnh tin kh l nhm mc ch b p (t nht l 1 phn) chi ph m khch hng gy ra cho ngn hng khi h s dng cc sn phm, dch v ca ngn hng. Nhn chung cc nh ch ti chnh cn phi a ra cc mc gi ng vi mi sn phm, dch v v hp ng ca h sao cho n khng nhng trang tri cc chi ph hot ng m cn b p c ri ro (nu c). u im: o H nhm ti phn khc th trng m h nhm ti c nhu cu xi th ng vi mc ph cho vic s dng th m h nhm ti. o Vd: tr tin s dng th ban u (NH vietcom 50k, Sacombank 66k) o Gip doanh thu v chi ph c s cn i: o Vd: s tin rt ti a ln hn: agribank 5tr, 20tr/ng y

o Cc dch v cht lng hn nh s lng cc Pos rt tin nhiu hn, ph rng v cht lng my khng qu c gp cc vn trong khi rt tin, c s lin kt cht ch gia cc ngn hng. o VD: NH HSBC r t ti n kh ng t n ph t i c c tr m giao d ch Techcombank, ACB. Nhc im: Khng th khuyn khch kh n s dng dch v, cnh tranh v gi vi cc ngn hng khc vic cng khai gi cng c th cnh tranh c, cho khch hng thy c gi ca ngn hng mnh k cao m cn thp hn NH khc Gp kh khn trong vic nh gi cho tng i tng khch hng v d: Nu(b ch nu i cu vn s hon chnh hn) nh ch cho khch hng ng ph c nh hng thng v hng qu khng da trn vic h s dng ti khon ca mnh nh th no. Tuy nhin(b lun) iu ny s to nn s khng cng bng cho nhng khch hng vng lai, t s dng n dch v, hn na nh s gp kh khn trong vic d kin quy m, khi lng s dng tng dch v ca kh nn s c 1 s kh to ra nhiu ph tn cho nh nhng vn tr cng 1 mc gi o Nu nh tnh ph bin i theo kh khng th nh vy nhiu khi nh s li dng iu ny nh mc ph cao hoc ngn hng a ra mc ph ph hp nhng kh khng hiu c nh vy th rt ging mc ph ngm. do cc ngn hng cn c s linh hot hn trong vic nh gi nh khuyn khch kh s dng nhng hnh thc t tn km hn nh internet banking, c th trong hp ng s dng dch v, cho kh la chn cch nh gi v c th kt hp gia ng ph c nh v ph bin i cho tng khch hng, tng dch v 3.So snh vi cc ngn hng khc Thng tin v th ATM ca ngn hng ng Mc ph Min ph 0-50.000VND/nm Khng c 3.300VND/giao dch 550VND/giao dch 880VND/giao dch 1.650VND/giao dch 13.200VND/giao dch

Loi ph Ph m th Ph thng nin S d ti thiu Giao dch trn ATM: - Rt tin mt - Vn tin - In sao k - Chuyn khon ni b - Chuyn khon lin ngn hng

- Thng tin v th ATM ca ngn hng Vietinbank Biu ph dch v rt gn p dng cho sn phm th ghi n E-partner (C-card)

Loi ph Mc ph Ph pht hnh 50.000VND Ph qun l th theo thng 3.3000VND/thng S d ti thiu 50.000VND Giao dch trn ATM - Ph rt tin 3.300VND/giao dch - Ph vn tin, in sao k, chuyn khon 550VND/giao dch ni b - Thng tin v th ATM ca ngn hng Agribank Loi ph Ph pht hnh Ph pht hnh li th Ph thng nin Giao dch trn ATM - Ph rt tin - Ph chuyn khon cng h thng Agribank - Ph chuyn khon lin ngn hng - In sao k Mc ph 50.000VND 50.000VND Cha thu ph

1000VND/giao dch 0,03% s tin giao dch; Ti thiu 3.300/giao dch 0,05% s tin giao dch; Ti thiu 8.800/giao dch 550VND/giao dch Xu hng ca cc ngn hng nh ph cng khai chim t l ln III. Xu hng: Trong thi gian va qua, cc nh ch ti chnh trung gian c xu hng tnh ph cng khai nhiu hn v: Vic NHNN yu cu cc ngn hng xy dng biu thu ph dch v th l nhm cao tnh cng khai minh bch trong dch v th, tun th y cc quy nh ca php lut. iu 91, Lut Cc t chc tn dng cng quy nh rt r v vn ny. Thc t l cc ngn hng cng tin hnh thu nhiu loi ph t trc n nay ch khng phi by gi mi thu. Hn th na,cc ngn hng a phn s dng phng php nh gi c nh v nguyn nhn sau: o hon ton l bt hp l nu ngi tiu dng khng tr ph cho nhng dch v m h thc s s dng. Do , t nht h cng phi tr chi ph bin (chi ph thay i) cho dv s dng o S hi nhp v mc cnh tranh ngy cng cao ca cc ngn hng o Cc ngn hng phi nng ng xc inh mc gi hp l theo nn kinh t th trng,ngoi ra cn gy dng long tin ,long trung thnh ca khch hng o Khch hng s dng dch v ngy cng tr nn snh si hn o S xi mn long tin ca khch hng v s nhy cm vi gi ph

Tc dng: ( ci ny nn l nhn xt cch nh gi cng khai c hp l cha ch k phi nu tc dng) 1. i vi ngn hng: ( cch nh gi cng khai l hp l, NH hng no cng hot ng v li nhun, v th khi tnh ph NH s gim c chi ph, tng doanh thu, li nhun) - cn i c thu chi v to ra li nhun c th pht trin thm loi hnh sn phm a dng, cht lng hn cho khch hng, ng thi m rng thm chi nhnh, nhn vin phng giao dch cng s c o to chuyn su trong nghip v ln cch giao tip ng x vi khch hng. - Ngoi ra vi li nhun c c h c tin tr c tc cho cc c ng trong cng ty, - Vic nh gi ny gip cho h iu chnh cc mc ph hp l khng qu cao v c s tng i gia cc mc ph. V vy h s d dang gi chn khch hng v lu v di. - Dng thi nu c s iu chnh trong biu mc v mc ph, li sut th khch hng s cm nhn s thay i khng qu nhiu. 2. i vi khch hng: (c 1 s ph cha thc s hp l, nh ph rt tin. nu so snh li ch m NH nhn c vi li ch m khch hng nhn c hin nay th cha hp l) - Tm l ca h s cm nhn tin ca mnh s sinh li tuy t nhng vn c li khng k hn vi s tin c trong th, - Cc spdv phi tt v c nhiu li ch dnh cho KH nn khi h tin tng th khch hng s li lu hn vi ngn hng m m h tin tng. ( 2 ny hnh nh k hp l vi vic l gii cch nh gi c hp l hay k)