MINISTRY OF EDUCATION AND TRAINING
THUONGMAI UNIVERSITY
-------------------------
NGUYEN THI NGOC DIEM
STATE MANAGEMENT OF NON-CASH PAYMENT
SERVICES IN DOMESTIC PAYMENT OF
VIETNAM’S COMMERCIAL BANKS
Major : Economic Management
Code : 62.34.04.10
SUMMARY OF DOCTORAL THESIS IN ECONOMICS
Hanoi, in 2018
The Thesis was completed at the Vietnam University of
Commerce
Supervisor:
1. Assoc. Prof. Dr. NGUYEN THI PHUONG LIEN
2. Dr. NGUYEN THI HAI HA
Reviewer 1: ............................................................................
.......................................…………………………………………
Reviewer 2: ............................................................................
.......................................…………………………………………
Reviewer 3: ............................................................................
.......................................…………………………………………
The Thesis will be protected before the Thesis Evaluation Council in the University
level at
……………………….……..………………………………………
At…... hour.…date…..month…..year ………..
The Thesis can be found at:
National Library
Library of Vietnam University of Commerce
LISTS OF PUBLISHED WORKS
1. Nguyen Tran Hung and Nguyen Thi Ngoc Diem
(2016), “Develop the payment of electronics invoices in
Vietnam”. Journal of Trade Science, no. 94 (2016), 3-12.
2. Nguyen Thi Ngoc Diem (2016), “State management
of non-cash payment services in Vietnam in the process of
international economic integration”. International Scientific
Conference “Vietnam's economic development in the
process of international integration” Vietnam University of
Commerce, in 2016, 962 – 974.
3. Nguyen Thi Ngoc Diem (2017), “Current status of
infrastructure for non-cash payment of Vietnam’s
commercial banks”. Journal of Industry and Trade, no. 7 in
June (2017), 402-307.
INTRODUCTION
1. The urgency of thetheme
Payment of commercial business in the socio-economy in
general, through the system of commercial banks in particular, has
been proving its indispensable role in socio-economic activities.The
modern payment system of the economy quickly and fully reflects
the socio-economic activities which are represented by cash flows
from operations arising until the ending of the settlement of each
transaction. The bottlenecks at any stage of the payment process
will lead to delays, adversely affect operations, even lead to
systemic insolvency and it threatens to destabilize the economy -
society. Moreover, the damage, loss in commercial business
payment is not small.Therefore, the state management of
commercial business payment in the domestic payment of
commercial banks is more important than ever.
However, state management of this service is facing many
difficulties due to the rapid development of information
technology and the link between commercial banks on the
technology platform. The rapid development of technology can
lead to the outbreak of commercial business payment services,
it creates conditions for customers to use new payment services
with higher utility but can also cause risks to payment systems in
commercial banks in general and risks to customers in
particular.
At present, there are not many in-depth studies on state
management of commercial business payment services in the
domestic payment of Vietnam’s commercial banks. In that context,
the Thesis is addressed with the theme "State management of
non-cash payment services in domestic payment of commercial
banks in Vietnam" it contributes to resolving the limitations and
problems in state management of commercial business payment
services in domestic payment of Vietnam’s commercial banks in
order to boost payments in the social economy in Vietnam
efficiently, contribute to stable currency circulation.
2. Purposes and tasks
Study's purposes:
May propose solutions and recomendations based on
scientific and practical basis in order to improve the state
management of commercial business payment services of
Vietnam’s commercial banks.
Tasks:
To achieve the purposes, the thesis sets out specific tasks:
- Systematize a number of basic theoretical issues related to
commercial business payment services and state management
of commercial business payment services in domestic payment
at commercial banks.
- Study the experiences of developed and developing
countries, on that basis we can draw the necessary lessons for
Vietnam in providing services and managing the development of
commercial business payment services.
- Analyze and assess the state management situation of
commercial business payment services in the context of
renovation in Vietnam.
- Propose orientations and list solutions to improve the state
management of commercial business payment services in
Vietnam.
3. Objects and scope of the study
Objects of the study
The theoretical and practical basis of the state management
of commercial business payment services in domestic payment
of commercial banks.
Scope of the study
Content: The Thesis focuses on the state management of
the State Bank of Vietnam for commercial business payment
services in domestic payment of Vietnam’s commercial banks at
the macro level.
Managed object: The Thesis focuses on management
activities of the main objects - central bank, state bank.
Space: The Thesis focuses on the state management of
commercial business payment services of Vietnam’s commercial
banks.
Duration: The Thesis will study the state management of
commercial business payment services of Vietnam’s commercial
banks in the period of 2012 - 2017; The solutions and
recommendations will be applied for the period from now to
2020 with a vision to 2030.
4. New contributions of the thesis