Cu moi dau thang hoac cuoi thang, khong it nguoi nhan luong qua the lai phai chay vong vong de co the nhan luong tu may ATM.

Tinh trang nay la do cac ngan hang (NH) chi quan tam phat hanh the chu it dau tu them may ATM.

>> Nhan luong qua tai khoan: Con vat va qua!
>> Sao lai nap tien khong du tieu chuan luu hanh vao may ATM?
>> Noi kho linh luong qua may ATM
>> Nhan tien tu ATM, chung toi can giai phap!
>> Cam co the ATM de song qua ngay!
>> Su co may ATM: Sao phai cho den hai tuan?
>> Hai tuan la thoi han toi da

Vung xa it may ATM

Anh Khoa - nha o Q.2, TP.HCM, mot trong nhung khach hang nhan luong qua tai khoan Vietcombank - cho biet ngai nhat la rut tien vao ngay cuoi thang vi luong may ATM trong lien minh the cua Vietcombank tai Q.2 qua it. Chua ke khong phai luc nao may cung hoat dong suon se. Nhieu luc di tu nha o khu vuc P.Binh Trung Dong den noi dat may ATM o Metro An Phu thi phat hien may bi su co khong giao dich duoc. Chay den may khac dat tai Thao Dien phai xep hang rat lau.

Theo ong Le Huynh Ha - truong phong the Vietcombank - tren dia ban TP.HCM, so luong may ATM cua Vietcombank va cac NH khac trong lien minh khoang 360 may, trong do rieng cac chi nhanh Vietcombank khoang 300 may. Phan lon so may nay lap dat o khu vuc trung tam.

Tai Q.2, Vietcombank chi co ba may ATM dat tai Metro An Phu, sieu thi An Phu va Cong ty Cat Loi. Ngoai ra, khach hang Vietcombank tai Q.2 chi co the rut tien tai hai diem khac la NH VIB Bank tai duong Tran Nao va ATM cua NH MB tai cang Cat Lai. o Q.9, khach hang cung chi co hai su chon lua khi rut tien ATM Vietcombank tai Co-op Mart Thu Duc va ATM cua NH VP Bank tai Benh vien Q.9. Nhung dia ban xa hon nhu Cu Chi, Nha Be, Vietcombank chua lap ATM vi vay khach hang chi co the rut tien tai may cua NH SouthernBank va Saigonbank dat tai huyen Cu Chi.

Voi lien minh VNBC, luong may ATM dat tai cac quan xa trung tam cua DongA Bank va cac NH trong lien minh co kha hon. Q.2 co 11 may ATM, trong do DongA Bank lap 10 may, mot may con lai thuoc MHB. Q.Binh Tan co 15 may rut tien cua VNBC, trong do hai may cua Saigonbank, con lai cua DongA.

Lam the nhung it sam may

De tan dung ha tang san co, nhieu NH da lien ket lai voi nhau thanh lap nhung lien minh thanh toan. Hien toan thi truong co bon lien minh the lon la lien minh VNBC (DongA Bank, MHB, Saigonbank, Habubank), lien minh Smartlink gom 20 thanh vien (Vietcombank, VIB Bank, VP Bank, OCB, Eximbank, MB...). Lien minh Banknetvn do Agribank chu tri da ket noi duoc bay ngan hang la Agribank, BIDV, Saigonbank, Viettinbank, ABBank, MHB, Habubank. Ngoai ra con co lien minh the giua Sacombank va ANZ.

Tuy nhien, do dau tu khac nhau nen qui mo he thong cua moi NH cung khac nhau. Lien minh Smartlink co 1.700 may ATM va 3 trieu the thi Vietcombank da chiem het 1.100 may va 2,5 trieu the. Gan 20 NH con lai "chia nhau" 600 may va 500.000 the. Lien minh VNBC, DongA Bank co 752 may ATM va gan 2 trieu the trong tong so 926 may va gan 2,2 trieu the cua lien minh. Lien minh Banknetvn co khoang 3.000 may ATM, trong do phan nhieu nhat van thuoc ve Agribank.

Theo ba Nguyen Tu Anh - giam doc Cong ty co phan Dich vu the Smartlink: "Rat nhieu NH tham gia vao lien minh chi phat hanh the va de khach hang su dung he thong may ATM cua nhung NH trong lien minh chu khong dau tu may".

Them 5.000 the, lap them mot ATM

Ông Huynh Song Hao, pho giam doc Vietcombank chi nhanh TP.HCM, cho biet so may ATM duoc lap dat moi nam cua Vietcombank tang trung binh 40%. Muc tieu phat trien may ATM ra cac vung xa trung tam bi vuong boi nhieu ly do nhu: thieu duong truyen, van de an ninh... nen chi dat may tai chi nhanh NH hoac UBND phuong, xa.

Tong giam doc Ngan hang Dong Á (DongA Bank) Tran Phuong Binh cho biet dang tien hanh lap mot luong lon may ATM tai cac tram xang, noi co dong nguoi qua lai. Dong thoi day nhanh viec lap dat may tai nhung vung xa nhung co luong nguoi su dung the lon nhu cac khu cong nghiep, thuc day cac NH trong lien minh mo rong viec lap dat may.

Ngoai ra, de khac phuc tinh trang thieu may, lien minh Smartlink dua ra qui chuan cu moi 5.000 khach hang tang them, NH thanh vien phai lap dat them mot may ATM.

Theo ba Nguyen Tu Anh, muc dich cua viec chi tra luong qua tai khoan la khuyen khich thanh toan khong dung tien mat. Tuy nhien, de giu cho tien khong chay ra khoi NH ngay sau khi cong ty tra luong, ngoai viec phuc vu tot khau chi tra, NH phat hanh the phai dau tu manh hon cho khoan dich vu sau khi tra luong nhu mo rong diem thanh toan, chap nhan the cung nhu dich vu tren may rut tien... Va do cung la trach nhiem xa hoi cua NH phat hanh the.

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