Core Banking l g ?Tm hiu v Core Banking - khi nim v ngn hng li ... y l 1 thut ng thng c nhc n hin nay trong hu ht cc ngn hng. Bn thn mnh, khi tm hiu v ti ny cng c nhiu im cha r, c th l "Core Banking l g ?" "N ch l 1 phn mm h thng thc hin cc nghip v thng thng thi phi khng ?" ... "V ti sao cc ngn hng ua nhau mua hay xy dng cho c core banking ?"...v..V... Trc vic ng dng ngy cng nhiu cng ngh hin i trong giao dch thng mi in t, khi nim v core banking (ngn hng li) thc ra vn cn kh mi m vi nhiu ngi, c bit vi khch hng trong nc. Theo nh ngha ca nhiu cn b nghin cu trong ngnh ngn hng v ca cc thy gio Hc vin Ngn hng th c th hiu ngn hng li (core banking) l mt h thng cc phn h nghip v c bn ca ngn hng nh tin gi, tin vay, khch hng Thng qua , ngn hng pht trin thm nhiu dch v, sn phm v qun l ni b cht ch, hiu qu hn. V bn cht y l h thng phn mm tch hp cc ng dng tin hc trong qun l thng tin, ti sn, giao dch, qun tr ri ro trong h thng ngn hng. V c im, core banking chnh l ht nhn ton b h thng thng tin ca mt h thng ngn hng. H thng thng tin y bao gm thng tin v tin, ti sn th chp, giao dch, giy t, s sch k ton, d liu my tnh v h thng thng tin (core banking)... Tt c cc giao dch c chuyn qua h thng core banking v trong mt khong thi gian cc k ngn vn duy tr hot ng ng thi x l thng tin trong sut thi gian hot ng, hay c th ni Core Banking l h thng tp trung ha d liu bt c ni u, hay lc no. C s d liu ca ngn hng c qun l tp trung theo quan h v theo module: tin gi, thanh ton quc t, chuyn tin, ti tr thng mi, cho vay, thm nh, ngun vn, Internet Banking nng cp h thng cng ngh thng tin ca ngn hng c th thay i module theo nghip v ngn hng hoc thay i theo gii php phn mm. Hu ht cc h thng core banking hin i u hot ng khng ngng (24x7) cung cp Internet banking, nhng hot ng giao dch ton cu thng qua ATM, Internet, in thoi v debit card. C th thm nh ngha tham s to sn phm mi thay v sa thng vo code chng trnh, v nhiu chc nng khc ty theo loi h thng Core banking cng nh s iu chnh ca ngn hng trin khai.

Li ch ca ng dng core banking c nhn thy r nht l trong xu hng hin i ha cng ngh ngn hng v s hi nhp quc t hin nay. Khi u t vo core banking tnh bo mt thng tin cao hn, hch ton s sch chng t k ton thun tin hn. Nhng li ch mang li ca mt core banking hin i biu hin trong khai thc sn phm, dch v c v s lng v cht lng. C th thy, nhiu phn mm mi cn cha tham s rt ln mi khi ngn hng mun pht trin mt dch v, sn phm s d dng hn, ch cn nh ngha tham s l c th to sn phm mi m khng phi sa thng vo code ca chng trnh. H thng T24 c th t ng ha lch trnh cng vic, phc hi nhanh cc yu cu ca khch hng, c th thc hin ti 1.000 giao dch/giy, qun tr ti 50 triu ti khon khch hng v h tr thc hin giao dch qua h thng 24h/ngy. Ngoi ra, nh c core banking m vic qun l ni b cht ch, hiu qu hn. Trc y, khi cc ngn hng cha c core hin i hoc dng core li thi, vic qun l khch hng rt ri rc v v cng bt tin cho khch hng. Tin gi u, phi n , khng th rt im giao dch khc, mc d cc im ny u trong cng h thng mt ngn hng. Thm ch khch hng mun giao dch bao nhiu im th phi m by nhiu ti khon. Vi s ra i ca core banking hin i, khch hng ch cn c mt m duy nht ngn hng l c th giao dch vi rt nhiu sn phm, v bt c im giao dch trong cng hoc khng trong cng mt h thng. c bit, tin ch ca core banking l c th qun tr ri ro tt hn nh gip ngn hng qun tr ri ro th trng, qun l ri ro tn dng, thanh khon v tc nghip vi nhiu mc qun l khc nhau. Bn cnh nh s u vit tp trung ha ca Core banking m c th nng cao vic qun l ti khon khch hng v cung cp dch v khch hng. Tuy nhin, yu cu ca vic trin khai core banking hay vic hin i ha ngn hng cn c khng t kh khn. Mt core banking hin i phi p ng vic qun l cht ch, y , vn hnh nhanh v p ng tnh m khi Ngn hng mun trin khai thm mt s dch v khc na (Mobile Banking, Internet Banking, ATM ) chnh v vy ngoi vic i

hi mt lng vn ln u t trin khai Core Banking th cn nhiu nhn t khc trong vic trin khai h thng cng ngh thng tin hin i. Theo Tin s Nguyn Quang A, Vin trng Vin Nghin cu Pht trin IDS H Ni, h thng core banking mi phi tha mn yu cu qun l ca Ngn hng nh nc. Quy trnh nghip v t ngn hng rt xung cc ngn hng thng mi nhiu lc khng tng thch vi h thng core banking ca cc ngn hng, nht l cc ngn hng nc ngoi. V d khi phn loi ti khon, c nhng loi th phn loi theo tin, c nhng loi th gp chung. Vi h thng ti khon nc ngoi l a t v ch cn mt ti khon c th p dng vi nhiu ngoi t khc nhau, nhng Vit Nam, h thng ti khon, mu bo co thng thay i v cc core banking nc ngoi rt kh p ng. Trong bi cnh Vit Nam l thi quen s dng tin mt rt ph bin, cng vi h thng h tng cha tt nn d cc ngn hng rt mong mun pht trin mnh sn phm dch v nhng iu ny gp v vn kh khn. Khi s dng h thng thng tin mi lun gn vi vic lm mi ngn hng, phi ci t ton b hot ng t t chc, o to ngi, quy trnh lm vic, v thc s l qu trnh kh khn, mt mi. pht huy ht tnh nng v cng hiu ca cng ngh th trong mi ngn hng t gim c, phng ban, nhn vin phi thay i l thi, quy trnh lm vic, tm nhn chin lc v sn phm dch v. Vic trin khai Core banking ph thuc rt ln vo vn v kinh nghim v i ng nhn lc ca mi ngn hng. Nhn sang cc ngn hng nc ngoi c th thy h c trang b h thng core banking cc k hin i do h mang t ngn hng m sang, in hnh nh ANZ, DeutscheBank, HSBC, Citibank. Vic ng dng gii php ngn hng li ti cc ngn hng Vit Nam hin nay gp rt nhiu kh khn v qun l khng ng u, bi vic ng dng ny ph thuc vo vn v kinh nghim mi ngn hng. C ngn hng ng dng cng ngh thng tin mc thp chi ph khong 200 ngn n di 500 ngn USD ch yu gii quyt cc nghip v v giao dch bnh thng. C ngn hng ng dng cng ngh mc cao chi ph trn 5 triu USD nhng cha s dng ht cc tnh nng. S cha ng u cn th hin vic qun l d liu v online ton h thng vn cha thc s c pht trin mnh. Thch thc cnh tranh ln nht ca ngn hng Vit Nam khi hi nhp l cht lng dch v. So vi ngn hng quc t, ngn hng Vit Nam c th cung cp cc dch v tng ng nh Telephonebanking, Internetbanking... Nhng vn qun tr cht lng dch v ca cc h thng khng phi n gin. Ngn hng Vit Nam hin nay l ch lo sao cho c dch v. Nhng duy tr v duy tr tt th cha c xem xt tha ng. Mt khc, phn ln h thng ti ngn hng Vit Nam hin nay mi ch dng mc c s c th khc phc. Trong khi, yu cu quan trng i vi qun tr h thng l phi cnh bo trc s c, khi ngn hng Vit Nam cn c cng c nh gi, thng k thng xuyn. Core banking i hi ng b c v mng, bo mt v cc ng dng khc, nhng hin nay mi ch ng b tng phn, m cha p ng nhu cu qun tr tp trung. Tuy rng cc kin

trc, mng li chi nhnh, mng li cung cp dch v, h thng mng din rng, mng cc b, core banking, bo mt nhng thiu mt thit k tng th. Bn cnh , vic la chn gii php core banking no cng lm nhiu ngn hng au u. Trong qu trnh hi nhp th cc ngn hng gi y cn phi chnh li cc quy trnh nghip v v dch v cung cp cho cc khch hng theo quy chun quc t, t trin khai ng dng cc gii php cng ngh thng tin. Tuy nhin cc gii php ca nc ngoi th rt t v gp kh khn trong vn thch ng vi cc c th ca ngnh ngn hng Vit Nam. Hin nay, nc ta, mt s phn mm core banking c s dng ti cc ngn hng nh: Siba; Bank 2000; SmartBank; Symbol System; Teminos; Iflex; Huyndai; Sylverlake; TCBS (the complex banking solution gii php ngn hng phc hp).. Core banking chnh l biu hin r nht ca cuc chy ua v cng ngh hin i ha ngn hng, gip khch hng c c nhiu tin ch khi thc hin cc thanh ton thng mi v tng bc a Vit Nam hi nhp vi kinh t th gii. Nm 2005, Vit Nam c 7 ngn hng trin khai core banking, nhng n nay c 44 ngn hng quc doanh v c phn trong nc trin khai h thng ny. Theo NHHN Mt s Core Banking - H thng phn mm li ca ngn hng hin nay ang p dng Vit Nam ------------------------------------------------------------------------------------------------------- Siba: y l core banking c tui th kh lu, c pht trin trn nn FOX for DOS, c nhiu tranh ci nhng tn tui ca SIBA vn gn lin vi FPT, trc y c s dng rt rng ri nhng ti thi im hin ti ko p ng c nhu cu. - Silver Lake SIBS Axis : c p dng ti VCB, BIDV, VietInBank, MSB - Teminos : Techcombank l ngn hng u tin s dng gii php ca Teminos (Phn mm Globus), v cho ti hin ti kh nhiu NH ang trin khai gii php ny: Sacombank, SeAbank, NH Qun i, VP Bank ..... - TCBS ca Unisys trin khai ACB - Symbol System: L gii php ca hng System Access, c trin khai VIBank, HDBank - Huyndai : Hin ang trin khai ti NH Nng nghip - TI core ( Transinfotech - Singapore) : ang c MHB, i ,... s dng - I-Flex vi FLEXCUBE Habubank, PG Bank, Lin Vit, v INDOVINA

Ngoi ra cn c 1 s phn mm ni nh : Bank2000, Smartbank (sn phm ca FPT) Oracle FLEXCUBE gip cc ngn hng vt qua cc thch thc v th mnh cnh tranh, gim l (chnh lch gi mua & bn), v lm tng k vng ca khch hng bng cch to mt li th cnh tranh duy nht c xy dng sau khi c ci thin li nhun v m rng quan h vi khch hng. Vi Oracle FLEXCUBE, cc ngn hng c c mt li th thng qua cc chi ph trc tip qua ch bin v x l cc trng hp ngoi l. Ngoi ra, cc gii php h tr cho cc yu cu quy nh cho Basel II v quy nh chng ra tin ca Ngn hng Hoa K thng qua mt h thng qun l d liu c tnh bo mt cao, n c th d dng tch hp vi bn th ba cng cc gii php ngn hng ca bn. Lm vic cng vi s phi hp vi Oracle Industry Reference Model for Banking, mt gii php c th cc quy trnh, ng dng kin trc agile h tr cc quy trnh kinh doanh v qun l qu trnh kinh doanh bng cch s dng Business Process Execution Language (BPEL), dch v theo nh hng kin trc (SoA), v mt dch v web da trn m hnh. N cho php tch hp tt c cc ng dng ca bn th ba, k c phn mm ni b ngn hng, to iu kin thun li n gin v phc tp quy trnh kinh doanh. Bn c th t ng ho cc hot ng ngn hng ca bn vi BPEL v lin kt chng vo mt tp hp cc trang Web ln cc dch v trong phm vi b ng dng Oracle FLEXCUBE. Cc kh nng k thut chnh :

Giao dch 24/7 vi khi lng ln, c tnh kh dng cao Nhiu knh phn phi h tr, bao gm c cc chi nhnh, my ATM, point-of-sale terminal, trung tm call center, cc thit b di ng, Internet banking Mt c s d liu dng web da trn giao din ngi dng An ninh bao gm qun l ng dng v truy cp C hiu lc trc tuyn v t ng x l ngoi l Tp trung, phn cp, v kt hp trin khai D hi nhp vi h thng hin c bng cch s dng linh hot nn tng Java, Enterprise Edition Vn hnh qun l ri ro kim sot, bao gm c cc gii hn..

By NK

Cng nh ERP, mt "core bank" khng th thiu Module K ton, v cng chnh l "li" ca mt core bank. Mt core-bank hin i phi p ng vic qun l cht ch, y , vn hnh nhanh v p ng tnh "m" khi Ngn hng mun trin khai thm mt s dch v khc na (Mobile Banking, Internet Banking, ATM ..v.v). Vit Nam, vic s dng core bank hin i trong 3 nm gn y din ra nh mt xu th tt yu, nhng gia vic la chn mt core bank tt khng ng ngha vi vic NH s trin khai v vn hnh tt, n ph thuc vo nhiu yu t. Hin ti, ti c th k n mt s core bank trong nc m tranbaoanh bit c: - SIBA: y l core bank c tui th kh lu, c pht trin trn nn FOX for DOS, c nhiu tranh ci nhng tn tui ca SIBA vn gn lin vi FPT, trc y c s dng rt rng ri nhng ti thi im hin ti khng p ng c nhu cu - Bank2000: tranbaoanh ch bit c gii php ny v c mt s NH s dng nhng khng bit thm c chi tit. - SmartBank: y l nim t ho ca khi phn mm FPT ni ring v phn mm VN ni chung cho ti thi im hin ti, mc d vn c nhiu iu bn ci. Danh sch khch hng v ang s dng Smartbank kh nhiu v khng thiu nhng tn tui ln: Sacombank, VID Public Bank, Habubank ...v.v. - Symbol System: L gii php ca hng System Access, Vit Nam hin mi trin khai duy nht ti VIBank. - Teminos: Techcombank l ngn hng u tin s dng gii php ca Teminos, v cho ti hin ti kh nhiu NH ang trin khai gii php ny: Sacombank, SeAbank, NH Qun i, VP Bank ..v.v. - IFlex: L gii php ca hng Flexcute n , hin ang c trin khai ti Habubank, Indovina Bank. - Huyndai: Hin ang trin khai ti NH Nng nghip - Sylverlake: y l corebank ngoi u tin n Vit Nam v cho n gi vn ang c dng rt nhiu ngn hng quc doanh (trc y trin khai di s ti tr ca WB): Vietcombank, BIDV, Incombank.v.v. Cn nhiu vn na, nu c dp ti s trao i thm.

Thanks & Best Regards tranbaoanh Core banking chnh l mt h thng cc phn h nghip v c bn ca ngn hng nh tin gi, tin vay, khch hng. Thng qua , ngn hng pht trin thm nhiu dch v, sn phm v qun l ni b cht ch, hiu qu hn. Vi vic ng dng corebanking gip Techcombank c th x l 1000 giao dch/giy v c th qun l 50 triu ti khon 24/24h. Hin c khong 100 ngn hng thng mi, nh ch ti chnh, vn phng i din ngn hng nc ngoi nhng ch khong 15% trong s u t core banking. (http://www.vntrades.com/tintuc/modules.php?name=News&file=article&sid=12794) Cc bn c th tham kho thm ti y: "Core banking - gii php cho ngn hng hin i" (http://www.centralbank.vn/vn/home/tinthoibao.jsp?tin=1278)

Theo ti ngh, Core Banking nm na l phn Ngn hng ct li, chng hn: Ngn hng hin nay c cc sn phm dch v truyn thng nh: Tin gi, cho vay, thanh ton, ngn qu... th phn mm trn s to ra tng ng mt sn phm l mt core (ct li)... nhiu core s to thnh mt system, ngn hng c th pht trin a sn phm a dch v t cc phn hnh thnh ct li... Cc ngn hng Vit Nam i u trong lnh vc hin i ha cng ngh: ACB c phn mm TCBS (the complex banking solution), Techcombank c phn mm (core banking) Globus do Terminos cung cp cng ngh, tng t nh Sacombank. Hu ht trn 80% ngn hng Vit Nam v ang tip cn dn vi h thng Core Banking theo hng ngn hng hin i v online. Cn dng cc phn mm c hin nay, cc bn bit y... chm v hu nh thng tin khng ni trc tip trong h thng ni b ngn hng (off line). Mong cc bn b sung thm!