Thanh toán vốn giữa các ngân hàng tại NHNo & PTNT huyện Lý Nhân

MỤC LỤC
LỜI MỞ ĐẦU .................................................................................................1
LỜI MỞ ĐẦU..................................................................................................6
CHƯƠNG I: NHỮNG VẤN ĐỀ CHUNG VỀ TỔ CHỨC THANH
TOÁN VỐN GIỮA CÁC NGÂN HÀNG......................................................8
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CHƯƠNG 2: THỰC TRẠNG THANH TOÁN VỐN TẠI NGÂN HÀNG
NÔNG NGHIỆP VÀ PHÁT TRIỂN NÔNG THÔN HUYỆN LÝ NHÂN.
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Chuyên đề tốt nghiệp
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WR:.
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++T304KB.
+++T9V%B>

++.T303OP43423&BM
++>T303OP434X03&BM
KẾT LUẬN....................................................................................................80
Đỗ Thị Nhung Lớp Ngân hàng 45B
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DANH MỤC TỪ VIẾT TẮT
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Đỗ Thị Nhung Lớp Ngân hàng 45B
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DANH MỤC BẢNG BIỂU
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LỜI MỞ ĐẦU
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K*/#rC/s d5/
9k nCG*T%HIH
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) *&Td!?%
Đỗ Thị Nhung Lớp Ngân hàng 45B
M
Chuyên đề tốt nghiệp
@&*VJ D&;D
C HYd'R
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/' ns Ee4
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+HIHRE
Chương 1: Những vấn đề chung về tổ chức thanh toán vốn giữa các
ngân hàngw9HI@Rx-%/5&/yRJuH
zT
23&/)@
Chương 2: Thực trạng thanh toán vốn tại NHNo&PTNT huyện Lý
Nhân w9HI@RxU!C@/()&*
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Chương 3: Một số giải pháp và kiến nghị nhằm phát triển thanh toán
vốn tại chi nhánh NHNo&PTNT huyện Lý Nhân w4/6IR1 
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PZ486#8 nk%'/?/XRAJ 
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'/bRdJ/?& HYRd%;) s
C& ? @.
Đỗ Thị Nhung Lớp Ngân hàng 45B
B
Chuyên đề tốt nghiệp
CHƯƠNG I: NHỮNG VẤN ĐỀ CHUNG VỀ TỔ CHỨC THANH
TOÁN VỐN GIỮA CÁC NGÂN HÀNG.
1.1. Sự cần thiết và ý nghĩa của thanh toán vốn giữa các ngân hàng
1.1.1. Sự cần thiết của thanh toán vốn giữa các ngân hàng
304K HY; 5/
JS%J"#4G d dD)
(/DV5/VD
;6/D !@!D;6UH1@%U
m/? /[J5dDH1( 
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 ! D&;DRD}4//HiY%;6/D;6
UH1 &1D)&* IQ7JR1
SQ:( HI65'd *(!&R'm%
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 IQ<m
('%UU;6/D%UU;6
UH1'X%DG@6
&q%DT @ JVcQ%
iJ Wi%Dd;%%VY% !!&RVc
D[& D&;DRD9V(-@J6
#c5-%%HI#JC5R#
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3H-@5%UC5)

[&%UC/(cV
%J"#JT&s'<&1D)
&*m/*;*N
Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
%UJ56C
'%D%UC/(
&q%DT&* @ 
Q%i
1.1.2. Ý nghĩa của thanh toán vốn giữa các ngân hàng
4d/?5TE
* Đối với ngân hàng
]4!#r-%/ T
CS
]4 q/*;*J D&;D
/5'  !) *
]4)  !RASU&JdCD
* Đối với xã hội
]4%UV5
 HY@6''S<&mE
dJVcJRDJrqC@
]ZD&%V5H'S'%D-@!&m=I@
IzZD&%V!& &J-
* Đối với cá nhân, tổ chức, doanh nghiệp
]HY?%%HIdJ-5YJ
/SQHI&)uH%HI&)
* Đối với Ngân hàng Nhà nước
]4) 33HTdCDV
R'CrHiCD5DSU5&

SQ/6Q/Hi56So/&)&xJR' *I
@Xd!d HYS )dRxSL 
Đỗ Thị Nhung Lớp Ngân hàng 45B
F
Chuyên đề tốt nghiệp
CD5-%/DJC@"#V
SU&1)/HI l@&) *cA5C@
1.2. Điều kiện để tổ chức thanh toán giữa các ngân hàng
\V?%#)%%U6
"#&m%U@%Dd R @E
1.2.1. Điều kiện về pháp chế
  4d56C @!
C@R16%U@%D HY 
X;1r;D%%C@HT30334G dJ%D
c@S&*r;D%%C@ @ @! AJ
;</= AJ AJRASUS5/6-
&m/@C&)&@V/)a !
-SU/"#&(u
H5&86S3033"#
1.2.2. Điều kiện về mô hình tổ chức và hoạt động
4/HT%Dc@S HY%<Y%T&'
("#) *9%D
%#@6/ =;HT )d'
JT*-%TC
PDd *u;*d/&Jd@6&'
%UJ!;RASU)&@&dJ/;Q
s
1.2.3. Điều kiện về kỹ thuật
PDd @ %HIJ/;Q,-H&@
V<;Q)JHI/(%&&sJ Hi/@J

Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
/UR1] ! D&;DJVcJRDJ&
%V
1.2.4. Điều kiện về vốn trong thanh toán
9 IQ&%Dd @  ! D&;D
Q%iJRq%jDC5)T2 ! D&
;DW&E
]\/D;[&m
]4A)3033494\
]2@3033m494\
1.3. Hệ thống thanh toán vốn giữa các ngân hàng ở Việt Nam
4"#123&p
5T&'("#23&
Ci~E
Thời kỳ trước năm 1989E4i~@23&"
#&*?%7';3033494\:J
6uXd&*
PHI# HYRASU5
%HI#56/ d
//%@!TJ/
HI5&&U!&RJ 56
Thời kỳ từ 1989 đến nayE4i~@HT n@!=
I)d-%/RIQ/HiJG d30
?%u HY@!30?%TH
3033J304Ka2 J q HY"
#G=JS-@&•30 n"#&*
 !DC@C/*;*3
Đỗ Thị Nhung Lớp Ngân hàng 45B

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Chuyên đề tốt nghiệp
*;*=30Jqd56
 !DC@C IQ

4/i~&1J&C<J&J
'=r56NsVJ,- A'
=%/!6cHT5%D&1/*
56T/& ) ! D&;D
56/%)&C )CD
9%HI#123&
@HI %%kJW&E
]456 A79@! A:
]4;</=7;[?@ A:
]4 A56
]4C4N4Z)3033
]€@&*J*
]K1D5L !
1.3.1. Thanh toán liên chi nhánh ngân hàng (TTLCNNH)
456 A5%HI#
 IQ56/<&*;[HI/(
%&&@!TR/Yk%&@V
&)/@*;*
\%SU,- A/@!6 nk%
@! HYdJVcJRDJ&
k% q/ )
CD
9@! A%SU%HI#e!&R-%/J 
-%/f\!&R  HY-%/)4444
Đỗ Thị Nhung Lớp Ngân hàng 45B

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Chuyên đề tốt nghiệp
k@/@6 n D&;D?D@! HY!&
R/HT/DJ= d D&;DRD
• PHI # “Kiểm soát tập trung, đối chiếu tập trung”E 4G
%HI#@J30@!A@!30-@!
'C44447/@C&):44445&&U!&R 
?D@!/
Sơ đồ 1.1: Sơ đồ phương thức “Kiểm soát tập trung, đối chiếu tập trung”
7:30@!A5@!C&)4444
7:4444/@@!%5@!30-
7+:9@4444 ?D30
7.:930c- A4444
4&C@/(944W&E
]3Hi1)E5Hi%5 6D
56 A7Hic@!;[(#944:
]3Hi-E5HiUH1D@!//HiY%
@!e9dfzm5Hi<//HiY%@!
e3Yf
]31)E5 IQ%UUHi1)
]3-E5 IQ%UUHi-
Đỗ Thị Nhung Lớp Ngân hàng 45B
4/&

3
@!
3-
@!
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+ +
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Chuyên đề tốt nghiệp
]4/&EQ/&"#J!&
%U)C@D
AD
]8@!e9dfJ@!e3YfE55301)A30
- !THi-G5301)
]9 AE55)d;D&-&
A HYc QS@?&•#rJ
&U&( n rT4444
]9HI/(%&&944J&@VJ&SG&/@J
Hi/@*;*76;6);H :
9#=RASUE#=?@H?@*%J@
&aJ/944%DRASU#= A9#= A
HY)/6&@V'C@!d#=?@
#= AJ#= AV5%8@!
HY&nd !@! /69442@!d#=7=
#=?@R AHY5):%D D&;D k QS)J&L
&J@#=?@ A
4DRASU54N@!7>F:ED@&1)
 IQ567:/& !)R
@! J @! zR*J*/@! 
AT0*R1V/<
4)4444J0*R1VD@&1=
/*d m !&5'dRSH9dGC@ Q=i~
944?5/@8@!/6&)/@*
;*Jq53Y]9dD@!HI#
=%<Y%T8@!/6IR1 m !&4N

@H nd1/675'%DS@/(&*RSH9d? Q:
Đỗ Thị Nhung Lớp Ngân hàng 45B
.
Chuyên đề tốt nghiệp
1.3.2. Thanh toán bù trừ giữa các ngân hàng
4;</=744^4:5%HI#
 HY;[;</="R%D
J%D/D/6IR1 dXTR657CD
;</=:4<@*%HI%%/ "#=J@!R5&d
I44^4/6IR1#=?@744^4?@:44^4 A
1.3.2.1. Thanh toán bù trừ giấy
K'("#W&E30/(5933033XJ%9
306&44^4530/6 Q;XJ% d7
30@530:
N44^4&44^4%D
C@ Q&V@6pR @E
]PDdr;D Q&44^4&?% k
C@ Q/44^4
]9dr;DT6d/& /%J
-#=5&U3644^4%DT
&(T30/(3067GUT
:
]PD ki-#=GC@ Q
30/(
]PD5-% kJ @ JQ%i?@i/HT/
SQ44^45%D D&;DVcJ/y/z Wi%DQ
/&%%5 TRY%%%JY%5#=Vc
R5
]3@6pR65/44^4E
Đỗ Thị Nhung Lớp Ngân hàng 45B

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Chuyên đề tốt nghiệp
‚3/( HY */VDA30
6%D/D7q: !6 HY

‚4//HiY%4N4Z306%D/DRSHm
' RSH !(@30/(m@306
 !4/HiY%' HY@(30/(*
]5T&#%) dL%So(;*%D=&
44^4
9#=RASU;W&E
]9#=E
‚Z?@@&756+].:
‚Z?@@&756+].:
‚9iRƒ7S1306%:
‚^D6*%Rƒ
]95);D6S<5&r# !)4N44^4E
‚^D6#=44^4w&LR7S306 5-%:G
3Y]9d=306d56C^D6#=44^4
3Y6#= n9dD)30
&(J5R%D1306 %HI3HY5)^D6
#=44^49d6#= n3YD
)30&(V5R%D/D=306
‚^D6;</=]&LR.7S306 5-%:
^D@56R%DJR%D/D7#5"R/6^D6
#=44^4:J/k65%Dm%D/DT=30
6 %HIJ%DR"*7T?D306 
%HI: !c QR%Dm%D/D/630
&(T306
Đỗ Thị Nhung Lớp Ngân hàng 45B

M
Chuyên đề tốt nghiệp
‚^D6"Y%CD44^4w&LR>7S30/(5-% !
A306%D/DJ%D/%6:
‚^D!&/CD44^4w&LRM7S30/(5-% !!&
/CD44^4/%644^4G"R%D/D„"R%D:
4DRASUE4)30/(RASUDe4;<
/=30/(]0>$fwD@S< !)CD44^4
30/( T306&44^44)30
6ERASUDe4;</=306]0>$fw
D@S< !);*D%D;</=T
306
9306 %D&14N4Z)30/(J
CD;</=V530/(3YJ9d4N4Z30
6w4N #T4N4Z3065D44^430
/(93065'%DS@/(RSH4N4Z)30/( !
D&;D
1.3.2.2. Thanh toán bù trừ điện tử liên ngân hàng
8/qJcA5D@!
56/Q?%7SHT>$$/ W:
m !&E
•HYG&'(Y%"#i/q
4G dJ;</= A56GC@/(E
8=6A5Rx%DC
/(;</= A !!&RJcA5;</=J)CD
/HT5 HY@!% 6-
5
•9!&;</= A744^44:W&dE
Đỗ Thị Nhung Lớp Ngân hàng 45B
B

Chuyên đề tốt nghiệp
• 3/(44^44J5 IQQ/&-J!&
/5=6A5zcA5;</=J
A;DCD;</=<5
656CzcA5 SR44^44T
6zC@)CD44^44
• 96/%5
"# HY5&SQUJd&1D)/(
44^4436d/&5-%A5J
;D6z-5CD44^44z
kC@/( JC@44^44
•…%SU A/@!J-5
SQd56C/(44^44T
6/%
•!%q=//JcA5C@
44^44%DG@6pE3/(44^44cA5
;</=5@R65%D/DG
CD44^44=6/%)&Dr/D
s)/(44^444? @J
%HIS,-J'Hi/(44^44RxdR
SHDA6/i
cA5;</=G%6C@44^44/@
4//HiY%DA&*
6;?~'d RSH !CD%D/D&(
(3/(44^44Rx%D@!;T&*R5
@ !cA5%6;</=%75cA5)
%644^44:m%D@;b5@5)i
!&C@;</= A/@
Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
1.3.3. Thanh toán qua tài khoản tiền gửi tại NHNN:
4CDA)3033 HY%SU/
C5)m IQ d
 D A ) 3033 7< m  J 1   SQ
3033:
3%R%U%D5-%A933033
I&(&1D#=J)3Y4NVY%
7Am4N*;*:J9d4N4Z)933033
 4)3033%-#=S30%R
%U@! J'dRRd(RxcA5)E
]330730%R30k%U: 
&14N4Z) IQ&(E1Z\m933033Rxr##=
S30%R%UA  !5-%^D6#=
C4N4Z)3033J)3YJ9d4N4Z30 d
]4/HiY%30k%U&14N4Z) IQ
3033(3033%UU30%R%U%Dr
##= !5-%5@!@!  IQ3033I30
k%U&14N4Z7cA5GC@/(4489330:
N- HY5@! J IQ3033%UU30
k%URxcA59dA#=;9d30
k%U
%-!&R#=S3033@!
RJ'dRRdJ30k%U)J
3Y4N4Z)3033J9d4NVY%7Am4N*;*
VY%:
Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
1.3.4. Thanh toán theo phương thức ủy nhiệm thu hộ, chi hộ

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d&1D)
P)&%SUE%HI#@ HY%SU/E
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]Zm IQ
!G%HI#@&*J*J
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^63Y%D30t*30^
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4G Q~b-J SR%R
RSHDJ* !?RSH
D@
1.3.5. Mở tài khoản tiền gửi lẫn nhau để thanh toán
P)&%SUE%HI#@ HY%SU/E
]Z IQ/<z
]Zm IQ
 !E !G%HI#@
qbm IQ@7R @s5
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Chuyên đề tốt nghiệp
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1.3.6. Thanh toán điện tử liên ngân hàng
8"!J;W&;</=56
JcA5DA"ST
@! A33HT0444830
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%503*J0DPqJ3‡J94I4%0W9VK
0444830d m/HR @E
•2&'("#E
0444830d4/&C m)03*
4/&@#r!/QJ@!&)
!/Q?%JcA5DAJST
@! A33HT#r!&/
;W&%#J%&&/@'NT4/
&Cd4/&cA5XJ%1
SQ33HTJ#rcA55
!/Q?%@!&)!/Q/%)&
44830
96/%4448305"#
#SQUd   HY?%-&
4483096/%%DdDA)1
ZSQ33HT%D rSR/
*&(7s5 IQ6:&444830 ! HY
/%3/Jqd6%
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46%5"##SQU HY&
44830'C6/%

•2,-%UcA5JC@E
044830cA55/Qml'
CDA6&1)1
SQ33HTG%HI#C@"#iT
5/Q?%Rx HYcA5'C;</=/6
Q;XJ%NCD;</=/6 Q;7XJ
%J: HY@!4/&CJ<T
CD;</=)4/HI7;</=0*R1V:JRx HY
%UcA5;</=&*5w;</=eƒ%f !c QCD<
C@2I;DJ5/Q?% HYcA5G
%HI#/q7\3:H nd1/6
•…%SU A7&nd;D&-:/@!J-
5SQd56C/
•Pq=cA5///444830E
Z  H            A  1    HTJ    
444830u%D &mT//&H//-
//dVS-@%Dd;%%%<Y%
!D&!T&#?%?//d!cD@/
9;%%%q=cA5///444830;W&E
   ]45-%S@/() *S%qE
444830dS%q) *4/&
C4/&cA5X0S%qd @ &@&dJ
/;QH -V# HY m) Q !&
/6;Jc -V#[& D&;D
R;?DH6JSQsa'!<5kDH1
Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
D4//);(HiJS%q)
*RTV#5'R‡R@

V#V#m%%DR;?D
]vA5C@D@!/Q
lG%HI#"#iE//HiY%DA
6'd RSH(5Rx HY
@! YJ &T HYcA5
]…%SU)&#Y/qE0)&#Y/q5&#/Q C@
QSQ/Q?% HY&C@;</=J
HYVS/665"R5/Q
?%"R5/Q?%/&*Di
c Q96&C@;</=%D5-%)
&#Y/q&(7M&*5:G dJ%DC,?@id
)Z\]3033G&*ˆ5C@ QV/6)&#Y/q9I
)&#Y/q HY-HRE@5&J4/&
C-%-4/&cA5X)&#Y/q
k;[/Q6 n5-%4)&•i !&
@5&J)&#@@ "rJD&<@*) *
SQ/6Q~7$@:J4/&C
V-%-5))&#@4/&cA5X4/
%)&)&#Y/qJ6@!J-
5TC@;</=GC@ Qd/&
Hic@6GSy)&#Y/q&( ! D&;D) *
';QpS)&#Y/q
]9@!HY?@idC,E8&*;%%
HY%SU//HiY%&*6;?~
4//HiY%@JZ\]3033Rx@!HY?@i
Đỗ Thị Nhung Lớp Ngân hàng 45B
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Chuyên đề tốt nghiệp
dC,6@)%6SQ?Q/Hi
mQ/Hi#

]9R|DU/C@;</=E9R|D
U/C@;</=d! HY%SU&*6
7R n%SUD%%GC@ Q:J3033d!
cG&cƒ%;"D@6 &
C@<QH5&*D@)&i9cA5
R|DU/C@;</=EN- HY';
D HY%;" !R|DUJ6;Q%;"
%Ddm;"R RDAZ\]3033/
%)&iC@ Q4G dJ6@RxV5)RSH
C@;</=;W&DR dd%DU HY%
;"46d/&%D/D ki
)RD5n HY6@)&i!/6
4//HiY%@!HY?@idC,R|
U/C@;</=L' %# (
D6Rx;Q5);b !5)
C@;</=
1.4. Khái quát về hệ thống thanh toán vốn giữa các ngân hàng Việt Nam
hiện nay
3-# HY&C/s/J
r& @J3033 nC& H' )3@
M`$`FFMJ0% QVSU\0 )30
49V%23&g^RB>23 HYJ
;W&B4!SE$33HT$M3
HI&)7304K:J/ d4!S A563
Đỗ Thị Nhung Lớp Ngân hàng 45B
.
Chuyên đề tốt nghiệp
S33HT/%CD554!ScHI
RJC/s?/\2TR/Yg^J3033 nc@
S'444830] @5 HY

 )?23&J )6l,-l&C
304K  5T  u  n c@ S   /!    '   
9/;JGD%%-%/dDJSQ
HY#i75G:] @5D%%'6&
 )/6T %SU3iR'@&
C n HYDHY;-J'qp/
JSL  d;rWH/HT @3'
;HT @'&5)5YV;DJ&q
d%%k l@%/!4'S<&m
%/!J) 5HY&m/'"/5H'SL (
/)&&mD) !/W%D%&*
5HY&m'b !;< p%J@ƒ&5n%Vcn
*
4V i !&)J303023& W)>
<RR) *d5E
Thứ nhấtJ444830J HYGD%%-%/
dDJ&•6X&1RASU&*D
S@?)3033
Thứ haiJ@! A56S3033c@
S-/HTd444830@5@!
 A/*;*3033J HYGD%%D%
J5&•304K&@;p;*
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Đỗ Thị Nhung Lớp Ngân hàng 45B
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