Giải pháp nâng cao hoạt động tài trợ thương mại tại Ngân hàng thương mại cổ phần công thương Việt Nam Chi nhánh 7 Thành phố Hồ Chính Minh










NÂNG CAO 

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 
 -


Chuyên ngành: Kinh - ngân hàng




TS. LÊ THÀNH LÂN




 


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


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
 I: 
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
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
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
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


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
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
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
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

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
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
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. 1
1.1. TTTM 1
1.1.1. Khái nim TTTM 1
1.1.2. Vai trò ca TTTM i vi Ngân hàng thng m 1
1.2.2 Các công c thanh toán dùng trong h  3
1.2.1. Séc (cheque, check) 3
1.2.2. Hi phiu (bill of exchange) 4
1.2.3. Lnh phiu-k phiu (promissory note) 5
1.2.4. Th nha 5
1.3nay 6
1.3remittance) 6
1.3.2. open account) 8
 
(Cash against documents  Cash on delivery) 9
1.3.4- A/P) 10
1.3án nhollection of payment) 10
1.3.6. ocumentary credit) 13
1.3.6.1.  13
1.3.6.2  13
1.3.6.3. Các l th tín dng 13
1.3.6.4. gia L/C 17
1.3.7.  21
1.4.  pháp lý   24
 24
 25
1.4.3. Thông l và tp quán quc t 25
 25
          
 CHI NHÁNH 7 TPHCM (VIETINBANK CN 7) 27
Vietinbank và Vietinbank CN 7 27

2.1.1. Vietinbank và Vietinbank CN 7 27
Vietinbank 27
Vietinbank CN 7 29
2.1.2.  TTTM và  Vietinbank CN 7 31
2.1.3.  TTTM 34
 34
Vietinbank CN 7 36
2.1 
Vietinbank CN 7 37
 37
 39
 40
hanh toán T/T) 41
2.2.  
Vietinbank 41
2.2.1.   41
2.2.2.   42
2.2.3.   44
 44
 46
TTTM 
 47

 48
Vietinbank CN 7 48
2.3.1. Nguyên nhân khách quan 48
 48

 49
 50

 50
 53
 53
      NÂNG CAO    
VIETINBANK CN 7 TPHCM 55
 TTTM 55

 55

 55

 56
 58
 60
3.2. Gii pháp phát trin h ng TTTM ti Vietinbank CN7  tm v mô 61
 61
Vit Nam 63
 65
3.2.3.1. Hoàn thing
thoáng hn 65
 66
3.2.3.3. và các sn phm h tr và các
TTQT 69

 71
3.2.3.5. Nâng cao  72
3.2.3.6. Áp theo kp thi i 73
3.2.3.7 74
3.3.4 75
 tm  76

chin lt  76
3.3.2 76
3.3.3 76
3.3.3
 78
3.3.3.2. soát 
 79
 80





DANH MỤC CÁC TỪ VIẾT TẮT

NHNN : Ngân hàng Nhà nước
NHNN : Ngân hàng Nhà nước 


NHTM : Ngân hàng thương mại
NHCTVN : 




NH : 


Vietinbank: t Nam
Vietinbank CN 7: t Nam  Chi nhánh 7 TPHCM

ICC : International Chamber of Commerce (Phòng Thương mại Quốc tế)
UCP : Uniform Customs and Practice for Documentary Credit (Quy tắc và
thực hành thống nhất về tín dụng chứng từ)
L/C : Letter of Credit (Thư tín dụng)
T/T : Telegraphic transfer
TF : Trade Finance
NHPH : Ngân hàng phát hành
NHXN : Ngân hàng xác nhn
NHTB : 




TTTM : Tài tr i
TTQT : Thanh toán quốc tế
XNK : Xuất nhập khẩu
TTXNK : Thanh toán xuất nhập khẩu
TDCT : Ti






NK : Nhp khu
XK : Xut khu
TSC : Tr s chính
SGD : S giao dch
CN : Chi nhaùnh
 KHDN: 

: 
CBKH : 
QLRR : 
DN : Doanh nghip

LI M U
1. Tính cp thit c tài lu.
 hoá 


 

trong









, 



 TTXNK là

        
           



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 
, 
             

      t Nam,       
 
NHTM  
        
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

      

 
, Vietinbank -  
xem  

Vietinbank CN 7 
. Tuy nhiên, Vietinbank CN 7 
 TTTM   
TTTM Vietinbank CN 7 
Quy mô TTTM 
        TTTM       

TTTM Vietinbank CN 7 .
Vietinbank
CN 7

Ngân hàng TMCP C  Chi nhánh 7 TPHCM

2. 
- Trình bày 


-  
k
.
-  
.

TTTM Vietinbank CN 7 08 
2010.


;

.

-                

-             
Vietibank CN 7.
- 
               
.
6
nh 
NHTM

ietinbank CN 7
Vietinbank CN 7














-1-

1: 

1.1. TTTM
1.1.1. Khái nim TTTM
 các
 các tài 
.

là TTQT) 
               
 



 

-  
      
 


 thanh toán
          
(Leasing).
-  
            


1.1.2. Vai trò ca TTTM đi vi Ngân hàng thng mi
.
c
   
-2-

 
giúp các bên liên quan   
m 

 nhà
 
              



 , hai


 
, cam


 
T            
                

 
, 


   
iên 
 


-3-

1.2. Các  TTQT
1.2.1. Séc (cheque, check)

chí 
 
 Khi
 cao ,  
D

, 
, s do 

 

Séc có  ng :
-  
-  
-  

- , có:
+      
bearer check  ), không ghi tên 
 
  .
+   
            
(endorsement).
+      
m 
-4-

              
thêm điu kin là không theo lnh ca ngi th hng
này.  
 kèm theo.
- , có:
 ngân hàng thanh toán  ,  
.
 

      ,       

hay 

- 
+ Séc cá nhân, 

vì séc cá nhân 
ed check).
ngân hàng  
séc cá nhân.
- 

+ 
1.2.2. Hi phiu (bill of exchange)


vào c
ký phát ho  

L, có:
-5-

- 
- 
- N  theo 

1.2.3. Lnh phiu (promissory note)
D 
ngày càng  

           .  

quan tr
 
 n


             

(accept
1.2.4. Th nha



- T, có 3 l:

 (magnetic stripe)

- T


- T 
-6-




- T



- T



 (standard card)
1.3TTQT nay
1.3.1. Phng thc chuyn tin – remittance
Ltheo 
ngân hàng 
       


- 
- 
- 
au:

-7-


-           giao hàng
kèm theo  
khác có liên quan.
- 
, t
sau:





+ 


-  g
n ,  
- 
.
- 
gián tcó cho .
1.3.2. Phng thc ghi s (Open account)
Ngân hàng
NK
Ngân hàng
 


(4) T/T
 

(1) Hàng hóa

(5) Báo có

-8-

Lnhà 
 
 
 nhà  
 .

 

1.3.3. Phng thc giao chng t nhn tin (CAD hoc COD) (Cash against
documents-Cash on delivery)
theo  , 
, yêu c
  


- (1) n hàng
.  
              

- (2) Ngân hàng thông báo  
- (3) giao  
 giám sát.
- (4) N mình.
XK
NK
NH
(3) HH
(1)
(2)
(6)
(5)
(4)


-9-

- (5)  
thì tr  .
- (6) Ngân hàng giao 
khi 

1.3.4. Phng thc y thác mua (Authority to purchase – A/P)
, theo , , theo yêu

 nhà 

, 
.

NOSTRO 

1.3.5. Phng thc thanh toán nh thu (Collection of payment)
phiên 
do Phòng TQ
thu, 


, không 
, Ngân hàng 


M 
LTLNgân hàng mà theo Q

- Nh thu trn – clean collection
-10-


é
u 
 
 
kèm)  à 

 
R
- Nh thu kèm chng t - documentary collection
N sau khi giao hàng hóa cho , phát hành 

 


 
 
Các ngân hàng tham gia
không 
            
,  

Trong phng thc nh thu tr ngay (document against payment D/P)
 


  



-11-

Trong phng thc nh thu tr chm (document against acceptance D/A)
  thu 


 
h 

.
1.3.6. Phng thc tín dng chng t - documentary credit
1.3.6.1 Khái nim
có
TQICC)
   Q            
Customs and Practices for Documentary C
các ngân hàng có liên quan cùng áp . 
.
  tín
                
), 
, 
, h
.
1.3.6.2. Quy trình thc hin phng thc tín dng chng t
Ctham gia 
- 
- 

-             


-12-

- Ngân hàng thông báo t         

 

(1) 

(2) thông báo.
(3) 
(4) 


Importer

Exporter
NH phát hành
(Issuing Bank)
NH 
(Negotiating bank)
(8)
(7a)
)

(5)


(7b)

(6)
(7c)
)

Importer

Exporter

(Issuing Bank,
Opening Bank)
Ngân hàng thông
báo (Advising
bank)
(1)
(2)

(3)

(4)

-13-

(5) ho NH

(6) 

thanh toán.
h toán






u (

(8) 


1.3.6.3. Các loi th tín dng:
-        
 lúc nào
kuy nhiên,  

ngân hàng . 
- cable letter of credit): 
phát hành 
                

-  irrevocable
còn 
.
-14-

-      S   
       

- Red clause 
o  
giao hàng hóa n 
- Th

 
 



- edit): 


í


1.3.7. Th bo lãnh - Guarantee
B
nh  


theo nh 
 theo quy
 


 
-15-

 
.
-     tính pháp lý.        

- 
ình.

-  
 ,  

- Phân loi theo cách m th bo lãnh:
o lãnh theo 
cho 
này do 

          

               

- Phân loi theo hình thc s dng:


  stand by
L/C).



- Phân loi theo mc đích bo lãnh:
tender guarantee)
