Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 1: C S L Lun V Thanh Ton Quc T

Khi qut chung:
Trong kinh doanh ngy nay, thanh ton quc t ang ngy tr nn ph bin. Nhng phng thc thanh ton truyn thng nh tin mt dn c thay th bng nhng phng thc thanh ton hin i hn, nhanh chng hn. Phng thc thanh ton quc t l ton b qu trnh, cch thc nhn tr tin hng trong giao dch mua bn ngoi thng gia ngi nhp khu v ngi xut khu. Trong quan h ngoi thng i vi cc nc t bn ch ngha c rt nhiu phng thc thanh ton khc nhau nh: phng thc thanh ton chuyn tin, phng thc ghi s, phng thc nh thu, phng thc tn dng chng tMi phng thc thanh ton u c u v nhc im, th hin thnh mu thun quyn li gia nh nhp khu v xut khu. V vy vic vn dng phng thc thanh ton thch hp, phi c hai bn bn bc thng nht ghi vo hp ng mua bn ngoi thng.

Mt s phng thc thanh ton quc t

Phng thc chuyn tin: (Remittance-Remise) Phng thc chuyn tin l phng thc n gin nht, trong mt khch hng (ngi tr tin, ngi nhp khu) yu cu ngn hng phc v mnh chuyn mt s tin nht nh cho mt ngi khc ( ngi th hng, ngi xut khu) mt a im xc nh v trong mt thi gian nht nh. Trong phng thc chuyn tin c cc bn lin quan

Ngi pht lnh chuyn tin, Ngn hng nhn thc hin vic chuyn tin(ngn hng ni n v Ngn hng chi tr, chuyn tin (ngn hng i l ca ngn hng Ngi nhn chuyn tin (ngi bn, t chc xut khu)
Trang 1

chuyn tin m ti khon tin gi ngoi t). chuyn tin).

SVTH: Trng Khnh Ha

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phng thc chuyn tin c th thc hin bng hai cch:

Chuyn tin bng in (T/T Telegraphic Transfer): ngn hng thc

hin vic chuyn tin bng cch in ra lnh cho ngn hng i l nc ngoi tr tin cho ngi nhn.

Chuyn tin bng th (M/T Mail Transfer): ngn hng thc hin vic

chuyn tin bng cch gi th ra lnh cho ngn hng i l nc ngoi tr tin cho ngi nhn. Trong phng thc chuyn tin Ngn hng ch ng vai tr trung gian thc hin vic thanh ton theo y nhim hng th tc ph(hoa hng) v khng b rng buc g c. Vic tr tin ph thuc vo thin ch ca ngi mua do nu dng phng thc ny quyn li ca t chc xut khu khng m bo. Phng thc chuyn tin t c s dng trong thanh ton thng mi quc t. N c s dng ch yu trong thanh ton phi mu dch, cng nh cc dch v c lin quan n xut nhp khu hng ho nh cc vn ti, bo him, bi thng... Phng thc ghi s (Open account-Compte Ouvert) Phng thc ghi s l phng thc thanh ton m trong t chc xut khu khi xut khu hng ho, cung ng dch v th ghi n cho bn nhp khu vo mt cun s ring ca mnh v vic thanh ton cc khon n ny c thc hin trong thi k nht nh (hng thng, qu). Khi thc hin phng thc ny, tc l t chc xut khu thc hin mt tn dng thng mi. Thng thng phng thc ny ch p dng trong thanh ton gia hai n v quan h thng xuyn v tin cy ln nhau. Phng thc thanh ton nh thu (Collection of payment-Encaissement) Phng thc thanh ton nh thu c thc hin theo quy tc thng nht v nghip v nh thu do phng thng mi quc t ban hnh s xut bn 522-1995 c gi tr hiu lc k t ngy 1/1/1996 (The uniform rules for collection-ICC- PUB N-522-1995 Revision). Phng thc nh thu l nghip v x l ca ngn hng i vi cc chng t quy nh theo ng ch th nhn c nhm :
SVTH: Trng Khnh Ha Trang 2

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Chng t c thanh ton hoc c chp nhn.

Chuyn giao khi chng t c thanh ton hoc chuyn giao khi chng

t c thanh ton hoc c chp nhn Chuyn giao chng t theo ng cc iu khon v iu kin khc. Chng t (Documents) bao gm: Chng t ti chnh (financail documents): hi phiu, lnh phiu, sc Chng t thng mi (commercail documents):ha n, vn n, giy chng nhn s lng, cht lng, phiu ng gi,. Ngi xut khu sau khi hon thnh nhim v xut chuyn hng ho cho ngi nhp khu th u thc cho ngn hng phc v mnh thu h s tin ngi nhp khu trn c s hi phiu do mnh lp ra. Cc thnh phn ch yu tham gia phng thc thanh ton ny nh sau: Ngi xut khu Ngn hng phc v ngi xut khu Ngn hng i l ca ngn hng phc v ngi xut khu ( l ngn hng quc gia ca ngi nhp khu) Ngi nhp khu Phng thc nh thu c phn ra lm hai loi nh sau:
a) Nh thu trn (Clean Collection): Ngi xut khu sau khi

xut chuyn hng ho, lp cc chng t hng ho gi trc tip cho ngi nhp khu (khng qua ngn hng), ng thi u thc cho ngn hng phc v mnh thu h tin trn c s hi phiu do mnh lp ra, khng km theo mt iu kin no c ca vic tr tin. Phng thc thanh ton ny t c s dng trong thanh ton thng mi quc t v n khng m bo quyn li cho ngi xut khu. Ngn hng ch ng vai tr trung gian n thun, thu c hay khng th ngn hng cng thu th tc ph, Ngn hng khng chu trch nhim nu bn nhp khu khng chu thanh ton. V vy nu l t chc xut khu ta ch s dng phng thc thanh ton nh thu trn trong trng hp l tn nhim

SVTH: Trng Khnh Ha

Trang 3

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

hon ton t chc nhp khu, hoc l gi tr xut khu nh, thm d th trng, hng ha ng kh tiu th
b) Nh thu km chng t (Documentary Collection): l

phng thc trong ngi xut khu u thc cho ngn hng thu h tin ngi nhp khu, khng nhng ch cn c vo hi phiu m cn cn c vo b chng t hng ho, gi km theo vi iu kin l ngi nhp khu tr tin hoc chp nhn hi phiu c k hn, th ngn hng mi trao b chng t hng ho i nhn hng. Nh vy trong trng hp n v nhp khu khng ng tr tin, th ngn hng khng giao b chng t tc l hng ha cung ng qua nc nhp khu vn thuc quyn s hu ca nc nhp khu. Trong phng thc nh thu km chng t c hai trng hp:
Nu l nh thu tr tin ngay (D/P- Documents against payment) th t

chc nhp khu phi tr tin thanh ton ngay, ngn hng mi gia b chng t gc nhn hng.
Nu l nh thu chp nhn tr tin theo chng t (D/A- Documents

against acceptance) th t chc nhp khu ch cn k chp nhn ln hi phiu, Ngn hng s giao b chng t. Theo phng thc nh thu km chng t ny ngn hng khng ch l ngi thu h tin m cn l ngi khng ch b chng t hng ho. Vai tr Ngn hng c nng cao thm trch nhim.Vi cch khng ch ny quyn li ca ngi xut khu c m bo hn.

Phng thc tn dng chng t:

Trong cc phng thc thanh ton trnh by phn trc, chng ta thy rng ngn hng ch ng vai tr trung gian trong thanh ton m khng h c cam kt g v vic chc chn thu c tin cho nh xut khu, cho nn, quyn li ca nh xut khu vn cha c m bo. Mun c s cam kt thu c tin t pha ngn hng, nh xut khu nn dng phng thc thanh ton tn dng chng t

SVTH: Trng Khnh Ha

Trang 4

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

S lc v ICC-UCP 500 Ni dung phng thc thanh ton tn dng chng t c thc hin theo bn Quy tc v thc hnh thng nht v tn dng chng t (UCPUniform Customs and Practice for Documentary Credits) do Phng Thng Mi Quc T (ICC- International Commercial of Chamber) ban hnh. Vn bn u tin c xut bn nm 1933 sau c sa i v b sung qua cc nm 1951,1962,1974,1983 (thng gi l UCP 400) v nm 1993 (UCP 500) c gi tr hiu lc k t ngy 1/1/1994. Gn y nht l ngy 25/10/2006 ICC cng b UCP 600 c hiu lc k t ngy 1/7/2007. UCP l mt vn bn php l quc t khng mang tnh cht bt buc cc bn mua bn quc t phi p dng. Do nu p dng UCP th phi dn chiu iu y trong th tn dng ca mnh. n nay c hn 160 nc trn th gii cng nhn v tuyn b p dng UCP. iu ng lu l cc vn bn ra i sau khng hy b cc vn bn trc , cho nn cc vn bn u c gi tr thc hnh trong thanh tan quc t. Ngoi ra UCP 500 cn nhn mnh n vic thanh ton ch da vo chng t, ng thi a dng ha vic s dng th tn dng (L/C) ngoi vic dng ch yu trong thng mi, nay cn c th s dng cc hot ng phi thng mi nh u t, dch v du lchUCP500 ch p dng trong thanh ton quc t khng p dng trong thanh ton ni a Ni dung ca UCP500 gm 49 iu khon chia ra lm 7 phn:

Phn A gm 5 iu (1-5) cc quy nh chung v nh ngha Phn B gm 7 iu (6-12) quy nh cc hnh thc v thng bo th tn Phn C gm 7 iu (13-19) quy nh ngha v v trch nhim ca ngn Phn D gm 19 iu (20-38) quy nh v cc loi chng t, ch yu l Phn E gm 9 iu (39-47) cc quy nh khc nh thi hn hiu lc,

dng hng, cc trng hp min trch. chng t vn ti, bo him, ha n thng mi. dung sai, s lng, s tin, thi gian xut trnh.
SVTH: Trng Khnh Ha Trang 5

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn F gm 1 iu (48) quy nh v vic chuyn nhng s tin thu Phn G gm 1 iu (49) quy nh nhng tin thu c Khi thc hin phng thc tn dng chng t cn tham kho thm: Bn Quy tc thng nht hon tr lin bang theo tn dng chng t (The

c ca ngi hng li.

Uniform Rules For Bank-To-Bank Reimbursement Under Documentary Credits-URR 525-1995-ICC) c gi tr t 1/7/1996. Ph bn ca UCP: bao gm UCP 500.1 v UCP 500.2 UCP 500.1 hay cn gi l eUCP (The Supplement To The Uniform And Practice For Documentary Credits For Electronic Presentation) xut bn 1/2002 p dng cho xut trnh chng t in t theo L/C. eUCP co 12 iu khon. UCP 500.2 hay cn gi l ISBP 645 (The International Standard Banking Pratice For Examination For Documents Under Documentary Credits). Thc hnh nghip v ngn hng theo tiu chun quc t v kim tra chng t theo L/C xut bn 10/2002 Mt s im khc nhau c bn gia UCP 500 v UCP 600: Th nht, v hnh thc, UCP 600 c b cc li vi 39 iu khon (so vi 49 iu khon ca UCP 500), trong b sung nhiu nh ngha v gii thch thut ng mi lm r ngha ca cc thut ng cn gy tranh ci trong bn UCP 500. Chng hn, iu 2 Definitions (nh ngha) ca UCP 600 nu ra mt lot nh ngha nh: Advising bank, Applicant, Beneficiary, Complying presentation, Confirmation, Confirming bank, Credit, Honour, Negotiation, Presentation Th hai, UCP 600 quy nh r thi gian cho vic t chi hoc chp nhn cc chng t xut trnh l khong thi gian c nh 5 ngy lm vic ngn hng (five banking days). UCP 500, khong thi gian ny c quy nh khng r rng l Thi gian hp l (Reasonable Time) v Khng chm tr (Without delay) kim tra chng t v thng bo chng t bt hp l.

SVTH: Trng Khnh Ha

Trang 6

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Th ba, UCP 600 a ra quy nh mi v a ch ca ngi yu cu m v ngi hng li th tn dng phi c th hin trn chng t xut trnh ng nh trong L/C. Th t, theo UCP 600, ngn hng pht hnh c php t chi chng t v giao b chng t cho ngi yu cu m th tn dng khi nhn c chp nhn b chng t bt hp l ca h. Khi nim v tn dng chng t Phng thc tn dng chng t l mt s tha thun m trong mt ngn hng (ngn hng m th tn dng-m L/C) theo yu cu ca khch hng (ngi xin m th tn dng) cam kt hay cho php ngn hng khc chi tr hoc chp thun nhng yu cu ca ngi hng li khi nhng iu kin quy nh trong th tn dng c thc hin ng v y Qua khi nim phng thc tn dng chng t, ta c th thy cc bn tham gia gm c:

Ngi xin m L/C ( Applicant): thng thng l ngi mua, t chc Ngi hng li (Beneficiary): l ngi bn hay l ngi xut khu. Ngn hng m hay ngn hng pht hnh th tn dng (The Issuing

nhp khu.

Bank): l ngn hng phc v ngi nhp khu, bn nc ngi nhp khu, cung cp tn dng cho nh nhp khu v l ngn hng thng c hai bn nhp khu v xut khu tha thun, la chn v c quy nh trong hp ng thng mi. Nu khng c s quy nh trc, ngi nhp khu c quyn la chn.

Ngn hng thng bo th tn dng (The Advising Bank): l ngn hng

phc v nh xut khu, thng bo cho nh xut khu bit th tn dng m. Ngn hng ny thng l nc ngi xut khu v c th l ngn hng chi nhnh hoc i l ca ngn hng pht hnh th tn dng Ngoi ra cn c th c cc ngn hng khc tham gia trong phng thc thanh ton ny, bao gm:

SVTH: Trng Khnh Ha

Trang 7

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Ngn hng xc nhn (The Confirming Bank): l ngn hng xc nhn

trch nhim ca mnh s cng ngn hng m th tn dng, bo m vic tr tin cho bn xut khu trong trng hp ngn hng m th tn dng khng kh nng thanh ton. Ngn hng xc nhn c th va l ngn hng thng bo th tn dng hay l mt ngn hng khc do bn xut khu yu cu. Thng l mt ngn hng ln, c uy tn trn th trng tn dng v ti chnh quc t.

Ngn hng thanh ton (The Paying Bank): c th l ngn hng m th

tn dng hoc c th l ngn hng khc do ngn hng m th tn dng ch nh thay mnh thanh ton tr tin hay chit khu hi phiu cho ngi xut khu. Ngn hng thng lng (The Negotiating Bank): l ngn hng ng ra thng lng b chng t v thng cng l ngn hng thng bo L/C. Trng hp L/C quy nh thng lng t do th bt k ngn hng no cng l ngn hng thng lng. Tuy nhin, cng c trng hp L/C quy nh thng lng ti mt ngn hng nht nh.

Ngn hng chuyn nhng (The Transfering Bank), Ngn hng ch

nh (The Nominated Bank), Ngn hng hon tr (The Reimbursing Bank), Ngn hng i tin (The Claiming bank), Ngn hng chp nhn (The Accepting Bank), Ngn hng chuyn chng t (The Remitting Bank). Tt c c giao trch nhim c th trong th tn dng. Ni dung th tn dng (L/C): Mt khc khi nim tn dng chng t cn cho chng ta thy rng tn dng th hay cn gi l th tn dng l vn bn quan trng nht trong phng thc thanh ton tn dng chng t. Vy th tn dng l g?

Th tn dng (Letter of Credit) gi tt l L/C l vn bn php l trong

mt ngn hng theo yu cu ca khch hng ng ra cam kt s tr cho ngi th hng mt s tin nht nh, trong mt thi gian nht nh nu ngi ny xut trnh b chng t ph hp vi nhng quy nh nu trong vn bn
SVTH: Trng Khnh Ha Trang 8

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Th tn dng c hnh thnh trn c s hp ng thng mi, tc l phi cn c vo ni dung, yu cu ca hp ng ngi nhp khu lm th tc yu cu ngn hng m th tn dng. Nhng sau khi c m, th tn dng li hon ton c lp vi hot ng thng mi . iu c ngha l khi thanh ton, ngn hng ch cn c vo ni dung th tn dng m thi. Ni dung th tn dng gm c cc phn sau: S hiu m L/C: Tt c cc L/C u phi c s hiu ring ca n. Tc dng ca s hiu l dng trao i th t, in tn c lin quan n vic thc hin L/C. S hiu ca L/C cn c dng ghi vo cc chng t c lin quan trong b chng t thanh ton ca L/C. a im m L/C: L ni ngn hng m L/C cam kt tr tin cho ngi hng li. a im ny c lin quan n vic tham chiu lut l p dng, gii quyt xung t, bt ng xy ra (nu c). Ngy m L/C: L ngy bt u pht sinh v c hiu lc v s cam kt ca ngn hng m L/C i vi ngi th hng, l ngy ngn hng m chnh thc chp nhn n xin m L/C ca ngi nhp khu. l ngy bt u tnh thi hn hiu lc ca L/C v cng l cn c ngi xut khu kim tra xem ngi nhp khu c thc hin vic m L/C ng thi hn nh trong hp ng khng. Loi th tn dng: Mi loi L/C u c tnh cht, ni dung khc nhau, quyn li v ngha v ca nhng ngi lin quan cng rt khc nhau. Do khi m th tn dng, ngi c nhu cu cn phi xc nh c th loi th tn dng cn m.

Tn v a ch ca nhng ngi lin quan:

SVTH: Trng Khnh Ha

Trang 9

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Ngi yu cu m L/C, ngi hng li L/C, ngn hng m L/C, ngn hng thng bo L/C S tin ca th tn dng: L mt ni dung rt quan trng. v vy vic quy nh n trong L/C cng rt cht ch, th hin qua vic va ghi bng s va ghi bng ch v phi thng nht vi nhau. Tn n v tin t phi r rng, c th. Theo iu 39 UCP 500 th cc t vo khong, xp x, chng c hiu l cho php dung sai 10%.

Thi hn hiu lc ca L/C: L thi hn m ngn hng m L/C cam kt tr tin cho ngi xut

khu, nu ngi xut khu xut trnh b chng t thanh ton trong thi hn v ph hp vi nhng iu quy nh trong L/C. Thi hn hiu lc ca L/C bt u tnh t ngy m L/C n ngy ht hiu lc ca L/C. Ngy m L/C trc ngy giao hng mt thi gian hp l, ngy ht hn hiu lc ca L/C phi sau ngy giao hng mt thi gian hp l. Thi hn tr tin ca L/C: iu ny hon ton ty thuc vo quy nh ca hp ng. Thi hn tr tin c th nm trong thi hn hiu lc ca L/C (nu tr ngay) hoc c th nm ngoi thi hn hiu lc ca L/C (nu tr chm). Thi hn giao hng: c ghi trong th tn dng v cng do hp ng thng mi quy nh. y l thi hn quy nh bn bn phi chuyn giao hng cho bn mua k t khi th tn dng c hiu lc. thi hn giao hng lin quan cht ch vi thi hn hiu lc ca th tn dng. iu khon v hng ha: Gm c tn hng, s lng v trng lng, gi c, quy cch phm cht, bao b, k hiu Nhng ni dung v vn ti, giao nhn hng ha: iu kin, c s giao hng (FOB, CIF, C&F), ni gi hng, ni giao hng, cch vn chuyn v cch giao hngcng c ghi vo L/C. Thng thng iu kin giao hng ty thuc vo kh nng cng ng hng ca nh
SVTH: Trng Khnh Ha Trang 10

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

xut khu, kh nng nhn hng ca nh nhp khu, kh nng vn chuyn ca phng tin vn ti. Nu nhn thy nhng iu kin giao hng ghi trong L/C khng th thc hin c th ngi xut khu c th ngh iu chnh L/C. Cc chng t phi xut trnh: Yu cu v vic k pht cc loi chng t cn phi c nu r rng c th v cht ch trong L/C. Cc yu cu ny xut pht t c im ca hng ha, ca phng thc vn ti, ca cng tc thanh ton v tn dng, ca tnh cht hp ng v cc ngun php l c lin quan n vic thc hin hp ng . S cam kt tr tin ca ngn hng m L/C: L ni dung cui cng ca L/C v n rng buc trch nhim ca ngn hng m L/C i vi L/C ny. Nhng iu kin c bit khc nh: Ph ngn hng c tnh cho bn no, iu kin c bit hng dn i vi ngn hng chit khu, dn chiu s UCP p dng

Ch k ca ngn hng m L/C: L/C thc cht l mt kh c dn s. Do ngi k L/C cng phi l

ngi c nng lc hnh vi, nng lc php l tham gia vo thc hin mt quan h dn lut. Nu gi bng Telex, Swift th khng c ch k, khi cn c vo m kha (textkey). Cc loi th tn dng ch yu l: a) Th tn dng c th hu ngang (Revocable L/C): y l loi th tn dng m sau khi c m th vic b sung sa cha hoc hu b c th tin hnh mt cch n phng.
b) Th tn dng khng th hu ngang (Irrevocable L/C): L loi

th tn dng sau khi c m th vic sa i, b sung hoc hu b ch c ngn hng tin hnh theo tho thun ca tt c cc bn c lin quan. Trong thng mi quc t th tn dng ny c s dng ph bin nht.

SVTH: Trng Khnh Ha

Trang 11

Chuyn Tt Nghip K30 c)

GVHD: Trn Nam Hng

Th tn dng khng th hu b c xc nhn (Confirmed

irrevocavle L/C): L loi th tn dng khng th hu b, c mt ngn hng khc m bo tr tin theo yu cu ca ngn hng m th tn dng.
d) Th tn dng chuyn nhng (Transferable L/C): L loi th tn

dng khng th hu b, trong quy nh quyn ca ngn hng tr tin c tr hon ton hay tr mt phn ca th tn cho mt hay nhiu ngi theo lnh ca ngi hng li u tin. V cn nhiu loi khc na. Tuy nhin, hin nay th cc ngn hng thng s dng L/C khng th hy b c xc nhn. Nhng cn lu nu L/C khng ghi r l L/C irrevocable hay revocable th l Irrevocable tc l khng c hy b. Tng t nh vy, nu L/C khng ghi r l L/C confirmed th l L/C inconfirmed tc l khng c xc nhn. Quy trnh phng thc thanh ton tn dng chng t.
(3) (7) (8) (2) (1 1) (1 0) (9) (5) (1) (6) Ngi xut khu (4)

Ngn hng m L/C

Ngn thng bo L/C

Ngi nhp khu

(1)
(2)

Hai bn xut khu v nhp khu k hp ng thng mi. Ngi nhp khu lm th tc yu cu ngn hng m L/C m Ngn hng m L/C m L/C theo yu cu ca ngi nhp khu

L/C cho ngi xut khu th hng. (3) bit.

(4)

v chuyn L/C sang ngn hng thng bo bo cho ngi xut khu Ngn hng thng bo L/C thng bo cho ngi xut khu bit Da vo ni dung ca L/C, ngi xut khu giao hng cho

rng L/C m. (5) ngi nhp khu.

SVTH: Trng Khnh Ha

Trang 12

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

(6) (7) (8)

Ngi xut khu sau khi giao hng, lp b chng t thanh ton Ngn hng thng bo chuyn b chng t thanh ton sang Ngn hng m L/C sau khi kim tra b chng t nu thy ph

gi vo ngn hng thng bo c thanh ton. ngn hng m L/C xem xt tr tin. hp th trch tin chuyn sang ngn hng thng bo ghi c cho ngi th hng. Nu khng ph hp th t chi thanh ton. (9) (10) khu. (11) Ngi nhp khu xem xt chp nhn tr tin v ngn hng m L/C trao b chng t ngi nhp khu c th nhn hng. Qua ni dung v trnh t cc bc tin hnh thanh ton nh trn, chng ta thy rng phng thc thanh ton tn dng chng t l phng thc thanh ton sng phng m bo quyn li cho c hai bn xut khu v nhp khu. trong phng thc ny ngn hng ng vai tr ch ng trong thanh ton ch khng phi ch lm trung gian n thun nh nhng phng thc thanh ton khc. Chnh v vy, hin nay phng thc ny c s dng nhiu nht trong thanh ton quc t. c trng ca phng thc tn dng chng t. e) Phng thc thanh ton chng t lin quan n hai quan h hp ng c lp: l quan h gia ngi m th tn dng vi ngn hng pht hnh v quan h gia ngn hng pht hnh vi ngi xut khu. Tha thun xin m th tn dng gia ngi m th tn dng v ngn hng pht hnh l mt hp ng kinh t dch v. Ngi nhp khu phi lm n yu cu m th tn dng, tr mt khon l ph m th tn dng v k qu mt s tin nht nh ty theo quy nh ca ngn hng. Ngn hng cn c vo m th tn dng cho ngi xut khu v chu trch nhim kim tra cc chng t do ngi xut khu trnh. Nu chng t hon ton ph hp vi ni dung iu kin ca L/C th ngn hng s nhn chng t v
SVTH: Trng Khnh Ha Trang 13

Ngn hng thng bo ghi c v bo c cho ngi xut khu. Ngn hng m L/C trch ti khon v bo n cho ngi nhp

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

thanh ton tin hng cho ngi xut khu, sau ngn hng thu li tin ca ngi nhp khu v giao chng t cho ngi nhp khu i ly hng.
f) Phng thc thanh ton tn dng chng t c 2 nguyn tc c bn:

Nguyn tc c lp ca th tn dng: tuy th tn dng c m trn c s hp ng mua bn gia ngi xut khu v nhp khu, nhng khi ra i, n li hon ton c lp vi hp ng thng mi hay bt k mt hp ng no khc lm c s cho th tn dng. Thay vo , n ph thuc vo kh nng xut trnh cc chng t ph hp vi th tn dng ca nh xut khu. Ngn hng m th tn dng khng th t chi thc hin ngha v thanh ton vi l do ngi xut khu giao hng km cht lng, hay v mt l do tng t. Ngn hng s thanh ton tin cho ngi hng li min l ngi ny xut trnh c b chng t ph hp vi yu cu ca L/C. Nguyn tc tun th cht ch ca chng t: khi kim tra cc chng t xut trnh, cc ngn hng ch thanh ton cho ngi hng li khi cc chng t ny tun th cht ch cc yu cu ca th tn dng.
g)

Cc bn giao dch ch cn c vo chng t ch khng cn c vo hng ha:

Cc chng t xut trnh l cn c duy nht ngn hng quyt nh tr tin hay t chi thanh ton cho ngi hng li th tn dng, ng thi cng l cn c duy nht ngi nhp khu hon tr hay t chi tr tin cho ngn hng. Ngn hng khng chu trch nhim v s phn tht s ca hng ha m bt c chng t no i din. Nh vy trong phng thc tn dng chng t, cc chng t c mt tm quan trng to ln, n l minh chng cho gi tr hng ha m ngi bn giao v l cn c cho ngi xut khu i ngn hng thanh ton tin hng v cng l c s ngn hng chp nhn hay thanh ton cho ngi xut khu.
h)

Phng thc tn dng chng t m bo mt cch tng i quyn li ca ngi bn v ngi mua trong hot ng ngoi thng.

SVTH: Trng Khnh Ha

Trang 14

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Trong quan h mua bn, ngi mua lun mun nh c hng ha ri mi tr tin, cn ngi bn li mun giao hng xong l c thanh tan ngay. Trong ngoi thng. Vic gii quyt mi quan h ny gp nhiu kh khn hn so vi mua bn ni a do khong cch v khng gian gia ngi mua v ngi bn. Do , phng thc thanh ton tn dng chng t l phng thc ng tin cy nht: khi ngi bn lp c b chng t xem nh hon thnh ngha v giao hng, cn ngi mua nhn c b chng t c th yn tm l hng ha c giao.
i) Ngn hng pht hnh L/C l ngi phi thanh ton cho ngi

hng li: Khi quyt nh vic m L/C, ngn hng m L/C phi hiu rng chnh ngn hng m L/C l ngi thanh ton cho ngi hng li khi h thc hin ng cc quy nh trong L/C cho d ngi m L/C c tin hay khng c tin, cn tn ti hay ph sn. Do ngn hng m L/C phi nh gi kh nng kinh doanh, ti chnh ca ngi m. c bit l hiu qu ca phng n nhp hng.

SVTH: Trng Khnh Ha

Trang 15

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 2:Gii Thiu Tng Quan V Ngn Hng

Thng Mi C Phn Si Gn Thng Tn (Sacombank)
Gii thiu v ngn hng Sacombank
Tn ngn hng: NGN HNG THNG MI C PHN SI GN THNG TN Tn giao dch quc t: SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK Tn vit tt: SACOMBANK Hi s : 266-268 Nam K Khi Ngha, Qun 3, TP. H Ch Minh in thoi:(84-8) 9320 420 Fax:(84-8) 9320 424 Website: www.sacombank.com.vn Logo

Vn iu l: 4.449.000.000.000 ng Giy php thnh lp:S 05/GP-UB ngy 03/01/1992 ca UBND TP.HCM Giy php hot ng:S 0006/GP-NH ngy 05/12/1991 ca Ngn hng Nh nc Vit Nam Giy CNKKD: S 059002 do S K Hoch v u T TP. HCM cp (ng k ln u ngy 13/01/1992, ng k thay i ln th 24ngy 10/04/2006) Ti khon: S 4531.00.804 ti Ngn hng Nh nc Chi nhnh TP.HCM M s thu:0301103908 Ngnh ngh kinh doanh: Huy ng vn ngn hn, trung v di hn di hnh thc tin gi c k hn, khng k hn, chng ch tin gi; Tip nhn vn u t v pht trin ca cc t chc trong nc, vay vn ca cc t chc tn dng khc;
SVTH: Trng Khnh Ha Trang 16

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Cho vay ngn hn, trung v di hn; Chit khu thng phiu, tri phiu v giy t c gi; Hn Lm dch v thanh ton gia cc khch hng; Kinh doanh ngoi t, vng bc, thanh ton quc t; Huy ng vn t nc ngoi v cc dch v khc

vn v lin doanh theo php lut;

Lch s hnh thnh v pht trin

Ngn hng Thng mi C phn Si Gn Thng Tn (Sacombank) c thnh lp theo.Quyt nh s 05/GP-UB ngy 03/01/1992 ca y ban Nhn dn TP.H Ch Minh v hot ng theo Quyt nh s 0006/NH-GP ngy 05/12/1991 ca Ngn hng Nh nc Vit Nam. Sacombank chnh thc i vo hot ng t ngy 21/12/1991, trn c s chuyn th Ngn hng Pht trin Kinh t G Vp v sp nhp 03 Hp tc x tn dng Tn Bnh-Thnh Cng - L Gia. Vo thi im , c 04 n v ny u trong giai on cc k kh khn v ti chnh. Giai on 1991 - 1995, khi u vi s vn iu l ban u ch c 3 t ng, mng li hot ng ch yu cc qun ven, phm vi kinh doanh n iu, Sacombank to c nhng im son ng ghi nhn trong nhng nm u thnh lp thng qua cc quyt sch, ch trng nh tp trung x l cc khon n kh i, m rng mng li, pht hnh k phiu, thc hin dch v chuyn tin nhanh, Giai on 1995 - 1998, Sacombank tp trung cho nhim v hoch nh v pht trin song song vi vic tip tc cng c v chn chnh. Vi sng kin pht hnh c phiu i chng, vn iu l ca Sacombank tng t 23 t ng ln 71 t ng, qua bc u xc lp c nng lc ti chnh i vi qu trnh pht trin ca Sacombank. Giai on 1999 - 2001, vn iu l t 71 t ng tng ln 190 t ng; xy dng Hi s khang trang ti trung tm Thnh ph H Ch Minh, ng thi nng cp tr s cc Chi nhnh trc thuc; m rng mng li n hn 20 tnh thnh v cc vng kinh t trng im, ng thi xc lp quan h vi hn 80 chi nhnh
SVTH: Trng Khnh Ha Trang 17

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

ngn hng nc ngoi trn khp th gii. ng thi, Sacombank tr thnh thnh vin ca Hip Hi Vin Thng Lin Ngn Hng ton cu (SWIFT), Visa v Master Card Giai on 2001 - 2005, hon thnh vt mc cc ch tiu kinh t v mc tiu pht trin ra cho thi k k hoch 5 nm. c bit vi s tham gia gp vn ca 03 c ng nc ngoi l cc t chc ti chnh - ngn hng mnh trn th gii v khu vc h tr Sacombank tip cn cng ngh tin tin v kinh nghim qun tr iu hnh hin i, chun b cho qu trnh hi nhp kinh t quc t. ng thi, Ngn hng bc u pht trin thnh cng m hnh hp tc lin doanh, lin kt thng qua vic gp vn thnh lp Cng ty lin doanh qun l qu Cng ty chng khon - Cng ty bo him, Giai on 2006: C phiu ca Sacombank c nim yt trn trung tm giao dch chng khon Thnh ph H Ch Minh. Qua hn 15 nm hot ng, Sacombank l mt trong nhng ngn hng thng mi c phn c vn iu l ln nht Vit Nam, tng t 190 t ng nm 2001 ln 4.449 t ng vo thng 12/2007. Mng li hot ng vi trn 210 chi nhnh v phng giao dch tri rng t Bc vo Nam, i ng nhn vin gm 6.000 ngi, quan h vi trn 9.700 i l thuc 250 ngn hng ti 91 quc gia trn th gii. Sacombank cn l ngn hng TMCP c s lng c ng i chng ln nht Vit Nam vi hn 37000 c ng, cc c ng chin lc ca Sacombank l cc tp on ti chnh v ngn hng ln trn th gii nh: Dragon Financial Holdings thuc Anh Quc

International Financial Company (IFC) trc thuc World Bank Tp on Ngn hng Australia v Newzealand (ANZ)

Cng vi nhng thnh qu t c, Sacombank hng n mc tiu tr thnh mt ngn hng bn l a nng - hin i - tt nht Vit Nam v c quy m ln trong khu vc

SVTH: Trng Khnh Ha

Trang 18

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

i Hi ng C ng

I) C cu t chc
Hi ng Qun Tr

Ban Kim Sot Vn Phng Hi ng Qun Tr

Tng gim c

y Ban iu Hnh
Ph Tng gim c th 1

Khi doanh nghip

Tip th v pht trin sp

Khi c nhn

Khi tin t

Khi u t

Khi iu hnh
K hoch

Khi h tr

Khi CNTT
K Thut H Tng

Sn phm c nhn

Kinh doanh vn

Hnhchnh i ngoi XD c bn TT o to Ngn qu

D n Chnh sch

Kim tra, kim sot ni b

Khu vc

Thanh ton quc t

Tip th c nhn

Kinh doanh ngoi hi Sp tin t

u t

TC-KT QL ri ro Thm nh

Phn Tch ng dng

Cc chi nhnh/ s giao dch trc thuc khu vc

nh ch ti chnh

B phn th

Pht Trin ng dng

Nhn s

TT pha Bc

Cc cng ty trc thuc

SVTH: Trng Khnh Ha

Trang 19

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

II) Chc nng v nhim v:

a) Khi doanh nghip Qun l, pht trin, tip th sn phm truyn thng cho KH doanh nghip. Qun l cng tc chm sc, xy dng chnh sch KH doanh nghip Qun l cng tc TTQT, chuyn tin quc t. Qun l h thng Swift Thit lp, duy tr v pht trin quan h hp tc vi cc nh ch ti chnh. Qun l ngn hng i l. Qun l ti khon Nostro b) Khi c nhn Qun l, pht trin v tip th sn phm truyn thng cho KH c nhn. Xy dng, qun l v iu phi ch tiu bn hng theo cc sn phm c th. Tip th v pht trin kinh doanh. Qun l mng li ATM. c) Khi tin t Kinh doanh trn th trng vn v th trng tin t. Qun l v iu hnh thanh khon ca ngn hng Thc hin kinh doanh ngoi t,vng Xy dng v pht trin cc sn phm ca khi tin t d) Khi u t u mi tip nhn thng tin v d n u t. Dn xp, phi hp vi cc t chc tn dng khc cho vay hp vn. Thm nh cc d n ngn hng ti tr Qun l hot ng u t gp vn, mua c phn bng ngun vn t c ca Ngn hng e) Khi iu hnh Tham mu xy dng v trin khai chin lc pht trin ca Ngn hng Tng hp bo co hot ng ca ton Ngn hng. Cng tc m rng mng li. Qun l chnh sch tn dng Qun l quy trnh cht lc, cng tc php ch, c cu t chc b my.
SVTH: Trng Khnh Ha Trang 20

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Cng tc xy dng v kim tra ch ti chnh k ton. Tham mu xy dng cc chnh sch v qun l ri ro. Qun l thu hi n, ri ro tn dng v phi tn dng. Ti thm nh h s cp tn dng vt hn mc phn quyt ca cc chi nhnh lin quan n khch hng v thm nh cc h s theo yu cu ca cp c thm quyn. f) Khi h tr Qun l v pht hnh vn th, cng tc hnh chnh phc v Qun l chi ph iu hnh. Qun l hot ng quan h cng chng. Qun b thng hiu Qun l cng tc xy dng c bn o to theo k hoch pht trin ngun nhn lc ca Ngn hng. Qun l cng tc thanh ton ni a. Qun l cng tc ngn qu,thc hin h tr cho hat ng khi tin t g) Khi CNTT Cng tc qun tr mng Cng tc an ton v bo mt thng tin Phn tch v m t cc yu cu v sn phm dch v ca Ngn hng, v khai thc h thng thng tin, d liu trn h thng ngn hng li, v xy dng cc ng dng phn mm ngoi h thng ngn hng li Phn tch thit k v lp trnh cc phn h phn mm thc hin cc yu cu v sn phm, dch v ca ngn hng, v khai thc h thng thng tin, d liu trn h thng ngn hng li v cc ng dng phn mm ngoi h thng ngn hng li h) Kim tra, kim sot ni b Kim tra, gim st tun th cc quy nh cu php lut v cc quy ch, quy trnh nghip v, quy nh ni b ca Ngn hng. nh gi kim tra tnh hiu lc, hiu qu ca h thng kim tra kim sot ni b

SVTH: Trng Khnh Ha

Trang 21

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

i) Nhn s Tuyn dng nhn s. Qun l nhn s. Xy dng v trin khai k hoch pht trin ngun nhn lc ca Ngn hng. Qun l c ch tin lng v chnh sch i ng nhn s

Cc sn phm ca Sacombank C nhn

Sn phm tin vay Cho vay tiu dng p ng nhu cu vn kp thi Cho vay sn xut kinh doanh p ng nhu cu vn kp thi Cho vay cm c chng t c gi, vng, ngoi t Cho vay phc v i sng Cho vay lin kt mua xe t Cho vay mua chng khon Cho vay lin kt chuyn nhng bt ng sn Cho vay lin kt mua nh, sa cha nh Cho vay cn b nhn vin Cho vay li cn tr bt ng sn Cho vay tiu thng ch Cho vay sn xut kinh doanh Cho vay cm c th tin gi Cho vay sn xut kinh doanh m rng t le m bo Cho vay nng nghip Cho vay du hc Tin gi : Chng ch huy ng vng v VN bo m gi tr theo vng Tit kim khng k hn Tit kim bc thang Tin gi thanh ton Tit kim tch ly Tit kim c k hn
SVTH: Trng Khnh Ha Trang 22

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Ti khon u C

Th
Th Ladies First Th thanh ton quc t Sacombank Visa Th tn dng quc t Sacombank Visa Credit Th ng thng hiu VNPAY Th tn dng ni a SacomPassport Th thanh ton ni a SacomPassport

Chuyn tin
Chuyn tin t nc ngoi v Vit Nam Chuyn tin nhanh tn nh Chuyn tin t Vit Nam ra nc ngoi Chuyn tin trong nc Chuyn tin bng BankDraft

Khc:
Dch v gi h ti liu E-banking Mobile Banking Phone Banking Dch v chuyn i ngoi t Dch v bo lnh Dch v h tr du hc Cho thu ngn t st

Doanh nghip:
a) Sn phm tin vay: Cho vay SXKD p ng nhu cu vn kp thi Cho vay bng ngun vn RDF II Cho vay bng ngun vn SMEDF Cho vay kinh doanh tr gp doanh nghip va v nh Cho vay cm c s tit kim, chng t c gi
SVTH: Trng Khnh Ha Trang 23

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Cho vay d n - u t Cho vay sn xut kinh doanh b) Sn phm tin gi: Tin gi nh k doanh nghip Tit kim tch ly thng Tin gi c k hn Tin gi thanh ton c) Khc: Dch v chi tr h lng cho CB-CNV Dch v thu chi ti khon Dch v chuyn i ngoi t Dch v thu chi h Dch v thanh ton quc t Dch v bo lnh Bao thanh ton ni a

Kt qu hot ng kinh doanh ca Sacombank t 2005-2007 Cc ch s ti chnh ch yu: (n v: T ng)

(Bn Tin Sacombank 2008) SVTH: Trng Khnh Ha Trang 24

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Tnh hnh tng trng qua cc nm

Tng ti sn ca Sacombank tng u qua cc nm t 2002-2005 v tng vt trong nm 2007 ln n con s n tng 63.484 t ng t mc tng trng 156% so vi nm 2006. d kin trong nm nay t k hoch 93.000 t ng. Sacombank l mt trong nhng ngn hng TMCP c tng ti sn ln nht Vit Nam hin nay.
SVTH: Trng Khnh Ha Trang 25

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Nm 2007 va qua l nm th 16 Sacombank lin tc c li v cng l nm t li nhun cao nht t trc n gi, li nhun trc thu t 1452 t ng t mc tng trng 167% so vi nm 2006. Tng vn huy ng quy VN t 54.777 t ng , tng 155% v d n cho vay tng gn 136% t mc 34.317 t ng. Nhn chung tnh hnh huy ng vn v cho vay ca Sacombank t mc cao, tc tng trng cao hn bnh qun ngnh (c nc trung bnh cho vay 38% v huy ng vn t 37.5%)

SVTH: Trng Khnh Ha

Trang 26

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Chin lc pht trin di hn ca Sacombank

Mc tiu chin lc thi k 2007-2010 l quyt tm xy dng Sacombank tr thnh Ngn hng bn l, hin i, a nng, t mc trung bnh tin tin trong khu vc v tng bc hnh thnh mt Tp on ti chnh a chc nng, trong Sacombank l n v ht nhn trong giai on 2011-2020. V nng lc ti chnh Tip tc tng nhanh vn t c bng vic tng cng tch ly thng qua vic pht trin mnh cc qu d tr v d phng, phn u n cui nm 2010 vn t c t khong 16.000 - 16.500 t ng (tng ng 1 t dollars M). Trong , vn iu l tnh n nm 2010 t khong trn 11.500 t ng ch yu bng phng thc ti u t t c tc ca c ng hin hu. V tng ti sn Tng ti sn ca Sacombank n nm 2010 d kin s t mc ti thiu 155.000 t ng tng gp gn 10,5 ln so vi cui nm 2005. Trong , giai on 2007-2010 ngun vn huy ng t t chc kinh t v dn c tng trng bnh qun 60-65%. V hot ng tn dng Tng d n cho vay n cui nm 2010 d kin s t 82.000 - 85.000 t ng chim t trng 65% - 70% trn tng ngun vn huy ng, tng bnh qun mi nm khong 55% -60% so vi nm trc. Trong , d n cho vay nh, phn tn phi chim t trng 55% -60%. N qu hn chim t trng di 2%/ tng d n tn dng. V kinh doanh dch v Trong thi k k hoch 2006 - 2010, Sacombank s tp trung ht sc vo qu trnh pht trin m rng cc dch v ngn hng; quan tm c bit n cc dch v ngn hng in t, ngn hng quc t. D kin n nm 2010 thu nhp phi tn dng phi chim t trng khong 32% - 35% trn tng thu nhp ca ngn hng. V li nhun v cc ch tiu ti chnh Trong nhng nm 2007 - 2010 m bo li nhun trc thu tng bnh qun mi nm 55% - 60% so vi nm trc. T sut li nhun/ tng ti sn vo
SVTH: Trng Khnh Ha Trang 27

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

nm 2010 d kin t 1,7% -1,9% v t sut sinh li/ vn vo nm 2010 t 22% - 23%. V mng li hot ng Phn u n cui nm 2010, mng li chi nhnh ca Sacombank s c mt ti tt c cc tnh, thnh min Nam, min Trung v ti tt c cc tnh thnh kinh t trng im min Bc. D kin mng li hot ng ca Sacombank vo nm 2010 s t trn 320 im. ng thi tin hnh thnh lp cc chi nhnh ti cc quc gia ln cn, vn phng i din ti M, Chu u v Chu c. V h thng cng ngh thng tin Mc tiu t ra Sacombank phi l mt trong nhng ngn hng c h thng cng ngh thng tin hin i v tin tin nht trong h thng cc ngn hng thng mi trong c nc. V pht trin ngun nhn lc Ngun nhn lc c cht lng cao l yu t ct li p ng yu cu pht trin nhanh v bn vng. D kin n nm 2010 i ng CBNV ca Ngn hng t trn 5.800 ngi, Sacombank s khn trng xy dng Trung tm o to nhm p ng yu cu o to cn bn, o to chuyn su, o to nng cao v o to cn b qun l iu hnh cc cp. V ti cu trc t chc v hot ng ca Ngn hng Hon thin b my iu hnh theo dng sn phm hng v khch hng, khng ngng nng cao cht lng i ng cn b cng nhn vin theo hng chuyn nghip ha, tng cng k nng qun tr - iu hnh - gim st, ng thi trong nm 2007 hon tt chng trnh chun mc ha, m hnh ho cc quy trnh tc nghip nng cao nng sut lao ng v chm sc tt nht mi yu cu ca khch hng.

SVTH: Trng Khnh Ha

Trang 28

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 3: Quy Trnh Thanh Ton Bng L/C Nhp Khu Ti Sacombank
Nhng th tc cn thit khi m L/C ti Sacombank.
Giy yu c m L/C (theo mu). Hp ng ngoi thng (bn sao y). Hp ng bo him (nu c). Giy php nhp khu (mt hng nhp khu theo giy php). Hp ng bo lnh (L/C tr chm). Bn sao h s php l (i vi khch hng giao dch ln u tin). T trnh tn dng c duyt, phng n vay n (nu ngn hng c ti tr). n xin mua ngoi t. Giy y quyn c ngi i din giao dch vi ngn hng. Vn bn cam kt lch thanh ton (L/C tr chm).

SVTH: Trng Khnh Ha

Trang 29

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Quy trnh phng thc thanh ton bng L/C nhp khu ti Sacombank Quy trnh pht hnh L/C
Tip nhn h s

Kim tra, chuyn h s sang CBTD lm t trnh, thc hin m L/C

Kim sot v k duyt

Chuyn h s ln phng P TTQT Hi S

Duyt v chuyn in ln hi s

In in tr v t hi s, trnh k pht hnh, ng du L/C

Giao L/C gc cho khch hng

lu h s

a) Tip nhn v kim tra h s khch hng theo cc tiu ch sau: H s loi chng t t Chng t c ch k thm quyn

SVTH: Trng Khnh Ha

Trang 30

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Giy yu cu m L/C khng thiu cc chi tit quan trng, nu c chnh sa phi c du xc nhn chnh sa ca n v. Ni dung H bo him ph hp vi ni dung L/C yu cu m. b) Lp t trnh: Trn t trnh cn th hin: Hng ha nhp khu: mi lc, mc chuyn dng v mc ch s dng ti n v nhp khu c thuc din cm nhp hoc nhp khu c iu kin khng. Nh cung cp l i tc quen thuc ca nh nhp khu, c uy tn trn thng trng quc t. Trng hp c ti tr th h s ti tr c lp v lu theo ng c ch cho vay sn xut kinh doanh hin nay. c) Thc hin k qu, xut nhp ngoi bng, son v in in L/C: Tin hnh cc bc trong giao dch m L/C ca phn h ti tr thng miSmartbank thc hin k qu, nhp ngoi bng, son in L/C v in bn tho in MT700 t Smartbank. Cn c c gi tr php l duy nht son tho L/C l giy yu cu pht hnh L/C ca khch hng, H ch c gi tr tham kho. Kim tra ni dung bn tho in L/C. d) Trnh k v trnh duyt in pht hnh L/C Trnh ton b h s va thc hin bc trn cho kim sot/trng phng kim tra, c kin v trnh tip cho gim c. Trnh ban lnh o chi nhnh duyt k qu v v k duyt in pht hnh L/C chuyn in L/C ln hi s. Lu : Trng hp c ti tr khch hnh thanh ton L/C: phi hon tt h s vay song song vi h s L/C trnh ban lnh o chi nhnh duyt mt ln, L/C ch c pht hnh khi t trnh L/C c duyt. Trng hp bo lnh thanh ton tr chm: vic pht hnh L/C ch c thc hin khi hon tt h s cm c/ th chp ti sn ngn hng bo lnh v khng c hon li v bt c l do g. Trng hp trnh pht hnh L/C vt hn mc phn quyt ca GCN, GCN phi c kin xut, trnh Ban Tng Gim c.
SVTH: Trng Khnh Ha Trang 31

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

e) Hi s tip nhn, kim tra v x l h s t chi nhnh: Trng hp 1: H s pht hnh thuc hn mc GCN Kim tra ni dung L/C m bo cc iu khon quy nh r rng, hp l, khng mu thun nhau. Nu c mu thun gia bn tho v n xin m th cn c vo bn tho c ch k ca G iu chnh. Kim tra v xc nh li ngn hng nhn in L/C Trnh kim sot vin / trng phng hi s k i chiu file in MT700 chi nhnh gi ln bng smartbank v bn tho in GCN k duyt. Nu c sai bit th cn c vo bn tho in MT700 iu chnh. Trng hp 2: H s vt hn mc pht hnh ca GCN Thc hin cc bc nh trng hp 1 C kin xut trn t trnh v vic pht hnh L/C vt hn mc chi nhnh Trnh KSV hi s/ TP hi s k Trnh Ban Tng Gim c k duyt t trnh. f) Hi s chuyn in Swift ra nc ngoi: Sau khi h s pht hnh L/C c duyt, tin hnh duyt in t Smartbank qua Swift. Vo Swift duyt bc 1. Duyt in swift bc 2. Duyt in swift bc 3. Tr in v chi nhnh g) Hon tt h s pht hnh:

Ti hi s:

In in Swift M ba lu h s Ti chi nhnh: Nhn in 700 hi s chuyn v In in t Smartbank, trnh k GCN. Giao in L/C cho khch hng.
SVTH: Trng Khnh Ha Trang 32

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

M ba lu h s.

Quy trnh tu chnh L/C

Tip nhn h s

Kim tra, hon thin tu chnh

Kim sot v k duyt

Chuyn h s ln hi s

Duyt v chuyn in ln hi s

In in tr v t hi s

Giao in L/C cho khch hng

Nhp ba, lu h s

a) Tip nhn v kim tra h s: Tip nhn giy yu cu tu chnh ca khch hng. Kim tra ni dung yu cu tu chnh. Nu yu cu tu chnh cha hp l, yu cu khch hng chnh sa.
SVTH: Trng Khnh Ha Trang 33

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

b) X l h s: Thc hin k qu, hch ton ngoi bng (TH tu chnh tng tin). Thc hin cc bc trong giao dch tu chnh L/C-phn h TTTM, Smartbank v son in MT707. Cn c duy nht son in tu chnh l giy yu cu tu chnh ca khch hng. In in tu chnh t Smartbank. c) Trnh k v trnh duyt in Smartbank chuyn ln hi s Trnh ton b h s va thc hin cho KSVCN/TP kim tra, c kin trnh tip GCN. Trnh GCN k duyt, ng du ln bn tho in tu chnh Trnh GCN duyt in tu chnh trn Smartbank Chuyn in ln hi s d) Hi s tip nhn v x l h s t chi nhnh: Kim tra ni dung tu chnh m bo cc iu khon tu chnh r rng, hp l khng gy bt li cho ngn hng. Nu c bt hp l trn bn tho in th cn c vo bn tho in c ch k ca GCN iu chnh.Trnh kim sot/TP k trn bn tho in. Nu tu chnh tng tin vt hn mc CN, trnh h s qua lnh o phng c kin trc khi trnh ban TG. i chiu file in MT707 chi nhnh gi ln bng smartbank v bn tho in GCN duyt. nu c sai bit th cn c vo bn tho in MT707 iu chnh. e) Duyt v chuyn in Swift ra: TTVHS duyt trn Smartbank cn c trn cc chnh sa trn bn tho c y ch k ca GCN v TP TTQT, chuyn in t Smartbank qua Swift. Duyt in Swift bc 1, bc 2, bc 3 Tr in v chi nhnh. f) Hon tt h s tu chnh: Ti hi s: In in Swift, M ba lu h s. Ti chi nhnh:
SVTH: Trng Khnh Ha Trang 34

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

In in, giao in tu chnh cho khch hng, m ba lu h s

Tip nhn BCT

Kim tra BCT theo L/C m

BCT bt hp l

Gi thng bo BHL

BCT hp l

X l chng t BHL

K hu vn n cho KH

Kim sot v k duyt

Kim sot v k duyt

Giao in B/L v BCT bn chnh cho khch hng Nhp ba, lu h s

Quy trnh x l L/C

a) Tip nhn BCT t nc ngoi gi v M b th, ng du Chng T n. Lu li mt b photo cc chng t cng ch dn thanh ton (cover letter) ca ngn hng nc ngoi. b) Kim tra BCT:
SVTH: Trng Khnh Ha Trang 35

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

C s kim tra: L/C do Sacombank pht hnh UCP theo qui nh trong L/C Thng bo BCT v cho khch hng bng phng tin nhanh nht trong vng 24h khch hng chun b ngun thanh ton `Cp nht d liu chng t v vo Smartbank theo di ngy n hn thanh ton v cp nht ln ba h s 2 chi tit chnh: ngy chng t v, tr gi BCT Nu BCT hp l, yu cu khch hng np tin thanh ton v trao ton b BCT gc cho khch hng (tr Cover Letter gc). Nu BCT bt hp l, chuyn ln hi s bn gc Cover Letter, bn sao Hi Phiu, Invoice, B/L v cc chng t khc c bt hp l c) X l chng t BHL: Gi thng bo BHL: Son in thng bo BHL trn Smartbank, in in trnh KSVCN/TPCN kim tra v trnh tip GCN k v duyt trn Smartbank. Gi thng bo cho phng TTQT: ngy Fax thng bo BHL cho P.TTQT chm nht 16h ngy lm vic th 5 k t ngy chng t n chi nhnh, ghi r cc im sai bit. Thng bo cho khch hng, chi nhnh ch c thng bo cc BHL cho khch hng bng vn bn sau khi thng nht vi P.TTQT. P.TTQT tip nhn h s t chi nhnh v kim tra h s Trnh lnh o phng k Duyt in trn Smartbank chuyn vo Swift Duyt Swift bc 1, bc 2, bc 3 Kt ni Swift, chuyn in ra nc ngoi. Chuyn in v chi nhnh, ch nhnh in in giao cho khch hng Gia hn thanh ton: Vic gia hn thanh ton phi c hon tt trc ngy o hn L/C Nhn vn bn ca KH Thc hin cc bc trn Smartbank, son in ngh nc ngoi gia hn thanh ton.
SVTH: Trng Khnh Ha Trang 36

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Trnh KSVCN/TPCN c kin v trnh tip GCN k bn tho v duyt in trn Smartbank chuyn v hi s. TTVHS duyt in trn Smartbank trnh KSVHS/TPHS k Duyt in Smartbank qua Swift. Kt ni chuyn in ra nc ngoi v chuyn in v chi nhnh Chi nhnh thng bo cho khch hng kt qu khi nhn in ca hi s. Cp nht ngy thanh tan mi nu c gia hn Gim gi tr thanh ton: Thc hin ging nh gia hn thanh ton tr trng hp ngn hng chuyn chng t ch ng gi in ng gim gi tr thanh ton. Hon tr BCT: Vic t chi thanh ton v vic hon tr BCT ch c thc hin khi c vn bn chnh thc ca khch hng vi iu kin: BCT bt hp l C in yu cu ngn hng hon tr chng t Xc nh thng v c tch cht la o Nhn vn bn ca KH, lp phiu ngh, trnh KSVCN/TPCN v GCN k ri chuyn BCT v 2 vn bn ny ln P.TTQT. TTVHS bo qun ton b BCT nghim ngt Lp Cover Letter hon tr BCT khi nhn din c mt m ng thu hi li BCT ca ngn hng chuyn BCT, trnh KSVHS/TPHS v ban TG k. Photo ton b bn gc BCT lu h s Chi nhnh thu ph pht sinh Cp nht pht sinh vo chng trnh Smartbank v ba h s. d) K hu vn ti n/ pht hnh th bo lnh nhn hng: Chi nhnh ch c k hu vn ti n cho KH khi h hon thnh ngha v vi ngn hng (np tin thanh ton, hon tt th tc cm c, th chp v qun chp hng ha-nu c yu cu ti tr). Trch chuyn tin tp trung thanh ton vo ti khon k qu hoc phong ta phn tin ch thanh ton nu BCT cha v n nhm trnh tnh trng ti khon khng s d thanh ton.
SVTH: Trng Khnh Ha Trang 37

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Giao vn n v BCT bn chnh cho KH k nhn Lu bn sao vn n c GCN k hu vo h s L/C

SVTH: Trng Khnh Ha

Trang 38

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Quy trnh thanh ton L/C

Lp phiu thanh ton

Son in thanh ton

K qu b sung

Kim sot v k duyt

Chuyn h s ln P. TTTM

Duyt v chuyn in ln hi s

In in tr v t hi s

Giao bn in thanh ton, chuyn khon cho khch hng

Tch chng t giao k ton,, lu h s

a) L/C tr ngay BCT hp l: phi thanh ton trong vng 7 ngy lm vic(p61i vi UCP 500) v 5 ngy (i vi UCP 600) t ngy nhn chng t. BCT c BHL: khi thanh ton phi phiu ngh k hu vn n c ch k xc nhn ca GCN.
SVTH: Trng Khnh Ha Trang 39

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

GDVCN cho khch hng k qu b sung v, xut ngoi bng,lp phiu thanh ton theo mu 02-TTQT. GDVTK xc nhn s d hch ton. Tin hnh son in MT202, MT576, MT999(nu c) trn chng trnh Smartbank, in in trnh k kim sot cc bc 1 v 3 qua KSCVN/TPCN, trnh tip ton b h s v B/L (k hu) cho GDCN. Duyt in chuyn ln hi s ng thi chuyn bn tho in, phiu thanh ton c ch k GCN v phiu chuyn khon v hi s. Hi s cn c vo in MT202 chnh sa cho ng k thut thanh ton, duyt in Smartbank vo Swift v chuyn in ra nc ngoi. Sau chuyn in duyt v cho chi nhnh. Cp nht v m ba lu h s. Chi nhnh nhn in t hi s, in in, giao in cho khch hng, tch chng t giao k ton v lu h s. b) L/C tr chm: Sau khi nhn hi phiu c khch hng k chp nhn thanh ton, chi nhnh chuyn phiu ngh i in chp nhn thanh ton ln hi s, n ngy o hn mi thc hn thanh ton nh trn. c) L/C xc nhn: Vic pht hnh, tu chnh, thanh ton s c x l theo tng trng hp ty theo yu cu c th ca khch hng v ca ngn hng xc nhn.

Quy trnh hy L/C

a) Hy L/C cn hiu lc iu kin: L/C khng hy ngang ch c hy khi c s ng ca cc bn tham gia. Ch c thc hin yu cu hy L/C ca KH khi BCT cha c xut trnh hoc thanh ton ht cc BCT xut trnh.
Ngi m yu cu hy L/C:

GDVCN tip nhn, kim tra iu kin hy. Tin hnh cc bc trn smartbank, son in hy L/C gi n ngn hng ngi th hng yu cu h thng bo n cho ngi th hng v in xc nhn li cho Sacombank.
SVTH: Trng Khnh Ha Trang 40

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Trnh KSVCN/TPCN kim sot v trnh tip GCN duyt. Chuyn bn tho v truyn in ln P.TTQT P.TTQT kim tra v duyt in theo ni dung bn tho ri kt ni chuyn in ra nc ngoi. Sau khi nhn c in tr li t nc ngoi xc nhn ngi th hng ng hy L/C. P.TTQT giao in cho chi nhnh. GDVCN tin hnh gii ta tin k qu cho KH, ng thi thu cc ph pht sinh, xut ngoi bng v ng h s.
Ngn hng thng bo yu cu hy L/C:

GDVCN nhn in t P.TTQT, thng bo ngay cho ngi m L/C v ngh tr li bng vn bn. Sau khi nhn c vn bn tr li t KH, nu ngn hng nc ngoi yu cu, chi nhnh phi son in phc p, trnh KSVCN/TPCN k, ri chuyn bn tho v file in ln P.TTQT gi ngn hng nc ngoi. TTVHS kim tra ni dung bn tho in, trnh k KSVHS+TPHS. Tin hnh duyt in Smartbank v y in ra nc ngoi qua Swift. Nu L/C c hy, GDVCN tin hnh gii ta tin k qu cho KH ng thi thu cc ph pht sinh, xut ngoi bng v ng h s. b) Hy L/C ht hn hiu lc GDVCN tin hnh gii ta k qu cho KH ng thi thu cc ph pht sinh, xut ngoi bng v thng bo cho hi s ng h s vi iu kin. L/C ht hn hiu lc sau 15 ngy, KH phi yu cu hy bng vn bn. L/C ht hn hiu lc cha n 15 ngy, KH phi cam kt m bo thanh ton nu sau khi rt tin k qu, c chng t gi n ph hp vi iu kin v iu khon ca L/C. Trng hp L/C ht hn hiu lc 3 thng tr ln v khng nhn c vn bn ngh ca KH. Chi nhnh lp vn bn thng bo cho KH, ngh KH c kin v vic ng h s. Nu KH ng ng h s, GDVCN thu ph, xut ngoi bng ng thi thng bo cho Hi s.

SVTH: Trng Khnh Ha

Trang 41

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

nh gi quy trnh thc hin:

a) Thun li: Quy trnh thc hin phng thc thanh ton chng t nhp khu ca Sacombank c chun ha theo mt m hnh v tiu chun hp l t giai on pht hnh L/C cho n giai on kt thc. Thi gian pht hnh mt L/C cho khch hng nhanh chng, th tc n gin. Mi giai on ca mt quy trnh lun lun c thc hin qua hai bc kim duyt t cp chi nhnh v mt bc kim duyt t hi s m bo chnh xc v hn ch ri ro cho c pha khch hng ln ngn hng Sacombank. S dng h thng x l Smartbank online trn ton h thng, giao din thn thin, d s dng, lun lun cp nht kp thi s d ti khon ca khch hng m bo thanh ton kp thi cho cc khch hng. Trnh nhn vin giao dch cao,lm vic chuyn nghip. trong qu trnh kim tra b chng t chnh xc v nhanh chng, to iu kin thun li cho khch hng l cc doanh nghip nhu khu. Vic thanh ton ph c thc hin theo tng giai on r rng cho khch hng d hiu v thun tin cho vic kim ton v sau. Vic lu h s khch hng c phn chia nhm qun l nhng khch hng giao dch thng xuyn v khch hng mi c nhng chnh sch cng nh u i i vi tng loi khch hng.
b) Hn ch:

H thng x l Smartbank vn cn nhiu bt cp, thng xuyn xy ra tnh trng treo h thng, qu trnh to bo co mt nhiu thi gian dn n cng tc thc hin ca cc giao dch vin b chm tr, mt thi gian ch i ca khch hng. Cha p dng tiu chun cht lng ISO Vic trnh k nhiu ln cng l mt trong nhng nguyn nhn lm cho tin thc hin b gin on. Chng t k ton cn nhiu loi.

SVTH: Trng Khnh Ha

Trang 42

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Tnh hnh hot ng ca phng TTQT qua cc nm

Tnh hnh xut nhp khu ca Vit Nam trong nhng nm qua Sacombank l mt trong nhng ngn hng thng mi ln nht Vit Nam, tuy khng ging ngn hng ngoi thng (Vietcombank) c b dy kinh nghim v mng li khch hng xut nhp khu rng ln, nhng c s quan tm ca ban lnh o ngn hng, cng vi s vn ln ca bn thn, hot ng TTQT ca Sacombank cng nh dch v thanh ton bng L/C nhp khu tng bc trng thnh v khng nh c v tr ca mnh trn th trng TTQT Vit Nam v cng si ng v cnh tranh quyt lit. Tnh hnh xut nhp khu trong nhng thi gian qua:
(tc tng trng so vi nm trc)
n v: t USD Kim ngch XNK Tc tng trng Xut khu Tc tng trng Nhp khu Tc tng trng

2005 69.42 18.8% 32.44 2006 84.7 22% 39.8 2007 111.2 31.3% 48.5 (Tng cc hi quan www.gso.gov.vn)

22.4% 22.8% 21.9%

36.98 44.9 62.7

15.7% 21.4% 40%

Trong 3 nm va qua, kim ngch xut nhp khu u tng, c bit trong nm 2007, vi vic Vit Nam tr thnh thnh vin ca T chc thng mi th gii (WTO), tng kim ngch xut khu t 111.2 t USD t mc tng trng cao nht t trc n nay vi 31.3%, trong nhp khu lun chim mt t trng ln trong tng kim ngch xut nhp khu, tng kim ngch nhp khu tng gn 40% so vi nm 2006. Vic mi tham gia vo nn kinh t ton cu, hp tc vi nhiu i tc mi nc ngoi th vic thanh ton bng phng thc tn dng chng t l ph bin nht. Vic tc tng trng hng nhp khu tng ng ngha vi vic thanh ton vi i tc nc ngoi l kh ln. Do y va l mt c hi cho b phn thanh ton quc t va l mt p lc cho ngn hng Sacombank ni ring v h thng cc ngn hng ni chung.

SVTH: Trng Khnh Ha

Trang 43

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Nhng kt qu tch cc:

Doanh s TTQT (n v: t USD)

Tng DT TTQT Tng trng

2005 1.52 25%

2006 1.92 26%

2007 3.1 60%

( Bo co thng nin Sacombank 2005, 2006, 2007)

3.5 3 2.5 t USD 2 1.5 1 0.5 0 2005 2006 Tng DT TTQT Tng trng 2007 25% 1.92 1.52 26% 70% 60% 50% 40% 30% 20% 10% 0% %

3.1 60%

Doanh s ca Sacombank trong lnh vc hot ng thanh ton quc t tng u qua cc nm. Trong nm 2007 doanh s t hot ng ny t gn 3.1 t USD, tng gn 60% so vi nm 2006. Cng vi s tng trng ca tng kim ngch xut nhp khu ca c nc ta, s gia tng doanh s ca phng TTQT , c bit trong nm 2007 doanh s TTQT tng n gn 60% cho thy Sacombank c c tm nhn xa, bit nm ly thi c, c hi ca s kin Vit Nam gia nhp WTO v c nhng chin lc pht trin ng n, nhng chnh sch ti tr thng mi hiu qu cho cc doanh nghip xut nhp khu v li ko c nhiu khch hng v Ngn hng. Doanh s tng ng ngha vi vic ngy cng c nhiu khch hng s dng dch v ca Ngn hng v gi tr thanh ton ngy cng ln, y l mt thnh tu ng khch l. Cng vi vic t c doanh s TTQT cao, tnh t u nm 2007, 4 ln Sacombank nhn gii thng ln v thanh ton quc t t cc ngn hng danh
SVTH: Trng Khnh Ha Trang 44

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

ting trn th gii gm: HSBC, Wachovia, Standard Chartered v American Express.
Tng s tin ca th tn dng quy i VND cn hiu lc cho n cui nm: (VT: triu VND)

Nm L/C tr ngay L/C tr chm

2005 1. 119.224 83.389

2006 2.103.415 119.213

2007 5.873.117 265.046

(Bo co thng nin Sacombank 2005, 2006, 2007)

Cho n cui nm 2007 va qua , tng s d thanh ton ton bng LC tr ngay quy i cn hiu lc ln n con s 5.873.117 triu VND, trong khi L/C tr
6000000 5000000 4000000 3000000 2103415 2000000 1119224 1000000 83389 0 2005 2006 2007 119213 265046 5873117

triu VND

tr ngay

tr chm

chm ch t 265.046 triu VND, s chnh lch ny cho thy vic thanh ton bng L/C tr ngay chim mt t trng ln trong tng gi tri thanh ton bng L/C, con s ny cn ni ln hot ng phng thc thanh ton bng L/C chim mt t trng kh ln trong hot ng TTQT ni chung ca Sacombank Tng gi tr quy i ca dch v thanh ton bng L/C tng u qua cc nm, c bit vic tng nhanh t con s 2.103.415 triu VND ln n 5.873.117 triu VND trong mt nm cho thy hot ng thanh ton bng LC ca Sacombank chim mt t trng ln nht trong cc phng thc thanh ton nh D/P, D/A, TTR v t c mt kt qu kh quan nht nh, c bit trong bi cnh nn kinh t cnh tranh quyt lit ca cc h thng ngn hng vi nhau.
SVTH: Trng Khnh Ha Trang 45

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Mng li i l ngn hng ngy cng c m rng: Nm S i l 2005 6500 2006 8900 2007 9700

(Bo co thng nin Sacombank 2007)

Vit Nam gia nhp WTO ng ngha vi vic cc doanh nghip m rng quan h mua bn vi nhiu i tc nc ngoi trn th gii. nm bt c c hi cng vi vic thc hin chnh sch i ngoi m rng, a dng ha, a phng ha cc quan h i l trn nguyn tc bnh ng cng c li, t nm 2005 n nay, Sacombank khng ngng m rng quan h i l vi cc ngn hng nc ngoi. S lng ngn hng i l v s nc thit lp quan h i l vi Sacombank ngy cng nhiu. T ch hon ton khng c quan h vi nc ngoi trong nhng nm u, n nm 2007, Sacombank c hn 9700 i l thuc 250 ngn hng ti 91 quc gia trn ton th gii. Thng hiu ca Sacombank ngy cng c nng cao: Cng vi vic thit lp nhiu mi quan h i l vi cc ngn hng ln trn th gii, Sacombank ang ngy cng khng nh mnh trn con ng hi nhp quc t, ngy cng c nhiu i tc ln nc ngoi bit n, cng l mt trong nhng tin gip cho Sacombank ngy cng pht trin vng mnh h thng TTQT. i vi mt nc c truyn thng nhp khu ln nh Vit Nam th vic chn mt ngn hng c nhiu i l trn th gii l mt u tin hng u ca cc doanh nhip nhp khu, gip h hn ch ti a v mt chi ph khi khng phi thng qua nhiu trung gian ngn hng khc. V Sacombank c bit n nh l mt trong nhng ngn hng c mng li i l rng khp Vic xy dng hon thnh Trung tm d liu ln nht trong h thng ngn hng u nm 2008 va qua cng l mt thnh tu to ln gp phn vo vic pht trin h thng TTQT ni ring v ton b h thng x l giao dch ca Sacombank ni chung.

SVTH: Trng Khnh Ha

Trang 46

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Nhng mt hn ch: Bn cnh nhng kt qu kh quan th hot ng TTQT ca Sacombank cng bc l nhng hn ch nht nh. i vi mt nn kinh t ang pht trin nh Vit Nam vi tng kim ngch xut nhp khu ln n 111.2 t USD trong nm 2007, m doanh s thanh ton quc t ca Sacombank ch t c 3.1 t USD, chim cha n 3% tng kim ngch xut nhp khu ca c nc, trong khi , doanh s thanh ton xut nhp khu ca Vietcombank t 26.32 t USD, chim hn 23% mc cho s cnh tranh khc lit v t gi, li sut chit khu; ph thanh ton, th tc thanh ton; dch v chm sc, phc v khch hng v.v ..iu ny cho thy hot ng TTQT ca Sacombank ch chim mt th phn nh trong ton h thng ngn hng cha xng ng vi quy m cng nh mng li hot ng ca Sacombank. Xt trn phm vi ton quc, th phn TTQT ni chung v th phn thanh ton hng nhp ni ring ca Sacombank khng thc s cnh tranh lm. Sacombank cha p dng tiu chun qun l cht lng theo tiu chun quc t, cha to c lng tin tuyt i t pha khch hng. Ph dch v cha mang tnh cnh tranh cao (ph k hu vn n ti Sacombank l 5 USD, trong khi ti ACB ch c 2 USD) Dch v thanh ton quc t ti Sacombank cha mang tnh cnh tranh cao, cha c tiu ch phn loi khch hng r rng c nhng u i cho tng i tng khch hng c th, iu ny c th lm gim mc tn nhim ca khch hng i vi ngn hng Cha xy dng c s nh gi nng lc lm vic ca nhn vin thc s c th, nn khng c tc dng kch thch nhn vin phn u hn trong cng vic. S cnh tranh v doanh s so vi cc ngn hng khc trong h thng cha cao: VCB c doanh s thanh ton xut nhp khu ln nht vi khch hng l cc doanh nghip xut khu ln, Ngn hng ng ng u v doanh s chi tr kiu hi v c nghip v kinh doanh ngoi t pht trin; ACB vi chin lc marketing rt chuyn nghip. Cng ngh ngn hng cha cao: hin nay Sacombank s dng chng trnh Smartbank do FPT cung cp qun l v x l cc giao dch pht sinh hng
SVTH: Trng Khnh Ha Trang 47

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

ngy. Chng trnh Smartbank vn cn nhiu bt cp khi s lng truy cp h thng cng lc ln , trong khi ACB v EAB c nhng h thng x l giao dch c kh nng x l ln hn (ACB s dng chng trnh TCBS, cn EAB s dng chng trnh Flexcube nh gii php ngn hng li)

SVTH: Trng Khnh Ha

Trang 48

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 4: Gii Php V Xut Nhm Nng Cao

Cht Lng Dch V Thanh Ton Tn Dng Chng T Ni Ring V Hot ng TTQT Ni Chung Ti Sacombank
Mc ch vic a ra cc gii php
Vi mc tiu chin lc l quyt tm xy dng v pht trin Sacombank tr thnh mt Ngn hng bn l hin i a nng t mc tin tin trong khu vc, c bit n vi cht lng sn phm dch v tt v phong cch phc v chuyn nghip. Vi nh hng nh vy, Sacombank cn phi n lc hon thin mnh tng trong t khu, tng lnh vc c th tha mn nhng yu cu ca khch hng, k c khch hng kh tnh nht, to cho khch hng s hi lng tuyt i, c lng tin vo dch v m Sacombank cung cp. c bit trong lnh vc TTQT, mt trong nhng mi nhn em li li nhun cao cho Ngn hng

Gii php v quy trnh thanh ton bng L/C nhp khu
Quy trnh thanh ton cn lun lun c cp nht, b sung, sa i trc tip t cc qui trnh thc t ca cc giao dch vin, cng nh t nhng thay i v cc iu l v quy nh ca ICC cho ph hp vi quy trnh thanh ton ca th gii. Cn nng cp v ci tin phn mm qun l Smartbank, trnh tnh trng h thng thng xuyn b treo lm chm tin thc hin. Nn p dng theo mt tiu chun thanh ton quc t to v nng cao nim tin cng nh s tin tng ca khch hng. C nhng chnh sch u i dnh cho nhng khch hng ln v thng xuyn thanh ton bng th tn dng thng qua h thng ngn hng. B phn TTQT cn gi quan h cht cht ch v mt thit vi b phn tn dng lun lun cp nht v b sung h s ca khch hng mt cch thng xuyn.
SVTH: Trng Khnh Ha Trang 49

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Hn ch v gim thiu nhng chng t k ton khng cn thit hoc kt hp chung gim tnh phc tp, tit kim thi gian nhn vin giao dch lm thay cng vic k ton. c im kinh doanh ca Sacombank trong hot ng thanh ton quc t l hot ng nhp khu chim mt t trng ln hn rt nhiu so vi hot ng xut khu, do gp nhiu kh khn trong vic cn i ngun ngoi t.. V vy Ngn hng cn c nhng chnh sch, chng trnh ph hp thu ht khch hng c ngun thu ngoi t ln nhm ti to v cn bng ngun ngoi t. Nhu cu nhp khu ca doanh nghip Vit Nam l rt ln, a s thanh ton bng vn vay. Do khi s dng ht hn mc vay ti ngn hng ny, khch hng s tm n mt ngn hng khc xin cp mt hn mc tn dng khc nhp khu, cng l tnh trang chung hin nay ca cc doanh nghip nhp khu. V vy Sacombank cn c nhng chnh sch u i v hn mc tn dng i vi nhng khch hng ln v tim nng, thng xuyn giao dch vi ngn hng. thc hin tt vic ny, phng TTQT cn kt hp vi phng tn dng, cn b tn dng cn lm tt cng tc thm nh d n, qun l ti sn m bo nh gi chnh xc nng lc ti chnh doanh nghip, xp loi cht lng tn dng cho tng khch hng, trn c s xy dng nhng hn mc m L/C, hn mc chit khu b chng t. Xc lp nhng chi nhnh Ngn hng hot ng tt, c doanh s cao nng cao hn mc m L/C cp chi nhnh, to iu kin cho vic thanh ton nhanh chng, tin li. V thanh ton bng L/C nhp khu l mt trong nhng hot ng ch yu ca Ngn hng Sacombank trong hot ng thanh ton quc t, do cn tng cng cc cng tc kim tra kim sot hot ng, quy trnh mt cch thng xuyn nhm n bo thc hin ng quy trnh, php lut, ph hp thng l quc t, nhanh chng pht hin ra sai st x l kp thi.

Gii php v hot ng TTQT ti Sacombank:

SVTH: Trng Khnh Ha

Trang 50

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

O
ln. Chnh sch XNK ngy thong. cng thng Vit Nam l thnh vin t chc WTO. Tng gi tr kim ngch XNK Vit Nam

T
Nhiu ngn hng 100% vn nc ngoi ang thm nhp vo VN. Cnh tranh quyt lit gia cc ngn hng trong nc.

SWOT

S
C h thng ngn hng i l rng khp trn th gii. Mng li hot ng rng ln. Trnh TTQT cao NV

S1/O1 S3/O2, O3

S2, S3/ T1, T2

Chin H

lc

Marketing cn yu. thng phn mm giao dch cn nhiu vn

W1/O1,O2

W1/T1,T2

Kt hp cc im mnh, im yu ca Sacombank vi cc c hi v e da t mi trng bn ngoi, c th a ra mt s gii php sau:

Kt hp S/O

SVTH: Trng Khnh Ha

Trang 51

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

S kin Vit Nam gia nhp WTO trong nm va qua l mt cn hi ln cho cc t chc ti chnh ni chung v Sacombank ni ring, tranh th s kin Sacombank cn kt hp nhng im mnh ca mnh nh thit lp thm nhiu quan h i l vi cc ngn hng c uy tn trn th gii. vic m rng quan h i l s cho ta hc hi c phong cch lm vic v cc phng thc TTQT hin i ca cc ngn hng ln trn th gii. Tng bc thm nhp vo th trng ti chnh tin t th gii bng cch m cc vn phng ai din ti nc ngoi, m vic thnh lp vn phng i din ti Trung Quc trong nm va qua l mt bc khi u. Lun lun nng cao kin thc chuyn mn v thc tin cho nhn vin giao dch TTQT cho ph hp vi tin pht trin ca th gii. Kt hp S/T i cng vi nhng c hi to ln khi Vit Nam gia nhp WTO l nhng thch thc v e da khng nh. Vi mt h thng mng li rng ln sn c, Sacombank cn tip tc m rng h thng chi nhnh trong c nc, ph hp vi mc tiu chin lc l c mng li hot ng tri di t Bc vo Nam, va tranh th c l trnh thm nhp vo Vit Nam ca cc t chc ti chnh ln trn th gii pht huy th mnh v chim mt th phn ln, va nng cao v th cnh tranh ca Sacombank i vi cc ngn hng trong nc. Vic m rng h thng chi nhnh s to c hi cho Sacombank tip cn c nhiu hn vi cc doanh nghip v hot ng TTQT cng s c y mnh hn.
Kt hp W/O, W/T

Xy dng chin lc Marketing bi bn, chuyn nghip, qung b hnh nh Sacombank khng ch trong nc v khu vc m cn m rng ra ton th gii. Kt hp vi nhng chng trnh khuyn mi thu ht thm nhiu khch hng nhm nng cao th phn TTQT ca Sacombank so vi cc ngn hng khc. Cn nng cp h thng phn mm giao dch, ci tin quy trnh lm vic cho chuyn nghip, ph hp vi trnh chung ca th gii, nhm nng cao

SVTH: Trng Khnh Ha

Trang 52

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

nng lc ca Sacombank so vi cc tp on ti chnh ln trn th gii khi h thm nhp vo Vit Nam. a dng ha sn phm dch TTQT, tm hiu v pht trin nhng phng thc thanh ton cn mi Vit Nam.

Gii php v qun l o to.

hn ch a cc ri ro trong thanh ton bng th tn dng nhp khu, cc cn b phng TTQT phi thng xuyn cp nht, b sung kin thc v php lut quc gia v quc t. Nm vng cc quy nh quy ch c lin quan n hot ng thanh ton bng chng t nhp khu ca Ngn hng nh nc. Cc giao dch vin lun nm vng cc quy trnh nghip v ca phng thc thanh ton nhp khu, cc thao tc x l v vai tr ca mnh trong tng giao dch, thc hin tun th cht ch cc bc trong quy trnh nghip v. Ch ng thng xuyn t chc cc bui hi tho chuyn , phi hp vi cc c quan t chc cc lp tp hun nghip v c lin quan n TTQT, gi cn b i o to nghip v ti cc ngn hng ln trn th gii. Tiu chun ha cc cn b lm cng tc TTQT: b tr cc cn b nng lc trnh chuyn mn v ngoi ng ph hp vi cng vic. Thng xuyn cp nht nhng thng tin quc t nhm to iu kin cho cn b bt kp tnh hnh bin ng ca th gii. Cn thit lp c s nh gi nng lc lm vic ca nhn vin mt cch r rng, c th. Thanh ton quc t l mt lnh vc kh c th xc nh nhng tiu ch nh gi ng nng lc ca nhn vin, v th b phn nhn s nn c nhng ch tiu nhm nh gi kh nng lm vic ca nhn vin. C c ch chnh sch khuyn khch bng cch hnh thc vt cht hoc khen thng cho cc cn b TTQT t hc nng cao trnh ph hp vi cng v c giao.

Gii php v cng ngh.

Hin i ha cng ngh ngn hng theo trnh ca mt tp on ti chnh ln trong khu vc., iu ny khng ch nng cao cht lc dch v TTQT ti
SVTH: Trng Khnh Ha Trang 53

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Sacombank m cn cung cp cho ngn hng mt cng c hu hiu qun l hot ng TTQT trong ton h thng. Vic xy dng Trung tm d liu tnh Bnh Dng va qua c xem nh l bc i u tin trong vic hin i ha cng ngh. Hin i ha ngn hng vi s h tr ca cc chuyn gia quc t trong ton h thng Sacombank. Pht trin v nng cao cc h thng, ch bo mt cc phng ban, nng cao mc chnh xc an ton, bo mt trong giao dch, hn ch c nguy c b xm nhp h thng. Song song vi vic hin i ha cng ngh, Sacombank cn nghin cu, tm hiu v m rng cc phng thc thanh tan quc t p dng ti Vit Nam nhm nng cao nng lc cnh tranh ca mnh so vi cc cc ngn hng khc trong cng khi.

Gii php v Marketing

Tm hiu hot ng thanh ton quc t ti cc Ngn hng ln trn th gii hc tp v ci tin nhng iu m Sacombank cn yu km trong nghip v v t chc qun l. Tm hiu chin lc cnh tranh m cc Ngn hng khc ang p dng c chin lc ph hp-trc mt l cc Ngn hng trong nc v di lu l nhng ngn hng nc ngoi. Xy dng mt phng quan h khch hng hon chnh v hiu qu, l cu ni gia Sacombank v khch hng. Cn b l TTQT lun bn rn vi vic gii quyt nhng nghip v pht sinh hng ngy nn khng c nhiu thi gian hng dn v tm hiu tm t khch hng. Trong khi vn c rt nhiu khch hng cn c hng dn v gip mc khc nhau. Do phng quan h khch hng ng vai tr kh quan trng trong vic tm hiu v tm kim khch hng. Xy dng li biu ph hp l mang tnh cnh tranh cao Cn phi lu n vai tr ca cc dch v b sung trong chnh sch sn phm ca mnh. Nhng dch v cng thm ny khng nhm mc ch sinh li
SVTH: Trng Khnh Ha Trang 54

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

cho ngn hng, nhng trong trong iu kin mi trng cnh tranh nh ngy nay, chng s gip ngn hng duy tr c lng khch hng hin hu, lm tng s trung thnh ca h v thu ht thm khch hng mi. Vi vic thc hin nhng dch v b sung c hiu qu s l mt li th cnh tranh ca ngn hng so vi cc i th trn th trng. T vic tip xc vi khch hng thng xuyn, phng quan h khch hng s c c nhng thng tin phn hi tt nht t khch hng tham mu cho ban lnh o v phng TTQT c nhng chnh sch khch hng hp l, tng kh nng p ng yu cu ca khch hng v dch v TTQT ca Sacombank. Xy dng mt chin lc Marketing bi bn v chuyn nghip, gp phn nng cao uy tn, thng hiu Sacombank trong khu vc v quc t. Cn p dng h thng qun l cht lng ISO 9001:2000, v ISO 9000 l mt trong cc tiu chun thng mi quan trng v nh mt chng ch tham gia vo th trng quc t v c bit qun l hng vo khch hng, p ng mt cch tt nht nhu cu ca khch hng, t nng cao sc cnh tranh ca doanh nghip trn thng trng. Nhng ngn hng khng c c chng nhn ISO, sc cnh tranh km v s chu nhiu thua thit Tng bc thit lp quan h v m cc vn phng i din ti cc nc trong khu vc tm hiu v thm nhp vo th trng ti chnh tin t th gii, nhm nng cao tnh chuyn nghip v gp phn thc y Sacombank tr thnh mt tp on ti chnh ln.

Gii php v vic la chn v pht trin cc ngn hng i l

Tng cng hp tc quc t trong hot ng TTQT, cng c mi quan h i ngoi vn c vi cc ngn hng i l nc ngoi. Tip tc m rng quan h ngn hng i l vi cc ngn hng nc ngoi theo nh hng la chn cc ngn hng, cc i tc nc ngoi c uy tn, ph hp trong tng lnh vc xy dng cc mi quan h ngn hng i l cht ch. Nhng thun li ca vic s dng mi quan h vi cc ngn hng i l l chi ph thm nhp th trng nc ngoi thp, hc hi c nhng kinh nghim cng nh cng ngh ca h.
SVTH: Trng Khnh Ha Trang 55

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Vic m rng quan h i l cn l mt trong nhng yu t gip li ko khch hng v Sacombank do chi ph thanh ton v trung gian cho vic thanh ton nc ngoi thp hn so vi mt ngn hng trong nc khng c quan h i l vi nc ngoi. nh k nh gi, cp nht thng tin v ngn hng i l c s iu chnh quan h i l ph hp vi tnh hnh vn ng ca th gii. nh gi uy tn ca cc ngn hng nc ngoi theo tiu chun quc t nhm lc chn nhng ngn hng i l c uy tn cao trn th trng quc t. vic nh gi ny phi da vo nhng ti liu ca cc t chc quc t c uy tn,c tin cy cao. Mt s tiu ch nh gi uy tn ca cc ngn hng i l: Mi trng kinh t ton cu Nhng thnh tu t c. Uy tn, thng hiu

SVTH: Trng Khnh Ha

Trang 56

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 5: Mt S Kin Ngh

Mt s kin ngh vi Nh nc:
Nh nc cn xy dng v hon thin h thng php lut iu chnh hot ng TTQT v kinh doanh tin t y , r rng, ng b, minh bch, ph hp vi cc thng l quc t. Ban hnh cc chnh sch v c ch thch hp va ph hp vi l trnh thc hin cam kt ca WTO trong lnh vc ti chnh-ngn hng va bo v v thc y s pht trin ca h thng ngn hng trong nc trc s tham gia ngy cng rng ln ca cc tp on ti chnh ln nc ngoi. Ban hnh cc chnh sch khuyn khch, h tr cc ngn hng trong vic u t nhm hin i ha ngn hng. Cng tc xc tin thng mi cn c cng c v duy tr thng xuyn, thng qua cc tham tn thng mi ca Vit Nam nc ngoi, gii thiu cc ngn hng trong nc n nc ngoi, ng thi cung cp cc thng tin v cc ngn hng nc ngoi cho cc ngn hng trong nc. Ngoi ra, H thng s liu v d liu thng tin chuyn ngnh, trc tip phc v cng tc d bo kinh t cha c tnh thng nht. Hin ti. cc thng tin kinh t thng ca Vit Nam b phn tn v thiu chun ha thng nht gia cc ngun v n v qun l. Cn phi khc phc v hon thin Nh nc cn c nhng chnh sch qun l, d bo hp l vn hnh tt th trng tin t ni ring v nn kinh t ni chung, trnh tnh trng xy ra lm pht cao nh nm nay, nh hng khng nh n cc hot ng ca h thng ngn hng trong nc.

SVTH: Trng Khnh Ha

Trang 57

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Mt s kin ngh vi Ngn hng trung ng

Trn c s h thng vn bn php lut ca Nh nc ban hnh, Ngn hng nh nc cn phi c cc vn bn di lut hng dn cc nghip v thanh ton quc t. Cn phi c vn bn quy nh mi quan h v ngha v, trch nhim quyn li ca nh xut khu, nh nhp khu v cc ngn hng tham gia s dng phng thc thanh ton bng L/C trn c s lut quc gia Th trng ngoi t lin ngn hng l th trng trao i cung cp cc loi ngoi t nhm gii quyt cc mi quan h ngoi t gia cc ngn hng vi nhau. V vy vic hon thin v pht trin th trng ny ca ngn hng nh nc Vit Nam va l mt trong nhng iu kin quan trng cc ngn hng thng mi m rng cc nghip v kinh doanh va l c s cho vic hnh thnh th trng hi oi hon chnh Vit Nam . Xy dng c ch iu hnh t gi linh hot, ph hp vi thc t. Ngn hng nh nc cn nng cao d tr ngoi t tng ng vi nhp pht trin ca kim ngch xut nhp khu, xc nh c cu d tr trn c s a dng ha r ngoi t mnh, khng nn neo gi ng VND v USD trong bi cnh nn kinh t M c nhiu bin ng ln. Cn phi c tm nhn chin lc di hn v th trng ti chnh tin t quc t cng nh trong nc, trnh tnh trng nh nm va qua vic Ngn hng nh nc yu cu cc Ngn hng TMCP mua tn phiu bt buc lm nh hng n ngun vn hot ng ca cc Ngn hng ko theo hu qu l vic ti tr thng mi b gim st v cc Ngn hng TMCP khng ngun vn cho vay. Ngoi ra, Ngn hng nh nc cn cn phi c nhng quy nh v cc phng thc thanh ton quc t hin i nh Factoring, Forfeighting (Factoring v Forfeiting cng gn gn ging nhau ngha l u l dng ti tr nhng khon phi thu nhng Factoring dnh cho nhng khon ti tr ngn hn cn Forfeiting dnh cho nhng khon trung v di hn v withour recourse.), Packing Credit (ti tr pre shipment), Bill Purchasevn rt ph bin trn th gii nhng li l mt dch v cn rt mi Vit Nam..

SVTH: Trng Khnh Ha

Trang 58

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Khng ngng nng cao cht lng hot ng ca trung tm tn dng Ngn hng nh nc (CIC)

Mt s kin ngh vi Sacombank.,

V vic xy dng li biu ph hp l mang tnh cnh tranh hn: nhng ph cn thp so vi cc ngn hng khc th nn tng ln nhm tng doanh thu , chng hn vic tnh ph cho mt BCT c BHL ch l 40$ trong khi cc ngn hng quc t khc ph bt hp l cao hn nhiu. Cn nng cao trnh kin thc chuyn mn v sn phm ca Ngn hng cho nhn vin quan h khch hng ni ring v ton b nhn vin Ngn hng ni chung, trnh tnh trng khi khch hng cn t vn th nhn vin khng nghip v v chuyn mn, lm khch hng phn nn. Cn xy dng mt h thng tuyn dng nhn s bi bn, chuyn nghip, a ra c nhng nhu cu, tiu ch tuyn dng r rng. Trnh tnh trng tuyn dng khng mc ch lm gia tng chi ph. Cn hc hi nhng kin thc t cc ngn hng khc trong cng h thng ngnh. Nn p dng mt h thng o lng tiu chun nht nh chun ha quy trnh hot ng ca h thng ngn hng Sacombank ni chung v phng thanh ton quc t ni ring va nhm nng cao nghip v cho nhn vin, va to c uy tn, nim tin ni khch hng. Cng nh vic tuyn dng nhn s, Sacombank cn c mt h thng tiu chun nh gi ngn hng i l nhm m rng nhng i l nc ngoi c uy tn v chm dt quan h nhng i l hot ng khng hiu qu. V phng TTQT v phng kinh doanh ngoi t c quan h mt thit vi nhau, do phng kinh doanh ngoi t cn phi c nhng chch sch v chin lc kinh doanh ng n v ph hp nhm hn ch vic khng ngun ngoi t cho vic ti tr thng mi, dn n vic khch hng s tm kim mt ngn hng khc. Pht trin a dng cc loi hnh thanh ton quc t nhm nng cao nng lc cnh tranh ca Ngn hng.

SVTH: Trng Khnh Ha

Trang 59

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

MC LC
Phn 1: C S L Lun V Thanh Ton Quc T.........................................1 Khi qut chung:..............................................................................................1 Mt s phng thc thanh ton quc t ........................................................1

Phng thc chuyn tin: (Remittance-Remise)..............................1 Phng thc ghi s (Open account-Compte Ouvert)........................2 Phng thc thanh ton nh thu (Collection of paymentEncaissement).................................................................................2 S lc v ICC-UCP 500...................................................................5 Khi nim v tn dng chng t.......................................................7 Ni dung th tn dng (L/C):............................................................8 Cc loi th tn dng ch yu l: ..................................................11 Quy trnh phng thc thanh ton tn dng chng t....................12 c trng ca phng thc tn dng chng t..............................13

Phng thc tn dng chng t: ....................................................................4

Phn 2:Gii Thiu Tng Quan V Ngn Hng Thng Mi C Phn Si Gn Thng Tn (Sacombank).....................................................................16 Gii thiu v ngn hng Sacombank............................................................16 Lch s hnh thnh v pht trin...................................................................17 I)C cu t chc.............................................................................................19 II)Chc nng v nhim v:............................................................................20 Cc sn phm ca Sacombank......................................................................22 C nhn...........................................................................................................22 Sn phm tin vay .........................................................................................22 Tin gi :.........................................................................................................22 Th ..................................................................................................................23 Chuyn tin.....................................................................................................23 Khc:...............................................................................................................23 Doanh nghip:................................................................................................23 Kt qu hot ng kinh doanh ca Sacombank t 2005-2007....................24 Cc ch s ti chnh ch yu: (n v: T ng)...........................................24 Tnh hnh tng trng qua cc nm.............................................................25 Chin lc pht trin di hn ca Sacombank............................................27 Nhng th tc cn thit khi m L/C ti Sacombank...................................29 Quy trnh phng thc thanh ton bng L/C nhp khu ti Sacombank. 30 Quy trnh pht hnh L/C...............................................................................30 Quy trnh tu chnh L/C..................................................................................33 Quy trnh x l L/C........................................................................................35 Quy trnh thanh ton L/C..............................................................................39 Quy trnh hy L/C..........................................................................................40 nh gi quy trnh thc hin:.......................................................................42 Tnh hnh hot ng ca phng TTQT qua cc nm..................................43 Tnh hnh xut nhp khu ca Vit Nam trong nhng nm qua...............43 Nhng kt qu tch cc:................................................................................44 Nhng mt hn ch:.......................................................................................47
SVTH: Trng Khnh Ha Trang 60

Chuyn Tt Nghip K30

GVHD: Trn Nam Hng

Phn 4: Gii Php V Xut Nhm Nng Cao Cht Lng Dch V Thanh Ton Tn Dng Chng T Ni Ring V Hot ng TTQT Ni Chung Ti Sacombank...................................................................................49 Mc ch vic a ra cc gii php...............................................................49 Gii php v quy trnh thanh ton bng L/C nhp khu............................49 Gii php v hot ng TTQT ti Sacombank:...........................................50 Gii php v qun l o to.........................................................................53 Gii php v cng ngh..................................................................................53 Gii php v Marketing.................................................................................54 Gii php v vic la chn v pht trin cc ngn hng i l...................55 Mt s kin ngh vi Nh nc:....................................................................57 Mt s kin ngh vi Ngn hng trung ng................................................58 Trn c s h thng vn bn php lut ca Nh nc ban hnh, Ngn hng nh nc cn phi c cc vn bn di lut hng dn cc nghip v thanh ton quc t..........................................................................................58 Mt s kin ngh vi Sacombank.,................................................................59

SVTH: Trng Khnh Ha

Trang 61