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MC LC
LI NI U ............................................................................................................................ 3
BNG T VIT TT V THUT NG CHUYN NGNH ................................................ 4
PHN 1 TRC NGHIM....................................................................................................... 7
CHNG 1: TRC NGHIM NGHIP V TN DNG .....................................................................7
A - Kin thc v Lut..................................................................................................................7
B - Kin thc Nghip v..............................................................................................................8
CHNG 2: TRC NGHIM NGHIP V K TON NGN HNG ...............................................9
CHNG 3: TRC NGHIM NGHIP V THANH TON QUC T ........................................... 10
CHNG 4: TRC NGHIM HIU BIT CHUNG .......................................................................... 11
PHN 2 CU HI T LUN .............................................................................................. 13
CHNG 1: CU HI NGHIP V TN DNG .............................................................................. 13
CHNG 2: CU HI NGHIP V K TON NGN HNG ....................................................... 13
PHN 3 BI TP ................................................................................................................. 15
CHNG 1: BI TP NGHIP V TN DNG ............................................................................... 15
CHNG 2: BI TP NGHIP V K TON NGN HNG......................................................... 17
PHN 4 IQ v GMAT ........................................................................................................... 20
I) GMAT (Graduate Management Admission Test) ........................................................................ 20
II) IQ (Intelligent Quotient).............................................................................................................. 22
PHN 5 TING ANH ........................................................................................................... 24
PHN 6 TIN HC ................................................................................................................ 30
PHN P N ........................................................................................................................ 31
P N PHN 1 TRC NGHIM ................................................................................................... 31
CHNG 1: TRC NGHIM NGHIP V TN DNG ............................................................ 31
A - Kin thc v Lut................................................................................................................ 31
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B - Kin thc Nghip v............................................................................................................ 32
CHNG 2: TRC NGHIM NGHIP V K TON NGN HNG ..................................... 33
CHNG 3: TRC NGHIM NGHIP V THANH TON QUC T................................... 35
CHNG 4: TRC NGHIM HIU BIT CHUNG ................................................................. 36
P N PHN 2 CU HI T LUN .......................................................................................... 38
CHNG 1: CU HI NGHIP V TN DNG ..................................................................... 38
CHNG 2: CU HI NGHIP V K TON NGN HNG ............................................... 39
P N PHN 3 BI TP ............................................................................................................. 42
CHNG 1: BI TP NGHIP V TN DNG ...................................................................... 42
CHNG 2: BI TP NGHIP V K TON NGN HNG ...................................................
P N PHN 4 IQ V GMAT ..................................................................................................... 47
I) GMAT ................................................................................................................................. 47
II) IQ ........................................................................................................................................ 48
P N PHN 5 TING ANH ....................................................................................................... 50
P N PHN 6 TIN HC ............................................................................................................ 52
PH LC SCH ..........................................................................................................................
PH LC 1: CC K HIU TON HC V N V O LNG .. Error! Bookmark not defined.
PH LC 2: BNG CN I K TON CA DOANH NGHIP (Q 48/2009/BTC) .......................
PH LC 3: BNG KT QU KINH DOANH CA DOANH NGHIP (Q 48/2009/BTC) ..............
PH LC 4: BO CAO LU CHUYN TIN T PP TRC TIP (Q 48/2009/BTC) ....................
PH LC 5: BO CO LU CHUYN TIN T PP GIN TIP (Q 48/2009/BTC) .....................
TI LIU THAM KHO ........................................................................................................ 53





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LI NI U

Chc hn rng c rt nhiu bn tng hoc ang thi tuyn vo ngn hng tm cho
mnh mt cng vic vi mc lng cao, mt cng vic nng ng, mt mi trng chuyn nghip
hay ch th sc mnh. Nhng c nhng ngi thnh cng v cng c nhng ngi cha
thnh cng. iu ny rt d hiu bi nhn s u vo cho lnh vc ngn hng ngy mt ng o
nn c hi ch dnh cho s t nhng ngi c lng kin tr v s c gng.
Ngay t thi sinh vin, vic tm ti liu sch bo lin quan n chuyn ngnh ti chnh
ngn hng l mt iu kh khn i vi ti. S pht trin ca cng ngh thng tin v s chia s
su rng thng tin ti chnh ngn hng ngy cng c m ra dn khc phc nhng kh khn
trc kia. Mc d rt bn vi cng vic nhng mi ngy ti u dnh ra mt cht thi gian tm
ti v vit sch, mt cun sch m ban u ti ch ngh n gin ti vit cho chnh mnh, cho
nhng iu ti cha bit v tm hoi khng thy.
C mi ngy mt vi trang, cun sch dn hon thnh v ti ngh c th c nhng
ngi khc ngoi ti cn n n. Cun sch c ta TUYN TP THI VO CC NGN
HNG c tng hp t hng trm thi m ti c, lm. iu c bit hn c trong
cun sch l a s cc cu hi u c gii p c th, bt ngun t nhng tri nghim ca ti,
nhng li gii m ti cho l ngn gn v xc tch nht.
Ni dung ca cun sch c chia thnh 6 phn, cng ging nh khi bn thi phn thi vit
ti cc ngn hng, gm c:
Phn 1 Trc nghim
Phn 2 Cu hi t lun
Phn 3 Bi tp
Phn 4 IQ v GMAT
Phn 5 Ting Anh
Phn 6 Tin hc
trong mi phn ca cun sch, ti u phn cu hi theo tng nghip v chuyn mn,
gm c: Nghip v tn dng, nghip v k ton, nghip v thanh ton quc t ... C th nh phn
Mc lc ca cun sch ny.
Phn cu hi lin quan n Nghip v tn dng l nhiu hn c nn c ti c th ha
thnh 2 mc ln l A Kin thc v Lut v B Kin thc Nghip v.
Cun sch TUYN TP THI VO CC NGN HNG c vit trong thi gian
ngn, bi lng nhn s t i, v cng l cun sch u tin ca ti nn khng trnh khi
nhng sai st. Mi kin ng gp v phn hi xin cc bn hy gi mail v cho ti theo a ch:
legiang127@gmail.com
Trn trng!
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BNG T VIT TT V THUT NG CHUYN NGNH
A Bng t vit tt
T Din gii T Din gii
BCTC Bo co ti chnh LNTT Li nhun trc thu
BH Bo him LP Lm pht
BTT Bao thanh ton LS Li sut
CBTD Cn b tn dng LSCV Li sut cho vay
CMTND Chng minh th nhn dn NH Ngn hng
CP Chi ph NHNN Ngn hng Nh nc
CSH Ch s hu NHTM Ngn hng thng mi
CSTT Chnh sch tin t NK Nhp khu
CT Cng ty NVTD Nhn vin tn dng
CTCP Cng ty c phn Q Quyt nh
CTTC Cho thu ti chnh QHKH Quan h khch hng
DN Doanh nghip SXKD Sn xut kinh doanh
DTBB D tr bt buc TCTD T chc tn dng
DTT Doanh thu thun TL T l
GDV Giao dch vin TG Tng Gim c
G Gim c TGH T gi hi oi
GTCG Giy t c gi TMCP Thng mi c phn
GTGT Gi tr gia tng TNHH Trch nhim hu hn
GVHB Gi vn hng bn TS Ti sn
HKD Hot ng kinh doanh TSL Ti sn lu ng
HQT Hi ng qun tr TSC Ti sn c nh
HTD Hp ng tn dng TSB Ti sn m bo
HMTD Hn mc tn dng TT Thng t
KCN Khu cng nghip TTQT Thanh ton quc t
KH Khch hng UBND y ban Nhn dn
KNTT Kh nng thanh ton VL Vn lu ng
LHQ Lin Hip Quc VLR Vn lu ng rng
LNST Li nhun sau thu XK Xut khu
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B Thut ng chuyn ngnh

Thut ng Din gii
ADB Asian Development Bank: Ngn hng Pht trin Chu
ASEAN
Association of Southeast Asia Nations: Hip hi cc quc gia ng
Nam
ATM Automated Teller Machine: My c th t ng
CAMEL
Capital Adequacy Management Earnings Liquidity: Ch tiu
5C trong nh gi hot ng ca cc ngn hng
B/E Bill of Exchange: Hi phiu
B/L Bill of Lading: Vn n ng bin
CIC Credit Information Center: Trung tm Thng tin Tn dng
CPI Consumer Price Index: Ch s gi tiu dng
C/O Certificate of Origin: Chng nhn ngun gc xut x
D/A Document Against Acceptance: Th tn dng chng t ch chp nhn
DDU Delivered Duty Unpaid: Giao cha np thu
D/P Document Against Payment: Th tn dng chng t ch thanh ton
D
USD
Demand for Dollar: Cu la M
D
VND
Demand for Vietnam dong: Cu Vit Nam ng
FV Future Value: Gi tr tng lai
GDP Gross Domestic Product: Tng gi tr sn phm quc ni
GNP Gross National Product: Tng gi tr sn phm quc dn
PV Present Value: Gi tr hin ti
MB Money Basic: Lng tin c s
mm Money Multiplier: S nhn tin t
MS Money Supply: Cung tin t
NCF Net Cash Flow: Dng ngn lu rng (Dng tin thun)
NPV Net Present Value: Gi tr hin ti rng (Hin gi rng)
INCOTERMS International Commerce Terms: Cc iu khon thng mi quc t
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IRR
Internal Rate of Return: T sut hon vn ni b (T sut sinh li ni
b)
ISBP
International Standard Banking Practice: Tp qun ngn hng Tiu
chun Quc t v kim tra chng t
PI Profitability index:
PP Payback Period: Thi gian hon vn
R
d
Require Reserve Rate (RRR): T l d tr bt buc
R
e
External Rate: T l d tr d tha
ROA Return on Assets: Li nhun trn Tng ti sn
ROE Return on Equity: Li nhun trn Vn ch s hu
ROI Return on Investments: Li nhun trn Tng vn u t
ROS Return on Sales: Li nhun trn Tng doanh thu
S
USD
Supply for Dollar: Cung la M
S
VND
Supply for Vietnam dong: Cung Vit Nam ng
UCP
Uniform Customs and Practice for Documentary Credits: Quy tc
thc hnh thng nht v Tn dng chng t (VD: UCP 500, UCP 600)
URC
Uniform Rules for Collection: Quy tc thng nht v nh thu (VD:
URC 522)
VAT Value Added Tax: Thu gi tr gia tng
WACC Weighted Average Cost of Capital: Chi ph s dng vn bnh qun
WTO World Trade Organization: T chc Thng mi Th gii





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PHN 1 TRC NGHIM
phn u tin ny c tng cng 4 chng. Chng 1: Trc nghim nghip v tn dng c 400
cu hi trc nghim. c phn thnh 2 lnh vc kin thc chnh: Kin thc v Lut (170 cu
hi) v Kin thc Nghip v (230 cu hi). Chng 2: Trc nghim nghip v K ton ngn
hng c 40 cu hi. Chng 3: Trc nghim nghip v Thanh ton quc t c 55 cu hi. V
Phn cui cng Chng 4: Trc nghim hiu bit chung c 45 cu hi. Mi cu hi ch c
chn 1 p n ng duy nht.
Thng thng vi mi cu hi trc nghim bn c khong 60 giy chn p n. Bn hy s
dng t hn s thi gian cho php ny x l nhanh cc cu hi phn trc nghim; trnh b
trng cu hi no v dnh nhiu thi gian hon thnh cc phn khc ca bi thi.
CHNG 1: TRC NGHIM NGHIP V TN DNG
A - Kin thc v Lut

1. Vn phng i din ca Cng ty nc ngoi c c thay mt Cng ty k kt cc hp ng
khng?
a) c php
b) Khng c php
c) c php nu c y quyn
d) Khng c php trong mi trng hp
2. Nu n hn tr li tin vay m khch hng khng tr ng hn v khng c TCTD
chp nhn iu chnh k hn tr n li v khng gia hn li th TCTD phi x l th no?
a) Chuyn ton b d n gc v li sang n qu hn
b) Chuyn ton b d n gc sang n qu hn
c) Chuyn ton b n li sang n qu hn
3. Trng hp khch hng khng tr ht n gc ng thi hn tha thun trong HTD v c
vn bn ngh cho iu chnh hn tr n th TCTD c xem xt gia hn n i vi cho vay
ngn hn nh sau:
a) Bng 1 chu k SXKD
b) Bng thi hn cho vay
c) Ti a 12 thng
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d) Ti a bng 1 chu k SXKD nhng khng qu 12 thng
4. Gia hn n vay c hiu l:
a) TCTD v Khch hng tha thun v vic thay i cc k hn n gc tha thun trc
trong HTD
b) TCTD v Khch hng tha thun v vic thay i cc k hn n gc hoc li tha thun
trc trong HTD
c) TCTD v Khch hng tha thun v vic thay i cc k hn n li tha thun trc
trong HTD
d) C 3 cu u sai
5. Thc hin kim tra gim st qu trnh vay vn, s dng vn vay v tr n ca khch hng l:
a) Quyn ca TCTD
b) Trch nhim ca TCTD
c) C a v b






B - Kin thc Nghip v
6. Nguyn tc gii ngn khi cho vay l?
a) Ph hp vi i tng cho vay v mc ch s dng vn
b) Ph hp vi i tng s dng vn v thanh ton trc tip cho ngi hng
c) Ph hp vi i tng cho vay, tin s dng vn v phng thc thanh ton
d) C 3 cu trn u ng
7. Doanh nghip c nhu cu bo lnh d thu, doanh nghip sn sng k qu 100%. Ngn hng
c cn xem xt kh nng ti chnh ca doanh nghip khng?
a) C
b) Khng
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8. Khon mc no khng c dng lm ti sn m bo cho ngha v tr n ca
khch hng khi vay vn:
a) Hng ha trong kho
b) C phiu do ngi vay pht hnh
c) C phiu cng ty do ngi nm gi
d) Uy tn ca ngi i vay
9. Mt doanh nghip pht hnh c phiu tng vn tham gia d n u t, vn huy ng
bng tin mt c chuyn ngay cho cng ty lin kt gp vn thc hin d n. Theo anh (ch)
vic huy ng vn trn s lm cho h s thanh ton ngn hn ca doanh nghip
a) Tng
b) Gim
c) Khng thay i
d) C a, b, c u sai
10. Hot ng no di y l bin php nhm tit kim chi ph tr li cho NH
a) Tng cng chi ph tr li trung di hn thay v chi ph tr li ngn hn
b) a dng cc hnh thc huy ng vn
c) Tng lng tin c bo him bng tin gi
d) Pht hnh tri phiu
----------------------

CHNG 2: TRC NGHIM NGHIP V K TON NGN HNG

1. Trong trng hp no c cp Sc trng
a) M ti khon khng b cm s dng Sc
b) M ti khon ti ngn hng khc
c) C quan h vi cn b tn dng Ngn hng i
d) Khch hng vng lai
2. Thi hn xut trnh Sc ti a bao nhiu ngy k t ngy k pht?
a) 5 ngy
b) 15 ngy
c) 30 ngy
d) 45 ngy
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3. Mt khch hng pht hnh nhiu t sc cc thi im khc nhau. Khi c nhiu t sc ca
khch hng c em n ngn hng cng 1 thi im, nhng s d ti khon ca
khch hng khng thanh ton ht s sc . Vy thc t u tin thanh ton cho cc
t sc l nh th no?
a) Thanh ton cho t sc c k trc
b) Thanh ton cho t sc c em n ngn hng sm hn
c) Ngn hng s lin h ngi chi tr trn Sc xc minh
d) Yu cu khch hng np thm tin vo ti khon
4. Trong trng hp s tin bng ch v s tin bng s trn t Sc khc nhau th s tin c
thanh ton s l:
a) S tin bng ch
b) S tin bng s
c) S tin c gi tr nh hn
d) Yu cu khch hng vit li Sc
5. Sc c th c chuyn nhng bao nhiu ln:
a) 1
b) 2
c) 3
d) Nhiu ln

----------------------

CHNG 3: TRC NGHIM NGHIP V THANH TON QUC T

1. Trong cc iu kin giao hng no di y, ri ro v hng ha thuc v ngi mua khi
hng c giao qua lan can tu:
a) FOB
b) CIF
c) CFR
d) C a, b v c
2. Trong giao dch thng mi quc t, ngi mua bo him ri ro cho hng ha l:
a) Ngi mua hng, ngi nhp khu
b) Ngi bn hng, ngi xut khu
c) Ngn hng ngi xut khu
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d) Ty tng trng hp c th
3. Mt L/C c nhng thng tin sau:
Date of issue: 3-8-2010
Period of presentation: 21-10-2010
Expiry date: 3-11-2010
Ngy L/C c hiu lc l k t ngy no?
a) 3-8-2010
b) 21-10-2010
c) 3-11-2010
d) T 3-8-2010 n 3-11-2010
4. i vi L/C pht hnh bng vn vay, ti sn m bo bng chnh l hng nhp khu,
thi im cn b tn dng xut trnh kh c nhn n cho giao dch TTQT l:
a) Trc khi k hu vn n v bn giao b chng t hng nhp
b) Trc khi k bo lnh nhn hng
c) Trc khi k y quyn nhn hng
d) C ba phng n trn u ng
5. Theo UCP 600 ca ICC, trong chng t bo him nu khng quy nh r s tin c
bo him th s tin bo him ti thiu phi l bao nhiu
a) 100% gi CIF
b) 110% gi CIF
c) 110% gi FOB
d) 100% gi tr ha n

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CHNG 4: TRC NGHIM HIU BIT CHUNG

1. AESAN c bao nhiu thnh vin? (8, 9, 10, 11 hay 12)
a) 8
b) 9
c) 10
d) 11
e) 12
2. Nhng phm cht cn c ca mt nhn vin ngn hng
a) S lnh ngh
b) To lng tin cho khch hng
c) Thi n cn
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d) Tt c cc trn
3. Tng b th Ban Chp hnh Trung ng ng Kha XI l ai:
a) Nng c Mnh
b) Nguyn Ph Trng
c) Nguyn Tn Dng
d) Khng p n no ng
4. Cuc khng hong n ti EU nm 2010 bt u t nc no:
a) Hy Lp
b) Ailen
c) B o Nha
d) Ty Ban Nha
5. Cha ca L thuyt Marketing hin i l:
a) Michael Porter
b) Phillip Kotler
c) Laura Ries
d) Al Riea









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PHN 2 CU HI T LUN
Phn 2 Cu hi t lun c tng cng 67 cu hi, chia lm 2 phn chnh: Chng 1 Cu
hi nghip v tn dng (55 cu hi) v Chng 2 Cu hi nghip v k ton ngn hng (12
cu hi). Yu cu ca phn cu hi t lun l gii thch ngn gn v .
CHNG 1: CU HI NGHIP V TN DNG
1. Theo bn, c cu li thi hn n l lm th no? c im? Theo Quy nh 666 Q
666/N-CP ca Agribank th th tc c cu li n gm nhng bc no?
2. Trnh by nguyn tc chit khu, ti chit khu giy t c gi ca NH NNo Vit Nam i vi
khch hng? iu kin giy t c gi c nhn chit khu, ti chit khu ?
3. Trong phn tch ti chnh c quan im cho rng doanh thu ca doanh nghip cng ln th n
vay ca Ngn hng cng c hon tr y v ng hn, kin ca bn?
4. Mt doanh nghip ang quan h tn dng ti Ngn hng, ti thi im cui nm 2008 bo co
ti chnh ca khch hng cho thy c s mt cn i vn (dng mt phn ngun vn ngn
hn u t vo ti sn c nh). Doanh nghip vn c nhu cu tip tc vay vn lu ng
kinh doanh. Cn b tn dng c kin: Ngn hng nn dng cho vay. kin ca bn?


----------------------


CHNG 2: CU HI NGHIP V K TON NGN HNG

1. K ton ngn hng l g? i tng nghin cu ca k ton ngn hng?
2. Nu khi nim ca chng t k ton ngn hng? Phn loi?
3. Bn c nhn xt g v cu ni: Khch hng l thng . Hy cho bit quy nh mi v
khch hng trong th trng cnh tranh hin nay.
4. Mt khch hng ln tui rt giu c n ngn hng rt tin chun b cho chuyn du lch xa
a) GDV1: n cn thc hin giao dch cho khch hng
b) GDV2: n cn hi thm, v t vn mt vi tin ch m bo an ton cho vic i xa.
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Nhn xt 2 trng hp trn, nu l bn bn s lm th no?







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PHN 3 BI TP
Phn 3 Bi tp gm c 25 bi tp nghip v tn dng v 15 bi tp nghip v k ton ngn hng. Phn
1 c 15 bi tp c gii p (bao gm y nhng dng hay gp nht khi thi nghip v tn dng),
phn 2 c 5 bi tp c gii. Phn bi tp cha c li gii s c cp nht trong cc n phm tip
theo.
CHNG 1: BI TP NGHIP V TN DNG
Bi 1: ( thi tn dng Agribank khu vc min Bc 24/10/2010 l)
Cng ty A hot ng trong lnh vc thng mi, chuyn mua bn cc sn phm l Thit b
in t tin hc. Cng ty np giy ngh xin vay ln NH ngh vay 2 t phc v cho hot ng
SXKD. Cng ty gi ln cho NH bo co ti chnh vi cc s liu sau:
Bng cn i k ton (n v: t ng)
Ch tiu u nm Cui nm Ch tiu u nm Cui nm
Ngn qu 8 6 N ngn hn NH 5 8,4
Phi thu 17 18 Phi tr 22 20
Hng tn kho 2 3,5 Vn & cc qu 1,2 1,29
TSL khc 1 2
TS c nh 0,2 0,19
Tng TS 28,2 29,69 Tng ngun vn 28,2 29,69
Bo co KQ HKD (n v: t ng)
Ch tiu u nm Cui nm
Doanh thu thun 44,3 63
Gi vn hng bn 41 60
Chi ph 1,2 0,68
LN trc thu 2,1 2,32
Thu 0,3 0,36
LN sau thu 1,8 1,96
Yu cu: Da trn bng cn i k ton v bo co KQ HKD hy phn tch cc ch s nh
gi tnh hnh ca cng ty, phc v cho vic ra quyt nh tn dng.
Bi 2: ( thi tn dng Agribank khu vc min Bc 24/10/2010 chn)
Ngn hng A ang xem xt mt d n sau:
1) Tng vn u t ban u ca d n: 200 triu, trong u t ti sn c nh 180 triu,
ti sn lu ng 20 triu
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2) D tnh vay ngn hng 80 triu mua sm my mc, gc vay s c hon tr u
trong 4 nm, bt u vo cui nm th 1, li sut c nh 10%/nm
3) D n d tnh ko di trong 5 nm, to doanh thu t nm th 1
4) Doanh thu c tnh trung bnh hng nm l 90 triu, chi ph nguyn nhin vt liu, tin
cng, qun l... (cha k khu hao v tr li khon vay) l 20 triu hng nm
5) Khu hao ti sn theo phng php trung bnh
6) Thu thu nhp : 30% Thu nhp trc thu
7) Gi tr thanh l ca cc ti sn khi d n kt thc coi nh bng 0
Yu cu: Ngn hng c nn cho vay khng nu da vo ch tiu NPV ? Bit rng NH s
dng li sut cho vay lm li sut chit khu.

Bi 3: ( thi tn dng MB 5/2009)
Hy tnh VAT theo phng php khu tr cho Doanh nghip sn xut sn phm vi thng tin
nh sau (n v: 1000 ng):
Ch tiu
S tin
( c VAT)
S tin
(Cha c VAT)
Thu sut
thu VAT
Thu VAT
u ra
1. Doanh thu 132.000 120.000 10% 12.000
2. Chi ph 110.900 110.900
+ Khu hao 27.000 27.000
+ Nhn cng 15.000 15.000
+ Chi ph XXX 49.500 45.000 10%
+ Chi ph YYY 8.800 8.000 10%
+ Chi ph khc 10.600 0 0%

Bi 4: ( thi tn dng MB 5/2009)
Cng ty A c nhu cu vay vn nhp khu 1 xe trn b tng, gi tr hp ng ngoi nhp khu
l 100.000 USD.
Phng thc thanh ton theo Hp ng ngoi l 10% thanh ton TTr (chuyn tin) ngay khi
k hp ng 90% cn li thanh ton bng LC tr ngay khi b chng t v.
Khch hng dng vn t c thanh ton 10% ban u, chi ph thng quan 2%, chi ph thu
kho bi vn chuyn 5%, chi ph bo him 1,2%, chi ph khc 2%, thu nhp khu 5%, thu VAT
10%, chi ph thanh ton quc t v li d kin l 5% trn gi tr hp ng ngoi nhp khu
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Hy xc nh nhu cu vn c th ti tr ca phng n ny? Theo quy nh Ngn hng Qun
i c php ti tr ti a 80% nhu cu vn c th ti tr, vy khch hng b thm vn t c l
bao nhiu?
Bi 5:
Cng ty lp my Lilama 3.0 c nhu cu vay vn tng ln thc hin hp ng k vi Cng
ty X, nhn lp t mt trm bin p. Tng gi tr ca hp ng l 7.820 triu ng; thi gian thc
hin hp ng t 12/4/2010 n 12/8/2010. Cng ty X ng trc cho Lilama 3.0 s tin l 1.500
triu ng, s tin cn li s thanh ton trong thi hn 30 ngy sau khi cng trnh bn giao.
Trong thng 4/2010, cng ty Lilama 3.0 c xut trnh mt hp ng k mua my bin
p v cc thit b in lnh tr gi 6.500 triu ng, phi thanh ton tin ngay trong thng.
Bit rng:
Ngun thanh ton ca hp ng gia Lilama 3.0 v Cng ty X l chc chn
Li sut vay hin hnh: 1,2%/thng
Vn t c tham gia phng n: 800 triu ng
Tng chi ph cho vic vn chuyn v lp t thit b: 550 triu ng
Yu cu:
1) Hy cho bit liu ngn hng c nn cho vay vi Lilama 3.0 hay khng? V sao?
2) Xc nh mc cho vay v thi hn vay ti a nu cho vay?

----------------------------


CHNG 2: BI TP NGHIP V K TON NGN HNG
Bi 1:
Tnh hnh s d ti khon tin gi ca mt Siu th X ti ngn hng trong thng 8/2010 nh sau:
Ngy 25/7 d c: 150.000.000 ng
Ngy 11/8 d c: 180.000.000 ng
Ngy 17/8 d c: 220.000.000 ng
TUYN TP THI VO CC NGN HNG PHN 3 BI TP


18
Ngy 22/8 d c: 238.000.000 ng
Ngy 25/8 d c: 260.000.000 ng
Yu cu: Hy tnh v hch ton li tin gi thng 8 trn ti khon ca Siu th X.
Bit rng: Ngn hng quy nh ngy tnh li hng thng vo ngy 25; Li tin gi thanh ton l
4,8%/nm.
Bi 2:
Ngy 11/10/200X ti Ngn hng Cng thng Ba nh c cc nghip v pht sinh nh sau:
1. Cng ty C phn Hong Dng np vo ngn hng giy np tin mt v 100 triu ng
tin mt vo ti khon tin gi thanh ton m. Th qu kim m v thu s tin.
2. Cng ty TNHH Hng Pht np vo ngn hng giy np tin mt v 60 triu ng tin
mt. Th qu kim m thy ch c 59 triu ng.
3. Ngn hng np tin vo Ngn hng Nh nc s tin 80 triu ng, trong ngy nhn
c bo c.
4. Cui ngy kim qu, tha 100.000 ng.
Yu cu: Anh (ch) hy x l v hch ton cc nghip v pht sinh trn.
Bi 3:
Ngy 3/6/200X ti Ngn hng u t v Pht trin c cc nghip v nh sau:
1. Ngn hng mua mt ti sn v cho thu ti chnh theo hp ng k vi cng ty X,
gi tr ti sn 5.000 triu ng, thanh ton bng chuyn khon cho Cng ty Y c ti khon
ti Ngn hng Nng nghip v PT Nng Thn Vit Nam
2. Cng ngy, ngn hng hon tt th tc xut ti sn trn cho khch hng thu
3. Ngn hng giao cho Cng ty Z thu ti chnh, gi tr ti sn theo hp ng thu l 2.200
triu ng, nguyn gi mua v ca ti sn l 2.000 triu ng
4. Hp ng cho thu ti chnh i vi Cng ty ABC n hn, bit s d cn li trn ti
khon cho thu ti chnh i vi cng ty l 100 triu ng, s d ca ti khon li d thu
l 5 triu ng. Cng ty thanh ton nt s tin thu t cui cng l 38 triu ng (gc l
30 triu ng, li thu l 8 triu ng). Theo tha thun trong hp ng, Cng ty ABC
phi tr li ti sn c ngn hng. Gi tr cn li ca ti sn theo nh cam kt ca khch
hng vi ngn hng l 60 triu ng, tuy nhin ngn hng nh gi li gi tr ti sn ch
cn 50 triu ng; Ngn hng yu cu khch hng phi bi thng phn chnh lch
TUYN TP THI VO CC NGN HNG PHN 3 BI TP


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gia gi tr ti sn cn li v gi tr ti sn c bn thu m bo thanh ton. Khch
hng thc hin trch ti khon tin gi ca mnh thanh ton khon bi thng.
Yu cu: Hy hch ton cc nghip v kinh t pht sinh v gii thch cc trng hp cn thit.
Bi 4:
Khch hng N c mt khon tin 100 triu ng nhn ri v ang bn khon trong vic la chn
cc sn phm tin gi tit kim sau:
a) Tit kim 12 thng tr li sau, li sut 9%/nm
b) Tit kim 6 thng tr li sau li nhp gc, li sut 8,86%/nm
c) Tit kim 3 thng tr li sau li nhp gc, li sut 8,74%/nm
Cc mc li sut trn s c duy tr n nh trong 12 thng, bn hy chn sn phm c li nht
cho khch hng. Hy gii thch ngn gn.
Bi 5:
Mt khon vay 100 triu ng, k hn 3 thng t 15/1/2009 n 15/4/2009, li sut 10,5%/ nm
(Tnh theo 360 ngy) thu vo cui k. Tr gc phn k vo 30/1; 15/2; 01/3; mi ln l 20 triu
ng, s cn li tr vo nt vo ngy o hn. Tnh li phi thu ca khch hng vo ngy
15/4/2009. (Khch hng tr ng k hn)











TUYN TP THI VO CC NGN HNG PHN 4 IQ V GMAT


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PHN 4 IQ v GMAT
I) GMAT (Graduate Management Admission Test)
GMAT l mt bi kim tra nh gi tiu chun u vo bng ting Anh ca cc sinh vin xin hc cc
chng trnh hc MBA hay cc chng trnh hc i hc khc. Ngy nay Vit Nam, GMAT cng c
p dng nhiu lnh vc i hi nhn s c t duy cao trong c lnh vc ngn hng.
GMAT gm c 3 phn chnh:
(1) nh gi vit phn tch (AWA Analytical Writing Assesment)
(2) Phn nh lng (GMAT Quantitative Section)
(3) Phn vn p (GMAT Verbal Section)
GMAT khng phi l bi thi kim tra trnh ting Anh nh TOEFL, IELTS hay bi thi kim tra tr
thng minh m GMAT l bi kim tra kh nng phn tch c suy lun trong cc ch v nh lng v
vn p.
t im cao, cc th sinh phi nm r c cu trc, ch dn v hiu c ca ngi ra thi; iu
ny ch c c nu bn rt thng minh hoc chm ch thc hnh v lm nhiu cc dng bi tp
GMAT vn rt sn c trn mng Internet.
Mi bi GMAT u c p lc v thi gian lm bi (th sinh c thi gian t hn 2 pht cho mi cu hi), v
th th sinh phi s dng nhng chin lc gii quyt cc cu hi mt cch linh hot tit kim thi gian
v sc lc.
Trong cc thi vo ngn hng, phn thi GMAT ch yu l cc bi ton nh tnh. Ty vo yu cu ca
nh tuyn dng m bi GMAT c th l ting Anh hoc ting Vit. Trong gii hn ca cun sch ny, ti
xin cp n 51 dng bi ton GMAT hay gp trong cc thi trong cc nm va qua.
1. Mt t tp ch gim gi 30%. Hi phi tng li bao nhiu % c gi nh c?
2. T l qun l v cng nhn l 5/72 thm 8 cng nhn l 5/74. Hi c bao nhiu qun l?
3. Bit rng 1/2 ca s tin trong mt qu tn thc c u t vo c phiu, 1/4 c u t vo tri
phiu, v 1/5 c u t vo cc qu tng h, cn li $10.000 u t vo cng tri chnh ph. Hi
tng s tin ca qu tn thc l bao nhiu ?
a) $100.000
b) $150.000
c) $200.000
d) $500.000
e) $2.000.000
TUYN TP THI VO CC NGN HNG PHN 4 IQ V GMAT


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4. A father is three times as old as his son. After fifteen years the father will be twice as old as his son's
age at that time. Hence the father's present age is:
a) 36
b) 42
c) 45
d) 48
e) None of the above
5. If the value of XYZ Company stock drops from $25 per share to $21 per share, what is the percent of
the decrease?
a) 4
b) 8
c) 12
d) 16
e) 20
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


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------------------------- () -------------------------
II) IQ (Intelligent Quotient)
Cc cu hi IQ (Intelligence Quotient) cn gi l ch s thng minh. Ch s ny ca mi ngi ni
ln nng lc tr tu ca ngi . Ch s IQ phn nh sc hiu bit, kh nng nhn thc (kh nng
theo hc, kh nng lm vic bng tr no, kh nng tr nh) ch khng phi l vn hiu bit rng
hay hp.
Trong cc thi tuyn vo ngn hng thng c phn thi trc nghim IQ l mt trong 3 phn thuc
vng thi vit. tr li cc cu hi IQ bn cn vn dng a dng cc k nng t duy hnh nh, con
s. Di y, trong cun sch ny l 150 cu hi IQ vi nhiu cch suy lun khc nhau rt hay c
trong thi tuyn vo ngn hng trong cc nm va qua. Chi tit cch gii cc bn hy xem cui
sch.
1. Mnh ghp no di y trong s cc mnh A, B, C, D v E khi ghp vi mnh bn tri s to ra
mt hnh vung hon chnh?

2. S no s l s tip theo ca chui s sau?
0, 1, 2, 4, 6, 9, 12, 16, ?

3. Hnh sau:


Cn thiu 4 ch s no? A, B, C, D
4. Hnh no khc vi cc hnh cn li?
A B C D E
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


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5. Mi s trong hnh kim t thp di l tng ca hai s ngay bn di n. Hy in vo kim t thp
s cn thiu.














56
7
19
7
28
A
B C
D
E
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


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PHN 5 TING ANH
Phn thi ting Anh vo cc ngn hng TMCP v ngn hng quc doanh Vit Nam ch yu l
kin thc ting Anh trnh C v t mi l cc thut ng, cm t chuyn ngnh Kinh t,
Thng mi, Ti chnh Ngn hng. Phn 5 Ting Anh gm c 142 cu hi chia thnh 9
dng bi ting Anh hay gp, tng thi tuyn vo cc ngn hng trong cc nm va qua.
DNG 1: Choose the best answer
1. Exchanging goods and services without using money is
a) Bartering
b) Borrowing
c) Salary
d) None of these
2. When using Net Present Value method to assess a project, that project will be
accepted if
a) NPV equals to initial investment
b) NPV < 0, but the minimum Internal Rate of Return (IRR) equals to deposit interest
c) NPV > 0
d) All above answers are wrong
3. The benefit of diversifying investment is
a) Reducing risk of the set of investment assets
b) Increasing the estimated rate of profit against each assets
c) Reducing risk of each asset
d) Increasing the profit rate of the set of assets
e) All above answers are wrong
f) All above answers are correct
DNG 2: Fill the gap
Cu 39 n cu 51 trch trong thi ting Anh vo Vietinbank (05/12/2010)
4. She rang to make an early ____ at the hairdressers
a) appointment
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


25
b) assignment
c) order
d) date
5. One ____ of the public transport is its unreliability
a) disorder
b) dislike
c) disappoinment
d) disadvantange
6. I am afraid ____ mentioning it to him
a) of
b) in
c) at
d) to
DNG 3: Complete each sentence with the correct from of the word in brackets
7. Example 1
(BENEFIT)
(COMMERCE)
(RELATIVE)
(VARY)
(MANAGE)
The new salary scheme is _______ to all staff.
Ho Chi Minh City is the biggest _______ center in the country
The risk of investing in durable goods is _______ low.
Prices have not shown much _______ this year
Good _______ should be capable of leading as well as managing
DNG 4: Sentence building
8. Her expenses / get / higher / everymonth.
.
9. I / rather / stay / home / tonight / go / cinema.
.
10. Kathy / suggest / her husband / tonight / go / cinema
.
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


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DNG 5: Rewrite the following sentences
11. Im having a lot of trouble new because I lost my passport last week
If I ..
12. It is believed that the man escaped in a stolen car
The man is ..
13. Mike said that: Im quite sure its broken
Mike said that ..
DNG 6: Choose ONE suitable word for each sentences from the list below
14. Table 1
measurable deteriorate goods money factors
payments decrease production capital economy
resources companies value available risk
1) As they______easily, perishables must be placed on the market as quickly as
possible.
2) Foreign direct investment (FDI) has significantly contributed to the performance
of The _______
3) FDI projects account for 12% of GDP and 35% of industrial _______
DNG 7: Reading comprehension (Read the passage below and then do the tasks that
follow)
15. Reading 1
It seems easy to say that you are employed if you work for somebody else and you are self -
employed if you work for yourself! But life isn't quite so simple. Being self- employed is
not restricted to people who run their own business, in the physical sense of owning property
and stock and perhaps employing their own staff. A great number of people work from home
in a wide range of occupations and many of them are classed as self-employed. Examples
are the hairdresser who has set up shop in one room of the house, the freelance book-keeper
who does the accounts for other small businesses, the woman who holds clothing or
Tupperware parties, and the artist who takes on freelance work from various publishing
companies.

TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


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People who work on a freelance basic "hire out" their skills to anyone who will pay them. A
freelance photographer, for instance, may either be contracted to do a specific job for a
newspaper or may even take photographs of events on the change that he/she can sell them.

The number of people in Britain who are classed as self-employed rose by 52% between 1981
and 1991 from 2.2 million to 3.3 million people - and most of them work on their own (i.e.
they do not employ other people) in many cases these are people who have been faced with
redundancy and who have used their savings or their redundancy payments, or taken
advantages of one of the government schemes to set up on their own
Circle the correct answer
1) Which of the following suggestions is a suitable title for the passage?
A. Self - employment
B. The UK employment market
C. Employed or self - employed?
D. Types of employment
2) Self-employed person
A. has to carry out instructions
B. works for several employers
C. is paid a wage or salary
D. is own employer
3) The passage suggests
A. The pattern of employment is not varied in the UK
B. If you are in a job, you will have it forever
C. It is standard practice for many people in the UK to leave school and work for
themselves.
D. In the UK people can either have the opportunity or the finances to start in business
for themselves

What does each of the following underlined word/phrase refer to?
4) "________ and many of them are classed as self-employed." (Paragraph 1)
5) "by 52% between 1981 and 1991 from 2.2 million to 3.3 million people - and most of
them work on their own." (paragraph 3) ________

Which words in the passage mean the following?
6) jobs _______
7) to classify _______
8) state of being no longer needed for any available jobs _______

TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


28
Fill in each blank with ONE suitable word from the passage
9) the _______ becomes more popular among mothers of young children as they don't have to
work the standard 8 a.m to 5 p.m a day.
10) Self - employed may _______ other people to help them with their business
DNG 8: Writing
16. Read this invitation card and write a short description of the Book Fair for a brochure
INVITATION TO 2002 BOOK FAIR
Youth Cultural Centre
Exhibition of Books in Vietnamese and foreign languages
Free copies of catalogues
Free use of Internet

Publishers from over the country and Oxford University Press
28 February, 2002

17. Write a short essay about The most important thing in life (about 300 words)
DNG 9: Translate skill
18. Paragraph one
Measurements of liquidity should answer the question: Can a company pay its short-term
debts? There are two ratios commonly used to answer this question. Firstly, the current
ratio, which measures the current assets against the current abilities. In most cases, a
healthy company would show a ratio above 1, in other words more current assets than
current liabilities. Another method of measuring liquidity is so-called quick ratio this is
particularly appropriate in manufacturing industries where stock levels can disguise the
companys true liquidity. The ratio is calculated in the same way as above but the stocks
are deducted from the current assets.
19. Paragraph two
Documentary letters of credit may be of two types: revocable or irrevocable. A revocable
credit gives no undertaking to the exporter that payment will actually be made or a bill of
exchange accepted because it may be cancelled or amended at any time up to presentation
of the documents without the prior knowledge of the exporter. An irrevocable credit does
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH


29
not suffer from this disadvantage and consequently is almost invariably specified in
contracts: under such a credit, the issuing bank gives its irrevocable undertaking to make
the payment if all the terms of the credit are met, and can only amend or cancel the credit
with the consent of all parties.











TUYN TP THI VO CC NGN HNG PHN 6 TIN HC


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PHN 6 TIN HC
Phn thi Tin hc l phn thi t c trong cc vng thi vit. Nu c th s c 2 hnh thc: Mt l
t chc phn thi Tin hc trn my v chm bng phn mm; Hai l t chc thi vit dng trc
nghim trn giy (ging nh cc cu hi di y !).
Trong cun sch ny, ti xin tng hp 150 cu hi Trc nghim Tin hc thi vit trn giy hay
gp nht tng thi tuyn trong cc nm qua. Chi tit p n Phn 6 ny xin mi cc bn xem
trang .
(Trc nghim kin thc tin hc c bn: Windows XP & Office 2003)
1. kt thc vic trnh din trong PowerPoint, ta bm:
a) Phm 10 b) Phm ESC c) Phm Enter d) Phm Delete
2. Trong bng tnh Excel, ti A2 c sn gi tr s 25 ; Ti B2 g vo cng thc
=SQRT(A2) th nhn c kt qu:
a) 0 b) 5 c) #VALUE! d) #NAME!
3. Trong son tho Word, mun trnh by vn bn dng ct (dng thng thy tn cc trang
bo v tp ch), ta thc hin:
a) Insert - Column b) View - Column
c) Format - Column d) Table - Column
4. Cch no dng cn l sang 2 bn?
a)

Ctrl + L
b)

Ctrl + J
c)

Ctrl + R
5. Cch no dng in lun ton b vn bn ?
a) n Ctrl + P
b)
Chn biu tng
c) Chn File / Print Preview
d) Chn Data / Print
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PHN P N
P N PHN 1 TRC NGHIM
CHNG 1: TRC NGHIM NGHIP V TN DNG
A - Kin thc v Lut
1. (a) c php
Tr li: Cn c theo iu 37, Lut Doanh nghip 2005: Vn phng i din ca Cng ty nc
ngoi c php i din thay mt cng ty k kt cc hp ng v li ch hp php ca cng ty
nc s ti.
2. (a) Chuyn ton b gc v li sang n qu hn.
Tr li: Theo Khon 2 - iu 13 v Tr n gc v li vn vay ca Q 1627/2001/Q-
NHNN ban hnh ngy 31/12/2001:
Khi n k hn tr n gc hoc li, nu khch hng khng tr n ng hn v khng c iu
chnh k hn n gc hoc li hoc khng c gia hn n gc hoc li, th TCTD chuyn ton b
s d n sang n qu hn.
3. (c) Ti a 12 thng
Tr li: Theo im b - Khon 1 - iu 22 v iu chnh k hn tr n gc v li, gia hn tr
n gc v li - Q 1627/2001/Q-NHNN ban hnh ngy 31/12/2001:
Trng hp khch hng khng tr n ht n gc trong thi hn cho vay v c vn bn ngh gia
hn n, th t chc tn dng xem xt gia hn n. Thi hn gia hn n i vi cho vay ngn hn ti a
bng 12 thng, i vi cho vay trung hn v di hn ti a bng 1/2 thi hn cho vay tho thun
trong hp ng tn dng.
4. (d) C 3 cu u sai
Tr li: Theo Khon 5 - iu 3 v Gii thch t ng ca Q 1627/2001/Q-NHNN ban hnh
ngy 31/12/2001:
Gia hn n vay l vic TCTD chp thun ko di thm mt khong thi gian ngoi thi hn cho
vay tho thun trong hp ng tn dng
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5. (a) Quyn ca TCTD
Tr li: Theo im c - Khon 1 - iu 25 v Quyn v ngha v ca t chc tn dng ca Q
1627/2001/Q-NHNN ban hnh ngy 31/12/2001:
TCTD c quyn: Kim tra, gim st qu trnh vay vn, s dng vn vay v tr n ca khch hng







B - Kin thc Nghip v
6. (d) C 3 cu trn u ng
Tr li: Nguyn tc gii ngn: Phi gn lin s vn ng tin t vi s vn ng hng ha hoc
dch v c lin quan, nhm kim tra mc ch s dng vn vay ca khch hng v m bo kh nng
thu n. Nhng ng thi cng phi to s thun li, trnh gy phin h cho cng vic sn xut kinh
doanh ca khch hng
7. (a) C
Tr li: Khon mc k qu 100% nm trong yu cu v h s ti sn m bo, khng lin quan n
h s ti chnh. Do , vn cn xem xt kh nng ti chnh xc nh xem DN c kh nng tr
n gc v li hng k hay khng.
8. (b) C phiu do ngi vay pht hnh
Tr li: C phiu l giy t chng nhn n ca ngi pht hnh vi cc c ng do n khng
l ti sn c ca ngi pht hnh Ngn hng ch cho vay vi TS m bo m khch hng c
quyn s hu, quyn s dng hoc bng uy tn ca bn th ba.
9. (c) Khng thay i
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Tr li:
Vic huy ng vn bng c phiu Lm tng n di hn Khng nh hng n n ngn
hn
Ton b s vn huy ng bng tin mt c chuyn cho cng ty lin kt thc hin d n
Tin v tng ng tin ca DN khng i
= Vic huy ng vn ny khng lm thay i kh nng thanh ton ngn hn ca DN
10. (a) Tng cng chi ph tr li trung di hn thay v chi ph tr li ngn hn
Tr li:
a - Tng cng chi ph tr li trung di hn thay v chi ph tr li ngn hn: Do chi ph tr li
trung di hn thng thp hn chi ph tr li ngn hn vi cng mt khon vay S gip ngn
hng tit kim chi ph tr li
b - a dng cc hnh thc huy ng vn: Gip NH san s ri ro v m rng th phn huy ng
Tng chi ph tr li trn mi hnh thc huy ng mi.
c - Tng lng tin c bo him bng tin gi: Bo him ri ro cc khon cho vay bng tin
gi l hot ng gip NH m bo thanh khon nhng s khin NH gim i ngun vn ng ra c
th dng u t hoc cho vay Hot ng ny nhm gim ri ro trong hot ng cho vay nhng
s lm gim li nhun ca NH Chi ph tr li tng & T sut LN gim
d - Pht hnh tri phiu: y l knh huy ng vn trung di hn hiu qu, mc ch l NH
c thm vn dnh cho u t v ti tr cho cc khon vay trung di hn Hot ng ny lm
tng chi ph tr li (trung di hn) ca NH
----------------------

CHNG 2: TRC NGHIM NGHIP V K TON NGN HNG

1. (a) M ti khon khng b cm s dng Sc
Tr li: Sc trng l chng t lp sc, c cc t chc cung ng dch v thanh ton in
sn theo mu nhng cha c in y ni dung ca cc yu t theo quy nh ti khon
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1 v khon 2 iu 14 Ngh nh ny v cha c hiu lc l mt t sc. Trn c s chng t
ny, ngi c cung ng sc trng lp nn t sc tr cho ngi c tr tin.
Theo iu 12 v Cung ng sc trng thuc Ngh nh 159/2003/N-CP v/v Cung
ng v s dng sc ban hnh ngy 10/12/2003 th:
1. Cc t chc cung ng sc trng v phm vi cung ng sc trng :
a) Ngn hng Nh nc cung ng sc trng cho cc t chc tn dng v cc t chc khc c
m ti khon thanh ton ti Ngn hng Nh nc;
b) Cc ngn hng cung ng sc trng cho cc t chc, c nhn c s dng ti khon thanh
ton k pht sc theo tho thun gia hai bn;
c) Cc t chc khc c php lm dch v thanh ton sc cung ng sc trng cho cc t
chc, c nhn c s dng ti khon thanh ton k pht sc theo tho thun gia hai
bn.
2. T chc cung ng sc tho thun vi ngi c cung ng sc v cc iu kin v iu
khon s dng sc do mnh cung ng nhng khng c tri php lut.
2. (c) 30 ngy
Tr li: Theo Khon 1, iu 28 v Thi hn v a im xut trnh sc thuc Ngh nh
159/2003/N-CP v/v Cung ng v s dng Sc ban hnh ngy 10/12/2003 th Thi hn
xut trnh ca t sc l 30 ngy, k t ngy k pht
3. (a) Thanh ton cho t sc c k trc
Tr li: Trng hp nhiu t sc c pht hnh bi mt ch ti khon, c np vo ngn
hng cng mt thi im th n v thanh ton xc nh th t thanh ton theo th t s sc
pht hnh t nh n ln.
4. (c) S tin c gi tr nh hn
Tr li: Theo iu 19 v S tin ghi trn Sc thuc Ngh nh 159/N-CP ban hnh ngy
10/12/2003 v Qui ch pht hnh v s dng sc th:
S tin trn sc phi c ghi c bng s v bng ch. Trong trng hp c sai lch gia
s tin ghi bng s v s tin ghi bng ch th s tin c thanh ton l s tin nh hn
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5. (d) Nhiu ln
Tr li: Theo iu 21 v Chuyn nhng Sc thuc Ngh nh 159/2003/N-CP v/v
Cung ng v s dng Sc ban hnh ngy 10/12/2003 th:
1. Sc c k pht c ghi tn ngi c tr tin
a) Mt t sc c k pht c ghi tn ngi c tr tin sau cm t ''Tr theo lnh ca'' -
hoc ch ghi tn ngi c tr tin m khng c cm t trn, th ngi c tr tin c th
chuyn nhng t sc bng cch ghi tn ngi c chuyn nhng, ngy, thng chuyn
nhng, k v ghi r h tn, a ch ca mnh vo mt sau ca t sc (sau y gi l k hu)
v chuyn giao t sc cho ngi c chuyn nhng.
b) Ngi c chuyn nhng t sc ni trn c th chuyn nhng tip bng cch k hu
tng t nh trn.
c) Ngi chuyn nhng t sc ni trn c th chm dt vic tip tc chuyn nhng sc
bng cch ghi trc ch k ca mnh cm t ''Khng tip tc chuyn nhng''.
d) Ngi cm t sc c chuyn nhng bng cch k hu l ngi th hng nu t sc
c chuyn nhng lin tc n ngi .
2. T sc c k pht khng ghi tn ngi c tr tin hoc c ghi cm t ''Tr cho ngi
cm sc'', th ngi th hng c th chuyn nhng bng cch chuyn giao t sc cho
ngi c chuyn nhng m khng cn k hu


----------------------

CHNG 3: TRC NGHIM NGHIP V THANH TON QUC T

1. (d) C a, b v c
2. (d) Ty tng trng hp c th
3. (d) T 3-8-2010 n 3-11-2010
TUYN TP THI VO CC NGN HNG PHN 1 TRC NGHIM KEY


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4. (d) C ba phng n trn u ng
5. (b) 110% gi CIF


----------------------

CHNG 4: TRC NGHIM HIU BIT CHUNG
1. (b) 10
Tr li: Tnh n 31/3/2011, ASEAN (The Association of Southeast Asian Nations Hip hi cc
Quc gia ng Nam ) thnh lp t 8/8/1967, ban u c 5 thnh vin, nay c 10 thnh vin gm:
Thi Lan, Indonesia, Malaysia, Singapore, Philippines, Brunei Darussalam (1984), Vit Nam (1995),
Lo (1997), Myanma (1997), Campuchia (1999).
2. (d) Tt c cc trn
Tr li: Ngn hng l mt loi hnh dch v ti chnh v t vn ti chnh cung cp nhng
sn phm mang tnh cht v hnh, kh c th nh lng c bi vy bc u tin thu
ht nhng khch hng mi l vic to dng nim tin t nhng c ch, thi , tc phong
chuyn nghip mi nhn vin ngn hng.
Trit l kinh doanh hin i (trch t Business Times) c mt cu ni rng: n tng u
tin cng chnh l n tng su sc nht. Cc ngn hng khng ch cnh tranh t dch v,
ph, li sut m cn v vn ha doanh nghip, bi th m ngay t khi gi xe, gp ngi bo
v, bc chn vo ngn hng bn s nhn thy mi mt ngn hng c mt tc phong n
tip khc nhau v to cho bn nhng n tng khc nhau.
3. (a) Nng c Mnh
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37

Nng c Mnh sinh ngy 11/09/1940 ti huyn Na R, tnh
Bc Kn. ng xut thn trong gia nh nng dn, dn tc Ty,
tham gia hot ng cch mng nm 1958, hot ng cch
mng nm 1958, vo ng ngy 5/7/1963.
ng gi cng v Ch tch Quc hi Vit Nam t nm 1992
n nm 2001; l Tng B th Ban Chp hnh Trung ng
ng Cng sn Vit Nam t nm 2001 n nay.
4. (a) Hy Lp

Hy Lp gia nhp khu vc ng tin chung chu u nm
2002, iu ny to nhiu iu kin Hy Lp thu ht vn
t bn ngoi. Thun li ny khin cc quyt nh chi tiu
ca Chnh ph Hy lp tr nn d di hn bao gi ht.
Olympic Athens 2004 c coi l nh im ca s xa hoa
kinh ph.
Chi ph tng vt cng vi ngun thu t thu gim mnh do
suy thoi kinh t ton cu bt u a Chnh ph nc ny
i mt vi mt cuc khng hong ngn sch. Bt n x hi
xy ra nm 2010 khi Chnh ph Hy Lp cng b ni n
300 t euro cng mt lot bin php tht lng buc bng.
5. (b) Philip Kotler

Philip Kotler sinh ngy 27/05/1931 ti Chicago, Hoa K, l mt gio
s Marketing ni ting th gii, cha ca marketing hin i, mt
trong bn Nh qun tr v i nht mi thi i cng vi Peter
Drucker, Fack Welch v Bill Gates (theo bnh chn ca Financial
Times - 2007).





TUYN TP THI VO CC NGN HNG PHN 2 CU HI T LUN KEY


38
P N PHN 2 CU HI T LUN
CHNG 1: CU HI NGHIP V TN DNG
1. Tr li: Theo Q 127/2005/Q-NHNN ban hnh ngy 03/02/2005 v/v Sa i, b sung mt
s iu ca Quy ch cho vay ca TCTD i vi khch hng theo Quyt nh s 1627/2001/Q-
NHNN:
C cu li thi hn tr n l vic TCTD iu chnh k hn tr n, gia hn n vay i vi cc
khon n vay ca khch hng theo hai phng thc sau:
a) iu chnh k hn tr n l vic t chc tn dng chp thun thay i k hn tr n gc
v/hoc li vn vay trong phm vi thi hn cho vay tho thun trc trong hp ng
tn dng, m k hn tr n cui cng khng thay i.
b) Gia hn n vay l vic t chc tn dng chp thun ko di thm mt khong thi gian tr n
gc v/hoc li vn vay, vt qu thi hn cho vay tho thun trc trong hp ng
tn dng.
2. Tr li: Nguyn tc chit khu, ti chit khu ca Agribank: an ton, hiu qu, thc hin
ng quy nh v hn mc kinh doanh v m bo trng thi ngoi t do Ngn hng Nh nc
quy nh tng thi k
iu kin chit khu, ti chit khu:
- Hnh thc chit khu:
= Chit khu ton b thi gian cn li ca giy t c gi (ti a khng qu 91 ngy)
= Chit khu c k hn (thi hn cn li ca giy t c gi ln hn thi hn giao dch)
- Cc loi giy t c gi c chit khu: Tn phiu Ngn hng Nh nc, Tn phiu kho bc,
tri phiu kho bc, tri phiu cng trnh trung ng, Tri phiu chnh quyn a phng pht
hnh.
3. Tr li: Quan im ny hon ton SAI, v:
Vic hon tr n vay khng ch ph thuc vo doanh thu ca DN m cn ph thuc vo
nhiu yu t:
1) Chi ph ca DN: C th doanh thu ca DN ln nhng cha b p cc khon
chi ph (Gi vn hng bn, chi ph bn hng, chi ph qun l, chi ph khc) dn
n Li nhun trc thu to ra khng tr li vay ngn hng
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2) Chu k ngn lu: Chu k tin mt thu chi ca DN khng khp vi k tr gc li
cho ngn hng cng l nguyn nhn khin khch hng mc d c doanh thu hng
nm cao nhng vn chm tr khi n k, n gin v h cha n hn thu tin theo
hp ng k
3) Thin ch tr n ca khch hng: Nhiu khch hng khng t ng tr gc li m
phi i ngn hng nhc nh, cho d khch hng tin tr gc li. C th l do
h khng hoc c tnh i ngn hng bo mi tr n.
4) Cc nguyn nhn khch quan: L cc ri ro nh thin tai, ch ha, chnh tr, x hi
xy ra bt ng, nh hng n hot ng sn xut kinh doanh ca khch hng.
Cc ri ro ny l khng th lng trc do kh nng tr n ca khch hng ch c
th c chng mt cch tng i.
4. Tr li: Nn tip tc cho vay:
Trong s vic ny, nu NH dng cho vay th s ngn hng chu thit. Hn na vic v tnh
DN ti tr TS c nh ca DN trong bi cha nu r mc v s liu c th nn NVTD cn
lm r vn ny hn trc khi a ra kin ngng cho vay.
Bi nu xt thy DN c v tnh ti tr 1 phn nh vn vay nhng tnh hnh kinh doanh v
cng n ca KH vi NH vn tt th vn c th xem xt cho DN tip tc vay vn.
Tuy nhin, pha NVTD cn nhc nh DN khng ti phm ln na, ty mc sai phm
m c th bt phi DN phi vit n cam kt vi NH.


----------------------


CHNG 2: CU HI NGHIP V K TON NGN HNG

1. Tr li: K ton ngn hng (KTNH): l vic thu thp, tnh ton, ghi chp, phn loi, tng
hp cc nghip v kinh t ti chnh v hot ng tin t, tn dng v dch v ngn hng ch
yu di hnh thc gi tr phn nh, kim tra v sot xt ton b hot ng kinh doanh
ca mt n v ngn hng; ng thi cung cp thng tin cn thit phc v cng tc qun l,
TUYN TP THI VO CC NGN HNG PHN 2 CU HI T LUN KEY


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qun tr ngn hng tm vi m v v m, cung cp thng tin cho cc c quan ch qun theo
quy n ca php lut.
i tng ca KTNH: l nghin cu v Vn v s vn ng ca Vn trong qu trnh hot
ng kinh doanh tin t, thanh ton v tn dng trong h thng mt n v ngn hng.
Khi nghin cu i tng Vn, KTNH nghin cu v:
(1) Ngun vn ch s hu: Gm vn t c ca ngn hng, cc qu, vn gp kinh
doanh, vn u t xy dng c bn v kinh ph s nghip, vn thng d thu c t
pht hnh c phiu, vn tch ly t hot ng kinh doanh cc nm trc
(2) Ngun vn huy ng: Gm vn tin gi tit kim, vn thu c pht hnh GTCG
(k phiu, tri phiu, chng ch tin gi ), vn i vay y l ngun vn chim
t trng ln trong tng ngun vn ca mt NHTM.
Khi nghin cu s vn ng ca Vn, KTNH nghin cu v:
(1) Hot ng s dng vn trang tri TSC: nh vic mua sm cc trang thit b,
phn mm, cng c lao ng, phng tin lm vic l c s tin hnh mi hot
ng ca ngn hng
(2) Hot ng s dng vn kinh doanh: nh cho vay, u t kinh doanh chng
khon, vng bc, ngoi t; gp vn lin doanh lin kt L hot ng chnh,
trc tip mang li li nhun cho ngn hng
2. Chng t k ton ngn hng:
Tr li:
1) Khi nim
Chng t k ton ngn hng l cc bng chng bng giy t hoc chng t in t v
nghip v kinh t pht sinh trong hot ng ngn hng xy ra v thc s hon thnh.
Chng t l c s hch ton vo s sch k ton v l cn c php l kim tra vic
chp hnh mnh lnh, chnh sch, quy nh, ch qun l kinh t, ti chnh cng nh kim
tra, thanh tra, kim ton ti cc ngn hng.
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2) Phn loi (Cu tr li cho phin bn Demo nn c rt gn)
a. Cn c vo trnh t lp chng t
Chng t gc
Chng t ghi s
b. Cn c vo i tng lp chng t
Chng t do khch hng lp
Chng t do ngn hng lp
c. Cn c vo tc dng ca chng t
Chng t mnh lnh
Chng t thc hin
d. Cn c vo ni dung chng t: Bao gm mt s loi ch yu
Chng t trong cc nghip v lin quan n ngn qu
Chng t trong cc nghip v tn dng
Cc chng t thanh ton khng dng tin mt
e. Cn c vo hnh thi vt cht
Chng t giy
Chng t in t
3) Tr li: Nhn xt v cu ni Khch hng l thng :
Khch hng chnh l nn tng pht trin ca bt k doanh nghip no. Cu ni Khch
hng l thng khng phi l mt cch ni khoa trng, n gin cu ni mun nhn
mnh tm quan trng ca vic phc v tt khch hng lun l chin lc pht trin lu di
v vng chc ca bt c doanh nghip no. Ngi ta cng hay ni rng Kh chiu nh
chiu thng , nhu cu ca cc thng rt a dng, h khng ch yu cu v s
lng m cn i hi v cht lng rt kht khe.
Quy nh ca khch hng trong th trng cnh tranh hin nay l yu cu v cht lng
v s lng dch v. Khch hng ch n gi nhng ngn hng c dch v tip i, i x
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tt, li sut huy ng cao, nhiu phn thng hp dn; ngoi ra, ch mt b hoa hoc tin
nhn chc mng sinh nht cng h trung thnh vi ngn hng nhiu hn. Vi khch
hng vay vn th h ch trng quy trnh tn dng, mc li sut cho vay v cc iu khon
quy nh vi ti sn v vn cho vay. Nu ngn hng duyt thun cho vay nhanh chng, li
sut u i, nhiu chnh sch tt vi khch hng giao dch lu nm, chc hn h s l nhng
thng tim nng cho s pht trin ca ngn hng. Thng kh chiu nhng nu
nh c c lng tin ca h, cc ngn hng s khng phi lo h khng tr n, khng phi lo
nhc n hng thng v uy tn ca ngn hng chnh l t nhng ci gt u hi lng ca
thng .
3. Tr li: Nhn xt:
Bt c khch hng no n rt tin ti ngn hng, cc GDV u nn n cn hi mc ch rt
tin ca khch hng l g? Sau khi bit r c nhu cu ca h, GDV c th t vn cho h
nhng tin ch m khch hng c th cung cp hoc hi thm th hin s quan tm ti
khch hng. Khch hng l ngi ln tui do h rt k tnh, h c bit ch n
nhng tiu tit l c ch, thi ca cc nhn vin ngn hng. Khch hng li l ngi
giu c nn nhn vin ngn hng cng phi tip i nhit tnh v chu o.
= Chn theo cch lm ca GDV2



P N PHN 3 BI TP
CHNG 1: BI TP NGHIP V TN DNG
Bi 1: Phn tch cc ch s
1) Ch s phn nh kh nng thanh ton
2) Ch s phn nh kh nng tng trng
3) Ch s phn nh kh nng hot ng
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4) Mc t ch v vn
5) Ch s phn nh kh nng sinh li
S dng cc cng thc tnh v gi nh trn, ta c bng sau:
TT Ch tiu
Nm
trc
Nm
nay
n
v
Chnh lch
Tuyt i Tng i
1 Ch s phn nh kh nng thanh ton
Kh nng thanh ton ngn hn 1,04 1,04 (ln) 0,00 0%
Kh nng thanh ton nhanh 0,96 0,92 (ln) -0,05 -5%
Kh nng thanh ton tin mt 0,30 0,21 (ln) -0,09 -29%
2 Ch s phn nh kh nng tng trng
Tc tng trng ti sn - 5,3 (%) - -
Tc tng trng doanh thu - 44,2 (%) - -
Tc tng trng li nhun rng - 8,9 (%) - -
3 Ch s phn nh kh nng hot ng
Vng quay hng tn kho - 21,8 (vng) - -
Chu k hng tn kho - 17 (ngy) - -
Vng quay cc khon phi thu - 3,0 (vng) - -
Chu k cc khon phi thu - 120 (ngy) - -
Vng quay cc khon phi tr - 2,9 (vng) - -
Chu k cc khon phi tr - 126 (ngy) - -
Vng quay vn lu ng - 2,2 (vng) - -
Chu k vn lu ng - 164 (ngy) - -
4 Mc t ch v vn
H s n 0,96 0,96 (ln) 0 0%
H s t ti tr 0,04 0,04 (ln) 0 0%
H s t ti tr ti sn c nh 6,0 6,8 (ln) 0,8 13%
Vn lu ng thng xuyn 23,0 21,1 (ln) -1,9 -8%
5 Nhm ch tiu sinh li
ROE 150,0 151,9 (%) 1,9% -
ROA 6,4 6,6 (%) 0,2% -
ROS 4,1 3,1 (%) -1,0% -
PHN TCH NH GI (This is DEMO Version)
Kh nng thanh ton
Kh nng tng trng
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Kh nng hot ng
Mc t ch v vn
Kh nng sinh li
Phn tch t trng
TNH TON HN MC TN DNG C TH CP CHO CNG TY A
TT Ch tiu S liu k tip n v
1 Doanh thu k k hoch 63.000.000.000 VN
2 Gi vn k k hoch 60.000.000.000 VN
3 Chu k hng tn kho 105 Ngy
4 Chu k khon phi thu 120 Ngy
5 Chu k khon phi tr 17 Ngy
6 S ngy thiu ht 208 Ngy
7 Vn thiu ht 34.666.666.667 VN
8 Chi ph qun l 680.000.000 VN
9 Chi ph bn hng - VN
10
Nhu cu d tr tin
mt ti thiu
198.333.333 VN
11 Ti sn lu ng 29.500.000.000 VN
12 N ngn hn 8.400.000.000 VN
13
Vn lu ng thng
xuyn
21.100.000.000 VN
14 Hn mc tn dng 13.765.000.000 VN
= Hn mc tn dng c th cp cho Cng ty A l 13,765 t ng > 2 t ng theo giy
ngh vay ca Cng ty A.
= C th ph duyt cho Cng ty A vay 2 t phc v hot ng SXKD
KT LUN:
XUT:
Chp thun cho vay cng ty A vay 2 t ng phc v hot ng SXKD. Thi hn cho vay c
cn c vo chu k cc khon phi thu v cc khon phi tr ca cng ty.
Li ch thu c t vic cho vay cng ty A c th c:
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45
M rng hot ng tn dng ti cc khch hng trong lnh vc thng mi in t tin hc l
mt ngnh ngh c tim nng pht trin theo nh hng ca Chnh ph;
M rng quan h tn dng vi c cc i tc ca cng ty A.
Cc ri ro c th xy ra:
Ri ro gim gi v lc hu v cng ngh bi c th ngnh thit b in t tin hc;
Ri ro chy n, ha hon, l lt v cc nguyn nhn khch quan khc;
Ri ro do gi thnh sn phm gim, nhu cu sn phm gim do cnh tranh.
Bi 2:
Cng ty nh vay 80 triu u t vo 1 phn ca 180 triu TSC, gc tr u 4 nm, bt u t
nm 1. Li 10%/ nm Chi ph tr gc hng nm = 20 triu
(Li tnh theo s d n gim dn)

K bng tnh NPV (Mi cc bn xem trong Full Version)

Nu dng MS Excel ta tnh c IRR d dng = hm IRR c sn vi c php: = IRR(Vng t Tng
vn u t TSL ban u cho n Thu nhp rng nm cui cng). Tuy nhin, khi i thi ta bt buc
xc nh IRR bng phng php m li sut chit khu nh sau:








th minh ha cch xc nh IRR

= IRR = 10% + (25% 10%) x (44,09 / (44,09 + |-9,03|) = 22,45% ~ 22%
IRR (%)
B (-9,03; 25)
A (44,09; 10)
10%
-20
NPV
20
40
20%
(NPV = 0; IRR = 22%)
0
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(Khong cch gia IRR
1
& IRR
2
c chn cng ln (> 5%) th gi tr IRR tm c cng kh
chnh xc. Do , gi tr IRR khi tnh ton bng Excel: 21,72% khc vi cch tnh m bng
tay: 22,45%. y ta ly xp x = 22%)

Xem xt hiu qu ca d n:
iu kin cn: Da vo ch tiu NPV, do NPV dng > 0 D n kh thi u t
iu kin : Xt thm ch tiu IRR. Ta thy IRR d n > LS cho vay 10% D n iu
kin cho vay

(Cc bi tp cn li s c gii chi tit trong sch)





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P N PHN 4 IQ V GMAT
I) GMAT

1. 42,86%
Hng dn: Gi ban u ca tp ch l X, sau khi gim gi 30% gi mi l: 0,7X c
mc gi X nh ban u, t tp ch phi tng gi thm: (X 0,7X)/0,7X = 3/7 42,86%
2. 20 qun l & 288 cng nhn
Hng dn: Gi s qun l l a, s cng nhn l b. Ta c:
a/b = 5/72 v a/(b+8) = 5/74
a = 5b/72 = 5(b+8)/74
74b = 72b + 576
b = 288 a = 20
p n: 20 qun l & 288 cng nhn
3. (c) $200.000
Hng dn: Gi tng s tin ca qu l A. Theo bi, s tin ca qu l: A/2 + A/4 + A/5 +
10.000 = 19A/20 + 10.000 = A
= 10.000 chim 1/20 ca qu. Vy tng s tin ca qu l A = 200.000
4. (c) 45
Dch: Cha c s tui gp 3 ln ngi con. Mi lm nm na, ngi cha s c tui gp hai
ln tui ngi con. Do tui hin ti ca ngi cha l:
Hng dn: Gi tui ca ngi con l: a
= S tui hin ti ca ngi cha l a
= 2(a + 15) = 3a + 15
= a = 15 3a = 45 = Tui ngi cha
5. (d) 16
Dch: Nu gi tr c phiu cng ty XYZ gim t 25 USD/cp xung mc 21 USD/cp, s phn
trm gim ca c phiu l?
Hng dn: S phn trm gim ca c phiu cng ty XYZ l (25 21)/25 = 16%



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------------------------- () -------------------------

II) IQ
1. B
Hng dn: Xoay 180
o
mnh ghp v lp ln lt vo cc hnh A, B, C, D, E ta c c kt qu
nh sau (p n l hnh B):

Cu hi i hi s lin tng hnh nh, bn hy cc rng ca tng ng t trn xung di
ca hnh cho, so snh di ngn vi cc hnh A, B, C, D, E. Ch rng, khi so snh hnh ban
u t trn xung th phi so vi cc hnh A, B, C, D, E t di ln.
2. 20
Hng dn: Hiu ca s sau tr s trc (trong dy s) c quy lut l: 1 1 2 2 3 3 4
4
S tip sau 16 l 16 + 4 = 20
3. D
Hng dn: Cc s hng ngang cch nhau: +1, + 2, +3; cc s hng dc cch nhau: +3, +2, +1
= Theo suy lun ny, ta suy ra c:
Hai s ca hng dc th 2 l: 2 + 3 = 5; 5
+ 2 = 7
S ca hng dc th 3 l: 7 + 2 = 9
S ca hng dc th 4 l: 12 + 1 = 13
=

Hnh ph hp nht l hnh D
4. C
Hng dn: Mi vng trn en (hnh A, B, D, E) u c 3 lin kt vi 3 vng trn trng nhng
hnh C ch kt ni vi 2 vng trn trng.
5. (103, 47, 28, 12, 16, 12, 2, 5, 9, 3) cc s ln lt t trn xung, tri sang phi



A B C D E
TUYN TP THI VO CC NGN HNG PHN 4 IQ V GMAT KEY


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TUYN TP THI VO CC NGN HNG PHN 5 TING ANH KEY


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P N PHN 5 TING ANH
DNG 1: Chn p n ng nht
1. Dch: Giao dch hng ha v dch v khng dng tin mt l
a) Giao dch hng i hng
b) i vay
c) Lng
d) Khng p n no ng
Tr li: (d) Khng p n no ng
Giao dch v hng ha v dch v khng dng tin mt khc nhau v bn cht. Giao dch
hng i hng c ngha l ly mt hng ny i ly mt hng khc c gi tr tng ng
(c s dng trc tip gia ngi mua ngi bn v khng thng qua mt trung gian
no); Dch v khng dng tin mt l dch v s dng cc cng c thanh ton phi tin mt
ca cc ngn hng nh thanh ton bng th, sc, chuyn khon
2. Dch: Khi s dng phng php gi tr hin ti rng nh gi mt d n, d n s
c chp thun nu:
a) NPV bng vi s vn u t ban u
b) NPV < 0, nhng sut sinh li ni b (IRR) ti thiu bng li sut tin gi tit kim
c) NPV > 0
d) Cc p n trn u sai
Tr li: (c) NPV > 0
3. Dch: Li ch ca vic a dng ha danh mc u t l:
a) Gim thiu ri ro ca gi danh mc cc ti sn u t
b) Tng t l li nhun k vng ca mi mt ti sn trong
c) Gim thiu ri ro ca mi ti sn
d) Tng t l li nhun ca gi ti sn u t
e) Tt c cc p n trn u sai
f) Tt c cc p n trn u ng
TUYN TP THI VO CC NGN HNG PHN 5 TING ANH KEY


51
Tr li: (a) Gim thiu ri ro ca gi danh mc cc ti sn u t
Ri ro ca tng ti sn u t l khng th thay i c (i din bng hng s Beta ())
do vic a dng ha danh mc u t thnh nhiu TS trong mt gi l gim thiu ri
ro ca c gi danh mc u t .

(Li gii cc cu cn li s c trong phin bn Full Verison ca sch ^^!)








TUYN TP THI VO CC NGN HNG PHN 6 TIN HC KEY


52
P N PHN 6 TIN HC

(Li gii cc cu cn li s c trong phin bn Full Verison ca sch ^^!)





TUYN TP THI VO CC NGN HNG TI LIU THAM KHO


53
TI LIU THAM KHO
Sch tham kho
1) Gio trnh Nghip v Ngn hng Thng Mi, Hc vin Ngn hng.
2) Gio trnh K ton Ngn hng, Hc vin Ngn hng Tp th cc tc gi: Ths. inh c
Thnh, Ths. Nguyn Hng Yn, Ths. Trnh Hng Hnh, Ths.Nguyn Bo Huyn, Ths.
ng Hng Trm. Ths. Nguyn Minh Phng.
3) Gio trnh Ngn hng Trung ng Ch bin: PGS-TS. Nguyn Du, NXB Thng K
2005
4) Sch Tn dng v Thm nh Tn dng Ngn hng TS. Nguyn Minh Kiu
5) Incorterm 2010 Cc iu khon thng mi quc t nm 2010
6) ISBP 681 Tp qun ngn hng v Tiu chun Quc t kim tra chng t thteo L/C
7) UCP 500, UCP 600 Quy tc thc hnh thng nht v tn dng chng t
8) Cc vn bn Lut Kinh t, Lut Doanh nghip, Lut Bo him, Lut Thng mi, Lut
Ngn hng, Lut t ai, Lut Dn s, Lut Cng chng vin

Website tham kho
1) B Ti chnh: www.mof.gov.vn
2) y ban chun mc k ton quc t IASB: www.iasb.org
3) Ngn hng Nh nc Vit Nam: www.sbv.gov.vn
4) Thi bo kinh t Vit Nam: www.vneconomy.vn
5) Bch khoa ton th m: http://vi.wikipedia.org/wiki/
6) Trang thng tin ti chnh: www.saga.vn
7) Trang tm kim: www.google.com.vn

Ti liu tham kho
1) thi tuyn dng vo Ngn hng Nng Nghip & Pht trin Nng thn Vit Nam
(Agribank) cc nm 2009, 2010, 2011
2) thi tuyn dng vo Ngn hng TMCP Si Gn H Ni, Chi nhnh Thng Long, Chi
nhnh Nng cc nm 2008, 2009, 2010, 2011
TUYN TP THI VO CC NGN HNG PHN 6 TIN HC KEY


54
3) thi tuyn dng vo Ngn hng TMCP Phng Nam (SouthernBank)
4) thi tuyn dng vo Ngn hng TMCP Cng thng Vit Nam (Vietinbank) cc nm
2009, 2010, 2011
5) thi tuyn dng vo Ngn hng u t v Pht trin Vit Nam (BIDV) nm 2010
6) thi tuyn dng vo Ngn hng TMCP Qun i (MB)
7) thi tuyn dng vo Ngn hng TMCP Kin Long (KienLongBank) nm 2010, 2011
8) thi tuyn dng vo Ngn hng TMCP i (DaiABank) nm 2009, 2010, 2011
9) thi tuyn dng vo Ngn hng TMCP ng (DongABAnk) nm 2010
10) thi tuyn dng vo Ngn hng TMCP Vit Nam Thnh vng (VPBank) nm 2007,
2009, 2010
11) thi tuyn dng vo Ngn hng TMCP ng Nam (Seabank) nm 2009, 2010
12) thi tuyn dng vo Ngn hng TMCP K thng Vit Nam (Techcombank) nm
2009, 2010

V nhiu thi, ti liu, sch bo, gio trnh tham kho khc!

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