SLide CÁC PHƯƠNG TIỆN THANH TOÁN QUỐC TẾ

CC PHNG TIN THANH TON QUC T
LOGO
Hi phiu
Tin mt
Phng tin TTQT
Sc
Th thanh ton
Hi phiu (Bill of Exchange, Draft)
LCH S RA I CA HI PHIU
Mua bn hng ha quc t (Pht trin mnh thanh ton ngay kh) Th k 12, bn hng tr chm
Ngi mua k vn bn nhn n (Ha phiu)
Ngi bn cn vn kinh doanh: - Pht hnh ha phiu mua chu - Dng ha phiu ang s hu thanh ton cho ngi khc
Hi phiu: - Ngi bn: pht hnh hi phiu - Ngi mua: k chp nhn tr n - c s dng ch yu t th k 16
HI PHIU
L mnh lnh tr tin v iu kin ca ngi k pht (drawer) Yu cu ngi b k pht (drawee): - khi nhn thy hi phiu, hoc - ti mt ngy c th trong tng lai Phi tr 1 s tin nht nh cho ngi th hng
C IM CA HI PHIU
- Tnh tru tng v c lp - Khng cn nu nguyn nhn lp hi phiu - Khng cn km theo bt c hp ng c s cho vic lp hi phiu - Lut nghim cm pht hnh hi phiu khng - Tnh bt buc tr tin: l mt mnh lnh i tin (pay to the order of) - Tnh lu thng: thanh ton, chuyn nhng, cm c, th chp vay vn, chit khu, k hu sang ngi khc.
CC VN PHP L LIN QUAN N TO LP HI PHIU Cc iu kin ch th: - Ngi pht hnh phi nng lc hnh vi v nng lc php l, khng phn bit php nhn hay th nhn (t chc hay c nhn). - Vit Nam qui nh ch cc doanh nghip mi c pht hnh thng phiu.
CC VN PHP L LIN QUAN N TO LP HI PHIU

Cc yu t php l v hnh thc khi to lp HP: - HP phi c to lp di dng vn bn, l 1 chng t ti chnh, bng giy. - Hnh thc v ngn ng trn HP: phi l ngn ng thng nht, nu c nhiu ngn ng th v hiu lc, khng c gi tr khi s dng mc , bt ch. - S bn ca HP: HP c th pht hnh thnh 1 hay nhiu bn chnh - S HP: Do ngi XK t ghi, t nh s ch lut khng qui nh. Nhng nu L/C yu cu th phi in ng nh L/C.
CC VN PHP L LIN QUAN N TO LP HI PHIU - Tiu HP: Lut chu u bt buc, Lut Anh khng bt buc. - a im pht hnh: Mc ch chn lut iu chnh. - Ngy thng k pht HP: Mi HP khng ghi ngy thng u khng c gi tr i vi mi lut cho d L/C c yu cu hay khng.
CC VN PHP L LIN QUAN N TO LP HI PHIU - Thi hn tr tin ca HP: + Nguyn tc ghi: phi ghi thi hn l v iu kin + Nu c ghi iu kin th HP v gi tr. VD: Sau khi hng ha c kim nghim xong, th tr tin ngay 60 ngy sau ngy nhn hng xong, tr ngay cho V hiu 60 ngy k t ngy k pht hi phiu C hiu lc
CC VN PHP L LIN QUAN N TO LP HI PHIU - Tn ngi hng li: c ghi trn HP. - S tin ca HP: phi l s tin nht nh, c k hiu tin t. Hu ht cc nc hoc ghi c bng s v bng ch. - C c ghi li sut bn cnh s tin ca HP?

Nu s tin bng s v bng ch ghi mu thun nhau th hi phiu c gi tr thanh ton khng? + PLVN 1999, 6: S tin nh hn c gi tr thanh ton. + LCCCCN 2007, 16: S tin bng ch c gi tr thanh ton. + UCC USA1962, 3 115: iu khon nh my s loi b nhng iu khon in sn. iu khon vit tay s loi b c 2 iu khon trn. iu khon bng ch loi b cc iu khon bng s. + Geneve 1930: S tin bng ch c gi tr thanh ton + Lut cc CCCN Trung Quc v ISBP (Tp qun NH tiu chun quc t): S tin bng s v bng ch phi c gi tr nh nhau
- HP i tin bng L/C: phi dn chiu - Ngi tr tin HP: Ngi NK, ngi pht hnh L/C, thng c qui nh gc di cng bn tri ca hi phiu. - Tn, a ch ngi k pht: bt buc phi c ch k, ghi gc di cng bn phi ca HP. - Cc ni dung khc: theo ci g, vo ti khon no
PHN LOI HI PHIU

1/Cn c vo thi hn tr tin
HP tr tin ngay HP c k hn 2/cn c vo chng t km theo HP trn HP km chng t
PHN LOI HI PHIU

3/Cn c vo tnh chuyn nhng HP ch danh HP v danh HP chuyn nhng theo lnh 4/Cn c vo ngi k pht HP HPTM HPNH 5/Cn c vo phng thc tr tin AD trong ngoi thng HP nh thu HP tn dng chng t
VD MU V CC LOI HP
Bn XK: CT X, a ch s 30 Trn Ph , H Ni, c TK ti VIETCOMBANK Bn NK: CT Y, a ch 18 Bank Street, New York, c TK ti Citybank New York HTM s 123/HN/HTX , ngy 1/7/2008 Ho n TM s 123/HN/HTX ngy 15/8/2008 Tr gi H: 2.000USD Cn c ho n, ngy 20/8/2008, X k HP vi Y Lp HP vi k thanh ton ngay khi nhn thy, Ngi XK k pht HP theo phng thc nh thu
BILL OF EXCHANGE No.:001 For: USD 2.000 Ha Noi,August 20th 2008
At sight of this first Bill of Exchange (second of the same tenor and date being unpaid) Pay to the order of X Company the sum of United States Dollars two thounsands To : Y Company No.18,Bank Street,New York X Company No.30,Tran Phu Street,Ha Noi
THANH TON C K HN THEO PHNG THC NH THU Tr tin sau 80 ngy sau ngy cp B/L: At 80 days after B/L date sight of Tr tin sau 80 ngy k t khi nhn c HP: At 80 days after sight of Tr tin sau 80 ngy sau ngy lp HP: At 80 days after date sight of
MU HP THEO PHNG THC L/C (HP CHUYN NHNG THEO LNH)

BILL OF EXCHANGE(1) No:001 For : USD 2.000 Ha Noi,August 20th 2008
At 80 days after sight of this first Bill of Exchange (second of the same tenor and date being unpaid) Pay to the order of Vietcombank the sum of United States Dollars two thounsands
Value received as per our invoice(s) No.:.. dated:.. Drawn under:. confirmed/irrevocable/without recourse L/C No.:. dated/wired
To: Citybank New York
X Company
No.30 Tran Phu Street ,Hanoi
VD V HP CH DANH KHNG CHUYN NHNG

BILL OF EXCHANGE(1) No.: For:(2) Ha Noi, (7)
At(4).sight of this first Bill of Exchange (second of the same tenor and date being unpaid) Pay to Mr.X only the sum of(2)
To:(3) (5)...
(name and address of Drawer) (signature) (8)
HP CH DANH KHNG CHUYN NHNG

At(4).sight of this first Bill of Exchange (second of the same tenor and date being unpaid) Pay to Mr.X,non-negotiable the sum of(2)
To:(3) (5)...
HP CH DANH CHUYN NHNG ( NGI TH HNG C TH CHUYN NHNG HP BNG CCH K HU)
At(4).sight of this first Bill of Exchange (second of the same tenor and date being unpaid) Pay to Mr.X the sum of(2)
To:(3) (5)...
CC NGHIP V C BN TRONG LU THNG HI PHIU
Cc nghip v c bn trong lu thng
Chp nhn hi phiu
K hu hi phiu
Khng ngh hi phiu
HP
Bo lnh hi phiu
1.CHP NHN HI PHIU

KN: l hnh vi tha nhn mn n ca ngi tr tin, cam kt s tr tin ng hn t HP . Vic chp nhn do ngi tr tin HP (drawee). (L
hnh vi ca ngi b k pht cam kt thanh ton v iu kin n hn)
Loi HP phi chp nhn: HP tr chm: Ngi c ngha v tr tin trn HP phi k chp nhn. HP tr ngay: ngi th ba chp nhn Cng thc chp nhn: Chp nhn ngay trn t HP, mt trc, gc tri cui cng ca t HP. Ngi chp nhn ghi ch chp nhn: accepted, agreedby. Ghi ngy thng, k tn km chc danh.
1.CHP NHN HI PHIU

+ Xut trnh trc tip + Th m bo
Chp nhn
Chp nhn l v iu kin
+ Ghi trc tip trn hi phiu + Bng th (in ) + Chp nhn ton b + Chp nhn mt phn + Chp nhn thng mi + Chp nhn ngn hng
+ Ngy chp nhn l bt buc + Ngy chp nhn l ty
1.CHP NHN HI PHIU

Hn mc chp nhn: Chp nhn thanh ton ton phn hay tng ln gi tr ca HP. Hnh thc chp nhn: - Ngay trn HP - Vn th ring bit
1.CHP NHN HI PHIU

- Ngi b k pht sau khi k chp nhn tr thnh ngi chp nhn.
- i vi HP c KH th phi c xut trnh chp nhn thanh ton. - Ti sao phi k chp nhn? + HP tr ngay vic k chp nhn l ko cn thit + HP c KH ko bt buc nhng l cn thitc s tin cy trong lu thng - K chp nhn l v iu kin, ngi k chp nhn khng c a ra bt k iu kin no khi chp nhn HP
1.CHP NHN HI PHIU

- Ngy thng k chp nhn? + bt buc i vi HP c k hn sau X ngy k t ngy chp nhn HP + cc trng hp khc ghi ngy thng k chp nhn l khng cn thit
- Khi HP b t chi chp nhn? + HP khng tun th cht ch v mt hnh thc v ni dungsai st khin HP ko c thanh ton hay khng c chp nhn u thuc trch nhim ca ngi k pht
2. K HU HI PHIU
KN: l hnh vi chuyn nhng quyn s hu sang cho ngi khc hng li hin hnh ca t HP bng cch thc hin vic k chuyn nhng vo mt sau ca t HP v chuyn giao HP cho ch mi. Loi HP: - HP theo lnh to order: k hu vo mt sau. - HP ch danh: khng chuyn nhng bng k hu c. - HP v danh: khng chuyn nhng bng k hu m chuyn nhng bng trao tay trc tip.
PHN LOI
K hu hi phiu
K hu trng (Blank Endorsement)
K hu theo lnh (to order endorsement)
K hu hn ch ( restrictive endorsement
)
K hu min truy i (without recourse endorsement

)
- K hu trng ( blank endorsement) + Ngi k hu ch k tn mt sau t hi phiu. + Ngi k hu khng ch nh ngi c hng li l ai. + Ngi k hu ch k tn mt sau v nu ghi th ghi chung chung : tr cho....
- K hu theo lnh: ( to order endorsement):

+ Ngi k hu ch ghi cu: tr theo lnh ng X v k tn.
K hu hn ch, ch danh (restrictive endorsement): L vic k hu ch r ngi c hng li hi phiu v ch tr cho ngi m thi. K hu min truy i (without recourse endorsement): L vic k hu m ngi k hu ghi thm cu min truy i ngi k hu cng vi 1 trong 3 loi k hu ni trn.
V D
Pay to the order of bank A, WR, Mr A
M2 = M1 + PKN
MT MT
A (drawerngi k pht)
D M1 = HP + PKN
Xut khu
Nhp khu
3. BO LNH THANH TON

KN: l s cam kt ca mt ngi th 3 v kh nng thanh ton ca HP cho ngi hng li khi HP n hn tr tin. (Ngi th 3: NH/ cng ty ti chnh) Cng thc: - Thng mt trc ca HP - Ghi r tn ngi c bo lnh, nu khng ghi, c hiu l bo lnh cho ngi k pht. - Ngi bo lnh k tn.
BO LNH THANH TON

Hnh thc: C th bo lnh ngay trn HP hay pht hnh mt th bo lnh ring. Tnh cht: c lp, khng th hu b. mt bo lnh thc s c gi tr th ngi bo lnh thng l mt ngn hng c uy tn => gi b mt v ti chnh cho ngi c bo lnh
4. KHNG NGH HI PHIU

KN: xy ra khi ngi hng li cui cng xut trnh HP i tin, b ngi tr tin t chi thanh ton hoc t chi thanh ton hoc t chi chp nhn th ngi hng li cui cng c th lm th tc khng ngh truy i ti cc bn lin quan: ngi k pht, ngi k hu cho mnh, ngi bo lnh (nu c). Th tc: phi lm thnh vn bn v nu r l do t chi thanh ton hay chp nhn thanh ton v gi cho nhng ngi c lin quan. Thng lng: Nu cc bn khng th thng lng gii quyt tranh chp, c th a ra to n hoc trng ti, vn bn khng ngh l mt trong nhng h s ca v kin.
Mu HP: Bill of Exchange
BILL OF EXCHANGE No.:.. For:. ,................
At .sight of this first Bill of Exchange (second of the same tenor and date being unpaid), pay to the order ofthe sum of.
To:
(Name & address of Drawer) Signature
37
V D
BILL OF EXCHANGE 1 & 2
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BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
At sight of this FIRST Bill of Exchange (SECOND of the same tenor and date being unpaid) pay to the order of BANK FOR FOREIGN TRADE OF VIETNAM HANOI BRANCH the sum of : United States Dollars seventeen thousand eight hundred and eight only. Value received as per our invoice(s) No (s) 09/PN-HM/2008 Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007
To: WOORI BANK seoul
VIETNAM IMPORT AND EXPORT Dongda, Hanoi, Vietnam

39
BILL OF EXCHANGE No: 09/PN-HM/2008 For : USD17,808.00 FEB.,14TH 2008
At sight of this SECOND Bill of Exchange (FIRST of the same tenor and date being unpaid) pay to the order of BANK FOR FOREIGN TRADE OF VIETNAM HANOI BRANCH the sum of : United States Dollars seventeen thousand eight hundred and eight only. Value received as per our invoice(s) No (s) 09/PN-HM/2008 Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007
To: WOORI BANK seoul
VIETNAM IMPORT AND EXPORT Dongda, Hanoi, Vietnam

40
Tiu ca hi phiu
No: 09/PN-HM/2008 For : USD17,808.00 BILL OF EXCHANGE FEB.,14TH 2008
At sight of this FIRST Bill of Exchange (SECOND of the same tenor and date being unpaid) pay to the order of BANK FOR FOREIGN TRADE OF VIETNAM HANOI BRANCH the sum of : United States Dollars seventeen thousand eight hundred and eight only. Value received as per our invoice(s) No (s) 09/PN-HM/2008 Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007 To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT
Dongda, Hanoi, Vietnam
41
S hiu hi phiu
BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
At sight of this FIRST Bill of Exchange (SECOND of the same tenor and date being unpaid) pay to the order of BANK FOR FOREIGN TRADE OF VIETNAM HANOI BRANCH the sum of : United States Dollars seventeen thousand eight hundred and eight only. Value received as per our invoice(s) No (s) 09/PN-HM/2008 Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007 To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT
42
S tin
BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
At sight of this FIRST Bill of Exchange (SECOND of the same tenor and date being unpaid) pay to the order of BANK FOR FOREIGN TRADE OF VIETNAM HANOI BRANCH the sum of :
United States Dollars seventeen thousand eight hundred and eight only.
Value received as per our invoice(s) No (s) Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007
09/PN-HM/2008
To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT
43
Thi hn tr tin
BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
09/PN-HM/2008
44
Ngn hng tr tin

BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
Value received as per our invoice(s) No (s) Dated FEB.,14TH 2008 Drawn under: WOORI BANK, SEOUL Irrevocable L/C No: MD1L1706RS00168 Dated / Wired: DEC.,28TH 2007 To: WOORI BANK seoul
09/PN-HM/2008
VIETNAM IMPORT AND EXPORT
45
Ngi hng li
BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
09/PN-HM/2008
46
Ngn hng th hng

BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
09/PN-HM/2008
47
Tham chiu chng t km theo

BILL OF EXCHANGE
No: 09/PN-HM/2008 For : USD17,808.00
FEB.,14TH 2008
09/PN-HM/2008
48
BI TP 1
Tng cng ty sn xut bng tm Hong Anh xut khu hng sang Singapore cho HeyShu Co., Ltd Singapore. Irrevocable L/C tr chm 180 ngy k t ngy xut trnh, s 00105LCSBOC ca Bank of Singapore, m ngy 28/6/2009 Tng s tin 600.000 USD NH thng bo: NHCT Vit nam Ha n thng mi k ngy 18/7/2009 tng gi tr 600.000 USD Yu cu: Hy k pht hi phiu thng mi
49
BI TP 2
Bn XK: Cng ty Parker Processing, 129 New Street, New York, USA Bn NK: Cng ty TNHH Ph An, Hong Lit, Hong Mai, Hanoi, Vietnam L/C s 098765LCVCB ca NHCPNT Vit nam m ngy 1/8/2008 theo yu cu ca Cng ty Hong Long, tr gi l hng 100.000USD, tr chm 90 ngy NH phc v nh XK: Citibank New York Ngy 1/9/2008, hi phiu thng mi c k pht i tin nh sau:
50
BI TP 3: Sa li sai
BILL OF EXCHANGE No.:901E For:100.000$ New York, 1/9/ 2008
At 30 days after sight of this first Bill of Exchange (second of the same tenor and date being unpaid), pay to the order of Parker Processing Company Ltd. the sum of ONE THOUSAND DOLLAR Value received and charge the same to account of Vietcombank Headquarter, Hanoi, Vietnam Drawn under: HoangLong Export-Import Company, Hanoi, Vietnam L/C No.: 098765 dated August 11, 2009 To: Citibank New York Parker Processing Company Ltd 129 New Street, New York, USD Signature 51
BI TP 4
HI PHIU No.:15/ex S tin:100.000$ TOKYO, ngy 24 thng 05 nm 2008
180 ngy sau khi nhn thy bn th nht ca hi phiu ny (bn th hai c cng ni dung ngy thng khng phi tr tin) tr theo lnh ca SUMITOMO BANK TOKYO JAPAN mt s tin l mt trm ngn la m chn. S tin v chi ph cng loi tnh vo ti khon: Cng ty intimex H Ni Vit Nam K pht i tin Ngn hng Ngoi thng Vit Nam H Ni Theo L/C s 26/12/IM m ngy 31 thng 01 nm 2008. Gi: NH Ngoi thng Vit Nam H Ni
Mishubishi co, Ltd
Tokyo - Japan
BI TP 4: Hy cho bit
Loi hi phiu? Ai l ngi xut khu? Ai l ngi nhp khu? Ai l ngi yu cu m L/C? 5. Ai l ngi hng li hin hnh Hi phiu 6. Ai l ngi c quyn chuyn nhng Hi phiu? 1. 2. 3. 4.
7. Ai l ngi c ngha v phi k chp nhn HP ny? 8. Ai l ngi lp ra HP? 9. Ngn hng no l NH m L/C? 10. Ngn hng no l NH thng bo L/C?
BI TP 5: K PHT HP
Cng ty VINAFCO Vit Nam k hp ng bn ht iu s ch cho cng ty JOHN SMITH co, ltd Hoa K vi gi 9 USD/kg FOB cng Saigon theo INCOTERM 2000, vi s lng 20MT dung sai 10% giao hng trong thng 12 nm 2005. Ngy 15 thng 11 nm 2005, JOHN SMITH co, ltd Hoa K m mt L/C khng th hy ngang s 2005/867, tr ngay t ngn hng Bank of New York ti NH Ngoi thng Vit Nam cho VINAFCO VN hng vi s tin l 180,000 USD. Thi hn giao hng chm nht l 30/12/2005 v L/C c hiu lc trong vng 60 ngy k t ngy m. Cng ty VINAFCO VN giao hng tr gi 170,000 USD ng hn nh qui nh trong L/C. Hy k pht i tin theo L/C ca hp ng ni trn.
Sc (Cheque)
55
KHI NIM
Sc (check, cheque) l mnh lnh i tin
V iu kin Do khch hng lp ra Yu cu Ngn hng trch t ti khon ca mnh mt s tin nht nh Thanh ton cho ngi th hng Chc nng: - L phng tin thanh ton - C gi tr thanh ton nh tin t
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PHN LOI
Theo tnh cht chuyn nhng
Sc ch danh (Nominated Check) Sc v danh (Bearer Check) Sc theo lnh (Check to oder )
Theo c im s dng
Sc tin mt Sc chuyn khon (Check transferable) Sc gch cho Sc bo chi/ Sc xc nhn (Certified check) Sc du lch (Traverllers Check)
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Tnh cht chuyn nhng

1. Sc ch danh
Ghi r tn ngi th hng Khng th chuyn nhng c bng th tc k hu (trn t sc ghi: not to order) Ch c Ngi th hng (ngi c ghi tn trn sc) mi c n ngn hng nhn tin
2. Sc v danh
Khng ghi tn ngi th hng Ch ghi: Tr cho ngi cm sc Bt c ai cm sc cng l ngi th hng Khi chuyn nhng khng cn k hu m ch cn trao tay
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Tnh cht chuyn nhng

3. Sc theo lnh
Ghi: tr theo lnh ngi th hng ghi trn sc VD: Tr theo lnh ca ng X C th chuyn nhng c bng th tc k hu nh i vi hi phiu
Theo c im s dng
1. Sc tin mt Ngn hng thanh ton s tr trc tip bng tin mt Ghi ch danh ngi hng li Khng chuyn nhng c 2. Sc bo chi - c ngn hng xc nhn vic tr tin - m bo kh nng chi tr, chng pht hnh sc khng - Ghi: Xc nhn s tin tr n ngyti ngn hng
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Theo c im s dng
3. Sc chuyn khon Ngi k pht yu cu NH trch t TK ca mnh chuyn sang TK ca ngi khc Khng th chuyn nhng c Khng lnh c tin mt
4. Sc gch cho
-L loi sc m trn mt trc c 2 gch song song -Khng th dng rt tin mt, dng chuyn khon trong ngn hng -Sc gch cho do ngi th hng gch cho bng 2 cch
Gch cho thng

Gch cho khng ghi tn Ngn hng lnh h tin Ngn hng no cng c th thc hin vic thanh ton
Gch cho c bit

C ghi tn ( ghi tn ngn hng no ) Ch c Ngn hng mi c quyn lnh h tin
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Theo c im s dng
5. Sc du lch
- Do ngn hng pht hnh - Ngn hng pht hnh ng thi l ngn hng tr tin - Yu cu bt c chi nhnh, i l no ca NH cng phi tr tin cho ngi cm sc - Ghi r khu vc lnh tin, ngoi khu vc khng c gi tr lnh tin - Sc in sn mnh gi - Phi c ch k ca ngi th hng - Thi hn ca t sc l v hn
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Cc bn tham gia
Ngi pht hnh
l ngi c ti khon pht hnh sc ngn hng ngn hng, phi chp nhn v iu kin l ngi nhn B
tin t t sc: c th do ngi pht hnh ch ch danh hoc thng qua chuyn nhng
Ngi tr tin
Ngi th hng
65
QUY NH THI GIAN XUT TRNH SC
Quc gia
sc lu thng trong phm vi mt quc gia : 8 ngy k t ngy ghi trn sc
cng chu lc
sc lu thng gia cc nc cng chu lc : 20 ngy k t ngy ghi trn sc
Khc chu lc
sc lu thng gia cc nc khc chu lc : 70 ngy k t ngy ghi trn sc
www.themegallery.com
Hnh thc
ngi pht hnh lu nhng thng tin cn thit
trao cho ngi th hng
Company Logo
Ni dung ca t Sc
Nhng yu t bt buc: 1. Danh t Sc 2. Lnh tr tin v iu kin mt s tin nht nh 3. Ngi tr tin 4. Ni tr tin 5. Ngy thng v ni pht hnh 6. Tn, a ch, s hiu ti khon v ch k ca ngi pht hnh sc
Company Logo
3.Ngi tr tin
Ni dung ca t Sc
1. Danh t Sc
5. Ngy pht hnh tin 2. S nht nh 4.Ni tr tin
6. Ch k ngi pht hnh
Company Logo
U IM KHI THANH TON SC Thun li v nhanh chng trong giao dch mua bn. Ngi mua hng k sc a cho ngi bn v ngi bn ch cn cm sc ra ngn hng l c th nhn c tin.
NHC IM KHI THANH TON SC

Quy trnh giao dch sc gp nhiu ri ro hn so vi tn dng.
S nhn dng v quyn li ca ngi nhn khng l thuc vo bt c s xc nhn bn ngoi no bi ngi nhn c c cng c thanh ton trc khi trnh n ln ngn hng. Ngi tr cng c th d dng vit sc m khng cn tin bo chng
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MICR Gii t tnh
74
75
S lu thng SC
1
Ngi bn giao hng cho ngui mua Ngn hng
Ngi bn hng
Ngi mua hng
76
S lu thng SC
2
Ngi mua k pht SC cho ngui bn
Ngn hng
Ngi bn hng
Ngi mua hng
77
S lu thng SC
3
Mang SC n Ngn Hng lnh tin Ngn hng
Ngi bn hng
1 2
78
Ngi mua hng
S lu thng SC
4
Ngn Hng thanh ton Ngn hng
Ngi bn hng
1 2
79
Ngi mua hng
S lu thng SC
5
Quyt ton SC gia NH v ngui mua Ngn hng 4
Ngi bn hng
1 2
80
Ngi mua hng
im khc nhau gia Sc v Hi phiu

SEC Do ngi mua lp L 1 sn phm ca ngn hng giao cho khch s dng => phi thanh ton thng qua ngn hng Ngn hng phi thanh ton cho ngi hng th ngay khi c yu cu Thanh ton bng tin mt hay chuyn khon tu loi SEC Ch c 1 bn cho mi giao dch Khng km chng t HI PHIU Do ngi bn lp Do 1 ngi k pht cho ngi khc,yu cu tr tin =>c th khng phi thanh ton thng qua ngn hng C k hn chi tr 1 s loi hi phiu Thng ngi nhn lnh phi thanh ton bng tin C nhiu bn cho 1 giao dch v nh s th t C loi phi km chng t
81
Cc t chc cung ng sc v tham gia vo qu trnh thanh ton, thu h sc
NGN HNG
QU TDND
TC PHI TD
Ngn hng Nh nc VN
Kho bc Nh nc
Ngn hng thng mi Ngn hng pht trin Ngn hng u t
Ngn hng chnh sch

Ngn hng hp tc Cc loi ngn hng khc
82
Cu to chung ca 1 t sc
trao cho ngi th hng

ngi pht hnh lu nhng thng tin cn thit 83
c p dng k t ngy 15/01/2007
Mu sc ca BIDV
Ngn ng chnh: Ting Vit Ph: ting nc ngoi thng dng Kch thc ca Sc: Khng quy nh tiu chun bt buc
9 cm
Gii t tnh MICR (tiu chun in v mc in theo quy nh)
S sc
M NH ca ngi B k pht
S ti khon K pht sc
M Chng t
5 cm
18 cm
Sc c dng trong thanh ton qua Trung tm thanh ton b tr

84
Cc yu t c th trn phn tch ri

Ngy kbthanh ton: c ni NH hoc Chobngxut lv do ngiphi ton nhau. a impht: s Bt buc phisc TC cung ng v chngthanhtonkhp g?nh. Ngi k L cn c c ghi c bit s S tin: SC: tin l th, xc nh thi hn tontrnh v ch, ton(thng Danh t L 1pht: Tn ca t c c thanhy dch v thanh k pht quy c bng t thanh sc. Ngi c tr tin: Tn ca pht Tn v Ch k ca ngi k t chc/ H & tn ca c nhn ngi c tr tin Sc thanh ton qua lch,thanhtrn (mttin ghiton choa im KD ca ngik pht Nu sn) Sc khng TT.TTBT s ton c thanh ton l mitin nh hndng nhn dng ghi trn Nu c sai ghiin pha tin s thanh trn t sc lnh ca Ngi b k pht Trch nhimth c hiu ng khung ti s c th yu cu l trc) ca Sc theo s d
3
5 4
1
6
2 7 2
85
CC HNH VI B CM
1. Lm gi cng c chuyn nhng, sa cha hoc ty xa cc yu t trn cng c chuyn nhng. 2. C lu thng cng c chuyn nhng b lm gi, b sa cha, b ty xa 3. K cng c chuyn nhng khng ng thm quyn hoc gi mo ch k trn cng c chuyn nhng. 4. Chuyn nhng cng c chuyn nhng khi bit cng c chuyn nhng ny qu hn thanh ton hoc b t chi chp nhn, b t chi thanh ton hoc c thng bo b mt. 5. C pht hnh cng c chuyn nhng khi khng kh nng thanh ton. 6. C pht hnh sc sau khi b nh ch quyn pht hnh 86 sc.
Nhng iu khon khng cu thnh nn t Sc

iu kin tr tin: Khng c ghi bt c iu kin no k c c hay khng. (k tr tin # Ni dung tr tin) Chp nhn: V sc c thanh ton ngay khi xut trnh nn khng tn ti iu khon ny. Tin li: Sc c thanh ton ngay 1 ln ng bng mnh gi Khng c c iu ny K hn tr tin: khng c n nh mt ngy n hn c th Nu khng Sc s khng c gi tr Min tr bo m tr tin: Ngi pht hnh lun lun phi m bo s tr tin ca sc
87
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CC PHNG TIN THANH TON QUC T

Phng tin TTQT

Hi phiu (Bill of Exchange, Draft)

Ngi mua k vn bn nhn n (Ha phiu)

CC VN PHP L LIN QUAN N TO LP HI PHIU

CC VN PHP L LIN QUAN N TO LP HI PHIU

CC VN PHP L LIN QUAN N TO LP HI PHIU

PHN LOI HI PHIU

HP tr tin ngay HP c k hn 2/cn c vo chng t km theo HP trn HP km chng t

PHN LOI HI PHIU

BILL OF EXCHANGE No.:001 For: USD 2.000 Ha Noi,August 20th 2008

MU HP THEO PHNG THC L/C (HP CHUYN NHNG THEO LNH)

To: Citybank New York

VD V HP CH DANH KHNG CHUYN NHNG

(name and address of Drawer) (signature) (8)

HP CH DANH KHNG CHUYN NHNG

(name and address of Drawer) (signature) (8)

(name and address of Drawer) (signature) (8)

CC NGHIP V C BN TRONG LU THNG HI PHIU

Cc nghip v c bn trong lu thng

Chp nhn hi phiu

Khng ngh hi phiu

1.CHP NHN HI PHIU

1.CHP NHN HI PHIU

Chp nhn l v iu kin

1.CHP NHN HI PHIU

1.CHP NHN HI PHIU

1.CHP NHN HI PHIU

K hu trng (Blank Endorsement)

K hu theo lnh (to order endorsement)

K hu min truy i (without recourse endorsement

- K hu theo lnh: ( to order endorsement):

3. BO LNH THANH TON

BO LNH THANH TON

4. KHNG NGH HI PHIU

Mu HP: Bill of Exchange

BILL OF EXCHANGE No.:.. For:. ,................

(Name & address of Drawer) Signature

No: 09/PN-HM/2008 For : USD17,808.00

To: WOORI BANK seoul

VIETNAM IMPORT AND EXPORT Dongda, Hanoi, Vietnam

BILL OF EXCHANGE No: 09/PN-HM/2008 For : USD17,808.00 FEB.,14TH 2008

To: WOORI BANK seoul

VIETNAM IMPORT AND EXPORT Dongda, Hanoi, Vietnam

Dongda, Hanoi, Vietnam

No: 09/PN-HM/2008 For : USD17,808.00

Dongda, Hanoi, Vietnam

No: 09/PN-HM/2008 For : USD17,808.00

To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT

Dongda, Hanoi, Vietnam

No: 09/PN-HM/2008 For : USD17,808.00

To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT

Dongda, Hanoi, Vietnam

Ngn hng tr tin

No: 09/PN-HM/2008 For : USD17,808.00

VIETNAM IMPORT AND EXPORT

Dongda, Hanoi, Vietnam

No: 09/PN-HM/2008 For : USD17,808.00

VIETNAM IMPORT AND EXPORT

Dongda, Hanoi, Vietnam

Ngn hng th hng

No: 09/PN-HM/2008 For : USD17,808.00

To: WOORI BANK seoul VIETNAM IMPORT AND EXPORT

Dongda, Hanoi, Vietnam