So sanh HP va Sec. Hi phiu v sc cng l giy xc nhn bn k thc s chi tr cho bn nm gi 1 s tin nht nh ghi trong hi phiu / sc.

Do ,nu bn nm gi sc ca cng ty B th bn c th n ngn hng,ngn hng s chuyn tin t ti khon cty B sang ti khon ca bn,hay nu cng ty b k vo 1 hi phiu th khi bn cm t hi phiu n cng ty B xin thanh ton th cng ty b c ngha v thanh ton cho bn. Hi phiu khc sc ch hi phiu l v danh,cn sc l nh danh.V danh ngha l khng c tn ngi th hng trn hi phiu,do bt c ai cm t hi phiu th ng c quyn i cty thanh ton cho mnh.nh danh l t sc c ghi r tn ng c th hng ,do ,ngn hng ch chp nhn thanh ton nu bn chng minh c mnh l ng c tn ghi trn t sc.Do s khc nhau ny m hi phiu c th mua bn c cn sc th khng ( ai ngu g b tin ra mua 1 t sc khi bit gi tr ghi trn t sc chc chn s ko thuc v mnh). Khc nhau l hi phiu l do ngi bn pht hnh i tin ngi mua hoc nh nhp khu; cn sec l ch t sc pht hnh chi tr cho ngi bn, nh cung cp hoc rt tin mt! Sc Khi nim: Sc l mt t mnh lnh v iu kin ca ngi ch ti khon, ra lnh cho ngn hng trch t ti khon ca mnh tr cho ngi c tn trong sc, hoc tr theo lnh ca ngi y hoc tr cho ngi cm sc mt s tin nht nh, bng tin mt hay bng chuyn khon. Mt lnh tr tin mun c coi l sc th trc tin phi c tiu SEC ghi trn t lnh . V sc l lnh nn khi ngn hng nhn c sc phi chp hnh lnh ny v iu kin, tr trng hp ti khon pht hnh sc khng c tin hoc t sc khng tnh cht php l. S tin ghi trn sc phi r rng, phi va ghi bng s v va ghi bng ch khp ng nhau, c k hiu tin t. Trn sc phi ghi a im v ngy thng lp sc, tn a ch ca ngi yu cu trch ti khon, ti khon c trch tr, ngn hng tr tin, tn a ch ca ngi hng s tin trn sc, ch k ca ngi pht hnh sc. Nu l t chc th phi c ch k ca ch ti khon, k ton trng v du ca t chc . c im ca sc l c tnh cht thi hn, tc l t sc ch c gi tr tin t hoc thanh ton nu thi hn hiu lc ca n cha ht i vi sc thng mi. Thi hn hiu lc ca t sc c ghi r trn t sc. Thi hn d tu thuc vo phm vi khng gian m sc lu hnh v lut php cc nc quy nh. T sc mun c hiu lc phi c nhng ni dung sau y: 1. Tiu SEC. Nu khng c tiu , ngn hng s t chi thc hin lnh ca ngi pht hnh sc. 2. Ngy, thng, nm v a im pht hnh sc. 3. Ngn hng tr tin. 4. Ti khon ca ngi tr tin.

5. S tin. Ghi r rng, n gin s tin ca sc bng s v bng ch (phi thng nht vi nhau). Nu c s khng thng nht gia hai cch ghi th cn c vo s tin ghi bng ch. 6. Tn v a ch ngi tr tin. 7. Tn v ch k ca ngi hng li v ti khon (nu c). 8. Ch k ca ngi pht hnh sc. Theo K thut kinh doanh XNK (PGS.TS V Thanh Thu)

Hi phiu Khi nim (Theo Lut iu chnh v hi phiu - ULB 1930 th ) Hi phiu l t mnh lnh tr tin v iu kin do mt ngi k pht cho ngi khc, yu cu ngi ny ngay khi nhn thy hi phiu, hoc n mt ngy nht nh trong tng lai, phi tr mt s tin nht nh cho mt ngi no (c th l ngi pht hnh hi phiu hoc ngi th ba), hoc tr cho ngi s hu hi phiu ti thi im . Theo Lut thng nht v hi phiu (ULB), hi phiu c gi tr php l khi c cc ni dung sau: 1. Tiu hi phiu: phi ghi ch Hi phiu (Bill of Exchange). 2. a im k pht hi phiu. Trong trng hp hi phiu khng ghi a im k pht th a ch ghi bn cnh tn ngi k pht l a im thnh lp hi phiu. 3. a im tr tin. Nu trn hi phiu khng ghi a im tr tin th a ch ghi bn cnh ngi tr tin l a im tr tin ca hi phiu. 4. Trn hi phiu phi ghi r: Tr theo lnh ca ... (Pay to the order of...) 5. S tin v loi tin. S tin phi ghi r rng, n gin, ng tp qun quc t, c ghi c bng s v bng ch. Ch : nu s tin ghi bng s v bng ch khc nhau th cn c vo s tin ghi bng ch. 6. K hn tr tin ca hi phiu: + Tr tin ngay: hi phiu ghi: Tr ngay khi nhn thy bn th nht (hai) ca hi phiu ny ( At ... sight of first (second) Bill of Exchange). + Tr tin sau: - Tr sau mt s ngy k t ngy nhn hi phiu: Tr 30 ngy sau khi nhn thy (At .30.. days after sight)

- Tr sau mt s ngy k t ngy giao hng: Tr .30.. ngy sau khi k vn n (At..30.. days after Bill of Lading date) - Tr sau mt s ngy k t ngy k pht hi phiu: Tr sau 30 ngy k t ngy k pht hi phiu (At.30.days after Bill of Exchange date). 7. Ngi hng li hi phiu. Ghi y h tn v a ch ca ngi hng li. i vi hi phiu thng mi, ngi hng li l ngi xut khu v cng c th l mt ngi khc do ngi hng li ch nh. 8. Ngi tr tin hi phiu: Ghi y h tn v a ch ca ngi tr tin ca hi phiu vo gc di bn tri ca hi phiu. 9. Ngi k pht hi phiu. Ngi k pht hi phiu phi k tn gc di bn phi ca t hi phiu bng ch k thng dng trong giao dch. Cc ch k di dng in, photocopy v ng du... m khng phi vit tay u khng c gi tr php l. Vic k pht hi phiu khng loi tr s u quyn. Ngi c u quyn k pht hi phiu phi th hin s u quyn ngay bn cnh ch k ca mnh. Ngn ng ca hi phiu l ngn ng no th ngn ng th hin s u quyn phi l ngn ng y, iu quy nh ny to iu kin d dng cho ngi c lin quan n hi phiu thy c s u quyn v vic thnh lp hi phiu .

So sanh HP va Sec. - KN: + HP: la 1 menh lenh tra tien vo dieu kien do 1 ben ki phat va ra lenh cho 1 ben khac phai tra 1 so tien nhat dinh hoac theo lenh cua 1 nguoi nay tra cho 1 nguoi khac or tra cho nguoi cam giu HP va 1 thoi diem va tai 1 dia diem nhat dinh. + Sec: la 1 to menh lenh tra tien vo dieu kien do nguoi chu Tk ra lenh cho NH nam giu TK cua minh tra 1 so tien nhat dinh co ten tren sec or theo lenh cua nguoi nay tra cho nguoi khac, tra cho nguoi nam giu to sec cuoi cung. - Luat dieu chinh: + HP: ULB + Sec: ULC Luat quoc te k mang tinh chat bat buoc, cac ben co the bao luu nguon luat cua quoc gia minh. - Hinh thuc: Ca HP va Sec deu la chung tu van ban ro rang. - Noi dung chi tiet: Ca HP va Sec deu co nhung noi dung co ban khong the thay doi dc. Ca 2 ben deu phai co tieu de, deu phai ghi so tien 1 cach chinh xac, deu co so hieu tham chieu...

Tong quat:+ HP: do nguoi ki phat HP tu lap. Noi dung co the dc dieu chinh theo y. + Sc: NH giu TK quyet dinh dua ra noi dung co dinh. Nguoi co phat khong co quyen thay doi. - Nghiep vu lien quan:

So snh Hi phiu v Cheque: 1.Hi phiu l do ngi bn pht hnh i tin ngi mua hoc nh nhpkhu. Sc l ch t sc pht hnh chi trcho ngi bn, nh cung cp hoc rt tin mt. 2.V hnh thc, hi phiu c th hindi dng vn bn, do cc php nhnv th nhn t quyt nh. Hi phiu cth c lp thnh mt hay nhiu bn(thng l 2 bn), mi bn u nh s th t, cc bn u c gi tr nh nhau. V hnh thc, sc l mt vn bn giy,c ngn hng in sn theo mu, cchia lm 2 phn c ng ct bng rng ca gia tch ri, gm: phncung sc ngi pht hnh lu v phn tch ri trao cho ngi thhng. Ngi k pht sc l t chc, cnhn phi c ti khon ti ngn hng. c im ca sc l c tnh cht thihn, tc l t sc ch c gi tr tin thoc thanh ton nu thi hn hiu lcca n cha ht i vi sc thng mi.Thi hn hiu lc ca t sc c ghir trn t sc. Thi hn tu thucvo phm vi khng gian m sc luhnh v lut php cc nc quy nh. 3. K hn tr tin ca hi phiu phthuc vo quy nh ca tng loi hi phiu m khng ph thuc vo phm vikhng gian lu hnh. 4.Trong thanh ton quc t, tu theo phng thc thanh ton, m ngi trtin c th l nh nhp khu (phngthc nh thu) hay ngn hng (phngthc L/C). Vic thanh ton sc bt buc phi thchin lu thng sc qua ngn hng. Cth l lu thng qua mt ngn hnghoc l qua hai ngn hng
Hi phiu v sc cng l giy xc nhn bn k thc s chi tr cho bn nm gi 1 s tin nht nh ghi trong hi phiu / sc.Do ,nu bn nm gi sc ca cng ty B th bn c th n ngn hng,ngn hng s chuyn tin t ti khon cty B sang ti khon ca bn,hay nu cng ty b k vo 1 hi phiu th khi bn cm t hi phiu n cng ty B xin thanh ton th cng ty b c ngha v thanh ton cho bn. Hi phiu khc sc ch hi phiu l v danh,cn sc l nh danh.V danh ngha l khng c tn ngi th hng trn hi phiu,do bt c ai cm t hi phiu th ng c quyn i cty thanh ton cho mnh.nh danh l t sc c ghi r tn gn c th hng ,do ,ngn hng ch chp nhn thanh ton nu bn chng minh c mnh l ng c tn ghi trn t sc.Do s khc nhau ny m hi phiu

c th mua bn c cn sc th khng ( ai ngu g b tin ra mua 1 t sc khi bit gi tr ghi trn t sc chc chn s ko thuc v mnh)