i Hc i Nam Khoa Ti chnh Ngn hng

Sec Thc trng s dng Sec

B Mn NGN HNG THNG MI

Designer : Mr Bio

NHM 2
Phm Vn Qun Lng Ngc Sn Lu Minh Hi L Ch Cng L Quang Hng

 ti : Sec v cc loi Sec Tnh hnh s dng Sec

1 2 3 4 Sec v cc loi Sec Tnh hnh s dng Sec trn th gii

Thc trng s dng Sec ti Vit Nam

Nguyn nhn v gii php

Sec v cc loi Sec

Th k 18

1913

1931

2011

Sec v cc loi Sec

Sc l mt t mnh lnh v iu kin ca ngi ch ti khon(ngi k pht), 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.

Sec v cc loi Sec

Tnh bt buc phi tr tin

Tnh lu thng

Tnh thi hn

c im ca Sec

Tnh tru tng

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Sec v cc loi Sec

Cc loi Sec Sec ch danh Sec v danh

Sec theo lnh

Sec gch cho Sec xc nhn Sec du lch

Tnh hnh s dng Sec trn th gii

Tnh hnh s dng Sec trn th gii

Thanh ton bng sc B o Nha chim ti 81% trong tng lng giao dch, Ireland l 70%, Php l 56%, Anh l 51%; bnh qun s dng sc tnh theo u ngi hng nm Php l 80 mn, H Lan l 56 mn .
C xu hng gim dn khi khch hng chuyn qua s dng th , giy ghi n

Tnh hnh s dng Sec ti Vit Nam

Thc trng s dng Sec Vit Nam Sc vn cha pht trin c nh mong i Vit Nam

cc NHTM hnh thc thanh ton bng sc chim t l rt thp (khong 2%) trong tng thanh ton phi tin mt. Trong ch yu l thanh ton gia cc doanh nghip vi nhau, cn thanh ton gia doanh nghip vi c nhn, gia c nhn vi nhau l rt t.

Thc trng s dng Sec Vit Nam Sc vn cha pht trin c nh mong i Vit Nam
S lng cc NHTM tham c dch v thanh ton bng sc rt t, tp trung 1 s NH ln nh VCB, ACB, BIDV.. Dch v thanh ton sc cng khng a dng, rt t NH trong nc cung ng sc trng cho KH m ch thc hin nh thu sc

VCB l NH mnh nht trong mng thanh ton sc Vit Nam

1.Dch v sc trong nc 1.1. Cung ng sc trong nc 1.2. Thanh ton sc trong nc 1.3. Nh thu sc trong nc
2.Dch v sc quc t 2.1. thanh ton sc nc ngoi 2.2. Nh thu sc nc ngoi 2.3. Bn sc du lch 2.4. Thanh ton sc du lch

Ch p dng vi khch hng l doanh nghip

NGUYN NHN

Nguyn nhn

Cha thnh lp cc trung tm b tr Sec

Hnh lang php l trong lnh vc thanh ton cha hon thin

NHTM Cha c nhiu kinh nghim trong TTQT trong c Sec

Tm l khch hng

NGUYN NHN
H thng vn bn php lut cha ng b,hon chnh,thiu cc quy nh c th v r rng

Hin nay trong h thng VBPL th ch c ngh nh159/2003 ca CP c quy nh ring trong thanh ton sc, trong ngh nh ny cha c cc quy nh y v cc nghip v nh thu sc bo chi bo lnh sc

NGUYN NHN
Cc NHTM VN cha c nhiu kinh nghim v cha ch trng n mng TTQT trong c sc

Doanh thu ca cc NHTM ch yu da vo nghip v huy ng v cho vay vn, cc dch v thanh ton cha pht trin c bit l thanh ton quc t

NGUYN NHN
Vic thanh ton b tr qua trung tm thanh ton b tr cn hn ch
Khi khch mua v khch bn khng c ti khon cng mt ngn hng, buc cc ngn hng thng mi phi thng qua h thng thanh ton b tr ca Ngn hng Nh nc. Mi ngy y ch c 2 phin thanh ton b tr (vo lc 10 gi sng v 15 gi) v vic kim tra sc Ngn hng Nh nc vn ch yu l th cng.

TK NHA

TK NHB

TK NHC

NGUYN NHN

Tm l khch hng
Tm l ca ngi bn nhn sc thng lo ngi trn ti khon ca ngi mua khng cn tin, sc gi, d dn n Sc gi??

ri ro trong giao dch nn hay

t chi vic thanh ton sc

Gii php

Gii php
1 C quy nh v hn mc phi thanh ton bng sc 2 T ng ha quy trnh kim tra sc nhanh chng v thun tin nht 3 Hon thin n xy dng trung tm b tr sc ti mt s thnh ph ln nh H Ni, TP. H Ch Minh.

Gii php
4
Khuyn khch bng cch qung co cng nh a ra cc chng trnh gii thiu vi dn chng cc u im thun tin
ca hnh thc ny.

5
Cc c quan nh nc, cc n v hnh chnh s nghip nn tin phong trong vic thanh ton bng sc, gp phn a hnh thc ny ph bin rng ri.

Hon thin h thng bn l trn ton quc