PHNG THC THANH TON

TN DNG CHNG T
Nguyn Xun o, MIB
Ni dung chng
1. NH NGHA
2. CC BN THAM GIA
3. QUY TRNH THC HIN
4. TH TN DNG
5. B CHNG T THANH TON
6. TRCH NHIM, QUYN HN CA
CC BN THAM GIA
nh ngha tn dung chng t
Tn dung chng t la mot s thoa thuan, trong o theo yeu
cau cua khach hang, ngan hang (ngan hang m th tn
dung)se thay khach hang cua mnh tra tien cho ngi khac
(ngi hng li so tien cua th tn dung) hoac chap nhan
hoi phieu khi ngi hng li xuat trnh bo chng t thanh
toan phu hp vi nhng quy nh c cua th tn dung.
u im
c s dng rng ri trn ton th gii.

iu kin thanh ton linh hot m vn m bo
an ton.

C th s dng nh mt cng c h tr ti chnh
ngn hn.

Nh xut khu c m bo thanh ton.

Ngun lut iu chnh thng nht.
Cc bn tham gia
Ngi yu cu m th tn dng (Applicant for
the credit) l ngi mua, ngi nhp khu.
Ngi hng li (Beneficiary) l ngi xut
khu, ngi bn, hay bt c ngi no khc
m ngi hng li ch nh.
Ngn hng pht hnh (Issuing bank or
Opening bank) cn gi l ngn hng m th
tn dng, ng vai tr l ngn hng i din
cho nh nhp khu, s pht hnh th tn dng
theo yu cu ca nh NK.
Ngn hng thng bo (Advising bank) ngn
hng thng bo th tn dng c th l ngn
hng chi nhnh hoc ngn hng i l cho
ngn hng m th tn dng, ngn hng thng
bo l ngn hng ti nc ngi hng li.
Ngn hng xc nhn (Confirming bank) l ngn
hng xc nhn trch nhim ca mnh s cng
ngn hng m th tn dng m bo vic tr tin
cho ngi XK, trong trng hp ngn hng m
th tn dng khng c kh nng thanh ton.
Cc bn tham gia
Ngn hng c ch nh (Nominated bank) l
ngn hng c ch nh trong th tn dng,
cho php ngn hng thc hin vic thanh
ton, chit khu hoc chp nhn b chng t
ca ngi th hng ph hp vi quy nh ca
tn dng chng t.
Nominated paying bank
Nominated negotiating bank
Nominated accepting bank
Reimbursing bank
Cc bn tham gia
Quy trnh thc hin
phng thc tn dng chng t
Ngn hng pht
hnh
(Issuing bank)
Ngn hng thng
bo
(Advising bank)
Ngi yu cu
m th tn dng
(Applicant)
Ngi th hng
(Beneficiary)
(8) (2)
(3)
(4)
(5)
(6a) (7b)
(1)
(6b)
(7a)
Giai thch quy trnh
Ngi yu cu m tn dng th v ngi th
hng k kt hp ng thng mi.
iu khon thanh ton: theo phng thc thanh
ton tn dng chng t.
Bc 1:
Nh nhp khu ngh ngn hng phc v mnh
m tn dng th cho nh xut khu hng
Bc 2:
ng : Ngn hng pht hnh th tn dng
Khng ng :
Ngn hng t chi m th tn dng
Cn c ni dung n ngh m tn dng th,
ngn hng pht hnh:
Bc 3:
Kh nng kinh doanh, ti chnh
ca ngi m khng m bo.
Hp ng ngoi thng k kt vi
iu khon khng hp l.
Mt s trng hp
Khi nhn c th tn dng t ngn hng pht
hnh gi n, ngn hng thng bo kim tra tnh
xc thc th tn dng.
Bc 4:
ng thng bo:
Khng ng thng bo:
Thng bo cho ngi th hng.
T chi thng bo cho ngi th hng.
Ngi th hng sau khi nhn th tn dng, s
tin hnh kim tra ni dung th tn dng:
Chp nhn: Giao hng
Cha chp nhn:
ngh Ngi m th tn dng yu cu ngn
hng pht hnh tu chnh.
Bc 5:
Ngi th hng :
Bc 6a :
Yu cu :
Lp b chng t thanh toan theo quy nh ca th tn dng
va Gi n Ngn hng pht hnh, thng qua
Ngn hng thng bo
Theo yu cu ca ngi hng li, gi b
chng t n ngn hng pht hnh.
Bc 6b :
Yu cu: Thanh ton
Chp nhn thanh ton
Ngn hng thng bo :
Thanh ton
Chp nhn thanh ton
Ngn hng pht hnh kim tra b chng t thanh
ton.
Hp l:
Tin hnh thanh ton (hoc chp
nhn thanh ton)
Bt hp l: T chi thanh ton
Bc 7a :
Mt s bt hp l c bn
Giao hng tre.
Th tn dng ht hn hiu lc.
Sai n gi.

Ngn hng thng bo:
Nu hp l:
Thng bo vic thanh ton (hoc chp nhn
thanh ton) cho ngi th hng.
Nu bt hp l:
Thng bo vic t chi thanh ton.
Bc 7b :
Ngn hng pht hnh giao b chng t thanh
ton cho ngi yu cu m tn dng th v yu
cu thanh ton bi hon.
Bc 8 :
Thanh ton bi hon.
T chi thanh ton bi hon.
Ngi yu cu m th tn dng dng b
chng t nhn hng.
Nu hp l:
Nu bt hp l:
NHNG NI DUNG CH YU CA
TH TN DNG
Message Header
MT 700 Issue of a Documentary Credit
Sender: EACBVNVXXXX
Receiver: BOTKJPJTXXX
Message Text
27: Sequence of Total: 1/1
40A: Form of Documentary Credit: Irrevocable
20: Documentary Credit number: LA04N400KK
31C: Date of Issue: 040108
31D: Date and Place of Expiry:
040308 at Nego Bank in Tokyo, Japan
50: Applicant: ABC Company
59: Beneficiary: ANZ Company
Message Text (Tip theo)
32B: CURRENCY CODE, AMOUNT:
USD585,000.00
39A: PERCENTAGE CREDIT AMT
TOLERANCE 10/10
41: AVAILABLE WITH.BY: ANY BANK
BY NEGOTIATION
42C: DRAFT AT: SIGHT FOR 100PCT OF
INVOICE VALUE
42: DRAWEE: EACBVNVXXXX
Message Text (Tip theo)
43P: PARTIAL SHIPMENTS: ALLOWED
43T: TRANSHIPMENT: NOT ALLOWED
44A: ON BOARD/ DISP/TAKING CHARGE AT:
ANY JAPANESE PORT
44B: FOR TRANSPORTATION TO:
HOCHIMINH CITY PORT, VIETNAM
44C: LATEST DATE OF SHIPMENT:
040216
Message Text (Tip theo)
45A: DESCRIPTN OF GOODS &/OR SERVICES
+ COMMODITY: HOT ROLLED STEEL SHEET
IN COIL
1.20MM X 1199MM X COIL
500MTS AT USD400.00/MT
1.35MM X 1199MM X COIL
1000MTS AT USD385.00/MT
+ TOTAL QUANTITY: 1,500.00 MTS
+ TOTAL AMOUNT: USD585,000.00
Message Text (Tip theo)
+ ORIGIN: JAPAN
+ PACKING: MILL EXPORT STANDARD WITH
BARE IN BUNDLE
+ MARKING: ABC/1UR-0185/HCMC PORT
+ PRICE TERM: CFR FO HOCHIMINH CITY
PORT, VIETNAM
Message Text (Tip theo)
46A: DOCUMENTS REQUIRED:
IN TRIPLICATE (UNLESS OTHERWISE STATED)
1. SIGNED COMMERCIAL INVOICE IN DUPLICATE
2. FULL SET (3/3) OF ORIGINAL CLEAN SHIPPED
ON BOARD OCEAN BILL OF LADING SHOWING
L/C NO.,MADE OUT TO ORDER OF EAB MARKED
FREIGHT PREPAID AND NOTIFY THE
APPLICANT
3. CERTIFICATE OF ORIGIN ISSUED BY THE TOKYO
CHAMBER OF COMMERCE AND INDUSTRY
Message Text (Tip theo)
46A: DOCUMENTS REQUIRED:
IN TRIPLICATE (UNCLESS OTHERWISE STATED)
4. DETAILED PACKING LIST
5. INSPECTION CERTIFICATE ISSUED BY MILL
Message Text (Tip theo)
47A: ADDITIONAL CONDITIONS:
+ ALL DOCUMENT MUST BE SHOWN IN
ENGLISH
+ MORE OR LESS 10PCT ON QUANTITY AND
AMOUNT OF EACH SIZE ACCEPTABLE
71B: CHARGES: ALL BANKING CHARGES
OUTSIDE VIETNAM INCLUDING ADVISING,
NEGOTIATING, REIMBURSING
COMMISSION ARE AT THE BENS
ACCOUNT
Message Text (Tip theo)
48: PERIOD FOR PRESENTATION:
DOCS MUST BE PRESENTED FOR
NEGO WITHIN 21 DAYS AFTER DATE
OF SHIPMENT BUT WITHIN THE
VALIDITY OF THE CREDIT
49: CONFIRMATION INSTRUCTIONS:
WITHOUT
Message Text (Tip theo)
78: INSTR TO PAYG/ACCEPTG/NEGTG BANK
+ A DISCREPANCY FEE OF USD 30.00
OR EQUIVALENT WILL BE DEDUCTED FROM
THE PROCEEDS OF ANY DRAWING IF DOCS
PRESENTED WITH DISCREPANCIES.
+ DOCS INCLUDING DRAFT(S) TO BE
DESPATCHED TO US (130, PHAN DANG LUU
ST.,PHU NHUAN DIST.,HOCHIMINH CITY,
VIETNAM) IN 01 LOTS BY TNT/DHL
72: SENDER TO RECEIVER INFORMATION