thi nghip v Tn dng ca BIDV

1/ Anh (Ch) hy trnh by cc phng thc cho vay ca T chc tn dng i vi khch hng. 2/ Anh (Ch) hy nu khi nim hp ng bo lnh; Cc hnh thc v ni dung bo lnh ca Ngn hng. 3/ Theo quy nh ca Lut cc T chc tn dng, nhng ni dung no t chc tn dng phi thc hin khi cp tn dng i vi khch hng. 4/ Mt doanh nghip lp k hoch kinh doanh 2009 v ngh BIDV cp hn mc tn dng ngn hn nh sau: Gi tr sn lng 178 t ng Doanh thu 160 t ng Vng quay vn lu ng nm 2009 bng 2008 Vn t c v coi nh t c l 5% doanh thu Khu hao c bn 5% doanh thu Thu cc loi 3% doanh thu Chi ph qun tr iu hnh 2% doanh thu Li nhun 2% doanh thu Doanh nghip c ngn hng ng trc tin thanh ton bnh qun l 10t ng v phi tr nh cung cp nguyn vt liu c duy tr n nh l khong 6t ng. Ngoi ra doanh nghip ang c ngn hng cng thng cp hn mc tn dng nm 2009 l 10t ng. Hy tnh ton hn mc tn dng ngn hn BIDV s cp cho doanh nghip nm 2009, bit rng tnh hnh sn xut kinh doanh ca doanh nghip nm 2008 nh sau: Sn lng thc hin 162t ng Doanh thu thun 150t ng Thu cc loi 4,2t ng Li nhun 3t ng Ti sn lu ng bnh qun 2008 50t ng Bi 1: Ngy 02/03/10, Cty A gi n NHTM X k hoch vay vn, sau khi T, NH nht tr vi cty v ch tiu k hoch qu II/10, trong nu r: - Vng quay VL k hoch l 3.2 vng - TSL BQ l 3.6 t VN Cui thng 3/10, NH v cty k HTD VL qu II/2010, trong nu r: - Thi hn tr n k hoch l 30 ngy - Doanh s tr n k hoch ng bng 80% DTT qu II/2010 T 1/4/10 n 24/4/10 trn TKCV theo HMTD din ra: - Doanh s pht sinh n:18.5 t VN - Doanh s pht sinh c: 17.2 t VN Trong 5 ngy cui qu pht sinh: - 26/6/10: Vay mua NVL 3 t VN

- 27/06/10: Np tin thu bn hng 2.8 t VN - 28/6/10: Vay chi lng cn b 1.2 t VN - 29/06/10: Vay tr n gc Vietinbank 1 t VN - 30/06/10 Np tin thu bn hng 1 t VN Yu cu:

Xc nh HMTD qu II Gii quyt cc nghip v kinh t pht sinh trong 5 ngy cui thng6/2010 v gii thich

Bit: - Cty c NH cho vay VL theo phng thc cho vay theo HMTD - D n trn TK cho vay theo HMTD ti ngy 31/03/2010 l 1 t VN - Cty hot ng kinh doanh tt, c tn nhim vi NH - Kh nng vn ca NH p ng nhu cu vn hp l ca Cty Bi 2: Cty A d nh mua dy chuyn sn xut, c 2 phng n la chn: - PA1: tr ngay vo u nm th nht: 2100 triu VN - PA2: tr vo u nm th 1: 1050tr, u nm th 2: 620 triu VN, u nm th 3: 550 triu VN Bit: - CP NVL v nhn cng hng nm: 300 triu VN - D kin DT hng nm: 860 triu VN Sau khi mua v dy chuyn c a vo vn hnh ngay. DN trch KH theo PP ng thang. Sau thi gian hp ng dy chuyn c khu hao ht. Thu TNDN l 25%. Thi gian hot ng ca daay chuyn l 6 nm (dy chuyn s c khu hao ht gi tr), sau 6 nm dy chuyn bn i vi gi 500 triu VN T sut chit khu %/nm Yu cu:

Theo Anh/ch DN nn la chn PA no ? Tnh NPV ca PA la chn

nghip v thanh ton quc t ngy 2/10/2010 BIDV HCM

Phn I 1/ Ngha ca cc t UCP, ISBP, URR,URC, URD, ASEM, OFAC, ODA, LIBOR (tr li ting Anh) 2/ Chn 1 trong cc t sau v nu nhng hiu bit v n: UCP,ISBP, URC( tr li ting Vit) Phn II/ Trc nghim (ting Anh) (20 cu), theo kin ca mnh th c khong trn di 5 cu phi c kinh nghim thc t mi bit c. Phn III/ Tm li sai trong 1 tnh hung L/C (Lu cu ny l ting Anh nh)

i khi l nh th ny, gi nh l Hm nay l ngy 9/6/2010, chng t c xut trnh hm nay, chng t c xut trnh s b v s bn, xc nh c tnh chn tht ca chng t Cc qui nh trong L/C nh sau: Ngy ht hn hiu lc l 31/5 Khng cho php chuyn ti n bo him xut trnh (Certificate policy) bo him tt c ri ro (all risks) Thc t cc chng t xut trnh nh sau: Pro-foma invoice Vn ti n theo s L/C trn, pht hnh ngy 14/5, nhng li c thm ghi ch l clean onboard date 16/5, thi hn xut trnh l 14 ngy sau ngy giao hng. Vn n th hin c chuyn ti qua 1 cng khc. Certificate of Insurance pht hnh ngy 15/5 bo him mi ri ro ngoi tr ri ro v bao b v ng gi. Ri kiu tm Discrepancies. (Mnh khng nh chnh xc nh cn bn l nh vy ^^) Phn IV/ (cu ny ting Vit tr ci hi phiu) 1/ Vn n ng bin l g? Nhng c im ca vn n ng bin? Nu nhng khc bit gia vn n ng bin v vn n hng khng? Cng ty nhp khu yu cu ngn hng bn m L/C trong qui nh chng t xut trnh l 2/3 b vn n cho Ngn hng bn, 1/3 b vn n cn li l gi qua bu in cho cty nhp khu. m bo li ch ca Ngn hng v ngi nhp khu, bn phi t vn cho ngi nhp khu nn in thng tin g vo mc consignee ca vn n? 2/ a/ Mt cng ty xut khu thy sn ca VN mi tm c i tc lm n bn Hongkong v d tnh s k 1 hp ng ngoi thng tr gi 500.000USD. Trong vai tr ngn hng phc v ngi xut khu, bn s t vn cho khch hng chn phng thc thanh ton no c li nht cho h, lu l bn nhp khu khng ng iu kin tr tin ngay. b/ Trn c s , bn s hng dn ngi nhp khu in thng tin g vo mu hi phiu sau, bit rng ngn hng phc v ngi NK l HSBC HongKong, ngn hng bn ngi XK l BIDV chi nhnh HCM, v ngi XK ng phng thc tr ngay. At(1).of the first B/E (the second..) to order of(2).. the sum of.(3) . Drawn under .(4) To(5) On behalf of..(6).