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Vai tr ca hot ng xut khu NHTM vi hot ng xut khu Ni dung ca hot ng ti tr ngoi thng
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Vai tr ca hot ng XK i vi nn KT
1 2 Gp phn chuyn dch c cu kinh t 3 M rng v thc ycc quan h KTN
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KHI NIM Ngn hng thng mi l t chc kinh doanh tin t m hat ng ch yu v thng xuyn l nhn tin k gi t khch hng vi trch nhim hon tr v s dng s tin cho vay, thc hin nghip v chit khu v lm phng tin thanh ton.
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Forfaiting
Tm ng cho nh XK
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L phng thc trong Nh xut khu u thc cc chng t v hng ha, vn n, bo him, v cc chng t khc cho Ngn hng ca mnh.Ngn hng ny s chuyn tip chng t n Ngn hng cn giao dch vi ch th giao chng t khi thanh ton, hoc chp nhn thanh ton.
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- Nh thu tr ngay D/P (Documents against payment): Bn nhp khu phi thanh ton ngay khi nhn chng t
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Mt s li th
i vi Nh xut khu: Cc chng t cng l ch quyn i vi hng ha, vn nm trong s kim sot ca ngn hng n khi c chp nhn hay thanh ton c thc hin. i vi 2 ngn hng: Tham gia vi vai tr l trung gian ti chnh, thu c cc khon ph, m rng tn dng ngoi thng v quan h vi cc ngn hng khc.
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Hi phiu l chng ch c gi do ngi bn chu lp, yu cu ngi mua chu tr mt s tin xc nh vo mt thi gian v mt a im nht nh cho ngi th hng Nh xut khu c th nhn trc tin bng cch mang chng n ngn hng phc v mnh xin chit khu
Vi nghip v chit khu hi phiu, nh xut khu khng ch c hng mt mt li sut chit khu thun li m cn ci thin c bng cn i ca mnh.
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KHI NIM L hnh thc tn dng ca Ngn hng cho nh xut khu trn c s chit khu b chng t trc khi n hn thanh ton.
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Phn loi
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Chit khu truy i: L vic ngn hng sau khi chit khu b chng t, s truy i nh xut khu nu n hn thanh ton bn nhp khu t chi thanh ton
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Chit khu min truy i: L vic Ngn hng mua t b chng t, do Ngn hng s chu ton b ri ro nu bn nhp khu khng thanh ton khi n hn.
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L hnh thc ti tr ngn hn. S dng ch yu i vi cc nh xut khu khng c kh nng thanh ton.
Nh XK pht sinh nhu cu ti tr khc phc tnh hnh bt cp v ti chnh cho n khi thu c li nhun t XK. Mc tm ng ph thuc vo kh nng ca nh XK, s bo m v nhy cm v gi ca hng ha
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i vi nh xut khu Khi khng kh nng thanh ton th c th ngh ngn hng tm ng - Chng minh kh nng tr n ca mnh, thc hin cc th tc cn thit c tm ng - Li ch: Khc phc c tnh hnh bt cp v ti chnh cho n khi thu c li nhun t vic XK, m bo cuc giao thng c din ra thun li, gi c nhng hp ng v khch hng quan trng i vi DN
i vi ngn hng
- Sau khi k kt hp ng cho tn dng XK, cn c vo kh nng tr n ca DN m Ngn hng s ra quyt nh tm ng - a ra quyt nh tm ng - Li ch: Nhn c ph t hot ng tm ng sau khi DN nhn c li nhun t vic xut khu ( ngun thu ngoi t)
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KHI NIM Factoring l chuyn n ca ngi mua hng (con n) t ngi bn hay cung ng dch v (ch n c) sang cng ty mua n (ch n mi). Cng ty mua n m bo vic thu n, trnh cc ri ro v khng tr n hoc khng c kh nng tr n ca ngi mua.
=> T hnh thnh mt quan h ti chnh lin quan ti ba bn gm cng ty mua n (ngn hng, t chc ti chnh), ngi bn hng ho hay cung ng dch v v ngi mua hng ho hay nhn dch v.
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Cc nghip v ca factoring
Mua li cc khon n tin hng v thc hin thanh ton ngay cho nh xut khu
Cung cp dch v( hch ton s sch, k ton n, nghip v y nhim thu thng k bn hng, cc bn sao k ti khon nh k, v thu n khi n hn) Ti tr tiu th, m bo y cho cc khon bn hng c chp nhn
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Nh xut khu
HpQuy trinh nghip vng xut khu factoring 6Nh nhp khu
2 6
Bn cc y nhim khon Thanh ton 5 Chuyn thu thanh ton 80%+20% nhng cn ph i
4 7
Thanh 3 ton
Export Factor
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Factoring-nh gi
u im
I VI DOANH NGHIP: -Bo him ri ro cho cc doanh nghip -Gip tit kim cho doanh nghip. -Ci thin c kh nng tn dng i vi ngn hng. -Ci thin bng cn i k ton. -Khng cn phi k hp ng bo him tn dng xut khu. I VI NGN HNG: - a dng ho hot ng ca ngn hng. - Nghip v fact ring khc phc c nhng nh hng ca tn dng thng mi.
Nhc im
Dch v Factoring ch ph hp vi cc doanh nghip chim lnh c th trng rng v tha mn c iu kin sau. Quy nh v doanh thu xut khu hng nm. Doanh thu tnh i vi tng nc. Ch cung ng cho cc nh tiu th, ch bin cc nc cng nghip. Thi hn thanh ton khng qu 120 ngy. C cu khch hng thay i mc c th chp nhn c.
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L dch v ti tr xut khu thng qua chit khu cc khon phi thu xut khu bng hi phiu, k phiu v cc cng c chuyn nhng khc vi iu kin min truy i ngi bn, theo mc li sut c nh n 100% tr gi hp ng. tn dng forfaiting l tn dng trung v di hn, c bit min truy i.
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NH ti tr (Forfaiteurs)
Ngn hng bo m
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Forfaiting-c im
Chuyn cc khon thu xut khu tr chm thnh tr ngay, ci thin kh nng thanh khon, ngn qu cho nh xut khu. Gip nh xut khu trnh c ri ro lien quan n khon phi thu. Nh xut khu c ti tr n 100% gi tr xut khu. Khon ti tr forfaiting khng l khon n trn bng cn i ti chnh ca nh xut khu. Gim thiu c ri ro li sut v t gi do c thanh ton ngay v p dng li sut c nh. Nh xut khu thot khi cng vic qun l tn dng Thu hi ngay c vn v m rng tn dng trung di hn tng th phn. Gim c chi ph bo him tn dng xut khu.
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