Trn Th Tm, Khng Th Tuyn 1 Tng hp HI-P v NH THU (Th 6, ngy 21/10/2011)

I.

Mt s thut ng trong phng thc NH THU (Collection of payment) v TN DNG CHNG T(Documentary credit) 1. Tn gi cc ch th
Trong Nh thu Ting Anh Principal Drawee Remitting Bank Collecting Bank Ting Vit Ngi y thc thu Ngi tr tin NH nh thu NH thu h Trong L/C Ting Anh Beneficiary Ting Vit Ngi th hng Applicant Ngi yu cu m L/C Advising NH thng Bank bo Issuing Bank NH pht hnh

Trong Ngoi thng Ting Anh Exporter Importer Exporters Bank Importers Bank Ting Vit Ngi XK Ngi NK NH phc v nh XK NH phc v nh NK

Ngoi ra cn mt s tn gi khc nhau c s dng trong phng thc Nh thu v L/C. Chi tit xem mc 6.2, chng 5 tng quan v thanh ton quc t trang 278, 279, sch Gio trnh thanh ton quc t v ti tr NT_GS.TS Nguyn Vn Tin. NXB Thng K.

2. Cc iu kin trao chng t (iu kin thanh ton) Hnh thc thanh ton Thanh ton ngay Chp nhn hi phiu (tr tin 1 ln khi n hn) Cam kt tr chm (thanh ton dn dn) Trong Nh thu D/P= Documents against Payment D/A=Documents against Acceptance D/D=DeferreD payment Hoc: -Letters of undertaking to pay -Debt schedule -Installment payments Bank undertakings ( AVAL) Trong L/C Sight payment Draft acceptance

D/D=DeferreD payment

c NH bo lnh thanh ton 3. Phn loi

Bank confirmation

Nh thu Clean Collection (Nh thu phiu trn) Documentary Collection(Nh thu km Ct) - Ch km CT thng mi - CT thng mi v CT ti chnh

L/C Purchase of draft - Purchase of Documents - Purchase of Draft and documents

Trn Th Tm, Khng Th Tuyn 2 Tng hp HI-P v NH THU (Th 6, ngy 21/10/2011)

II.
STT

Tng hp hi_p v NH THU (ngy 21/10/2011)

Ngun dn Hi p

T.286(SGT) PT ghi s

Gii thch cu ch m TK n bin, khng m TK song bin. Nu ngi NK m TK ghi th TK ny ch l TK theo di, ko c hiu lc quyt ton

- Thc cht, ghi s l phng thc thanh ton n cn kht li. Vic m TK n bin hay song bin ty thuc vo tha thun gia 2 bn. Quan trong nht vn l cn c nhn n. - Trn thc t vic m TK song bin rt phc tp nn thng ch p dng hnh thc m TK n bin.

T.303(SGT) T.317(SGT) MQH gia ngi y thc/NHNT

-Nu NHNT c hnh ng khc vi cc ch th do ngi y thc a ra, phi chu trch nhim bi thng cho ngi y thc, nu c. -Cc NH khng chu trch nhim v bt k s chm tr hay tht lc chng t no Hi: 2 cu trn c mu thun? Nu s chm tr hay tht lc CT l do NHNT c hnh ng khc vi ch th th NHTN c phi bi thng?

Ni dung 2 cu trch dn khng mu thun. C th: - Nu NHNT lm ng cc ch th th bt k hu qu no trong nh thu l khch quan v bt kh khng th NH lun c min trch. - Nu NHNT c hnh ng khc vi ch th ca ngi y thc (nguyn nhn ch quan) th NHNT phi chu trch nhim bi thng

T.396(SH) URC 522 5, khon c: (Hnh thc xut trnh)

Tr khi c quy nh khc, CT phi c xut trnh cho ngi tr tin theo ng thc trng nh khi nhn c, ngoi tr NH c quyn dn thm tem cn thit vi CP thuc v bn gi CT n Hi: CP nu trn l nhng CP no? Vic dn thm tem c th c thc hin nh th no?

-Vic dn tem c thc hin tng t nh hnh thc ng du bu in vi chi tit ngy thng gi hng. -CP pht sinh gm ton b CP lin quan n hnh vi dn tem.

Trn Th Tm, Khng Th Tuyn 3 Tng hp HI-P v NH THU (Th 6, ngy 21/10/2011)

T 302-304 (SGT) MQH gia cc bn trong Nh thu

-Trong phng thc Nh thu, ngi y thc c phi ch nh NHTH ko? - trng hp c NHXT, th NHXT do ngi y thc hay NHTH ch nh

-Mi thng tin trong lnh nh thu u xut pht t n nh thu da trn tha thun gia ngi XK v NK (th hin trong hp ng ngoi thng). Tr khi c mc trng, NH mi c th in b sung -V nguyn tc, ngi y thc c quyn ch nh cc ngn hng tham gia vo nh thu. Nh vy mi ch th u xut pht t ngi y thc.

T.317(SGT) Ri ro v mqh gia cc bn

Nu NHTH sai st trong vic thc hin lnh nh thu, th hu qu pht sinh do nh XK chu, thm ch ngay c trong trng hp nh XK khng lin quan n vic ch nh NHTH Hi: Sai st trn c c hiu l lm khng ng ch th ca ngi y thc khng? Ti sao ngi y thc phi chu hu qu do sai st trn?

-Trong n nh thu, ngi y thc c ngha v phi ch nh NHTH, nu khng th NHNT s ch nh, khng cn hi kin ngi y thc v khng chu trch nhim v sai st ca NHTH. -NHNT s ch ng vai tr i din cho ngi y thc trong vic i bi thng t pha NHTH khi NHTH c sai st trong thc hin nh thu. Do trong trng hp ny, mi hu qu s do nh XK chu ngay c khi NHTH do NHNT ch nh. C Khi c bn th ba ng ra bo lnh cho nh NK , ngi bo lnh c ghi r trong lnh nh thu, do nh NK vn c nhn chng t i ly hng Trng hp bo lnh 1 phn, th s tin cn li nh NK phi TT xong, sau mi c nhn b chng t Bn bo lnh: l nhng ngi c uy tn, trong TTQT thng l ngn hng.

MQH gia nh bo lnh v nh NK

Trong phng thc nh thu: nh NK phi thanh ton hoc chp nhn TT th mi nhn c b chng t Hi: khi c bn th ba ng ra bo lnh 1 phn hoc ton b cho nh NK th nh NK c c nhn b chng t khng?

Trn Th Tm, Khng Th Tuyn 4 Tng hp HI-P v NH THU (Th 6, ngy 21/10/2011)

T 391(SHD) K.c, .1, URC522 MQH nh XK vi NHTH

Nu 1 NH quyt nh(v bt k l do g) khng x l NT hoc bt k ch th no c lin quan m n nhn c th phi thng bo khng chm tr cho bn m t nhn c nh thu hoc cc ch th gi n bng vin thng, hoc nu khng th phi bng cc phng tin nhanh chng khc. Hi: khi NXKkhng thy phn hi g t NHTH trong khi chng t v hng ha n ni, nh XK i NHTH tr li chng t, th NHTH c tr li khng? Hi: nh NK t chi nhn hng v khng TT cho NHTH, NXK lm g gim thit hi cho mnh Nu chng t NT c ngi y thc gi trc tip khng qua NHNT (chng t khng iu chnh bi URC 522), NHTH xem xt thc hin hoc t chi thu h Hi: c NHNT khng, vic TT gia NXK v NNK qua NH no? V nu c NHNT th lm nhim v g

C Ty thuc vo yu cu ca nh XK Tuy nhin, trong nh thu: NXK giao hng, giao b chng t=> nhn tin NNK tr tin, nhn b chng t=> nhn hng NXK mun lm n c li c th tm i tc hoc bn hng khc nhm mc ch bn c hng.

La chn phng thc TT

Tr 328 (SGT) MQH gia cc bn

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MQH nh Hi: ngi i din nh XK XK v ngi case of need c th tham gia i din vo qui trnh nh thu ntn?

PT nh thu ch p dng: 1. Khch hng truyn thng 2. Khch hng uy tn, nng lc ti chnh tt gim ri ro th NNK nn la chn PTTT l L/C. Vic c NHNT hay khng s ph thuc vo s ch nh ca ngi y thc, tuy nhin, nhn c tin th ngi y thc phi c ti khon ca mnh ti NH, chnh l NHNT (tr trng hp ngi y thc c ti khon lun ti NHTH), do NHNT s lm nhim v ging nh cc trng hp bnh thng khc v vic TT vn qua NHNT v NHTH. Nh XK c quyn in mi thng tin trong lnh nh thu, tc l c quyn ch nh NHTH, NHXT. V trong trng hp ch nh nh th th nh XK phi c trch nhim v vic ch nh ca mnh (tc ri ro l do NXK chu)

Trn Th Tm, Khng Th Tuyn 5 Tng hp HI-P v NH THU (Th 6, ngy 21/10/2011)

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Thi gian thng bo NHTH v NHNT

Hi: lnh NT qui nh li sut phi c thu v khng c min, nhng nh NK t chi TT, th thi gian thng bo NHTH v NHNT? Hi: ti sao NHTH phi hnh ng ng theo cc ch th ca ngi y thc bt k MQH ca mnh vi ngi tr tin l ntn?

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MQH cc bn

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Ph trong nh thu

Ph bn no bn y chu m NNK khng tr th NHTH vn trao chng t v thu ph bng cch khu tr vo tin nh thu Hi: thit thi cho nh XK khng nu tin nh thu b khu tr, lm cch no i c ph ca NNK?

Thng trong thi gian 2 ngy lm vic, v NHTH v NHNT trong phng thc nh thu ch l trung gian thanh ton, do d NNK t chi TT th NH vn c hng ph, v thng bo ngay cho cc bn. NHTH lun ly ch tn ln hng u, hn na h ch l trung gian thanh ton v hng ph, do h lun thc hin ng cc ch th ca ngi y thc v theo qui tc URC Nu NHTH t mi quan h ca mnh ln trn cc qui tc, th h s phi chu mi thit hi v ri ro c th xy ra Dn chng: v a chng t ca mt cn b thanh ton ca NH ngoi thng VN vi nh nhp khu. NXK khng b thit v s tin nh XK nhn c c ghi r trong lnh cng nh trong hp ng hng ha i c ph t NNK: ph bn no bn y chu v khng c min, cn tt c cc trng hp khc th NNK c quyn t chi.

Trn y l tng hp ni dung bui hc th 6, ngy 21/10/2011. Nhm thc hin rt mong nhn c kin ng gp t pha thy v cc bn bi c hon thin hn. Nhm xin chn thnh cm n! Nhm thc hin Trn Th Tm_NHEK11 Khng Th Tuyn_NHBK11