Chuyn Tt Nghip

LI CM N
Qua qu trnh hc tp ti Trng i Hc Cng Nghip Thnh Ph H
Ch Minh, c s qua tm, dy d tn tnh ca cc thy c trong khoa kinh
t gip cho em c c nhng kin thc c bn v chuyn ngnh qun tr
kinh doanh lm nn tng cho em bc vo thc tin c tt hn, v
trong sut qu trnh thc tp ti NHNo&PTNT chi nhnh Qung Ngi, c
s gip v ch bo tn tnh ca cc anh, ch phng Dch v v Marketing,
ca ban lnh o ngn hng gip em nm bt c thc tin ca cng tc
nghip v th v vn dng tt kin thc hc vo trong thc tin.
c th hon thnh tt c chuyn tt nghip ca mnh, trc ht
em xin chn thnh cm n cc thy c gio trong khoa kinh t v c gio
hng dn Nguyn Th Hnh Hin, cng ton th cc anh ch phng Dch v
& Marketing v ban lnh o ngn hng quan tm ch o, gip v
cung cp cho em nhng s liu qu gi cng nh nhng kin thc cn thit
em hon thnh chuyn ny.
V thi gian thc tp ti ngn hng c hn v trnh nng lc c nhiu
hn ch nn trong qu trnh vn dng kin thc hc vo trong thc tin
khng trnh khi nhng sai lm v thit st. Em knh mong c c s
gip gp nhit tnh t ban lnh o ca NHNo&PTNT chi nhnh Qng
Ngi v cc anh, ch phng Dch v v Marketing cng nh nhng nhn xt
nh gi v ch dn ca qu thy c gio em hon thin hn nhng kin
thc c hc nh trng.
Em xin chn thnh cm n !
Qung Ngi, ngy 06 thng 04 nm 2012
Sinh vin thc tp
Nguyn Hng Khi
NHN XT KT QU THC TP

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
H tn sinh vin thc tp:.............................................................................................
Ngy thng nm sinh:...................................................................................................
Cn b hng dn thc tp:..........................................................................................
B phn:........................................................................................................................
Sau thi gian sinh vin...........................................thc tp ti n v, chng ti c
nhng nhn xt nh sau:
1. V thc chp hnh ni quy, quy nh ca c quan: (3 im)

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2. V o c, tc phong: (1 im)
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3. V nng lc chuyn mn: (6 im)
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Qung Ngi, ngy
Xc nhn ca n v

thng nm 2012

Cn b hng dn

NHN XT CA GIO VIN HNG DN

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
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Qung Ngi, ngy

thng nm 2012

NHN XT CA GIO VIN PHN BIN

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
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Qung Ngi, ngy

thng nm 2012

MC L C

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip

LI M U...............................................................................................................1
CH NG I: C S L LU N V TH THANH TON ............................4
1.1. S hnh thnh v pht trin ca th thanh ton....................................4
1.2. Khi nim th......................................................................................................6
1.3. c im cu to th.........................................................................................6
1.4. Phn loi th........................................................................................................7
1.5. Ch th tham gia pht hnh v thanh ton th....................................11
1.6. Quy trnh pht hnh, s dng v thanh ton th................................12
1.7. Li ch khi s dng th thanh ton.........................................................15
1.8. Nhn t tc ng n hot ng nghip v th....................................16
1.8.1. Nhm nhn t khch quan......................................................................17
1.8.2. Nhm nhn t ch quan...........................................................................18
1.9. Ri ro trong hot ng nghip v th......................................................19
1.9.1. Ri ro trong pht hnh............................................................................19
1.9.2. Ri ro trong thanh ton...........................................................................20
CH NG II: THC TRNG HO T NG NGHIP V TH TI
NGN HNG NNG NGHIP V PHT TRI N NNG THN CHI
NHNH QUNG NGI..........................................................................................22
2.1. Qu trnh hnh thnh v pht trin ca ngn hng nng nghip v
pht trin nng thn chi nhnh Qung Ngi.................................................22
2.1.1. Tn ngn hng............................................................................................22
2.1.2. Quyt nh thnh lp................................................................................25
2.1.3.Qu trnh pht trin ca ngn hng.......................................................25
2.1.4. Ngnh ngh kinh doanh...........................................................................26
2.1.5. C s vt cht k thut kinh doanh.....................................................27
2.2. c cu t chc ca ngn hng nng nghip v pht trin nng thn
chi nhnh Qung Ngi............................................................................................27
2.2.1.T chc b my.........................................................................................27

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
2.2.2. Chc nng v nhim v...........................................................................28
2.2.3. Tnh hnh lao ng....................................................................................34
2.3. Tnh hnh hot ng kinh doanh v nh hng, mc tiu pht
trin nm 2010 ca chi nhnh NHNo&PTNT Qung Ngi........................35
2.3.1. Tnh hnh hot ng kinh doanh trong nhng nm gn y........35
2.3.2. nh hng v mc tiu ca NHNo&PTNT chi nhnh Qung Ngi
trong nm 2010...............................................................................................................37
2.4. Thc trng hot ng nghip v th ti NHNo&PTNT chi nhnh
Qung Ngi.................................................................................................................39
2.4.1.Cc sn phm th ti NHNo&PTNT chi nhnh Qung Ngi.........39
2.4.1.1.Th ni a................................................................................................39
2.4.1.2. Th quc t.............................................................................................40
2.4.2. Quy nh v sn phm th ca NHNo&PTNT..................................41
2.4.2.1. i vi s dng th ghi n ni a................................................41
2.4.2.2. i vi s dng th quc t...............................................................43
2.4.3. Quy trnh pht hnh v thanh ton th ti NHNo&PTNT chi
nhnh Qung Ngi.........................................................................................................46
2.4.3.1. Quy trnh pht hnh th.......................................................................46
2.4.3.2. Quy trnh thanh ton th.....................................................................49
2.4.4. Thc trng pht hnh v thanh ton th ti NHNo&PTNT chi
nhnh Qung Ngi.........................................................................................................51
2.4.4.1. Thc trng pht hnh th...................................................................51
2.4.4.2. Thc trng thanh ton th...................................................................52
2.5. nh gi v hot ng nghip v th ti NHNo&PTNT chi nhnh
Qung Ngi ....................................................................................................................53
2.5.1. Nhng thun li.........................................................................................54
2.5.2. Nhng kh khn.........................................................................................55

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
CHNG III: MT S GII PHP HON THIN V PHT TRIN
HOT NG NGHIP V TH TI NGN HNG NNG NGHIP V
PHT TRIN NNG THN CHI NHNH QUNG NGI......................58
3.1. nh hng pht trin hot ng nghip v th ti NHNo&PTNT
chi nhnh Qung Ngi............................................................................................58
3.1.1. i vi nghip v pht hnh th..........................................................58
3.1.2. i vi nghip v thanh ton th.........................................................59
3.1.3. V t chc, con ngi.............................................................................60
3.1.4. V cng ngh, k thut............................................................................60
3.2. Mt s gii php hon thin v pht trin hot ng nghip v th
ti NHNo&PTNT Qung Ngi trong thi gian ti.......................................60
3.2.1. Gii php v k thut cng ngh..........................................................60
3.2.2. Gii php v con ngi...........................................................................61
3.2.3. Gii php v hot ng Marketing......................................................62
3.2.4. Gii php nhm m rng mng li i l chp nhn th...........66
3.2.5. Gii php hn ch ri ro trong thanh ton th.................................67
KT LUN..................................................................................................................69

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
DANH MC CC BNG, S , HNH
S 1.4. Phn loi th
S 1.6. Pht hnh, s dng v thanh ton th
S 1.2.1. B my t chc ca ngn hng ( Ngun: Phng HC&NS
NHNo&PTNT chi nhnh Qung ngi )
Bng 1.2.3. Tnh hnh lao ng ( Ngun: Phng HC&NS NHNo&PTNT chi
nhnh Qung ngi )
Bng 1.3.1: Kt qu hot ng kinh doanh ca NHNo&PTNT chi
nhnh Qung Ngi trong nm 2008 v 2009. (Ngun: phng tn dng
NHNo&PTNT chi nhnh Qung Ngi)

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
K HIU CC CM T VIT TT
NHNo

: Ngn hng nng nghip

NHNN

: Ngn hng nh nc

NHTM

: Ngn hng thng mi

NHNo&PTNT

: Ngn hng nng nghip v pht trin nng thn

TCTD

: T chc tn dng

CBCNV

: Cn b cng nhn vin

KT - XH

: Kinh t x hi

QLDN

: Qun l doanh nghip

CNH - HH

: Cng nghip ho - hin i ho

CNPH

: Chi nhnh pht hnh

TCTTT

: T chc thanh ton th

TTT

: Trung tm th

VCNT

: n v chp nhn th

TM

: im ng tin mt

CNTT

: Chi nhnh thanh ton

TCPHT

: T chc pht hnh th

VCNTT

: n v chp nhn thanh ton

LCNT

: i l chp nhn th

HC&NS

: Hnh chnh v nhn s

VBSP

: Ngn hng chnh sch x hi Vit Nam

PHT

: Pht hnh th

YCPH

: Yu cu pht hnh

QTCP

: Quy trnh cp php

QTT

: Quy trnh i tin

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi

Chuyn Tt Nghip
TI LIU THAM KHO
Quy trnh hng dn nghip v pht hnh v thanh ton ca ngn hng
nng nghip v pht trin nng thn vit nam (s: 1336,1335/Q-NHNoTTT).
Bo co kt qu hot ng kinh doanh ca ngn hng nng nghip v
pht trin nng thn chi nhnh Qung Ngi 2008 2009.
Bo co kt qu hot ng kinh doanh th ca ngn hng nng nghip
v pht trin nng thn chi nhnh Qung Ngi 2008 2009.
Tin t ngn hng v th trng ti chnh, Minskin, NXB khoa hc k
thut nm 1995.
Th thanh ton quc t v vic ng dng th vo Vit Nam, L Vn T,
NXB tr nm 1999.
Nghip v ngn hng hn i: David Cox, Nh xut bn chnh tr quc
gia, nm 1994.

Phm Ngc Trung (ch bin), Marketing trong ngn hng, NXB
Thng k, nm 1996.
Cc ti liu khc.
Web: Ngn hng nng nghip v pht trin nng thn vit nam.

GVHD: T Ngc Anh

SVTH: Nguyn Hng Khi