1)

nguyn tc thn trng c th hin ntn trong k ton cho vay? 2) k ton d thu li cho vay l s vn dng theo chun mc k ton no? Gii thch ti sao? 3) nu k ton hch ton sai TK nhng ngy hm sau mi pht hin th x l tn?

1/ nguyn tc thn trng c s dng trong trng hp lp cc khon d phng sao cho ph hp vi tnh hnh thc t ca cc khon cn lp, khng nh gi cao hn gi tr ca ti sn v nh gi thp hn gi tr cc khon phi tr. 3/cu ny th bn no lm ngn hng ri th bit r n, cn trong l thuyt ra sao th mnh hok nh ni, ni chung khi hch ton sai tk m qua ngy mi pht hin th lp bt ton hy en, tk sai v lp bt ton iu chnh en tk ng. thng bt hy l bt ngc vi bt htoan sai cho cc tk cn vi nhau trc, ri mi thc hin li bt ng sau. cn cu 2/ th bn hi khng r, bi v chun mc k ton vn vi qte c 1 s im khc nhau, hn na, theo tr nh th d thu li vay l mt bc trong nghip v tn dng ca ngn hng ch khng phi l mt nghip v ln cho nn, n c thc hin da trn nguyn tc c s dn tch v nguyn tc ph hp trong phn nguyn tc v chun mc k ton ngn hng y, tm li th xem nha. chc may mn. 1. Nguyn tc lun chuyn chng t Thu - Chi tin mt: * Thu tin mt: Thu tin trc - Ghi s sau. * Chi tin mt: Ghi s trc - Chi tin sau. Lun chuyn chng t phi m bo nguyn tc Ghi N trc - Ghi C sau hoc ng thi ghi N, ghi C. 2. Ti sao hch ton li phi hch ton theo D thu D chi m khng phi theo Thc thu Thc chi? Theo nguyn tc c s dn tch th ghi s k ton vo thi im pht sinh ch khng cn c vo thi im thc t thu tin, chi tin. V vy khi hch ton li phi theo D thu - D chi m khng phi theo Thc thu - Thc chi. 3. Cc k nng cn cod ca 1 GDV: - Hiu cc sn phm huy ng, thanh ton v giao dch trong Ngn hng. - C k nng giao tip tt v chm sc khch hng. - K nng bn cho cc sn phm. - Bit phn bit tin gi, tin tht v hiu v lut chng ra tin v gian ln. - C thc xy dng hnh nh v tc phong chuyn nghip. 4. Cc loi tin gi phi tnh D tr bt buc l cc lo tin gi khng k hn v c k hn. 5. Mt ngi mun rt tin trc hn nhng Ngn hng khng cho php th ngi rt tin s khng c hng li sut hoc c hng li sut khng k hn. 6. Bo him tin gi p dng cho cc tin gi bng ng Vit Nam gm: - Tin gi tit kim khng k hn, c k hn. - Tin gi khng k hn, c k hn bao gm Tin gi trn ti khon c nhn. - Tin mua cc chng ch tin gi v tri phiu ghi danh. C quan bo him thu bi thng ti a 50 triu ng cho 1 khch hng. Cng ty hp danh v doanh nghip t nhn mi c tham gia bo him tin gi. 7. Khi pht hin tin gi, GDV cn thu gi ngay hin vt, lp bin bn thu gi tin gi v ng du " Tin gi " ln 2 mt ca t tin. 8. Ngn hng c th cho vay ti a 15% vn t c i vi 1 khch hng. 9. Trng hp c th bn USD cho h l p ng nhu cu hp php nh cng tc, cha bnh, hc tp, du lch, i thm thn nhn ca c nhn theo quy nh v c giy t y chng minh mc ch s dng .

10. C 2 loi d phng ri ro l D phng chung v d phng c th. C 5 loi n l: N tiu chun, N cn ch , N di tiu chun, N nghi ng v N c kh nng mt vn. 11. Gi A l s tin KH gi th s li nhn c l: A x (0,6% x 3/12 + 0,3% x 10/360) 12. Tnh cht thanh ton th ghi n l chi tiu v rt trc tip trn ti khon tin gi cn th tn dng l Chi tiu trc tr tin sau. 13. 106 ngy. 14. Cc loi thanh ton khng dng tin mt: - y nhim chi - chuyn tin - Sc - y nhim thu - Nh thu - Th thanh ton. - L/C.